Casco (own-damage car insurance) — Italy

[1] Own damage: 100% of insured sum ↩

The Kasko guarantee indemnifies material damage to the insured vehicle regardless of fault, selectable in three formulas: Kasko collisione a primo rischio assoluto (first-loss limit declared in policy, illustrated at €3,000 for a sample Fiat 500 electric), Kasko limitata a collisione (up to the vehicle's commercial value) and Kasko Completa (comprehensive, up to commercial value).

[2] Total loss: 100% of insured sum ↩

Selectable rider granting new-value (rather than depreciated) indemnity in case of total loss up to the third year of vehicle life for Theft, Fire, Vandalism/Natural and Sociopolitical Events, Imprevisti da Circolazione (urto/collisione con animali) and Kasko (Completa or limitata a collisione, not applicable to Kasko PRA); grantable for vehicles up to 14 months old and renewable annually up to a maximum of 3 years from first registration.

[3] Partial loss: Optional ↩

Partial material damage to the insured vehicle is covered under the same three Kasko formulas, subject to deductibles/excesses that vary by formula chosen; the optional 'Protezione Franchigia e Scoperti' rider removes deductibles when the damage value exceeds the excess.

[4] Theft & robbery: 100% of insured sum ↩

The Furto e Incendio guarantee covers theft, attempted theft and robbery of the insured vehicle up to its commercial value (or new value if the 'Indennità Valore a Nuovo' rider is active), and extends to owned charging accessories (home wallbox, charging cables, portable charger) up to €600 for a single claim per policy year.

[5] Glass damage: €450 – €2,000 ↩

Insurable glass value selectable at €450, €600, €1,000 or €2,000. If repaired at a partner center (Carglass, Doctor Glass, Glassdrive, Vetrocar), Allianz pays directly, the normally 20% excess is zeroed, and the chosen limit is increased by €150; cover also includes replacement of vehicle keys if lost/stolen, replacement of home door locks if house keys are stolen with the vehicle, and restoration of glass-linked sensors (e.g. rain sensors) when repaired at a partner center.

[6] Natural perils: 100% of insured sum ↩

The 'Atti Vandalici, Eventi Naturali e Sociopolitici' guarantee indemnifies damage from hail, whirlwinds, floods and other natural/sociopolitical events up to the vehicle's commercial value, and extends to owned charging accessories such as the home wallbox, charging cables and portable charger.

[7] Vandalism: 100% of insured sum ↩

Within the same 'Atti Vandalici, Eventi Naturali e Sociopolitici' guarantee, intentional/voluntary damage to the insured vehicle is indemnified up to its commercial value; also covers direct cyberattack/hacking damage causing malfunction or blockage of the anti-theft system, satellite navigation, or other software-managed onboard systems, up to €1,000 for a single claim per policy year.

[8] Roadside assistance: Optional ↩

24/7 roadside assistance dedicated to EV/PHEV drivers: if the vehicle stops due to battery depletion, Allianz dispatches a fast-charge equipped rescue vehicle or a certified EV tow truck to transport the vehicle to the nearest (fast or standard) charging station; also covers breakdown, fire, accident and attempted/partial theft immobilizing the vehicle. Territorial validity: Italy, Vatican City and San Marino.

[9] Replacement vehicle: Conditional ↩

Upon total theft loss and submission of a theft report to the authorities, Allianz provides a substitute rental vehicle (Group D maximum) for up to 30 consecutive days; fuel, charging, tolls, paid-area access and rental insurance are excluded, and the service is subject to the local rental company's terms; territorial validity is limited to Italy, Vatican City and San Marino (excludes abroad).

[10] Driver accident: Optional ↩

Covers permanent disability or death of the driver arising from accidents occurring while driving, including a Lithium-specific extension covering accidents during vehicle charging operations such as electrocution or burns; a distinct benefit (up to €200 per event under the Assistenza section) reimburses ambulance and emergency-room costs following a road accident.

[11] Own damage: 100% of insured sum ↩

Optional Kasko guarantee offered in three selectable forms: Kasko Totale covers material damage from collision, impact with fixed/mobile obstacles, running off the road, and rollover during circulation (including own-fault accidents); Kasko Parziale covers damage from accidental impact with another identified vehicle; Kasko Collisione covers damage from collision with an identified but uninsured vehicle, capped at €5,000 per claim/year (or the vehicle's commercial value if lower), with a 10% excess (minimum €150). Kasko Totale and Kasko Parziale are capped at the insured value declared in the policy.

Kasko totale L'Impresa assicura il risarcimento dei danni materiali e diretti subiti dal veicolo descritto in polizza... in conseguenza di collisione, urto, uscita di strada, ribaltamento, verificatisi durante la circolazione.

[12] Total loss: 100% of insured sum ↩

In case of total loss within the first 12 months from first registration, the insurer pays the loss in full (less the excess shown on the policy schedule), within the insured value; after 12 months, the indemnity is based on the vehicle's Quattroruote-listed value at the time of the claim, net of the salvage value.

In caso di danno totale subito dal veicolo entro i primi 12 mesi dalla data della sua prima immatricolazione, l'Impresa risarcisce il danno per intero, sotto deduzione dello scoperto indicato nel frontespizio di polizza.

[13] Partial loss: 100% of insured sum ↩

For partial damage occurring within 36 months of first registration on passenger cars, indemnity is calculated without any wear-and-tear (degrado) deduction on the vehicle and its parts, except tyres, battery, engine parts, brakes, clutch, shock absorbers and other mechanical components, within the insured value or, if lower, the commercial value.

In caso di danno parziale, che si verifichi entro 36 mesi dalla data di prima immatricolazione, l'indennizzo verrà determinato senza tenere conto del degrado dell'autovettura e delle sue parti (ad eccezione degli pneumatici, batteria, parti del motore, freni, frizione, ammortizzatori e comunque degli organi meccanici in genere) nei limiti del valore assicurato o, se minore, di quello commerciale.

[14] Theft & robbery: 100% of insured sum ↩

Theft and robbery of the vehicle are explicitly excluded from the Kasko guarantee itself, but are covered under a separate optional 'Furto e Rapina' guarantee, indemnifying material damage from theft or robbery (consummated or attempted) up to the insured value, with an excess/deductible that varies by vehicle risk category, province of residence and the presence of a satellite anti-theft device.

L'Impresa assicura il risarcimento dei danni materiali e diretti subiti dal veicolo descritto in polizza, nel limite del valore assicurato... derivanti da furto o rapina (consumati o tentati), compresi i danni subiti dal veicolo nell'esecuzione o in conseguenza del furto o rapina dello stesso.

[15] Glass damage: €1,000 ↩

Optional guarantee indemnifying material damage, including installation/repair costs, for replacement of the vehicle's glass following accidental breakage or breakage caused by third parties, up to €1,000 per claim/year. A fixed deductible (€150 for most vehicles, €200 for trucks) applies, but is waived if the repair is carried out at a Carglass-affiliated centre.

La somma rimborsata per ogni sinistro, e comunque per ogni anno assicurativo, indipendentemente dai cristalli rotti, non potrà essere superiore a: Euro 1.000 per tutti i veicoli

[16] Natural perils: €10,000 ↩

Optional guarantee covering material damage from hail, storms, hurricanes, tornadoes, floods, landslides, avalanches, snowfall, volcanic eruptions and earthquakes, up to the insured value with a 10% excess (minimum €250); hail damage specifically is sub-limited to 50% of the insured value, capped at €10,000.

EVENTO GRANDINE 50% DEL VALORE ASSICURATO CON IL MASSIMO DI EURO 10.000 10% CON IL MINIMO DI EURO 250

[17] Vandalism: Optional ↩

Optional guarantee covering material damage from acts of vandalism, terrorism, riots, strikes and sabotage. Both the limit of indemnity and the applicable excess vary depending on the province of residence of the vehicle owner.

ATTI VANDALICI ED EVENTI SOCIOPOLITICI IN FUNZIONE DELLA PROVINCIA DI RESIDENZA DEL PROPRIETARIO IN FUNZIONE DELLA PROVINCIA DI RESIDENZA DEL PROPRIETARIO

[18] Roadside assistance: €200 ↩

Optional Assistenza guarantee (Basic and Confort packages) providing 24/7 roadside assistance including towing and mobile workshop intervention up to €200 per claim, and recovery of the vehicle if it has gone off the road, also up to €200 per claim; accessible via a toll-free number staffed 24 hours a day, every day of the year.

la Struttura Organizzativa procurerà direttamente all'Assicurato il mezzo di soccorso per trainare il veicolo stesso al più vicino punto di assistenza della casa costruttrice o all'officina indicata dall'Assicurato... tenendo l'Impresa a proprio carico il relativo costo fino ad un massimo di 200 Euro per sinistro.

[19] Replacement vehicle: 3 days – 7 days ↩

Available only within the Confort assistance package (not Basic): if the vehicle is immobilised following a covered claim and repair requires more than 8 hours of certified labour, a replacement 1200cc car with unlimited mileage is provided for 3 consecutive days in case of breakdown, or 7 consecutive days in other covered cases.

la Struttura Organizzativa metterà a disposizione dell'Assicurato... un'autovettura di 1200 cc. di cilindrata, con percorrenza illimitata, per un massimo per sinistro di: - tre giorni consecutivi in caso di guasto - sette giorni consecutivi in tutti gli altri casi.

