UniCredit Insurance Broker

As of. art.1 alin.(2) of Norm 23/2014 published in the Monitorul Oficial, Partea I, nr. 826/12.11.2014:

"The contract for the binding insurance for civil responsibilities for prejudices produced through car accidents cover the civil responsibilities tort of the owner or user of vehicle for the prejudice made to a third party through the vehicle."

Art. 16.

(1) At the closing of the binding insurance for the vehicle in the evidence of the registrating authority or registration in Romania, the insurer is binded to issue to the insured the binding policy of insurance of civil responsibility for vehicles, named the insurance policy, together with the road ticket and international document for insurance.

(2) At the base of a additional paper, the insurance contract can contain additional clauses, in the conditions that these do not reduce or restrict the rights of an prejudiced party, that come from a binding insurance or don't come after the law.

As of Norm 23/2014

Art. 30. – The liability of the RCA insurer ceases at 24.00 on the last day of validity included in the RCA insurance policy or prior to that date at the time of removal from the movement records or at the date when the insured lodges with the insurer evidence of the transfer of the ownership right for the insured vehicle.

Art. 31. – (1) For vehicles that are radiated out of circulation or for which the policy holder transmits ownership during the insurance period, the insurance premium for the period between the start date and the termination date of the MTPL insurer is calculated by adding the monthly premiums set in the premium rate of the RCA insurer, corresponding to the number of full insurance months covered by the insurance period. Any fraction of the moon is considered the entire month.

Thus, if there is a valid RCA policy at the time of ownership transfer, you can no longer benefit from it, and it is necessary to prepare another insurance policy on behalf of the new owner. Part of the RCA policy-relevant insurance premium valid at the time of the transfer of ownership may be recovered from the issuing insurer on the basis of a power of attorney that you will receive together with the transfer documents only if the RCA policy in question does not have there were recorded damages.

As of Norm 23/2014:

Art. 21. –

(1) Insurers are required to set premium rates for each vehicle category, for one-year periods, calculated on actuarial bases for the limits of compensation established on the basis of the provisions of Art. 24.

(3) The compensation limits established by each RCA insurer as well as the premium rates established under these rules shall be notified to the Financial Supervisory Authority no later than 30 days before the beginning of the period in which they may be practiced together with a statement by the actuary responsible for the calculation of the insurance premium for its fairness, certified and signed by the executive director of the company. The actuarial calculation shall include the risk premium, including the estimation of the frequency of the damage and the average damage, for each risk category for which the premium rate is calculated.

(6) The Insurers are obliged to submit in electronic format to the Financial Supervisory Authority the assumptions used, the actuarial methods and the justification for their application for the calculation mentioned in paragraph (1) together with the database used for these calculations.

Art. 22. –

(1)RCA insurers have the obligation to ensure potential customers access to the premium rates applied on each RCA insurer's site, its headquarters and territorial units, as well as to provide all the information regarding the criteria taken into account when determining the premium insurance.

As of Norm 23/2014:

Art. 19. – Mandatory RCA insurance is completed for the specified period:

- annually or semi-annually, for registered or registered vehicles, as appropriate

- during the period of registration / temporary registration, but not more than 12 months.

- for vehicles for which insurance is required for permanent registration / registration in Romania, annually or on a half-yearly basis, as the case may be, if the owner provides proof of tax registration of the respective vehicle in his name;

- for vehicles registered / registered in other Member States for which insurance is requested for the purpose of importation in Romania, for a maximum period of 30 days from the date of acquisition of the property, evidenced by supporting documents;

- for vehicles temporarily registered as follows:

(i) for foreign-arriving vehicles benefiting from the temporary admission regime, annually or semi-annually, during the temporary registration period, if the owner provides proof of tax registration of that vehicle in his name, except in cases where the vehicle is exempt from payment of these taxes ;

(ii) for vehicles intended for export, for a maximum period of 30 days;

for vehicles that are provisionally authorized for movement for periods of 30 days but cumulated

As of Norm 23/2014:

Art. 19. – Mandatory RCA insurance is completed for the specified period:

• annually or semi-annually, for registered or registered vehicles, as appropriate

• during the period of registration / temporary registration, but not more than 12 months.

