Intact Asigurări Generale
Intact Asigurări Generale is a privately held Moldovan insurer offering digital-first RCA, CASCO, Carte Verte, medical, property, and specialty insurance products to consumers, SMEs, and commercial clients across Moldova, with electronic policy issuance and 24/7 online purchase via intact.md.
- Company typePrivate
- Founded1997
- HeadquartersChisinau, Moldova
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
What Intact Asigurări Generale does
Intact Asigurări Generale S.A. is a privately held Moldovan insurance company headquartered in Chișinău that underwrites a broad portfolio of general insurance products for individual consumers, SMEs, and specialized commercial clients. Its offering spans mandatory and voluntary motor coverage (RCA, Carte Verte, CASCO), medical and accident insurance, residential and commercial property insurance, and a long tail of specialized lines including aviation, railway CASCO, CMR/cargo, financial-loss, professional civil liability, hazardous industrial objects, and subsidized agricultural insurance. The company operates under an unlimited-term CNPF general insurance license covering classes 1, 2, 3, 7, 8, 9, 10, and 13.
The company's core technology is a digital insurance platform (intact.md) that supports end-to-end self-service — online quotation, form completion, policy purchase, electronic policy issuance, and digital storage in a customer personal cabinet. Policies issued electronically are legally valid and verifiable on the CNPF portal. Two physical offices in Chișinău (a central office on Maria Cebotari 55 and a dedicated claims office on Cucorilor 43) supplement the digital channel for in-person service and claims handling.
The business model is subscription-style recurring revenue from insurance premiums across consumer, SMB, and specialty lines, with installment payment options and bank-rail settlement through Moldova-Agroindbank, Victoriabank, and Raiffeisen Bank International. Customer acquisition runs through a product-led growth motion anchored on the online platform, supplemented by content marketing (insurance education, fraud prevention) and online advertising. The brand emphasizes "fair pricing" (preț cinstit) and 24/7 availability as differentiators against branch-led Moldovan competitors. The company traces a continuous corporate lineage to 1997 (originally as Compania de asigurare "Victoria" SRL), was rebranded to VitoriAsig in 2007, converted to a joint-stock company in 2012, and was renamed to its current form in 2016 alongside a share capital increase from approximately 17.4M MDL to 37.6M MDL following a change in shareholder composition.
Intact Asigurări Generale firmographics
Firmographics- Name
- Intact Asigurări Generale
- Legal name
- Compania „Intact Asigurări Generale" S.A.
- Website
- https://intact.md
- Company type
- Private
- Founded year
- 1997
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Intact Asigurări Generale is a privately held Moldovan insurer offering digital-first RCA, CASCO, Carte Verte, medical, property, and specialty insurance products to consumers, SMEs, and commercial clients across Moldova, with electronic policy issuance and 24/7 online purchase via intact.md.
- Ownership category
- akta.pro rank
Intact Asigurări Generale industry classification
Industry- Product category
- General Insurance
- NAICS
- Direct Life, Health, and Medical Insurance Carriers (52411)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity) (HLAEABAJ)
Keywords
Where Intact Asigurări Generale is headquartered
LocationHeadquarters
- HQ city
- Chisinau
- HQ country
- Moldova
- HQ region
- Europe
Offices2 records
Markets served
Intact Asigurări Generale business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Insurance Premiums: Collection of insurance premiums from policyholders for various insurance products including auto (RCA, CASCO, Carte Verde), health, property, and business insurance. Premiums can be paid in full or in installments depending on the product type.
Go-to-market motion1 record
Distribution channels3 records
Marketing channels4 records
Intact Asigurări Generale product offering
Product offeringCore offering
Intact Asigurări Generale S.A. is a Moldovan general insurance company that sells auto, health, property, accident, and a broad range of commercial insurance products (including CASCO, RCA, Carte Verte, voluntary health, cargo, aviation, professional liability, and subsidized agricultural insurance). Customers can calculate prices, complete forms, purchase, and store policies 24/7 through the company's digital platform intact.md, with physical offices in Chișinău handling in-person service and claims.
Differentiator
Problem solved
Functional benefit
Products and services
- Asigurare Auto RCA (Mandatory Third-Party Auto Liability) Mandatory third-party auto liability insurance required for vehicle registration in Moldova, covering damages or bodily injury caused to third parties in road accidents. Sold online 24/7 with electronic issuance and validation via the CNPF portal.
- Carte Verde (Green Card / International Motor Insurance) International motor insurance certificate covering accidents abroad for Moldovan-registered vehicles, required for cross-border driving into countries of the Green Card system. Sold online and delivered to the customer's phone.
- CASCO (Voluntary Comprehensive Vehicle Insurance) Comprehensive voluntary vehicle insurance covering damage to the insured vehicle itself, including theft, accident, and natural-disaster damage. A 15% discount is offered on the online CASCO product available 24/7.
- Medical/Health Insurance Medical insurance product for individuals and families providing coverage for medical expenses and access to healthcare services. Sold online through the company's platform.
- Asigurare Locuințe Online (Online Residential Property Insurance) Residential property insurance for apartments and houses, purchased fully online and covering damage from various risks. Newly launched digital product enabling home insurance purchase without a branch visit.
- Asigurarea de Accidente (Accident Insurance) Personal accident insurance providing coverage against injury or death resulting from accidents, for individuals and families.
- Asigurarea Facultativă de Sănătate (Voluntary Health Insurance) Voluntary health insurance providing additional medical coverage beyond statutory schemes, supplementing the company's broader health insurance offer for individuals and groups.
- Asigurare Riscuri Financiare (Financial Loss Insurance) Insurance covering financial losses arising from specified events, including loss of income and other monetary exposures for individuals or businesses.
