How to check an Allianz-Țiriac carrier liability policy

On the first page find “Asigurarea de răspundere a transportatorului în calitate de cărăuș pentru mărfurile transportate cu vehicule (C.M.R.)” (carrier liability for goods carried by road vehicles, CMR). That title is not proof that cabotage was bought. Cabotage is bought in the “Cabotaj” (cabotage) cell of the Optim package.

Check that the file is a “POLIȚA DE ASIGURARE” (insurance policy), not only the “CERTIFICAT DE ASIGURARE / INSURANCE CERTIFICATE” from Anexa 2. The certificate does not show the Standard/Optim grid or the special mentions.

Find the blue block “ASIGURAT” (insured). Compare “Nume Prenume / Denumire” (name) and “CNP / CUI” (personal ID or Romanian company tax ID) with the contract and the current company record. CUI is the Romanian tax ID, the equivalent of a NIP.

Read “Județ / Sector” (county), “Localitate” (locality) and “Stradă” (street). A similar trading name is not enough. A policy issued to another group company or a previous business needs an explanation before loading.

Copy “POLIȚA DE ASIGURARE Nr” (policy number) exactly as printed in the header. Next to it you may see “înlocuiește/reînnoiește polița nr.” (replaces or renews policy no.). That is the previous contract, not this policy number.

In “Perioada Asigurată” (insured period) the dates must cover loading, the journey and the planned unloading. Cover starts at 00:00 and ends at 24:00. “Emisă în data de” (issued on) does not replace the period.

In “Pachete de asigurare” (insurance packages) read the column with the “X”. “Pachet selectat: Optim” (selected package: Optim) does not mean every optional line was bought. On this form “Avarierea/pierderea mărfii” (damage or loss of goods) and “Furt” (theft) are ticked. “Transport vehicule și utilaje” (carriage of vehicles and machinery) and “Transport mărfuri perisabile” (perishable goods) stay empty.

The “Cabotaj” (cabotage) cell has its own amount. On this form it prints 10.000. Zero in that cell means no cabotage, even when 8.33 DST is printed for national and international traffic.

The 8.33 DST (SDR) per kg line is the CMR weight limit. The cash cap sits in Anexa 1 as “Limita răspunderii” (limit of liability). In “MONEDA” (currency) limits and premium are in EUR, collection is in RON. Do not mix those two figures.

Open “MENȚIUNI SPECIALE” (special mentions). On this form an extra deductible of 10% of the loss, minimum 1,000 EUR, applies when unauthorised persons enter or stay in the cargo compartment. That line is not the “Fransiza” (deductible) column on Anexa 1.

In “Documente părți integrate” (documents that form part of the policy) check the “X” next to “Condiții de asigurare CCMR 02.2018” (CMR conditions of 02.2018), “Anexa 1” and “Anexa 2”. A missing Anexa 1, or a certificate without the package grid, changes the reading of the whole scope.

Open “Anexa 1 la polița de asigurare C.M.R.” (annex 1 to the CMR policy). The row has VIN, “Categorie Vehicul” (vehicle category), “Marca” (make), “Numar inmatriculare” (registration number), “Masa maxima” (maximum mass), “Limita raspunderii” (limit of liability), “Fransiza” (deductible) and the premium. On this form the category is “Autoutilitara < 3,5 t” (light goods vehicle under 3.5 t). A tractor or trailer not on that row is outside this contract.

Match the plate to the booking. The 20.000 EUR cap in that table is tighter than 8.33 DST on a heavy load. A “Fransiza 0” column does not cancel the special-mentions deductible on page 1.

Allianz-Țiriac has no public CMR search by number. Open allianztiriac.ro/ro_RO/persoane-fizice/despre-noi/contact.html. Find a representative on allianztiriac.ro/ro_RO/cauta-reprezentant-vanzari.html. Do not use a phone number that appears only in the carrier’s email.

In the IPID on allianztiriac.ro, cover starts only after the first instalment is paid. Missing that payment voids the contract from the issue date. A later unpaid instalment suspends cover after five days.

The “Acoperiri” (cover) grid splits Standard and Optim. On the Allianz-Țiriac product page, cabotage is an Optim option. Standard can tick damage and theft and still print zero in “Cabotaj”.

Do not take the CMR title as cabotage cover. Read the marked column and the amount in the cell, then Anexa 2.

Anexa 2 prints “Limita răspunderii” (limit of liability) and “Limita răspunderii pentru Cabotaj / Limit of liability for cabotage” as two amounts. On this form 20.000 EUR and 10.000 EUR.

Carriers often send only the certificate. Without page 1 you cannot see whether Optim was marked or whether the special mention raises the deductible.

Anexa 1 ties cover to the VIN, the plate and the category. “Autoutilitara < 3,5 t” (light goods vehicle under 3.5 t) does not cover a set above 3.5 t. The IPID allows premium from a vehicle list or from turnover. This form uses the list.

A vehicle missing from the table, even from the same company, needs another row or another policy.

Page 1 repeats 8.33 DST per kg for national, international and cabotage traffic. Anexa 1 and the certificate print 20.000 EUR on this vehicle under 3.5 t. On a heavy load the cash cap ends cover first.

Do not copy 20.000 EUR onto cabotage. Cabotage has its own, lower amount.

The “Fransiza” (deductible) column on Anexa 1 can show 0. MENȚIUNI SPECIALE adds 10% of the loss, minimum 1,000 EUR, when unauthorised persons enter the cargo compartment.

On another copy the box can say “Fransiza 3% min 100 Eur”. Always read the box, not only the vehicle table.

The Allianz-Țiriac CMR IPID requires a stop longer than 60 minutes between 20:00 and 06:00 to be in a freight parking area that is lit, guarded or video-watched.

The PDF does not show whether that condition holds on your route. Theft from a roadside lay-by still needs that rule, even when “Furt” (theft) is ticked in Optim.