1. What is the procedure of MTPL contract conclusion for several vehicles?

An individual or a legal person owning several vehicles registered or subject to registration in the Republic of Moldova may conclude a single MTPL contract specifying the number of vehicles, their technical characteristics and identification data. The insurer shall issue an insurance policy for each vehicle.

2. What is validity period of MTPL contract?

A foreign MTPL insurance contract may be concluded for an insurance period of 15 days to 12 months.

 3. When does insurer’s liability begin?

The insurer’s liability begins from the moment specified in the insurance policy and ceases at 00:00 of the last day of validity period specified in the policy or before that date upon withdrawal of vehicle from circulation. The insurance policy shall only be issued upon insurance premium payment.

 4. How is MTPL insurance premium determined?

Basic insurance premium referring to home and foreign Mandatory Auto Insurance shall be determined and updated by the Supervising Authority at least once a year according to Government approved methodology.

 5.  Is indemnity paid in case of the insured’s fault?

The insurer provides indemnity in case if damages are caused through the fault of the insured or the vehicle user, as well as in case if on the date of the accident:

a) the user is not included in the insurance contract between the owner and the insurer;

b) the user or the insured does not hold a driving license of the corresponding category;

c) the user or the insured has failed to meet legal technical requirements for vehicle condition and safety.

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