[20] Driver accident: Optional ↩

Optional guarantee covering accidents suffered by whoever is driving the insured vehicle (death, permanent disability and medical expense reimbursement), including accidents caused by the driver's own imprudence, negligence or gross negligence. For permanent disability, a fixed 3% excess applies up to 10% disability for cars, while for motorcycles/mopeds a flat 5% excess applies (no indemnity at or below 5% disability).

Franchigia fissa del 3% relativa al 10% per il caso di invalidità permanente derivante dalla guida di tutti i veicoli con esclusione di motocicli e ciclomotori... Franchigia assoluta per il caso di invalidità permanente derivante dalla guida di motocicli e ciclomotori Non si farà luogo ad indennizzo... quando questa sia di grado pari o inferiore al 5%

[21] Own damage: See details ↩

The product does not include a comprehensive own-damage/collision (Kasko) guarantee; only Fire and Theft & Robbery are available as optional accessory guarantees for physical damage to the vehicle.

[22] Total loss: Optional ↩

Available only under the optional Furto e Rapina (Theft & Robbery) guarantee. Total loss means theft/robbery without recovery, or repair costs exceeding 80% of the vehicle's commercial value at the time of the claim followed by scrapping of the wreck; Generali reimburses the commercial value (per the Ruoteclassiche reference magazine) up to the insured value, minus salvage value.

[23] Partial loss: Optional ↩

Available only under the optional Incendio (Fire) guarantee; Generali indemnifies repair or replacement costs for parts damaged or destroyed by non-malicious fire, up to the vehicle's commercial value at the time of the claim. The Furto e Rapina guarantee covers total loss only, not partial theft damage.

[24] Theft & robbery: Optional ↩

Optional accessory guarantee indemnifying only total loss of the vehicle due to theft or robbery (i.e. theft/robbery without recovery); partial theft damage is not covered under this guarantee.

[25] Glass damage: Excluded ↩

Glass/windscreen breakage is not among the guarantees offered under this product (R.C.A., Incendio, Furto e Rapina, Assistenza, Tutela Legale); no stand-alone glass coverage is provided.

[26] Natural perils: Excluded ↩

Explicitly excluded from both the Incendio and Furto e Rapina guarantees: floods, landslides, hailstorms, hurricanes, snow, volcanic eruptions and earthquakes are not covered.

[27] Vandalism: Excluded ↩

Vandalism and malicious acts are explicitly excluded from the Incendio guarantee (tumulti popolari, atti di vandalismo o dolosi).

[28] Roadside assistance: €300 ↩

Optional 24/7 assistance guarantee providing roadside towing/recovery (max €300 per claim), continuation of journey/passenger return (max €300), hotel expenses (max €300), and vehicle repatriation from abroad (capped at the vehicle's post-loss commercial value); each service usable up to 3 times per policy period.

[29] Replacement vehicle: Excluded ↩

No replacement/courtesy vehicle benefit is provided; only alternative transport (train/plane ticket) for journey continuation is included under the optional Assistenza guarantee.

[30] Driver accident: Excluded ↩

No personal accident guarantee for the driver is included or offered as an option under this product; the R.C.A. and accessory guarantees cover only third-party liability, fire, theft/robbery, roadside assistance and legal protection.

[31] Own damage: Optional ↩

Optional guarantee, purchasable only if added to the policy, indemnifying direct and material damage to the insured vehicle (including accessories) occurring during circulation in public or private areas (excluding airport areas). Two tiers: Minikasko covers only collision with an identified, registered motor vehicle (even if uninsured); Kasko additionally covers impact against mobile or fixed obstacles, impact of objects against the vehicle, and running off the road or overturning. The insured sum (Somma assicurata) equals the vehicle's value stated in the policy. Genertel waives its right of subrogation against the driver, passengers and the policyholder's family members/employees.

Genertel indennizza i danni diretti e materiali subiti dal veicolo assicurato, compresi gli accessori stabilmente fissati, a seguito di un evento avvenuto durante la circolazione del veicolo in aree pubbliche o private, escluse le aree aeroportuali. […] Se acquistata la Minikasko: collisione con veicolo a motore immatricolato e identificato, anche se non assicurato. […] Se acquistata la Kasko: stessi eventi previsti dalla Minikasko, con in più: a) urto del veicolo contro ostacoli mobili o fissi;

[32] Total loss: Optional ↩

Within the optional Furto e Incendio, Minikasko and Kasko guarantees, the vehicle is treated as a total loss (Perdita totale) if stolen and not recovered within two months, or if damaged so that its residual value is below 20% of its pre-loss commercial value. Genertel pays the vehicle's commercial value at the time of the loss, capped at the insured sum; if total loss occurs within six months of first registration, the settlement equals the insured sum, capped at the commercial value at purchase.

“Perdita totale”: il veicolo è considerato totalmente perso se viene rubato e non viene ritrovato entro due mesi, oppure se è tanto danneggiato da avere un valore residuo inferiore al 20% del valore commerciale prima del sinistro; […] In caso di perdita totale del veicolo l’ammontare del danno è uguale al valore commerciale del mezzo al momento del sinistro e non può essere superiore al valore assicurato. […] Se la perdita totale avviene entro sei mesi dalla data di prima immatricolazione, l’ammontare del danno è pari al valore assicurato; questo valore non può però essere superiore al valore commerciale al momento dell’acquisto.

[33] Partial loss: Optional ↩

For partial damage under the optional own-damage guarantees, the settlement equals the cost of repair/replacement net of a wear-and-tear deduction (Degrado d'uso) applied to spare parts on a sliding scale by vehicle age (0% up to 2 years, 20% after 3 years, 30% after 4, 40% after 5, 50% after 6+ years); bodywork panels are not subject to wear deduction, though headlights, cameras, parking sensors and wheel rims are. The Scoperto (percentage deductible) and Minimo (minimum non-indemnifiable amount) stated in the policy are then applied.

l’ammontare del danno è uguale al costo delle riparazioni o sostituzioni per ripristinare il veicolo al netto della percentuale di degrado d’uso prevista per tutti i pezzi di ricambio. Il degrado non si applica per le parti di carrozzeria. […] da questa definizione restano però esclusi, e quindi sono soggetti a degrado, qualora previsto: la fanaleria, le telecamere posteriori ed anteriori, i dispositivi di parcheggio, i cerchi ruota. […] Oltre 1 anno 0% Oltre 2 anni 0% Oltre 3 anni 20% Oltre 4 anni 30% Oltre 5 anni 40% Oltre 6 anni 50%

[34] Theft & robbery: €1,250 ↩

Optional guarantee indemnifying direct and material damage from theft or attempted theft of the vehicle, its parts or contents (including forced-entry attempts), and from fire (even if caused by vandalism). Theft of non-standard multimedia devices fixed to the vehicle is covered up to a sub-limit of €1,250 (the value_max shown here), within the overall insured sum, provided proof of purchase is supplied. Also indemnifies custody/storage costs up to €500 per event and the loss of unused road tax after theft when a replacement vehicle is insured with Genertel.

a) furto o tentato furto del veicolo, di sue parti o di oggetti in esso contenuti. Il furto di apparecchi multimediali non di serie è indennizzato solo se sono stabilmente fissati al veicolo, fino a un massimo di 1.250 euro e sempre nei limiti della somma assicurata. […] In questi casi il contraente deve dimostrare l’esistenza dei beni sottratti presentando a Genertel la documentazione relativa all’acquisto; […] b) incendio con sviluppo di fiamma, anche se causato da atti di vandalismo.

[35] Glass damage: Optional ↩

Optional guarantee, purchasable only together with Assistenza Stradale Estesa or Top, indemnifying direct and material damage from breakage of the windscreen, rear window, side windows or panoramic roof due to an accidental cause other than a weather event or vandalism. A Minimo applies, but is waived for partial glass damage repaired at a carglass® centre where the repair cost does not exceed €100.

CRISTALLI La garanzia può essere acquistata solo se abbinata alla garanzia Assistenza Stradale Estesa o Top. Genertel garantisce l'indennizzo dei danni diretti e materiali subiti dal veicolo assicurato a seguito di rottura del: • parabrezza; • lunotto posteriore; • vetri laterali; • tetto panoramico; dovuta a una causa accidentale diversa da quelle elencate negli artt. 4.1 lettera A - Eventi atmosferici e 4.1 lettera B - Atti vandalici. […] A carico dell'assicurato rimane il minimo indicato in contratto. In caso di danno parziale ai cristalli, se la riparazione viene fatta presso un centro carglass® e il suo costo non supera i 100 euro, non viene applicata la franchigia prevista.

[36] Natural perils: Optional ↩

Optional guarantee, purchasable only combined with Furto e Incendio, Kasko or Minikasko, indemnifying direct and material damage caused by hurricanes, tornadoes, hail, landslides and mudslides.