• for vehicles for which insurance is required for permanent registration / registration in Romania, annually or on a half-yearly basis, as the case may be, if the owner provides proof of tax registration of the respective vehicle in his name;

• for vehicles registered / registered in other Member States for which insurance is requested for the purpose of importation in Romania, for a maximum period of 30 days from the date of acquisition of the property, evidenced by supporting documents;

• for vehicles temporarily registered as follows:

(i) for foreign-arriving vehicles benefiting from the temporary admission regime, annually or semi-annually, during the temporary registration period, if the owner provides proof of tax registration of that vehicle in his name, except in cases where the vehicle is exempt from payment of these taxes ;

(ii) for vehicles intended for export, for a maximum period of 30 days;

for vehicles that are provisionally authorized for movement for periods of 30 days but cumulated for not more than 90 days;

f)during the period of circulation of the evidence, annually.

for not more than 90 days;

f)during the period of circulation of the evidence, annually.

• from the day following that in which the validity of the previous insurance policy expires, for the insured who fulfills the obligation to conclude the insurance at the latest on the last day of its validity (renewal, whether at the same insurer or not)

• from the day following that in which the insurance document was concluded, for persons who did not have a compulsory MTPL insurance valid at the time of the insurance conclusion (the time when the old one expired or the person had not concluded such insurance at all)

• from the moment of the issue of the insurance document, but not earlier than the date of entry into force of the provisional movement authorization or registration / registration of the vehicle, for the marketed vehicles to be registered / registered.

If the guilty party does not have a mandatory MTPL insurance at the time of the accident, we recommend that you contact the Road Victims Protection Fund, which is managed by the Motor Insurers' Bureau in Romania. From this fund compensation is paid to the third party injured by a car accident in which the vehicle or the tram is not insured by the RCA (in which case both the material damages and the body damages are covered, and the Fund will recover the money from the guilty person) or if the author has remained unidentified (in which case the fund only covers body injuries).

It can be verified on the basis of CEDAM, the common basis of the Insurers and the Romanian Police, depending on the registration number or the chassis series, if the vehicle has or has not completed the RCA at a certain date.

Information can be accessed on the CEDAM website.

If you are the owner of the motor vehicle and do not endorse the MTPL insurance or do not keep it permanently, by paying insurance premiums, you commit a contravention and therefore you are liable to a fine of 1000 RON to 2000 RON and retaining the registration, until the presentation of the document on the conclusion of the insurance - contravention that is found by the Police personnel.

If the guilty party does not have a mandatory MTPL insurance at the time of the accident, we recommend that you contact the Road Victims Protection Fund, which is managed by the Motor Insurers' Bureau in Romania. From this fund compensation is paid to the third party injured by a car accident in which the vehicle or the tram is not insured by the RCA (in which case both the material damages and the body damages are covered, and the Fund will recover the money from the guilty person ) or if the author has remained unidentified (in which case the fund only covers body injuries). It can be verified on the basis of CEDAM, the common basis of the Insurers and the Romanian Police, depending on the registration number or the chassis series, if the vehicle has or has not completed the RCA at a certain date. Information can be accessed on the CEDAM website.

• bonus-malus is a system whereby the insured / the individual user falls into one of the bonus classes (which leads to the erection of the insurance premium) or in one of the malus classes (which leads to the increase of the insurance premium), in depending on the damage history made by the insured / user the physical perosna during the reference period

• in order to benefit from the bonus / malus the user must complete a statement on his / her own responsibility (according to the attachment) stating the number of damages in the last years of insurance. The original must reach the Insurer.

