Identify the product being compared
Romanian RCA concerns liability for harm to third parties, subject to the law and the contract. CASCO is optional vehicle insurance with contractually defined cover; the name does not mean every loss will be paid. Request quotations using the same information and intended use. Check the provider and any intermediary against the relevant registers maintained by Romania’s Financial Supervisory Authority.
Ask about real situations
Explain where you drive, who will drive and whether the vehicle is used for work. Ask what happens following theft, parking damage or a trip abroad without assuming those situations are included. Request the applicable clause. Record any excesses, limits and repair conditions, then compare written answers. A broad verbal assurance does not explain how an individual contract will respond.
Read what happens after an incident
The insurance product information document summarises important features but does not replace the contractual documentation. Obtain all terms before accepting and retain the version provided. Check the start of cover, instalments, notification of changes and claims procedure. If wording is unclear, ask the authorised distributor for an explanation and an example relevant to your circumstances before paying.
Where Carletta stands today
Carletta’s insurance page is being prepared. It currently provides no live quotations, policy issuance or promise of a personalised rate. Editorial information helps you prepare questions; selecting insurance requires an actual offer from an authorised provider. Keep that offer, the policy documents and confirmation of issue, and check the vehicle and policyholder details separately. Revisit the comparison if the way you use the vehicle changes, rather than assuming last year’s choice still fits.