La garanzia può essere acquistata solo se abbinata alla garanzia Furto e Incendio, Kasko o Minikasko. […] Genertel garantisce l’indennizzo dei danni diretti e materiali subiti dal veicolo assicurato a seguito di: • uragani; • trombe d’aria; • grandine; • frane; • smottamenti.

[37] Vandalism: Optional ↩

Optional guarantee, purchasable only combined with Eventi atmosferici, indemnifying direct and material damage caused by civil unrest, strikes, riots, terrorism, sabotage or other vandalism acts, provided the damage is attributable to these events and not to a circulation event.

La garanzia può essere acquistata solo se abbinata alla garanzia Eventi atmosferici. […] Genertel garantisce l’indennizzo dei danni diretti e materiali subiti dal veicolo assicurato a seguito di: • tumulti popolari; • scioperi; • sommosse; • atti di terrorismo, sabotaggio o altri atti di vandalismo. Il danno deve essere riconducibile a questi eventi e non a un possibile evento da circolazione.

[38] Roadside assistance: €200 – €500 ↩

Optional 24/7 roadside assistance provided via Europ Assistance Italia S.p.A., in three tiers: Assistenza Stradale Estesa (towing/breakdown assistance up to €200 per claim), Assistenza Stradale Top (up to €500 per claim, plus taxi to collect the repaired vehicle up to €150), and Assistenza Stradale Auto Elettriche (up to €500 per claim, plus a battery-recharge service for electric vehicles). Depannage (minor on-site repair, e.g. flat tyre, dead battery) is included if the provider is within 20 km.

Le spese relative al soccorso stradale sono a carico di Genertel fino a un massimo di 500 euro per sinistro. Le prestazioni sono erogate solo se l'autovettura non pesa più di 3.500 Kg a pieno carico.

[39] Replacement vehicle: 3 days – 30 days ↩

Optional courtesy-car benefit tied to the roadside assistance guarantees, expressed in consecutive days: up to 3 days (Estesa); up to 7 days for breakdown/accident/fire/partial theft or up to 30 days for total theft (Top and Auto Elettriche). Auto Elettriche alternatively offers up to 10 hours of car-sharing usable within 10 days. Vehicle category: up to 1,200cc (Estesa), equivalent to the insured vehicle with a minimum of 1,600cc (Top), or electric/hybrid if available, otherwise equivalent category (Auto Elettriche).

Genertel tiene a proprio carico i costi per il noleggio dell'autovettura, a chilometraggio illimitato, fino al termine della riparazione o fino al ritrovamento e comunque: • per un massimo di 7 giorni consecutivi - in caso di guasto, incidente, incendio, furto parziale, o ritrovamento dopo furto; • per un massimo di 30 giorni consecutivi - in caso di furto totale.

[40] Driver accident: Optional ↩

Optional guarantee indemnifying, within the Massimale stated in the policy, injuries suffered by the driver following an at-fault road accident: medical-expense reimbursement, travel expenses to specialised centres (up to €500), a daily hospitalisation/cast allowance (amount indicated in the policy, up to 30 days), a permanent-disability indemnity payable only for the portion exceeding a 5% franchise, and a death benefit paid to the heirs if death occurs within one year of the accident.

Genertel indennizza, nei limiti stabiliti in contratto, gli infortuni subiti dal legittimo conducente del veicolo assicurato a seguito di un incidente stradale con colpa. […] Genertel indennizza le spese di viaggio (andata e ritorno) che l’assicurato sostiene per raggiungere un centro ospedaliero o un istituto di cura di alta specializzazione situato a più di 50 km dalla residenza dell’assicurato, fino a un massimo di 500 euro. […] Non è previsto alcun indennizzo in caso di invalidità permanente inferiore o uguale al 5%. Se l’invalidità permanente supera il 5% viene corrisposto l’indennizzo solo per la parte che supera questa soglia.

[41] Own damage: Optional ↩

Optional Kasko cover indemnifies material and direct damage to the insured vehicle from collision with another vehicle, persons or animals, falling objects, overturning, running off the road, or impact with obstacles. It is sold in four forms (Kasko Completa, Collisione Estesa, Collisione Agevolata, Urto o collisione con animali ungulati); indemnity is capped at the vehicle's declared commercial or new value, except for 'Collisione Agevolata Forma B' (max €3,500/year) and 'Urto o collisione con animali ungulati' (max €3,000/year, fixed €350 deductible). Cover excludes damage while driving under the influence of alcohol or drugs.

Sono previste quattro diverse forme a scelta: 1. Kasko Completa: copre i danni materiali e diretti subiti dal veicolo assicurato in conseguenza di collisione con altro veicolo, con persone od animali; caduta di oggetti e materiali, ribaltamento e uscita di strada e in genere urto contro ostacoli o contro oggetti di qualsiasi tipo, cedimento o franamento del terreno, rottura di ponti e strade.

[42] Total loss: Conditional ↩

Total loss occurs when a stolen vehicle is not recovered, or when repair costs exceed 80% of the vehicle's value at the time of the claim and the wreck is scrapped. Indemnity equals the vehicle's commercial value (or, if the 'new value' option and period apply, its new value) per the reference valuation guide; this cover is only active if Kasko, Fire/Theft, Natural Events or Sociopolitical Events guarantees are purchased in the 'TIPO COMPLETO' form.

Si intende "danno totale" quando il veicolo, in seguito a furto o rapina, non sia stato ritrovato oppure quando, a seguito di eventi che diano luogo a danni materiali, le spese per la sua riparazione veicolo superino l'80% del valore dello stesso al momento del sinistro, purché l'Assicurato abbia provveduto alla demolizione del relitto.

[43] Partial loss: Conditional ↩

Any damage not qualifying as total loss is indemnified as partial loss: the cost of repair/replacement, with wear-and-tear deduction applied under the 'Valore Commerciale' option, or without deduction (up to the vehicle's commercial value) under the 'Valore a Nuovo' option during the chosen new-value period.

in caso di danno parziale: una somma corrispondente al costo delle riparazioni o delle sostituzioni con applicazione del degrado sul prezzo delle parti sostituite, salvo il limite del valore commerciale dello stesso al momento del sinistro.

[44] Theft & robbery: Optional ↩

Optional guarantee covering material and direct damage from fire, lightning, fuel explosion, theft or robbery (attempted or completed), including damage occurring while the vehicle is driven after a theft/robbery and fire following theft/robbery. Indemnity is based on the vehicle's declared value, with deductibles/excesses set in the policy schedule.

Sono compresi i danni: da incendio causati da atti dolosi; materiali e diretti causati al veicolo durante o in conseguenza di furto o rapina, consumati o tentati; verificatisi al veicolo durante la circolazione dopo il furto o la rapina; causati dall'incendio che avviene dopo un furto o rapina.

[45] Glass damage: €750 – €2,000 ↩

Optional guarantee reimbursing the cost of replacing or repairing the windscreen, rear window, side windows and roof glass, up to a per-policy-period limit chosen by the client of €750, €1,000, €1,500 or €2,000, regardless of the number of glass items broken. A €200 deductible applies if the replacement is carried out at a non-affiliated centre.

La garanzia è prestata per ogni periodo assicurativo fino alla concorrenza di € 750, € 1.000, € 1.500 o €2.000 a scelta del cliente indipendentemente dal numero dei cristalli rotti. La garanzia è prestata con applicazione di una franchigia pari a € 200 qualora la sostituzione del cristallo avvenga presso un centro non convenzionato per la riparazione.

[46] Natural perils: Optional ↩

Optional guarantee covering weather-related damage (floods, landslides, storm surges, avalanches, volcanic eruptions, snow/ice/stone falls, wind-driven object impact during tornadoes, hurricanes, storms). Hail and earthquake damage can additionally be activated (only together with the Eventi Atmosferici cover) with a client-chosen sub-limit of €2,500 or the vehicle's insured value, never exceeding it.

Evento grandigeno e terremoto, i danni materiali e diretti subiti dal veicolo assicurato per effetto della grandine e del terremoto fino al massimale a scelta del cliente (2.500€ o valore assicurato) e comunque non superiore al valore assicurato del veicolo. La garanzia Grandine e terremoto è attivabile solo in presenza della Garanzia Eventi Atmosferici.

[47] Vandalism: Optional ↩

Optional guarantee covering material and direct damage from popular uprisings, strikes, riots, demonstrations, terrorism, sabotage and vandalism/malicious acts. Cover terms depend on the vehicle type and age shown on the policy schedule; damage arising from the vehicle's circulation is excluded.

Copre i danni materiali e diretti subiti dal veicolo assicurato in conseguenza di tumulti popolari, scioperi, sommosse, dimostrazioni, atti di terrorismo, di sabotaggio, di vandalismo e dolosi in genere.

[48] Roadside assistance: Optional ↩

Optional Assistenza guarantee (Silver or Gold formula), delivered via Europ Assistance VAI S.p.A., covering roadside towing, mobile workshop repair, out-of-road recovery, breakdown phone support and taxi reimbursement (max €50/claim, up to 2 times/year); Gold adds sub-limited benefits such as legal-fee advances (max €3,500), first-necessity expense advances (max €500) and interpreter service (max 8 working hours).

