External RCA insurance, also known as the Green Card, is an essential policy for any driver who intends to drive a vehicle outside the country. For drivers from the Republic of Moldova, external RCA is mandatory when leaving the national territory and entering the member states of the Green Card system.
This insurance ensures compliance with international legislation and provides financial protection in the event of a road accident abroad.
What is external RCA (Green Card)?
External RCA is the international equivalent of domestic RCA insurance. It confirms that the vehicle is insured for third-party civil liability in other countries, in accordance with the rules and limits established by the Green Card system.
The name “Green Card” comes from the international motor insurance certificate recognized by road authorities in many countries.
When do you need external RCA?
You need external RCA in the following situations:
- when traveling with your personal car outside the Republic of Moldova;
- when transiting through other countries, even if the final destination is elsewhere;
- when traveling for business purposes with a vehicle registered in Moldova;
- when going on vacation or visiting relatives abroad.
Even a short trip abroad requires a valid external RCA policy for the entire duration of the journey.
In which countries is the Green Card valid?
External RCA is valid in the countries that are part of the Green Card system. These include most European countries and several states outside Europe.
Before departure, it is very important to check:
- the list of covered countries;
- the validity period of the policy;
- whether the destination country is listed on the Green Card certificate.
Lack of validity for a specific country may lead to refusal of entry or severe penalties.
What risks does external RCA cover?
External RCA covers damage caused to third parties as a result of a road accident caused by the insured driver abroad. This includes:
- material damage to other vehicles;
- damage to public or private property;
- bodily injury to the persons involved;
- medical expenses and compensation in case of death, according to local legislation.
Compensation is granted within the limits and conditions provided by the legislation of the country where the accident occurred, which may differ from those in the Republic of Moldova.
What does external RCA NOT cover?
It is important to know that external RCA does not cover:
- damage to your own vehicle;
- theft of the vehicle;
- damage caused without the involvement of a third party;
- the driver’s personal expenses.
For full protection, it is recommended to take out CASCO insurance and travel insurance, especially for longer trips.
What happens if you drive without external RCA?
Driving abroad without valid external RCA can have serious consequences:
- very high fines;
- detention or confiscation of the vehicle;
- obligation to purchase local insurance on the spot, which is much more expensive;
- full financial responsibility for damages in case of an accident.
In some countries, the lack of insurance may even lead to a ban on continuing the journey.
How do you choose the right external RCA policy?
To avoid problems, it is recommended to:
- purchase the policy before departure;
- carefully check the validity period;
- make sure all details are correct;
- keep the policy easily accessible, in physical or digital format.
Proper planning can save you time, money, and stress during your trip.
Conclusion
External RCA (Green Card) is an indispensable insurance for any driver traveling abroad. It provides legal and financial protection, ensuring compensation to third parties in the event of an accident and compliance with international legal requirements.
For a worry-free journey, external RCA should be just as important as your passport or driver’s license.