RCA policy subscription simultaneously with the recording and instantaneous storage of the data contained in the policy in the insurer's computer system; RCAs are emitted directly from the insurers' portal starting with 01.01.2010 at the date of issue of the MTPL insurance, the CEDAM base will be interrogated, where the data on damages on each insured asset are stored. These data are based on the information provided by Insurers to CEDAM, as there are situations where the CEDAM query does not work the policy becomes effective on the day following the day of issue, except for new deliveries, when the date of entry into force of the liability may be the same as the date of issue if the policy is issued, it can no longer be canceled, as the liability of the Insurer begins with its issuance and the payment of the insurance premium (according to the legal provisions, the RCA policy can be issued only after the insurer receives the insurance premium) .

The RCA offer request must reach Unicredit Insurance Broker at least 10 days before the expiry of the previous policy at the email addresses specified in the contact details of this

any RCA offer is valid for a limited period of days from the date of its submission and therefore no insurance offers can be submitted 30 days before the expiration of the RCA policy.

The CEDAM database is being interrogated.

In the case of an accident (no bodily injury) involving two vehicles, if only material damage has occurred and the guilt can be established, the form of amiable finding by both parties involved in the accident shall be completed, in full respect of the instructions mentioned on the back of the form.

The injured person shall submit the form to the issuer of the RCA of the driver responsible for the accident together with the following documents:

• copy of the guilty RCA policy;

• the amiable finding form filled in all the headings of both drivers involved in the accident or the police report issued by the Police;

• driving license of the injured person;

• identity act of the injured; the registration certificate and the identity card of the damaged vehicle;

• if the vehicle does not belong to you, empowerment from the vehicle owner (notarized power of attorney if the owner is a natural person).

If you can not agree who is responsible for the accident, go immediately to the Road Police section where the accident occurred.

In case of an accident involving victims or injuries, call Salvation immediately and notify the Police - unique number 112.

Do not leave the scene until the arrival of a Road Police crew. Also, the persons involved in such an accident have the legal obligation not to modify or delete the traces of the accident.

If the fault can not be established with certainty, or if more than two vehicles or other injured parties were involved in the event, the police station will immediately be notified of the incident.

The theft is immediately announced to the police station in which it occurred and within 24 hours to the Insurer. In the case of theft, the competent bodies will conduct research for 30 days, in the case of partial theft and 60 days in the case of total theft, in order to identify the authors and to determine the causes and circumstances of the event.

After the 30 days and 60 days respectively, the Insurer requests and receives a document from the Police, which includes the stage of the investigation, if the guilty person has been identified or the case is declared as Unknown Author. After the receipt of the document, the Insurer will file the theft file.

If, in the 60 days of the total theft investigation, the good is identified, the Insurer will compensate for the damages of the good.

Notice of damage is done immediately after the damage has occurred or as soon as you have come to know of its occurrence. Notification of damage must be made immediately, even if the damages you want to do on another day.

Reporting damage involves providing information about the event:

• the identification and contact details of the persons involved in the event, especially the person making the endorsement, of the person who was driving the vehicle, both the insured and the person who was damaged, if any;

• the causes and circumstances in which the event occurred, including details of the event location and timing of the event - date, time;

• identification data of the vehicles involved in the event;

• details of the location and condition of the damaged vehicle (if it is movable or not);

After the damage notification, you will be able to file a claim file and you will be contacted within 24 hours of the notice by an Insurer's representative in order to determine how the case is handled.

Repairs outside the country are subject to the Insurer's approval.

If the asset is declared as total damage, please contact the Unicredit Leasing Corporation Owner or the Broker, Unicredit Insurance Broker.

Notice of damage to the insurer is made immediately after it has been made or as soon as you have come to know it to be produced by telephone to the Call Center by accessing the WEB address or its damages center. You can find here the contact details of the insurers.