Attivabile nel caso in cui il veicolo abbia subito un incidente, incendio, guasto, furto tentato o parziale, rapina tentata, furto totale o rapina. La garanzia è offerta in due forme: SILVER e GOLD (Ogni prestazione può essere fornita per un massimo di tre volte per periodo assicurativo.)

[49] Replacement vehicle: Optional ↩

Available within the Assistenza guarantee: an equivalent-class vehicle (max 2000cc) is provided for up to 7 days under the Silver formula or 30 days under the Gold formula in case of accident/fire/attempted theft/robbery with repairs exceeding 8 hours of certified labour, or in case of theft/robbery; for breakdowns the limit is 7 days (Silver) or 15 days (Gold).

Auto in sostituzione (7 giorni): viene messo a disposizione un veicolo equivalente; ... GOLD prevede, oltre alle prestazioni riportate nella formula SILVER: Auto in sostituzione (30 giorni): viene messo a disposizione un veicolo equivalente, in caso di guasto la garanzia è prestata per un massimo di 15 (quindici) giorni.

[50] Driver accident: Optional ↩

Optional guarantee covering the driver for accidents occurring during the vehicle's circulation: Death (lump sum to heirs), Permanent Disability (percentage of the client-chosen sum insured, subject to a 3% franchise, with a higher 5% franchise threshold on the portion of sum insured between €130,000-€200,000 and 10% above €200,000), Hospitalisation daily allowance (up to 360 days, plus a further 12 days of convalescence allowance at 50% of the daily rate), and reimbursement of medical expenses.

Limitazioni: sono previste combinazioni di massimali. Sulla garanzia Invalidità Permanente è prevista una franchigia del 3% cioè la parte di danno che rimane in carico all'assicurato.

[51] Own damage: Optional ↩

Indemnifies damage to the vehicle from collision, overturning, running off the road, or falling rocks, landslides, avalanches and snow slides during circulation. Can only be purchased together with the Fire and Theft/Robbery guarantees. Deductibles, excesses and the insured sum are specified in the individual policy, not in this document. If the policyholder chooses 'Indennizzo in forma specifica', the guarantee premium is discounted 5% and repairs are made directly at an ITAS-affiliated body shop; if repaired at a non-affiliated shop with a later reimbursement request, the settlement is reduced by 10%.

Danni accidentali (Kasko): ITAS Mutua indennizza i danni al veicolo in conseguenza di urto, ribaltamento, uscita di strada o collisione, verificatisi durante la circolazione, nonché a seguito di caduta di sassi, frane, valanghe e slavine.

[52] Total loss: Optional ↩

The DIP does not separately quantify a total-loss settlement; total loss is indemnified within the Fire, Theft/Robbery and Accidental Damage (Kasko) guarantees according to the insured sum, deductibles and excesses shown in the individual policy schedule.

[53] Partial loss: Optional ↩

Covers damage to the vehicle from collision with identified vehicles where the insured is found wholly or partly liable, including overturning or running off the road resulting from the collision. Deductibles, excesses and insured sum are specified in the policy. Available with 'No degrado' or 'Rimborso a nuovo per collisione' extensions; choosing 'Indennizzo in forma specifica' gives a 5% premium discount with repair at an ITAS-affiliated body shop, otherwise settlement is cut by 10% if repaired elsewhere with a reimbursement claim.

La garanzia comprende i danni al veicolo in conseguenza di collisione con veicoli identificati in caso di accertata responsabilità, totale o parziale, dell’assicurato nella causazione del sinistro; sono compresi i danni al veicolo per ribaltamento o uscita di strada conseguenti alla collisione.

[54] Theft & robbery: Optional ↩

Indemnifies total or partial theft and robbery of the vehicle, including damage arising from circulation during illegal use or possession of the vehicle following theft. Can only be purchased together with the Fire guarantee. Deductibles, excesses and insured sum are specified in the individual policy. Does not cover damage resulting from the crime of misappropriation (appropriazione indebita).

La garanzia può essere acquistata solo insieme alla garanzia Incendio. Nella garanzia sono inclusi i danni derivanti dalla circolazione avvenuta durante l’uso o il possesso illegale del veicolo stesso.

[55] Glass damage: Optional ↩

Reimburses costs incurred to repair or replace the vehicle's windows/glass following accidental breakage or action by third parties. This guarantee is only sellable for buses, trucks and campers (autocaravan) - it is not available for the passenger-car-oriented vehicle categories excluded from this document's scope. Excludes scratches, scoring and crazing of the glass, damage to other vehicle parts, and damage from overturning, running off the road or collision.

La garanzia è vendibile solo per autobus, autocarri e autocaravan.

[56] Natural perils: Optional ↩

Indemnifies material and direct damage from strong wind, whirlwind, storm, hurricane, hail, snow accumulation, landslide, avalanche, snow slide, subsidence, earthquake, volcanic eruption, storm surge, flood and inundation, and falling trees or aircraft. Not sellable for goods-transport motor tricycles, quadricycles and mopeds, caravans, luggage trailers, operating machinery, or agricultural machinery. Excludes glass damage and water ingress through open windows, doors or roofs.

Le garanzie non sono vendibili per motocarri, quadricicli e ciclomotori trasporto cose, roulottes e rimorchi portabagagli, macchine operatrici e macchine agricole.

[57] Vandalism: Optional ↩

Indemnifies material and direct damage to the vehicle from malicious acts of third parties, including vandalism, terrorism, sabotage, strikes or riots. Not sellable for goods-transport motor tricycles, quadricycles and mopeds, caravans, luggage trailers, operating machinery, or agricultural machinery. Excludes glass damage and damage occurring while the vehicle is being driven.

Eventi socio politici: ITAS Mutua indennizza i danni materiali e diretti subiti dal veicolo, in conseguenza di atti dolosi di terzi, compresi quelli vandalici, di terrorismo, di sabotaggio, scioperi o sommosse.

[58] Roadside assistance: Optional ↩

Provides roadside recovery and logistical support following breakdown, accident, fire, theft (including partial or attempted) or robbery (including attempted), plus personal-assistance services. The 'autovettura' version is only sellable for caravans, campers (autocaravan), trailers with their own plate, and trucks up to 35 quintals with a height not exceeding 2.70 m; a separate 'autocarro' version applies for trucks/trailers over 35 quintals gross weight. No indemnity/service is due if the insured fails to contact the operations centre when the event occurs; services cannot be provided more than three times per type per policy year, and the maximum continuous stay abroad covered per policy year is 60 days. Excludes events from suicide/attempted suicide, reckless acts or races/competitions, alcohol or psychotropic drug abuse, or an unlicensed driver.

La garanzia è vendibile solo per roulottes, autocaravan, carrelli dotati di targa propria, autocarri fino a 35 quintali e con altezza non superiore a 2,70 metri.

[59] Replacement vehicle: See details ↩

No replacement/courtesy vehicle guarantee is mentioned in the Dimensione Auto DIP or DIP aggiuntivo; the Roadside Assistance guarantee provides towing and logistical support but does not include a replacement vehicle.

[60] Driver accident: Optional ↩

Indemnifies the insured for accidents suffered while driving the vehicle identified in the policy, resulting in death or permanent disability, including accidents suffered while getting in/out of the vehicle, refuelling, checking levels, or performing emergency operations after a breakdown/accident. The overall death/disability sum insured is set in the individual policy. A sub-limit of €500 per policy year applies to reimbursement of medical expenses incurred within 120 days of the indemnifiable accident. No indemnity is paid if permanent disability is 4% or less of total. Excludes drivers over 80 years old, unlicensed drivers, participation in races/competitions, alcoholism, drug/psychotropic abuse, and specific mental conditions.

ITAS Mutua indennizza l’assicurato per gli infortuni subiti durante la guida del veicolo identificato in polizza, che abbiamo come conseguenza la morte o un’invalidità permanente.

[61] Own damage: See details ↩

No general collision/own-damage (kasko) guarantee for boats was found in the reviewed sources; own-damage protection is limited to the specific Fire/Lightning/Explosion and Theft/Robbery guarantees described separately.

[62] Total loss: Optional ↩

Within the optional Fire and Theft/Robbery guarantees, a boat is treated as a total loss ("relitto") when repair costs exceed 80% of its value at the time of loss; the insured sum is fixed in the policy schedule (Scheda di Polizza), not in the general terms.

[63] Partial loss: Optional ↩

Optional guarantee covering direct material damage to the boat (engine/s and/or hull) from fire, lightning, explosion or burst of the fuel system, available only for boats with inboard marine engines or registered boats; the insured amount is fixed in the policy schedule.

[64] Theft & robbery: Optional ↩

Optional guarantee reimbursing theft or robbery of the boat (marine engine/s and/or hull), also operative for theft/robbery of the hull or engine alone; available only for boats with inboard marine engines or registered boats. A 20% uninsured excess (scoperto) applies if the theft occurred via theft of keys/electronic devices with skill (destrezza) or from within a dwelling, unless a higher excess is set in the policy schedule.

[65] Glass damage: See details ↩

No glass-damage guarantee is referenced in the reviewed sources for this boat insurance product.

