General Asigurări symbol

Terms and Conditions

1. About Us

The website general.md (the “Website”) is operated by “GENERAL ASIGURĂRI” S.A. (the “Company”, “we”):

  • Registered office: Republic of Moldova, mun. Chișinău, str. Pușkin, no. 47/5
  • IDNO / Tax code: 1016600035165
  • License: CNPF series no. 000887, issued by the National Commission for Financial Markets on 16.12.2016, for insurance activity
  • Phone: +373 22 783 800
  • E-mail: office@general.md

The Company’s insurance activity is supervised by the National Bank of Moldova (NBM) — www.bnm.md.

Protection of consumers of financial services, including in relation to the conclusion and performance of distance contracts, falls within the competence of the National Commission for Financial Markets (NCFM) — www.cnpf.md.

The competent authority for consumer protection is the State Inspectorate for the Supervision of Non-Food Products and Consumer Protection — consumer helpline 022 51 51 51, website www.consumator.gov.md.

Insurance operations are exempt from VAT in accordance with the Tax Code of the Republic of Moldova.

The prices (insurance premiums) displayed on the Website are final and are not increased by additional charges.

2. Definitions

  • Website — the webpage general.md, including the personal account;
  • User — the person who accesses the Website, requests quotes, concludes insurance contracts, or uses the personal account;
  • Account (personal account) — the section of the Website accessible after login, in which the User manages their data, policies, and transactions;
  • Policyholder — the person who concludes the insurance contract and pays the insurance premium (referred to as “Payer” in the Website’s interface);
  • Insured Person — the person whose risks are covered by the insurance contract; may be the Policyholder or another person;
  • Policy — the document confirming the conclusion of the insurance contract;
  • Quote (offer) — the calculation of the insurance premium performed on the basis of the data entered by the User;
  • Insurance Terms — the contractual terms of the insurance product, provided together with the policy;
  • RCA Data System — the automated state information system in the field of compulsory motor third-party liability insurance, administered by the National Bank of Moldova (NBM);
  • Durable medium — any instrument (including e-mail) that allows information to be stored and reproduced unchanged.

3. Acceptance and Amendment of the Terms

3.1. These Terms and Conditions (the “Terms”) govern the use of the Website and the online purchase of insurance products. The Terms are accepted by ticking the relevant checkbox when creating an account or completing an order. Simply browsing the Website does not imply acceptance of the Terms; however, use of the services described below is conditional upon their acceptance.

3.2. We may amend the Terms. The new version is published on the Website at least 30 days before it takes effect, and Users with an active account are notified by e-mail. Insurance contracts already concluded remain governed by the version of the Terms in force on the date of their conclusion.

4. Use of the Website

4.1. Insurance products may be purchased through the Website by persons who have reached the age of 18 and have full legal capacity, as well as by legal entities through their representatives.

4.2. The User undertakes to:

  • provide complete, accurate, and up-to-date data;
  • not use the Website for unlawful purposes;
  • not undertake actions capable of affecting the operation of the Website (unauthorized access, automated data extraction, introduction of malicious code, vulnerability testing without written consent).

4.3. The User may request quotes, conclude insurance contracts, and save the data of other persons in their account. The User warrants that they hold the right to provide and store such data, including in the capacity of legal representative where applicable, and that they have informed the data subjects concerned about the processing of their data by “GENERAL ASIGURĂRI” S.A. The User bears sole responsibility for the accuracy and lawfulness of the data provided and shall indemnify the Company for any damage resulting from a breach of this warranty.

4.4. In the event of a breach of the Terms, the Company may restrict or suspend the User’s access to the Website or account, with notice to the User, or, in serious cases, without prior notice where necessary for the security of the Website or of other users.

5. Personal Account

5.1. Optional nature. Creating an account is not mandatory for an online purchase: products may also be purchased without an account. The account provides additional features: saving the data of persons, vehicles, and companies for faster form completion, a history of policies and transactions, and notification management.

5.2. Registration. An account is created by completing the registration form (first and last name, phone number, e-mail, password) or by logging in with a Google account. When external login is used, we receive the name and e-mail address from the relevant provider. By creating an account, the User accepts the Terms and confirms that they have read the Privacy Policy.

5.3. User obligations. The User must keep their password confidential and must not allow third parties to access their account. All actions carried out from the account are deemed to have been carried out by the User, unless the User has notified the Company that the account has been compromised. The User must keep the account data accurate and up to date.

5.4. Data saved in the account (persons, vehicles, companies, and, in the future, real estate) is retained for the duration of the account’s existence and is managed exclusively by the User. Deleting a record from the account does not affect the data of policies already issued, which is retained under the conditions provided by law and described in the Privacy Policy.

