The Financial Supervisory Authority (ASF) notes in relation to the way RCA insurance prices are calculated that “the RCA rate is set by each insurance company according to its own assessment of the risks associated with certain categories of indicators (such as: vehicle power, driver’s age, place of residence and etc.)”.

Logically, one would expect that in the capital, where official figures released last year (the latest statistics available) had 3,097 accidents, most of them between two cars, the RCA price would be significantly higher than in districts such as Satu – Mare – 296 accidents – or Tulcea – 325 accidents.

To see if that’s really the case, we used RCA’s car insurance quote simulator, a simulator that gets quotes from all insurers. I selected Dacia Duster and set the age of the owner to 45 years. The cost of RCA car insurance was calculated for the bonus-malus B0 class and for 12-month insurance (standard, without direct calculation).

The lowest price received by RCA for Bucharest was 1110.1 lei. Somewhat surprisingly, in Satu Mare (I chose the county capital) the lowest price was still 1,110.1 lei, although this county has 10 times fewer accidents than Bucharest. And the same in Tulcea, the same price – 1110.1 lei – and there we are talking about 325 road accidents compared to Bucharest with 3097. In the capitals of other counties – Iasi (1155 road accidents), Gorz (415 road accidents), Teleorman (433 road accidents ). ), Cluj (1069 traffic accidents), etc. – also 1110.1 lei. However, I noticed two or three small differences, among which, for example, Merkurya-Chuk – Kovasna (county with 248 traffic accidents), where 978.49 lei was the lowest price.

One conclusion: insurers almost do not take into account the number of road accidents confirmed by the district – the place of residence. But the situation is completely different if we talk about the power and age of the car.

Replacing a Dacia Duster with a Ferrari 764 HP/4499 CMC, a 45-year-old resident of Bucharest – also with class B0, must pay for 12 months an amount of 3079.78 lei for RCA insurance compared to 1110.1 lei for a Dacia Duster ( 114 HP / 1461 CMC). That is, almost three times more.

And if the resident of Bucharest was not 45 years old, but 20, then for the same Dacia Duster, under the same conditions, he would pay 2331.77 lei, that is, twice as much, because he is 20 years old, not 45. It is the same , if we replaced a resident of Bucharest with a resident of Satmara – or with an owner from other counties.

Yes, unfortunately, we occupy a very high position in the rating of road accidents in Europe – which, among other things, can be a justification for the increased indicators of RCA. However, not everywhere in the country happens the same number of road accidents, which should probably be reflected in the cost of mandatory car insurance.