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- Broker de Asigurare si Reasigurare team!
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RITTER – Broker de Asigurare si Reasigurare SRL provides high quality financial consulting services, providing each clieenter code herent with the appropriate insurance product based on their protection needs and financial possibilities.
We ensure the success of our partnerships by representing the interests of our clients in terms of:
Controlling, managing and transferring risks;
Representation and assistance in negotiating and settling damages.
Our company has established collaboration and personalized products with all the main insurance companies present in Romania.
Our team helps clients to choose the insurance company that offers the best conditions in relation to the type of insurance they require and at the same time to guarantee their safety for the risks.
The advisory services provided have a very important role in reducing risk coverage and monitoring an insurance program.
Promoting a wide range of insurance types both in Romania and in Bulgaria, we cover the whole range of risk that revolves around any person, whether natural or legal.
Our mission is to always respect the principles of transparency, promptness and professionalism by committing us to represent the client’s interests in the relationship with the insurance companies.
Through the consulting services offered, our team may lead customers to limiting risk exposure
resulting in a reduction in the insurance premium.
We provide our customers support in case of damage and we negotiate the best insurance and
indemnity solution with the insurance companies by:
Identifying potential risks and assessing them;
Analysis of damage history;
Analysis of any existing insurance policies;
Proposing solutions and implementing them;
Selection of insurance companies according to their financial solvency;
Identifying the need to contract a certain type of insurance.
Our team constantly monitors Romanian insurance market for insurance placement with the
best insurance coverage company and the best payout rate at the best reward with the best
Study of the insurance products;
Solvency analysis of the insurance companies;
Calculation of premium quotations;
Customer profile review;
Monitoring the legal environment of the insurance market;
Individual monitoring of insurers present on the Romanian market.
The existing insurance contracts in our portfolio are regularly monitored and adjusted
according to our clients needs.
Monitoring the payment periods of premiums;
Customer notification regarding policy expiration / renewal / policy re-entry;
Reanalyze the risks insured in order to update them;
Analysis of contractual clauses;
Control of premium payments, insurance contracts and additional documents;
Negotiation with insurance companies by improving insurance conditions or premiums paid;
Consultancy for new risks;
Insurance policy management;
Through our coverage of our professional liability policy, RITTER – Broker de Asigurare si Reasigurare becomes accountable for all the actions undertaken during the term of the mandate contracts.
RITTER – Broker de Asigurare si Reasigurare SRL is a limited liability company established under Law no. 31/1990, republished, with a shared capital of 150 000 LEI.
RITTER – Broker de Asigurare si Reasigurare SRL was authorized according to Law 32/2000 by the Romanian Financial Supervisory Authority by Decision 441/2010, with the registration number in the insurance brokers register RBK-632, to negotiate insurance contracts on the domestic market.
Insurance broker is a Romanian legal person, authorized under the present law, that negotiates for its customers, natural or legal persons, policyholders or potential policyholders, the signing of insurance or reinsurance contracts and provides legal assistance prior and during the term of the contracts or with regard to claims settlement, as appropriate.
LAW NO. 32/2000 on the activity and supervision of insurance and reinsurance intermediaries - consolidated version
Law no. 237/2015 on the authorisation and supervision of the business of insurance and reinsurance
RITTER – Broker de Asigurare si Reasigurare SRL is authorized by ASF and on the private pension intermediation market through the approval number 87 dated from 09.03.2016 with the private pension enrollment code AMI-RO-26794791.
RITTER – Broker de Asigurare si Reasigurare SRL collaborates with experienced pension fund administrators such as Allianz Tiriac Pensii Private and Certinvest Pensii Private.
Litigation in the non-banking financial sector
The consumer is entitled to resort and find alternative dispute resolution for any non-bank financial litigation:
SAL-FIN is the only alternative dispute resolution entity in areas where A.S.F. has the competence to organize and administer SAL procedures to propose or impose, as the case may be, a solution to the parties.
For the non-banking financial market, SAL-FIN is established by the Romanian Financial Supervisory Authority (ASF) as an alternative dispute resolution entity between a trader operating in Romania and subject to the authorization and / or supervision of ASF, as appropriate, and a consumer resident in the European Union.
The Alternative Dispute Resolution Entity in the Non-banking Financial Sector, hereinafter referred to as SAL-FIN, is constituted on the basis of Government Ordinance no. 38/2015 regarding the alternative solution of disputes between consumers and traders, hereinafter referred to as GO no. 38/2015, and offers you the solution of a dispute through an SAL-FIN procedure is organized and works according to a regulation and specific follow-up procedures.
SAL-FIN has the mission to organize and resolve, through SAL-FIN procedures, consumer disputes as defined in Art. 2 point 2 of the Government Ordinance no. 21/1992 on consumer protection, republished, with subsequent modifications and completions, and the authorized entities, regulated and / or supervised by A.S.F., as the case may be, hereinafter referred to as trader / professional.
In order to resolve a dispute with a professional / trader by applying the SAL-FIN procedure, the consumer must express this option voluntarily and address SAL-FIN in writing, directly to the SAL-FIN office, by post or by any electronic means of communication.
The procedures administered and organized by SAL-FIN are without prejudice to:
Consumer can resort to any of these ways of solving the claimed aspects, without excluding each other, except in the cases expressly provided by GO no. 38/2015.
Consumers may submit the dispute to SAL-FIN procedures administered by SAL-FIN if they have evidence that they tried previously to settle the dispute directly with the trader concerned.
Alternative dispute settlement and settlement is done through the SAL-FIN procedure completed with the proposal of a SAL-FIN solution or procedure finalized with the imposition of a detailed solution.
SAL-FIN manages its own website (www.SALFIN.ro), which is permanently updated, allowing the parties to access easy the information about the SAL-FIN procedures that are being carried out and supports the on-line settlement of disputes.
REGULATION no. 4 of 27 April 2016 on the organization and operation of the Entity Alternative Alternative Litigation in the Non-Banking Financial Sector (SAL-FIN)
PROCEDURE of 27 April 2016 for alternative dispute resolution through taxation a solution within SAL-FIN
ORDINANCE no. 38 of 26 August 2015 on Alternative Dispute Settlement between consumers and traders
RITTER - Broker de Asigurare si Reasigurare SRL is a 100% Romanian capital insurance brokerage company offering brokerage, consulting, assistance services and financial analysis of each potential client according to its necessity.