[66] Natural perils: See details ↩

No specific natural-perils/weather-event guarantee (separate from Fire) is referenced in the reviewed sources.

[67] Vandalism: See details ↩

No dedicated vandalism guarantee is referenced in the reviewed sources for this boat insurance product.

[68] Roadside assistance: See details ↩

No assistance (soccorso) guarantee is referenced in the reviewed sources for the Natanti HDI product.

[69] Replacement vehicle: See details ↩

No replacement-boat guarantee is referenced in the reviewed sources for this product.

[70] Driver accident: Optional ↩

Optional guarantee covering the boat operator for accidents (death or permanent disability) sustained during navigation, including embarkation/disembarkation if performed in an adequate location; death and permanent-disability indemnities are not cumulative, and a deductible (franchigia) expressed as a percentage of permanent disability applies below a 3% threshold. The insured sum is set in the policy schedule.

[71] Own damage: Excluded ↩

Not covered. Nobis Bike's Corpi Veicoli Terrestri (CVT) package for this product only includes Furto (theft), Incendio (fire) and the linked Ricorso Terzi da Incendio guarantees; there is no coverage for accidental damage, collision, or other own-damage events not arising from fire or theft.

[72] Total loss: Optional ↩

Indemnifies total loss of the vehicle due to theft/robbery without recovery within 60 days, or fire/explosion causing damage equal to or exceeding 80% of the vehicle's commercial value. Settlement is based on commercial value (Dueruote listings) at the time of loss; if the total loss from fire or theft occurs within 12 months of the vehicle's first registration, settlement is based on the 'as-new' value instead, subject to the insured value declared in the policy.

Per danno totale si intende la perdita del veicolo in caso di: furto o rapina del veicolo non seguiti dal ritrovamento dello stesso; eventi fra quelli assicurati che determinano al veicolo danni di importo pari o superiore all'80% del valore commerciale dello stesso al momento del sinistro.

[73] Partial loss: Optional ↩

Indemnifies partial damage to the vehicle from theft/attempted theft or fire not amounting to total loss (below 80% of commercial value). If repaired within the Rete Convenzionata and the vehicle is under 7 years old, parts are reimbursed without wear-and-tear deduction; otherwise commercial value net of wear-and-tear (degrado) applies, net of the applicable deductible.

Nel caso in cui il veicolo fosse riparato utilizzando la Rete Convenzionata, per quanto riguarda i pezzi di ricambio, resta inteso che l'indennizzo, per danni occorsi entro i prime sette (7) anni di età del veicolo, verrà determinato senza dedurre il deprezzamento dovuto ad usura, vetustà e/o degrado.

[74] Theft & robbery: Optional ↩

Covers material and direct damage to the insured vehicle (including accessories) from theft or robbery, consummated or attempted, and damage from unauthorized use following the theft/robbery. A minimum deductible of 20% (min €750) applies for vehicles over 50cc; 25% (min €1,000) for vehicles up to 50cc. A separate €250 deductible applies to theft of unsecured goods left inside the vehicle. Theft limited to the satellite navigation/multimedia system is capped at €7,500 per event per year. Purchasable only as a package together with Incendio and Ricorso Terzi da Incendio.

In caso di furto consumato o tentato di cose non assicurate che si trovino all'interno del veicolo, l'Impresa indennizza all'assicurato, previa detrazione di una franchigia pari a Euro 250,00, i danni materiali e diretti arrecati al veicolo in garanzia.

[75] Glass damage: Excluded ↩

Not covered. Nobis Bike CVT does not include a standalone glass-breakage guarantee; glass damage is only indemnifiable if it results from a covered fire or theft event.

[76] Natural perils: Excluded ↩

Explicitly excluded under art. 3.5(i): damage from whirlwinds, hurricanes, floods, storm surges, landslides, snow, hail, earthquakes, volcanic eruptions or other natural calamities is excluded from all CVT guarantees.

trombe d'aria, uragani, inondazioni, alluvioni, mareggiate, frane, neve, grandine, terremoti ed eruzioni vulcaniche.

[77] Vandalism: Excluded ↩

Explicitly excluded under art. 3.5(h): vandalism and malicious acts in general, popular uprisings, strikes, riots, acts of terrorism or sabotage are excluded from all CVT guarantees.

atti vandalici e dolosi in genere, tumulti popolari, scioperi, sommosse, atti di terrorismo o sabotaggio;

[78] Roadside assistance: Optional ↩

Optional accessory guarantee providing 24/7, 365-day breakdown/accident/fire/theft roadside towing, spare-parts shipment abroad, hotel costs (€300/event), passenger repatriation/onward travel (€500/event), taxi (€100), vehicle transport/repatriation (€2,500), and non-emergency ambulance transport (up to 200km, once per year, Italy only). Reachable on 800.894147 (Italy) or +39.039.9890.720 (abroad); requires separate premium.

L'assicurato potrà telefonare alla Struttura Organizzativa componendo il numero verde 800.894147; dall'estero è possibile contattare la Struttura Organizzativa componendo il numero telefonico +39.039.9890.720

[79] Replacement vehicle: Excluded ↩

Not covered. No replacement-vehicle benefit appears anywhere in the Nobis Bike product documentation.

[80] Driver accident: Optional ↩

Optional guarantee (valid only for Motocicli, Motocarrozzette, Tricicli and Quadricicli — not mopeds) covering the driver for accidents while riding, from mounting to dismounting. Provides a permanent-disability benefit (with an absolute 5% deductible on the assessed degree of invalidity) up to the declared insured capital ('Valore Assicurato'), and a death benefit equal to the insured capital if death occurs within 2 years of the accident. Can be extended to passengers and to medical-expense reimbursement.

La garanzia è operante dal momento in cui il conducente sale a bordo del veicolo sino al momento in cui ne discende. Le garanzie prestate da NOBIS Compagnia di Assicurazioni S.p.A. nei limiti dei valori assicurati riguardano: l'invalidità permanente, con franchigia fissa ed assoluta del 5%; la morte.

[81] Own damage: Optional ↩

Optional guarantee indemnifying material and direct damage to the vehicle from collision with other vehicles, impact with fixed/mobile obstacles or animals/people, running off the road, overturning, road/bridge damage, ground subsidence, building collapse, falling trees or rocks, and vehicle transport. Extended to gross negligence and to drivers who passed the driving test but are awaiting licence issue (within 180 days) or driving with an expired licence renewed within 180 days. Indemnity is based on the vehicle's commercial value at the time of loss (per Quattroruote quotation), up to the insured value shown in the policy, less any deductible/uncovered amount.

La Società indennizza l’Assicurato per i danni materiali e diretti subiti dal Veicolo indicato in Polizza a seguito di collisione con altri veicoli, urto contro ostacoli fissi o mobili compreso l’urto con animali e con persone, uscita di strada, ribaltamento, rottura di ponti e di strade, cedimento del terreno e rovina di edificio, caduta di alberi o di sassi, trasporto del Veicolo con qualunque mezzo purché identificato.

[82] Total loss: 80% of insured sum ↩

A loss is treated as 'Danno Totale' (total loss) when the vehicle is lost without recovery, or when repair costs equal or exceed 80% of the insured value (vehicle plus non-standard accessories). Indemnity is capped at the insured value and based on the commercial value determined by Quattroruote at the time of purchase (if loss occurs within 1 year of first registration) or at the time of the claim (if later).

La Società considera “Danno Totale” la perdita del Veicolo assicurato senza ritrovamento o il danno le cui spese di riparazione sia- no pari o superiori all’80% del Valore assicurato e degli Accessori aggiuntivi non di serie.

[83] Partial loss: Optional ↩

Where the loss does not meet the 'total loss' threshold, Linear indemnifies the cost of repairs/replacements needed to restore the vehicle, taking into account wear-and-use depreciation (not applied to labour costs), up to the insured value, less any deductible/uncovered amount applicable to the relevant guarantee.

La Società riconosce l’importo relativo al “Danno Parziale”, determinato dal costo delle riparazioni e/o sostituzioni necessarie al ripristino del Veicolo indicato in Polizza, tenendo conto del Degrado d’uso.

[84] Theft & robbery: Optional ↩

Optional guarantee (bundled with Fire) indemnifying total/attempted theft and robbery of the vehicle, damage caused to the vehicle during the theft/robbery attempt to remove accessories or items inside it, and damage during unlawful possession following theft/robbery. Extended sub-limits: reinstatement of garage/box premises up to €10,000 per insurance year; theft of non-standard multimedia devices up to €1,250 per claim; vehicle custody/impound costs ordered by authorities up to €500 per claim. Deductible: 10% to 20% of the loss with a minimum uncovered amount of €250 to €450 per claim (halved if repaired via the UnipolService network).

La garanzia è estesa ai danni da incendio causati da atti dolosi di terzi ed alle spese sostenute per il ripristino del locale adibito a box fino ad un massimo di € 10.000.