5.5. Account deletion. The User may delete their account at any time from the Settings section. Account deletion is irreversible and results in the deletion of the data saved in the account. Data relating to issued policies and completed transactions continues to be retained to the extent and for the period required by law.

5.6. Inactive accounts. The Company reserves the right to delete accounts that have not been used for an extended period, with prior notice to the User by e-mail, at least 30 days in advance, sent to the contact details indicated in the account.

6. Online Purchase Process

6.1. Products available online: compulsory domestic motor third-party liability insurance (RCA), compulsory international motor third-party liability insurance (Green Card), and travel medical insurance for trips abroad. All other products presented on the Website are concluded at the Company’s offices.

6.2. Quote. For RCA and Green Card, on the basis of the data entered (the vehicle’s registration certificate number, IDNP/IDNO, and, for Green Card, also the zone and duration), the insurance premium is calculated by querying the RCA Data System. For travel insurance, the premium is calculated on the basis of the trip parameters and the insured persons. The offer is valid for 30 minutes from the time it is generated; after expiry, the data of unfinalized quotes of unauthenticated users is anonymized.

6.3. Conclusion of the contract. In accordance with Article 8(1) of Law No. 106/2022, where the contract is concluded by electronic means without a qualified electronic signature, payment of the insurance premium by the policyholder is deemed equivalent to acceptance of the terms of the contract (the offer). The contract is deemed concluded at the moment payment is confirmed. The Company confirms receipt of the order and of the payment electronically, without undue delay.

6.4. Issuance and delivery of documents. After payment is confirmed, the RCA/Green Card policy is registered in the RCA Data System, and the policy, the Insurance Terms (including the Data Processing Notice), and the payment confirmation are sent to the Policyholder immediately, on a durable medium, to the e-mail address provided. The policy’s period of validity is the one indicated on the policy.

6.5. Vehicles registered in other states. For vehicles registered outside the Republic of Moldova, the RCA policy is issued at the Company’s offices, following verification of the vehicle’s documents. Only a contact request is submitted through the online form; a personal account is created automatically, with consent given by ticking the relevant checkbox.

6.6. Verifying data before payment. Before making payment, the User may review and correct the data entered, including the e-mail address to which the documents will be delivered.

7. Prices and Payment

7.1. Insurance premiums are displayed in Moldovan lei (MDL) and represent final amounts. For RCA and Green Card, the premium is calculated on the basis of the reference premium and the applicable coefficients, through the RCA Data System.

7.2. Payment methods: MIA Instant Payments, bank card (Visa, Mastercard), Apple Pay, Google Pay. Payments are processed by the payment service provider — BC “MAIB” S.A. The Company does not collect or store full bank card details; these are entered exclusively in the payment service provider’s secure interface.

7.3. After the payment is processed, the Company receives and retains confirmation of the transaction (including the payer’s name, the masked card number or IBAN, the amount, the status, and the transaction identifiers) — details are provided in the Privacy Policy.

7.4. Premium refunds (following withdrawal or termination) are made in the manner set out in Sections 8 and 9.

8. Right of Withdrawal from Contracts Concluded at a Distance

8.1. In accordance with Law No. 157/2014 on the conclusion and performance of distance contracts for consumer financial services, the consumer has the right to withdraw from an insurance contract concluded through the Website within 14 calendar days, without penalty and without giving reasons.

8.2. Exception: the right of withdrawal does not apply to travel and baggage insurance policies, nor to any insurance policy with a term of no more than 30 calendar days (Article 7(3)(b) of Law No. 157/2014) — for example, Green Card policies with a 15-day term or short-term travel insurance policies.

8.3. The withdrawal period runs from the date the contract is concluded or, if later, from the date on which the consumer received the contractual terms and conditions on a durable medium.

8.4. Exercising the right. The withdrawal notice must be sent in written form, on a durable medium: by e-mail to office@general.md, or by post to the Company’s registered office. Further information can be obtained by phone at +373 22 783 800; a simple phone call does not constitute a withdrawal notice.

8.5. Effects of withdrawal. The Company will refund the amounts received by the consumer within no more than 30 calendar days of receiving the notice. For the period during which the Company actually provided insurance cover up to the withdrawal, the corresponding portion of the premium is retained, calculated in accordance with insurance legislation (Article 8(2) of Law No. 157/2014). Performance of the contract before the expiry of the withdrawal period begins at the consumer’s request, expressed by selecting the start date of the policy’s validity.

8.6. The right of withdrawal does not affect and does not limit the right of termination provided for by insurance legislation (Section 9).

