How to Buy MTPL, Green Card and Travel Insurance Online

Three General Asigurări policies can be bought fully online in 5–10 minutes, from your phone or laptop: MTPL, the Green Card and travel medical insurance. The policy arrives by email right after payment and is valid from the date you choose. Below: what each product covers, the step-by-step process and the mistakes to avoid — all available on the buy online page.

What you can buy online

• MTPL — compulsory motor third-party liability insurance for driving in Moldova.
• Green Card — the international counterpart of MTPL for trips abroad with your own vehicle.
• Travel medical insurance — cover for unexpected medical costs abroad; required for several visa types.

For CASCO, health, home and business products you submit an online request and General Asigurări specialists reply with a personalised quote.

MTPL: what to know before buying

MTPL in Moldova is governed by Law no. 106/2022 on compulsory motor third-party liability insurance. Every vehicle used on Moldovan roads must have a valid policy — driving without one is prohibited.
The policy covers damage caused to third parties: property damage, bodily injury and, in the cases set by law, moral damages.

Note that MTPL does not compensate damage to your own car — that is what the voluntary CASCO product is for.

The standard MTPL term is 12 months. Vehicles with provisional ("trial") registration are the exception — the law allows a shorter term, but no less than 30 days.

If you are stopped without a valid policy, you risk an administrative fine and the vehicle may be barred from the road until the violation is remedied.

Green Card: when you need it

MTPL is valid only in the Republic of Moldova. If you drive abroad with your own vehicle, you need the Green Card — the international insurance certificate recognised by the member states of the Green Card system (Council of Bureaux).

In Moldova the system is coordinated by the National Bureau of Motor Insurers (BNAA), a member of the international council — which is why a certificate issued in Moldova is accepted by border and insurance authorities abroad without extra checks. The policy is valid only in countries whose codes are not crossed out on the certificate, so check them before departure.

Without a valid Green Card you may be refused entry with the vehicle or forced to buy insurance at the border, usually at a higher price. When buying online, you choose the coverage zone available in the offer — Europe (all countries) or Ukraine — and the period, from 15 days to 12 months. Enter the vehicle details and receive the certificate by email, ready to print.

Travel insurance: when it is mandatory

For a Schengen visa, medical insurance is a requirement, not a recommendation: consulates usually require cover of at least EUR 30,000, valid across all Schengen states for the entire trip. The exact requirements are set by the consulate processing your application.

A standard policy covers emergency medical care, hospitalisation, prescribed medication and, in critical cases, medical evacuation or repatriation.

Note that flare-ups of pre-existing chronic conditions are covered only within the policy's specific limit, for life-saving treatment.

Even where no visa is needed, the policy remains a practical choice: without it, treatment abroad is paid entirely out of pocket, and emergency care in Europe can cost thousands of euros.

How to buy a policy online: 5 steps

1. Choose the product — MTPL, Green Card or travel insurance, depending on your trip.
2. Fill in the details. For MTPL: registration number and period; for the Green Card: direction, period and vehicle details; for travel insurance: travellers' names, dates of birth and route.
3. Review the offer — the final price, coverage limits and exclusions. Make sure the dates and details are correct: fixing them before payment is easier than after.
4. Pay by card — the payment is secure and confirmation arrives instantly.
5. Receive the policy — the document is emailed automatically and saved in your personal account, where you can see your policy history and manage renewals without missing expiry dates.

Frequently asked questions

• Can I buy MTPL on the day of departure?

Yes. The policy is issued right after payment and takes effect from the date you choose.

• Do I have to buy CASCO together with MTPL?

No — they are different products: MTPL is compulsory and covers damage to others, CASCO is voluntary and protects your own vehicle. They can be bought separately or together.

• Is the Green Card valid in every country?

No — only in Green Card system member states whose codes are not crossed out on your certificate. Check the list on the form before every trip.

• What minimum cover does a Schengen visa require?

Usually at least EUR 30,000 for the entire stay, across all Schengen states. Confirm the exact requirements with the consulate.

Why General Asigurări

General Asigurări operates under insurance licence CNPF no. 000887, supervised by the National Bank of Moldova, and serves clients through 39 territorial offices and over 110 points of sale nationwide, including Chișinău. Buying online removes queues and office visits: the whole process takes minutes, and the personal account reminds you about renewals.

Buy your policy online or request a consultation — the General Asigurări team will help you choose.