[85] Glass damage: €500 – €1,500 ↩

Optional guarantee reimbursing the cost of replacing/repairing windscreen and cabin glass damaged or broken due to accidental causes, third-party acts, or natural events, including sensor recalibration. If repaired at a 'UnipolGlass' affiliated centre, indemnity is provided 'in forma specifica' up to €1,500 per claim with no deductible. If repaired at a different centre, indemnity is capped at €500 per claim with a €150 per claim deductible. Not payable if the loss is already indemnifiable under another guarantee in the policy (e.g. hail damage to glass, excluded here).

Qualora l’Assicurato utilizzi il centro cristalli “UnipolGlass” la garanzia è prestata nella forma dell’“Indennizzo in Forma Specifica”, in virtù del quale la Società si assume sia l’onere di riparare direttamente il Veicolo danneggiato che le spese necessarie alla riparazione o sostituzione dei cristalli fino alla concorrenza di € 1.500 per Sinistro.

[86] Natural perils: Optional ↩

Optional guarantee indemnifying material and direct damage from flooding, storms, tsunamis, hail, landslides, avalanches, whirlwinds, hurricanes, volcanic eruption and earthquake, extended to gross negligence. Hail claims are settled 'in forma specifica' only through the 'Network specializzato grandine di UnipolService'; no indemnity is paid if repaired elsewhere or not repaired. Deductible: 10% to 20% of the loss with a minimum uncovered amount of €250 to €450 per claim (halved if repaired via UnipolService).

A parziale deroga dell’Art. 3.2 delle Condizioni di assicurazione la Società indennizza l’Assicurato per i Danni materiali e diretti subiti dal Veicolo indicato in Polizza in conseguenza di: allagamento, alluvione, inondazione, bufera, caduta di alberi o sassi, caduta di ghiaccio, eruzione vulcanica, frana, mareggiata, maremoto, pressione della neve tempesta, slavina, smottamento del terreno, terremoto, tromba d’aria, uragano e cose da essi trasportate, valanga.

[87] Vandalism: Optional ↩

Optional guarantee indemnifying material and direct damage caused by riots, strikes, civil commotion, terrorism, sabotage and acts of vandalism. Except for total loss, indemnity is limited to repair costs actually incurred and evidenced by invoices. Not operative for damage occurring while the insured/contractor/driver took an active part in the socio-political event. Deductible: 10% to 20% with a minimum uncovered amount of €250 to €450 per claim.

La Società, salvo il caso di “Danno Totale”, riconosce l’Indennizzo per le sole spese di riparazione sostenute e comprovate dalla relativa documentazione fiscale.

[88] Roadside assistance: Conditional ↩

Optional guarantee, but automatically included if the Linear Autobox telematics device is installed under the 'Formula a Km' tariff option. Provides 24/7 immediate-aid services via UnipolAssistance for breakdown, accident, theft/robbery, flat tyre, glass breakage, running out of/wrong fuel, dead battery (including BEV traction battery) etc.: mobile workshop repairs, off-road recovery (up to €500/event), immediate towing (up to €600/event), long-distance towing (up to €500/event), replacement car, taxi service (up to €50 and 2 trips/claim, max 3 times/year), unexpected overnight stay (up to €500/event, 3 nights), vehicle recovery travel, spare-parts dispatch, driver dispatch, ambulance (up to 200 km), transfer to hospital, family member's travel (up to €250/event), and cash advances (up to €1,500 for vehicle repair, €500 for unforeseen needs, €3,000 for medical expenses).

In caso di guasto, Incidente conseguente alla circolazione, Incendio, Furto - totale o parziale, tentato o consumato, Rapina, foratura degli pneumatici, perdita o rottura delle chiavi o dei dispositivi elettronici di apertura delle porte, mancanza di carburante, rifornimento con errato tipo di carburante, congelamento carburante, rottura cristalli, Atti di vandalismo, nevicata, accumulatore (batteria) o batteria da trazione veicoli ad alimentazione esclusivamente elettrica (Battery Electric Vehicle) scarichi, che rendano il Veicolo indisponibile o inutilizzabile, la Società, per il tramite della Centrale operativa, eroga le seguenti Prestazioni di assistenza

[89] Replacement vehicle: Optional ↩

Part of the Roadside Assistance guarantee: rental of a replacement car (1300-1600 cc) with unlimited mileage, starting within one month of the event, for up to 30 consecutive days in case of total theft/robbery, or 7 consecutive days in other cases when the vehicle is taken to the Society's affiliated repair network; reduced to 3 consecutive days if repaired at a non-affiliated centre (only if the centre certifies unavailability for more than 24 hours).

Noleggio di un’autovettura sostitutiva, di cilindrata compresa fra 1300 e 1600 centimetri cubici, a partire dalla data indicata dall’Assicurato, purché entro un mese dalla data dell’evento, fino ad un massimo di: 30 giorni consecutivi, in caso di Furto totale o Rapina del Veicolo; 7 giorni consecutivi, in tutti gli altri casi.

[90] Driver accident: €50,000 – €100,000 ↩

Optional guarantee indemnifying accidents suffered by whoever is driving the insured vehicle, in connection with circulation, including boarding/alighting and roadside breakdown operations. Two selectable sums insured for each of: Death (€50,000 or €100,000) and Permanent Disability (€50,000 or €100,000, with a 3% deductible up to 19% disability and no deductible above 19%; 100% of the sum insured paid for disability of 51% or more). Medical expenses are not reimbursed under this guarantee. Worldwide territorial scope.

Le garanzie prestate sono: - Morte (due massimali a scelta: € 50.000 e € 100.000); - Invalidità Permanente (due massimali a scelta: € 50.000 e € 100.000);

[91] Own damage: 100% of insured sum ↩

Kasko Completa indemnifies material and direct damage to the insured vehicle from collision with another vehicle, collision with fixed/mobile obstacles, rollover or road exit, up to the vehicle's commercial value at the time of loss, applying the deductible stated in the policy schedule; the Super tier applies wear deduction (degrado d'uso) only after 5 years from first registration. A narrower, cheaper option, Kasko Collisione (mini kasko), covers only collision with an identified third-party motor vehicle, up to €3,000 (Base) or €5,000 (Super) per claim/insurance year, with a fixed deductible of €250 (Base) or €200 (Super); it excludes rollover, road exit and collision with obstacles.

[92] Total loss: 100% of insured sum ↩

In case of Total Loss (damage equal to 100% of the vehicle's value at the time of loss per Quattroruote Professional/Infocar) or Total Theft under the purchased Danni Diretti al Veicolo guarantees (Furto e Incendio, Kasko Completa, Kasko Collisione, etc.), indemnity is paid up to the vehicle's commercial value. Valore a nuovo (replacement value) generally applies if the loss occurs within 6 months of first registration, or within 2 years specifically for the Furto e Incendio Super tier, in both cases with no deductible for the Super tier.

[93] Partial loss: Optional ↩

For partial-damage claims under the Danni Diretti al Veicolo guarantees, indemnity is reduced by an age-based wear deduction applied to the cost of replaced parts. Under the Base tier, the deduction starts at 5% after 6 months and rises to 50% after 5+ years; under the Super tier it is 0% up to 4 years, then 30% (5 years), 40% (6 years) and 45% (7+ years).

[94] Theft & robbery: 100% of insured sum ↩

The Base tier indemnifies material/direct damage from total or attempted theft, robbery, fire, explosion/burst of the fuel system, and lightning strike, applying the deductible and minimum stated in the policy schedule (typically 10% of the damage, minimum €200). The Super tier removes the deductible entirely for total damage or total theft and pays replacement value if the loss occurs within 2 years of first registration; for partial damage, wear deduction applies only after 5 years. Cover operates up to the vehicle's commercial value.

[95] Glass damage: €600 – €1,000 ↩

The Base tier indemnifies breakage/chipping of windscreen, rear window and side windows from accidental causes or third-party acts, including ADAS recalibration costs, up to 20% of insured value with a €600 cap per claim/year, with a fixed €200 deductible for repair or replacement (waived for repair, reduced to €50 for replacement, at an affiliated Vetrocar/La clinica del parabrezza center). The Super tier raises the limit to the full insured value (max €600, or €1,000 at an affiliated center), with the same deductible rules.

[96] Natural perils: — ↩

The Base tier indemnifies material/direct damage from windstorms, wind-borne objects, hurricanes, floods, hail, avalanches, snow/ice fall, cyclones, typhoons, landslides and meteorite falls (verified by the nearest weather station and affecting multiple vehicles), applying a fixed €500 deductible up to a €1,250 cap; the deductible drops to €100 and the cap rises to the full insured value if repaired at an affiliated hail-repair center (Dottor Grandine / Maestri della Grandine / Lever Touch), if no such center exists within 25 km of the insured's residence, or if the damage is not caused by hail. Glass damage occurring together with bodywork damage is covered up to 20% of insured value (max €600), with reduced or no deductible at Vetrocar/La clinica del parabrezza. The Super tier applies wear deduction only after 5 years and raises the combined-glass sublimit to €1,000 at affiliated centers.

[97] Vandalism: €3,000 – €5,000 ↩

The Base tier indemnifies material/direct damage from riots, strikes, civil commotion, terrorism and willful damage, up to 50% of insured value with a €3,000 cap, applying a fixed €500 deductible. The Super tier raises the cap to €5,000 (still 50% of insured value) with the deductible reduced to €250, except arson, which is covered up to the full insured value with the same €250 deductible; wear deduction applies only after 5 years for partial damage.

