When navigating insurance policies and coverage clauses, you will frequently need to identify which risks are excluded. To express "except for" or "apart from" in Romanian, we use the prepositional phrase în afară de.
The Phrase "În afară de"
Unlike the concessive prepositions that require the Genitive case, în afară de is followed by the Accusative case. For most inanimate nouns, this is great news: the Accusative form is identical to the Nominative (dictionary) form you already know.
Here it is used to specify an excluded risk in an insurance policy:
| The policy covers all risks except for the flood. | Polița acoperă toate riscurile în afară de inundație. |
It works exactly the same way with other everyday nouns, such as theft (furt):
| The client (f.) receives the compensation for everything except for the theft. | Clienta primește despăgubirea pentru tot în afară de furt. |
| The contract covers the insured person for any damage except for the theft. | Contractul îl acoperă pe asigurat pentru orice daună în afară de furt. |
With Definite Nouns and Pronouns
Because în afară de takes the Accusative, you can also easily follow it with definite noun phrases or pronouns without needing to change their forms.
If you want to say "except for the flood of the apartment" (where "flood" takes a definite article because it is followed by a specific descriptor), you simply use the standard definite form:
| We paid everything except for the flood of the apartment. | Am plătit totul în afară de inundația apartamentului. |
Similarly, it flows naturally right into demonstrative pronouns like acesta (this one):
| Sir, is the integral compensation valid for any incident except for this one? | Domnule, este despăgubirea integrală valabilă pentru orice incident în afară de acesta? |