- Asigurări Răspunderi Transport (Carrier Liability Insurance) Liability insurance for transport/carrier companies covering their statutory or contractual liability for loss or damage to goods transported.
- Asigurarea CMR (CMR Insurance) CMR insurance covering the carrier's liability under the CMR Convention for international road freight transport, for haulage and logistics operators.
- Asigurări Bunuri în Tranzit (CARGO / Goods-in-Transit Insurance) Cargo / goods-in-transit insurance covering loss or damage to goods while being transported, for shippers, freight forwarders, and logistics operators.
- Răspundere Civilă Operator Aerieni (Civil Liability of Air Carriers and Aircraft Operators) Civil liability insurance for air carriers and aircraft operators covering third-party liability arising from aviation operations.
- Asigurare Complexă a Băncilor BBB (Comprehensive Bankers Blanket Bond) Comprehensive bankers blanket bond (BBB) insurance covering banks and financial institutions against losses from employee dishonesty, fraud, theft, and related criminal acts.
- CASCO Feroviar (Railway Vehicle Insurance) Comprehensive insurance for railway rolling stock covering damage to locomotives and railway vehicles, analogous to motor CASCO for rail assets.
- Asigurări Aviație (Aviation Insurance) Aviation insurance for aircraft operators covering hull and related aviation risks beyond third-party liability.
- Asigurare OIP (Hazardous Industrial Objects Insurance) Mandatory insurance for hazardous industrial objects covering civil liability for damage resulting from accidents at hazardous industrial facilities.
- Asigurare Subvenționată în Agricultură (Subsidized Agricultural Insurance) Subsidized agricultural insurance covering crops and agricultural risks for Moldovan farmers, eligible for state subsidy support.
- Răspundere Civilă Profesională (Professional Civil Liability Insurance) Professional indemnity / civil liability insurance for professionals and companies covering damages arising from professional errors or omissions in the course of their services.
- Asigurare de Garanții (Performance Guarantee Insurance) Insurance of guarantees (surety/performance bonds) covering the principal's obligation to perform contractual or statutory duties, including bid, performance, and other guarantee instruments.
- Răspundere Civilă Generală a Aparatului de Zbor fără Pilot (UAV / Drone Civil Liability Insurance) General civil liability insurance for unmanned aerial vehicles (drones), covering third-party liability arising from drone operations.
- Răspundere Civilă a Serviciilor și Operator Aeroport (Airport Services and Operator Civil Liability) Civil liability insurance for airport service providers and airport operators covering third-party liability arising from their aviation-related operations.
Companies that use Intact Asigurări Generale
Customer profileSegments6 records
Ideal customer profiles4 records
Intact Asigurări Generale technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Intact Asigurări Generale partnerships and signals
Strategic signalScale indicators2 records
Recent moves11 records
Expansion highlights6 records
Intact Asigurări Generale competitors and assessment
Company assessmentDirect peers
- Grawe Carat Asigurări: Moldovan subsidiary of Austrian Grawe Group offering multi-line insurance products. Comparable to Intact as a Moldovan multi-line insurer with similar geographic and customer focus.
- Moldasig: One of the oldest Moldovan insurance companies, offering general insurance products including auto and property coverage. Comparable to Intact as a Moldovan-domiciled multi-line general insurer serving the same customer segments.
- ASITO: Moldovan insurance company offering general insurance products including auto and property. Comparable to Intact in product scope, regulatory environment, and Moldovan geographic focus.
- Donaris Vienna Insurance Group: One of the largest Moldovan insurance companies, part of Vienna Insurance Group, offering P&C and life insurance. Directly comparable to Intact as a Moldovan multi-line insurer with overlapping product mix and same geographic focus.
- Kliring: Moldovan insurance company operating in the general insurance market with overlapping auto and property offerings. Comparable to Intact as another Moldovan-domiciled multi-line insurer competing in the same market.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Intact Asigurări Generale social profiles
Digital presenceIntact Asigurări Generale financial estimates
Financial estimateRevenue estimate
Valuation estimate
Intact Asigurări Generale leadership team
Management profileNumber of profiles
Intact Asigurări Generale funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Intact Asigurări Generale M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Intact Asigurări Generale
What does Intact Asigurări Generale do?
Intact Asigurări Generale S.A. is a Moldovan general insurance company that sells auto, health, property, accident, and a broad range of commercial insurance products (including CASCO, RCA, Carte Verte, voluntary health, cargo, aviation, professional liability, and subsidized agricultural insurance). Customers can calculate prices, complete forms, purchase, and store policies 24/7 through the company's digital platform intact.md, with physical offices in Chișinău handling in-person service and claims.
Is Intact Asigurări Generale a public or private company?
Intact Asigurări Generale is a private company. It is classified as unknown and is currently operating.
When was Intact Asigurări Generale founded?
Intact Asigurări Generale was founded in 1997. It employs 51 to 100 people.
Where is Intact Asigurări Generale based?
Intact Asigurări Generale is headquartered in Chisinau, Moldova, in the Europe region.
How does Intact Asigurări Generale make money?
One revenue line is on record: insurance Premiums.
Who are Intact Asigurări Generale's main competitors?
Direct peers on record are Grawe Carat Asigurări, Moldasig, ASITO, Donaris Vienna Insurance Group and Kliring.
Does Intact Asigurări Generale have an API?
No public API is recorded for Intact Asigurări Generale.
What industry is Intact Asigurări Generale in?
Intact Asigurări Generale's product category is General Insurance. Its primary akta.pro industry code is HLAEABAJ, Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity). Its NAICS code is 52411 and its SIC code is 6411.