[98] Roadside assistance: Optional ↩

The Base tier (Italy, San Marino, Vatican City) provides towing up to 50 km (round trip), on-site minor repairs within 30 minutes (including flat tyres), and return/continuation of journey or hotel stay up to a combined €250 if the vehicle is immobilized more than 50 km from the insured's residence (off-road recovery reimbursed up to €200). The Super tier extends coverage to the EU/EEA, Switzerland, UK etc., adds fuel/battery/snow-chain call-outs, a taxi service (up to €50), a replacement vehicle, minors' assistance abroad, vehicle repatriation (up to €1,000), linguistic assistance abroad (up to €300) and spare-parts shipping abroad. The Premium tier extends the towing radius to 100 km and allows up to three events per year (versus one for Base/Super).

[99] Replacement vehicle: Optional ↩

Included within the Super/Premium tiers of Assistenza Stradale: a replacement car (up to 1,300 cc) is provided for up to 3 days in case of breakdown requiring more than 8 hours' labour, up to 7 days in case of accident/fire/attempted theft requiring more than 8 hours' labour, and up to 30 days in case of total theft. Also available via the 'Ripara Prima' direct-repair option and through Prima's affiliated repair network for Kasko and Furto e Incendio claims.

[100] Driver accident: €50,000 – €100,000 ↩

The Base tier indemnifies death or permanent disability of the driver resulting from the vehicle's circulation (including while stationary or in case of sudden illness), up to the selected sum insured (€50,000 or €100,000), with permanent disability paid above a 3% deductible. The Super tier adds medical expense reimbursement up to €1,000 per claim/year (€200 deductible) and veterinary surgery reimbursement for a transported dog/cat up to €1,000 per claim/year; the €100,000 option also covers pet medical expenses. Indemnity is reduced to 70% of the sum insured if safety restraints were not used (disability deductible rises to 5% in that case). Drivers over 80 years of age are excluded.

[101] Own damage: Optional ↩

Covers material and direct damage to the insured vehicle resulting from collision, impact, road exit and rollover occurring during circulation in public or private areas. The guarantee also includes the benefits of the 'Veicoli non assicurati' and 'Collisione' guarantees. The maximum amount is the sum insured shown in the policy schedule (list price for new vehicles, Quattroruote market value for used vehicles).

La garanzia copre i danni materiali e diretti cagionati al veicolo assicurato, a seguito di collisione, urto, uscita di strada e ribaltamento. La garanzia comprende le prestazioni previste dai precedenti paragrafi "Veicoli non assicurati" e Collisione.

[102] Total loss: Optional ↩

If total loss occurs within 6 months of first registration, the indemnity equals the purchase price of the vehicle; if it occurs later, the indemnity equals the vehicle's commercial value at the time of the claim, net of the salvage value.

in caso di perdita totale se il sinistro si verifica nei 6 mesi dalla data di prima immatricolazione del veicolo, l'ammontare del danno è pari al prezzo d'acquisto del veicolo. Se la perdita totale si verifica dopo, l'ammontare del danno è determinato dal valore commerciale al momento del sinistro tolto l'eventuale importo del relitto

[103] Partial loss: Optional ↩

In case of partial damage, the amount of the loss is equal to the cost of repairing or replacing the damaged parts, net of the wear-and-tear reduction ('degrado'), unless the loss occurs within 6 months of first registration.

in caso di danno parziale l'ammontare del danno è pari al costo di riparazione o di sostituzione delle parti danneggiate o sottratte, con l'applicazione del degrado.

[104] Theft & robbery: Optional ↩

Theft and robbery are not covered by the Kasko guarantee itself; they are covered by the separate optional 'Incendio e Furto' guarantee, which can be purchased alongside Kasko within the same policy.

La garanzia copre i danni materiali e diretti arrecati al veicolo assicurato da: incendio, scoppio o esplosione dell'impianto di alimentazione; furto (consumato o tentato) e rapina.

[105] Glass damage: Optional ↩

Covered separately by the optional 'Cristalli' guarantee, not included in Kasko. Repair/replacement at CARGLASS, GLASSDRIVE or VETROCAR networks entails no cost or deductible for repair; a reduced sum insured and increased deductible apply if a non-network repairer is used, per the policy schedule.

La garanzia Cristalli copre le spese sostenute dall'assicurato per riparare/sostituire i cristalli del veicolo assicurato a seguito di rotture accidentali.

[106] Natural perils: Optional ↩

Covered separately by the optional 'Eventi Naturali' guarantee (hail, storm, flood, landslide, etc.), not included in Kasko; excludes earthquake and volcanic eruption; limited to 1 claim per insurance year.

La garanzia copre fino al massimale riportato sulla scheda di polizza i danni materiali e diretti al veicolo assicurato da: grandine, uragano, bufera, tempesta, vento e cose da esso trascinate, tromba d'aria...

[107] Vandalism: Optional ↩

Covered separately by the optional 'Atti Vandalici' guarantee, not included in Kasko; limited to 1 claim per insurance year.

La garanzia copre danni materiali e diretti arrecati al veicolo assicurato in occasione di atti di vandalismo.

[108] Roadside assistance: Optional ↩

Separate optional guarantee (Base and Top tiers) not part of Kasko. Base includes on-site repair (dépannage), towing (up to €150 per claim), difficult recovery (up to €200) and an escort service (up to €50); Top adds hotel expenses (€75/night, max €250 per claim), return travel, spare-parts shipment abroad (up to €600) and vehicle repatriation (up to €1,000). Limited to 2 claims per insurance year.

L'Impresa terrà a carico i costi entro il limite di euro 150 per sinistro.

[109] Replacement vehicle: Conditional ↩

Available only within the paid 'Soccorso Stradale' TOP tier (not part of Kasko itself). A substitute vehicle (1,600 cc, unlimited mileage, compulsory RCA insurance included) is provided for a maximum of 3 days when the repair requires more than 4 hours of actual labour, or when the assistance point is closed at the time of the claim (night/holiday).

AXA Partners Italia fornisce all'assicurato un'auto a noleggio, al massimo di categoria di 1.600cc "Compact", se il veicolo assicurato richiede un tempo di riparazione superiore a 4 ore o se al momento del sinistro il punto di assistenza è chiuso (notturno e festivo).

[110] Driver accident: €100,000 ↩

Separate optional guarantee, not part of Kasko: indemnifies death or permanent disability of the driver resulting from an accident during circulation of the insured vehicle, up to a maximum of €100,000. No indemnity for permanent disability of 3% or less (5% if the seatbelt was not worn at the time of the accident).

QUIXA si obbliga, alle condizioni che seguono, a indennizzare gli infortuni, avvenuti durante la circolazione del veicolo assicurato, che determinano la morte o l'invalidità permanente del conducente del veicolo assicurato... fino a un massimale di € 100.000.

[111] Own damage: 100% of insured sum ↩

Kasko covers material and direct damage to the insured vehicle from collision with other vehicles, impact with fixed or mobile obstacles (including persons and animals), leaving the road, overturning, falling trees/stones and similar events, indemnified on a Valore commerciale basis (capped by the insured sum). For cars, mixed-use vehicles and taxis, Kasko Base applies only to the first claim reported per insurance year; Kasko Plus removes this limitation and covers gross negligence without restriction. For BEV/PHEV vehicles, charging equipment (mobile cable/charger and fixed wallbox) is covered up to €800 per claim/year.

[112] Total loss: 100% of insured sum ↩

Total loss is loss of the vehicle without recovery, or damage where repair costs equal or exceed 80% of the vehicle's commercial value. Indemnity is based on commercial value at the time of loss (Quattroruote/Dueruote listings, or Eurotax if unlisted), net of salvage value, capped by the insured sum. Under the Valore bloccato option (available with Kasko Plus/Mini Kasko Plus), if total loss occurs within 2 years of first registration, indemnity is based on the purchase/invoice value instead of the depreciated commercial value.

[113] Partial loss: 100% of insured sum ↩

Partial loss (repair costs below 80% of commercial value) is indemnified for repair/replacement costs with wear-and-tear depreciation (Degrado d'uso) applied to spare parts and, for cars, to wheels/tyres after 2 years from first registration (fixed 30%). Under the Proteggi Valore option, no wear deduction applies to labour, and parts depreciation is reduced (30% fixed for wheels after 2 years; 10%/year up to 50% for mechanical parts).

[114] Theft & robbery: 100% of insured sum ↩

Furto Base covers total loss of the vehicle from theft, attempted theft or robbery, indemnified up to the commercial/insured value; Furto Plus extends cover to partial damage. A deductible (scoperto) of 0-20% applies with a minimum non-indemnifiable amount of at least €1,500 per claim. Sub-limits: pannier/topcase up to €400 per claim (€200 topcase/€300 panniers), EV charging cable up to €200 per claim/year. Furto Extra - Appropriazione indebita extends cover to embezzlement.

