What you’re covered for.

No insurance dictionary required.

MTPL

Your cover in plain words.

Your policy covers damage caused to other people in an accident involving the insured vehicle, including property damage, injury or death, moral damages and loss of use.

  • Bodily injury or death

    Covers compensation for physical harm, disability, or fatalities caused to third parties in a vehicle accident, including related moral damages.

  • Material damage

    Provides coverage for property damage caused to third parties, including repair costs, total loss, unregistration, and emergency expenses.

  • Direct Settlement

    Offers the insured the option to be compensated by their own insurer for certain accidents, provided specific conditions are met (e.g., both vehicles registered in Romania, no bodily injuries).

  • Roadside assistance

    From a flat tyre to a breakdown, we've got you covered. Get help when you need it, without paying extra.

Choose cover

MTPL insurance

MTPL is mandatory for every vehicle registered in Romania, whether you drive it every day or it stays parked. You can buy it for 1 to 12 months, as an individual or a company. And with Hellas Direct, you can get your MTPL directly online through our website, in just a few minutes.

Learn more from our guide (PDF)
  • MTPL Insurance Policy information

    MTPL is a mandatory insurance for all vehicles registered in Romania, whether in use or not. Available for terms from 1 to 12 months, it offers financial protection to the driver and compensation to third parties for injuries, damages, or losses caused by the insured vehicle. Without MTPL, an at-fault driver is liable to cover all damages out-of-pocket, which can be costly.

  • MTPL calculator

    HD Insurance offers MTPL insurance through brokers and online platforms in Romania. For quotes, contact their partners. Prices are based on ASF guidelines, factoring in vehicle age, specifications, contract terms, and bonus-malus ratings for individuals and businesses.

  • MTPL cancellation

    Need to cancel your MTPL policy? Notify HD Insurance as per Law 132/2017. You will need to download this form and send it to us.
    For cancellations due to vehicle sale, export, or theft, provide proof (e.g., sales document, certificate of theft), policy details, and bank info. Email documents to support@hellasdirect.ro. Refunds go directly to the policyholder’s bank account.

  • High risk insurance policies

    For high-risk drivers, BAAR policies (effective 10.02.2023) follow ASF guidelines. Submit your BAAR allocation data to riscridicat@hellasdirect.gr within 10 days. Policies last 12 months with full premium payment. Compensation limits: €1,220,000 (property damage) and €6,070,000 (injuries/death).

  • MTPL Damages

    MTPL (Green Card) insurance covers third-party injuries and damages in accidents. To file a claim, report immediately with all relevant documents. In Romania, call 0219705 (Mon-Fri, 9 AM–5 PM). For fatalities, email vatamari@hellasdirect.ro. For incidents abroad, email greencard@hellasdirect.ro.