9. Termination of the RCA / Green Card Insurance Contract

9.1. Termination of the RCA/Green Card contract takes place in the cases and under the conditions set out in Article 10 of Law No. 106/2022 (for example, transfer of ownership or deregistration of the vehicle).

9.2. Upon termination, the Company refunds the policyholder the portion of the insurance premium corresponding to the remaining period, subject to the right to retain the actual administrative costs, which may not exceed 25% of the amount to be refunded (Article 10(7) of Law No. 106/2022).

9.3. A termination request must be submitted in writing, together with supporting documents, to office@general.md or at the Company’s offices.

9.4. The conditions for withdrawing from a travel medical insurance contract are set out in the Insurance Terms of the relevant product.

10. User’s Obligations Regarding Data Accuracy

10.1. The calculation of the premium and the issuance of the policy are based on the data provided by the User and on data from state registers. The User is responsible for the accuracy of the data provided.

10.2. Where inaccurate data is provided that results in a reduced insurance premium, the provisions of Article 12(6) of Law No. 106/2022 apply, including recalculation of the premium; the insurer retains its statutory rights against the persons at fault.

11. Limitation of Liability

11.1. The Company makes reasonable efforts to ensure the continuous operation of the Website but does not guarantee uninterrupted, error-free access. The Company may temporarily suspend access for maintenance, informing users where possible.

11.2. The Company is not liable for any temporary inability to issue policies caused by the unavailability of third-party systems (the RCA Data System / NBM, the MConnect interoperability platform, the payment service provider) or by events of force majeure. In such cases, the obligations are performed as soon as the relevant cause has ceased.

11.3. Nothing in these Terms limits the rights granted to consumers under the mandatory provisions of the legislation of the Republic of Moldova, or excludes the Company’s liability in cases where the law prohibits such exclusion. Consumers may not waive the rights conferred by Law No. 157/2014.

12. Intellectual Property

The content of the Website (texts, graphic elements, logos, structure, and software) belongs to the Company or its partners and is protected by copyright and related-rights legislation. Use of the content for purposes other than personal, non-commercial purposes is permitted only with the Company’s prior written consent.

13. Communications

13.1. The official communication channel between the Company and the User is e-mail. Documents and notices sent to the e-mail address provided by the User are deemed to have been received.

13.2. Transactional notifications (confirmation of policy issuance, payment confirmation, policy expiry) are sent on the basis of the contract and do not require separate consent.

13.3. Commercial communications (offers and news, by e-mail and/or SMS) are sent only with the User’s prior consent. Consent may be given in one of the following ways:

  • by ticking the relevant checkbox during the purchase process;
  • by creating a personal account — upon registration, the commercial communication channels (e-mail and SMS) are activated, of which the User is informed when creating the account.

Each channel (e-mail, SMS) may be disabled separately, at any time and without justification:

  • if you have an account — from the Settings → Notifications section;
  • if you do not have an account (if the checkbox was ticked during the purchase process) — via the unsubscribe link in each commercial e-mail, and for SMS — by submitting a request to office@general.md or by phone at +373 22 783 800; it is sufficient to indicate the e-mail address or phone number to be removed.

Unsubscribe requests are carried out without delay, within no more than 5 business days of receipt. Disabling commercial channels does not affect transactional notifications (Section 13.2).

14. Complaints

14.1. Complaints regarding the services provided through the Website may be sent to office@general.md, by phone at +373 22 783 800, or in writing to the Company’s registered office. The Company registers complaints and responds within the period provided by law, using at least the same means of distance communication used when concluding the contract.

14.2. If the User is not satisfied with the response received, they may contact the National Bank of Moldova (www.bnm.md) regarding insurance activity, the National Commission for Financial Markets (www.cnpf.md) regarding the protection of consumers of financial services, including distance contracts, and, regarding the processing of personal data, the National Center for Personal Data Protection (48 Serghei Lazo St., mun. Chișinău; datepersonale.md).

14.3. Disputes may also be resolved out of court, including through mediation, in accordance with the law.

15. Applicable Law and Dispute Resolution

These Terms and the contracts concluded through the Website are governed by the legislation of the Republic of Moldova. Disputes that cannot be resolved amicably fall within the jurisdiction of the courts of the Republic of Moldova. The mandatory provisions on consumer protection remain applicable.

16. Final Provisions

16.1. If any provision of the Terms is declared void, the remaining provisions shall remain valid.

16.2. The reference text of the Terms is the Romanian-language version; translations into other languages are provided for informational purposes only.

16.3. Previous versions of the Terms are archived and may be requested at office@general.md.

16.4. Related documents: Privacy Policy, Cookie Policy, and the Insurance Terms of each product.