Reporting damage involves providing information about the event:

• the identification and contact details of the persons involved in the event, particularly the person making the endorsement, of the person who was driving the vehicle, the insured person and the person who was the victim, if any;

• The causes and circumstances in which the event occurred, including details of the event location and timing of the event - date, time;

• the identification data of the vehicles involved in the event or the damaged / stolen equipment;

• details of the location and condition of the damaged property (if it is movable or not) in order to determine the place where the damage will be made by a representative of the insurer.

After providing this data you will receive the file number to be retained and must be submitted at the point of finding, and you will receive all the information necessary to make the damages.

In order to start the repair of the vehicle, it is necessary to notify the insurance company as soon as possible. (Caution!) The insurance policy conditions impose a maximum term for damage approval - please check the General Insurance Policy for the casco policy or check this information with the representatives of Unicredit Insurance Broker).

• Identity card / identity card of the insured or the driver of the vehicle for which the damage file is opened, in original and in copy;

• The registration certificate of the vehicle for which the damage file is opened, in original and in copy;

• The identity card of the vehicle for which the damage file is opened, in original and in copy;

• Driving license of the driver of the vehicle for which the damage file is opened, in original and in copy;

• Copy of the CASCO policy and its Annexes and Specifications;

• The amicable form (In the case of road accidents involving two vehicles and resulting only in material damage) or the minutes issued by the Police or the repair authorization and the copy after the statement to the Police (as the case may be);

• Empowerment issued by Unicredit Leasing Corporation;

• Copy of the RCA policy culpable for producing the event, if applicable;

• In the case of total theft, it is necessary to hand over all the car keys, the Registration Certificate and the original identity card of the original car;

• The police certificate certifying the theft, partial or total.

To complete the auto damage file, you must also present the following:

• All original tax documents proving the repair of the vehicle (invoices, receipts, service orders, etc.);

• Complaint claim completed, signed and stamped by the owner of the vehicle for which the damage file was filed or by its legal representative.

* On a case-by-case basis, the insurer may also request other documents expressly mentioned on the notice (document to be filled in by the injured / insured / their representatives at the time of the notice of the damage).

Finding damages is done at your Insurer's Finding Centers. Scheduling to make the finding is done when the event is approved.

Unicredit Leasing Corporation recommends that it can be repaired in one of the affiliate services of the insurer with whom it has direct settlement.

Advantages of partner repairs:

• Quality repairs;

• Without financial implications for you - direct settlement between the Insurer and the service;

• No post-repair inspection - automatic processing by the service;

• Easy reconsideration - it is not necessary to have your presence in service;

• If you want the repair to be carried out in your preferred service, without direct settlement with the Insurer, the value of the repairs will be paid by you, and you will subsequently recover the costs from the insurer.

If the repair was done in a partner's Repairing Unit of your Insurer, the payment of the indemnity will be made directly to the insurer, from which will be deferred for the policy, if any;

If the repair was done in a non-Partner repair unit with your Insurer and the payment was made by you, the Insurer will pay the indemnity to the User's account with the prior consent of the Owner.

The good may be removed from service after completing the repairs as follows:

• If the repair was done in a partner's repair unit of your Insurer, the good may be released on the basis of the payment agreement issued by the Insurer;

• If the repair was carried out in a non-part repairing unit with your Insurer, the asset may be released after repayment costs have been paid.

• Assistance (repairing) on the site of occurrence of the event: flat tire, discharged battery, lack of fuel, lost keys or keys locked inside the vehicle, electrical or mechanical failure;

• Towing the vehicle up to the nearest car service specific to the brand;

• Continuation of the trip, respectively transporting the driver, passengers and luggage to the country of origin or to the initial destination of the trip;

• Hotel accommodation; upon the beneficiary’s request, it is provided from the first day of the vehicle failure for a maximal 3 night-stay;

• Replacement vehicle; upon the beneficiary’s request, a vehicle is provided for a maximal three day-period;

• Taxi driving service; in the event of failure, accident or collision that took place at a more than 50 km distance from the beneficiary’s permanent domicile, the taxi driving service is provided for assuring transportation.