[115] Glass damage: €600 ↩

Covers windscreen/glass damage from accidental causes, third-party acts or natural events (including hail). If repaired at an UnipolGlass network centre, costs are reimbursed in full with no deductible (10-year warranty on installation defects). If repaired at a non-network centre, cover is capped at €600 per claim with a €200 deductible. For camper plexiglass windows, cover is capped at €600 per claim with a €100 deductible. ADAS sensor recalibration is included.

[116] Natural perils: 100% of insured sum ↩

Covers flood, storm, earthquake, landslide, avalanche, falling trees/ice, hurricane and similar events up to the insured sum. Eventi Naturali Base excludes hail; Eventi Naturali Media covers hail up to a dedicated sum stated in the policy schedule; Eventi Naturali Plus covers hail without a separate sub-limit. A deductible from 10% (min €200) to 20% (min €700) applies; deductibles are eliminated or halved under Riparazione Diretta depending on the repair network used.

[117] Vandalism: 100% of insured sum ↩

Covers damage from riots, strikes, terrorism, sabotage and vandalism up to the insured sum, provided partial damage is actually repaired and supported by tax documentation. EV charging cable damage from vandalism is covered up to €200 per claim/year. A deductible from 10% (min €200) to 20% (min €700) applies; eliminated under Riparazione Diretta if repaired at an UnipolService network workshop.

[118] Roadside assistance: €200 – €3,000 ↩

24/7 roadside assistance (breakdown, accident, theft/fire, flat tyre, lost keys, fuel issues, glass breakage, vandalism, flat battery) via the UnipolAssistance operations centre, active 24 hours a day, every day of the year. Covers on-site repair, recovery from off-road position, and vehicle/passenger transport and towing, with cost ceilings varying by formula and vehicle weight: Assistenza Base transport & custody up to €200-€1,000 per claim; Assistenza Plus up to €600-€3,000; Assistenza Extra Large (cars only) up to €2,000.

[119] Replacement vehicle: Optional ↩

A replacement vehicle (up to 1600cc, unlimited mileage) is provided if repairs require more than 8 hours of certified labour and the request is made within 30 days of the event. Duration: Assistenza Base 3 days (7 days for accidents if the vehicle is taken to a partner repair centre); Assistenza Plus up to 30 days for theft, 7 days standard, 3 days if not repaired at a partner centre; Assistenza Extra Large up to 15 days standard, 30 days for theft. Not provided if the vehicle is disabled/unusable due to hail.

[120] Driver accident: Optional ↩

Covers the driver's death or permanent disability (Base: only if the driver bears total/partial responsibility for the event; Plus: regardless of responsibility) up to the sum insured stated in the policy schedule. A 30% deductible applies if safety devices (seatbelts) were not used; for permanent disability above 95% the indemnity is doubled; for catastrophic natural events the indemnity is 50% of the capital with a further 10% deductible for disability ≤50%. A Supervalutazione futuro protetto clause doubles the indemnity for minor/disabled children if both parents die in the same event, capped at €200,000. Medical expense reimbursement and daily hospitalisation/immobilisation allowances are available as paid extensions.

[121] Own damage: Covered ↩

The Kasko section indemnifies material and direct damage from collision with fixed or moving obstacles (including animals), collision with another vehicle, collision while parked with an unknown vehicle, rollover and road departure occurring on public or private areas, up to the insured sum. This guarantee forms part of the single Base Package together with Fire, Theft/Robbery, Natural Events and Sociopolitical Events/Vandalism, and cannot be purchased separately.

La Società si obbliga ad indennizzare l'Assicurato per i danni materiali e diretti subiti dal veicolo, inclusi gli accessori stabilmente fissati sullo stesso e i pezzi di ricambio, in conseguenza di collisione con altro veicolo, urto contro ostacoli fissi o mobili, ribaltamento o uscita di strada verificatesi durante la circolazione in aree pubbliche o private.

[122] Total loss: Covered ↩

Total loss occurs when the insured vehicle is destroyed/lost, or when repair costs plus wreck value exceed the commercial value of an equivalent vehicle. If total loss occurs within 12 months of first registration, settlement is made at new value with no wear deduction; after 12 months, settlement is based on the 'Eurotax Giallo' value on the date of loss, including optional/non-standard accessories. Registration costs for a replacement vehicle are reimbursed if the new vehicle is insured with the same company.

Sussiste danno totale qualora in seguito ad un evento coperto da assicurazione il veicolo sia stato distrutto o sia andato perduto oppure i costi presumibili delle riparazioni sommate al valore del relitto superino l'importo che il Contraente o Assicurato avrebbe dovuto corrispondere per un veicolo dello stesso tipo e della stessa qualità

[123] Partial loss: Covered ↩

For partial damage, the insurer reimburses repair/replacement costs, spare-parts shipping and transport, and recovery/towing costs to the nearest authorized workshop able to carry out the repair. Deductions for wear depend on vehicle payload and age; repairs at the Scania authorized network with genuine parts benefit from a 50% deductible reduction and no wear deduction (with documented causal link), excluding tarpaulins, batteries, tyres, decals and, for partial theft, lights and bumper/fender trims.

L'Impresa risarcisce i costi del ripristino (riparazione o sostituzione); i costi effettivi per la spedizione e il trasporto delle Parti di ricambio; i costi necessari per il recupero e per il trasporto del veicolo sino all'officina convenzionata più vicina

[124] Theft & robbery: Covered ↩

Covers material and direct damage from total or partial theft (consummated or attempted) and robbery of the vehicle, including damage from unauthorized use following the crime (excluding mechanical parts not directly resulting from collision, impact or rollover), up to the insured sum, net of the policy deductible. If the insured declared a satellite anti-theft tracking device (with a corresponding premium discount) and it was not active or the loss occurred outside its coverage area, an additional 20% excess (minimum €2,500) applies.

La Società indennizza all'Assicurato i danni materiali e diretti derivanti dal furto totale o parziale (consumato o tentato), nonché dalla rapina del veicolo, compresi i danni subiti dal veicolo durante la circolazione abusiva successiva al reato

[125] Glass damage: €2,000 ↩

Optional 'Cristalli' guarantee, available only together with the Base Package, covering accidental breakage and chipping of the windscreen, side windows, rear window and panoramic glass roof, regardless of cause, on a first-loss basis with a sum insured of €2,000 per claim and per insurance year. A €150 deductible per event applies, waived if the repair/replacement is performed at a Scania authorized workshop.

La copertura è prestata con forma di assicurazione a Primo Rischio Assoluto e con un massimale pari a € 2.000,00 per sinistro ed annualità assicurativa.

[126] Natural perils: Covered ↩

Covers material and direct damage from avalanches, accidental snowfall (including from roofs), landslides/ground subsidence, meteorite falls, whirlwinds, hurricanes, hail, windstorms, floods, cyclones and typhoons, including damage from objects thrown by such events, up to the sum insured applicable to the Theft guarantee.

Eventi naturali - Permette di assicurare il proprio veicolo per i danni materiali e diretti subiti in conseguenza di: slavine, caduta accidentale della neve anche dai tetti, frane e/o smottamento di terreno, caduta di meteoriti, trombe d'aria, uragani, grandine, tempeste di vento e cicloni.

[127] Vandalism: Covered ↩

Covers material and direct damage from popular riots, strikes, uprisings, acts of terrorism, sabotage and vandalism, up to the sum insured applicable to the Theft guarantee.

Eventi sociopolitici ed Atti vandalici - Permette di assicurare il proprio veicolo per i danni materiali e diretti subiti in conseguenza di: disordini, tumulti popolari, scioperi, sommosse, atti di terrorismo, sabotaggio e atti di vandalismo.

[128] Roadside assistance: €7,500 ↩

In case of total loss, rescue and recovery costs are covered up to €2,500, raised to €7,500 if the policyholder contacts Scania Assistance (24/7 line). In case of partial damage, recovery/towing costs to the nearest authorized workshop are covered up to €2,500, raised to €7,500 via Scania Assistance. Repatriation costs from abroad follow the same €2,500/€7,500 limits.

In caso di perdita totale, le spese di salvataggio e di soccorso fino a € 2.500,00 sono coperte senza premio addizionale. Tale limite viene elevato ad € 7.500,00, qualora il Contraente si rivolga a Scania Assistance

[129] Replacement vehicle: Excluded ↩

The Kasko section explicitly excludes indemnity for loss of use of the vehicle or costs of a replacement/substitute vehicle, as well as other consequential/indirect damages. A separate 'traslazione della garanzia' clause allows the CVT cover to be temporarily transferred to a substitute vehicle used by the policyholder during repairs, but this is not a rental/replacement-vehicle indemnity.

relativi a modifiche, miglioramenti, riparazioni di pezzi soggetti ad usura, deprezzamento, modifiche all'aspetto esterno del veicolo o alle sue prestazioni, perdita di utilizzo o costi per veicolo sostitutivo

[130] Driver accident: Optional ↩

Optional guarantee covering death or permanent disability of the driver resulting from an accident while driving the insured vehicle, restricted to duly licensed drivers aged up to 75. Sub-limits apply within the guarantee: no indemnity for permanent disability of 5% or less (only the excess above 5% is paid); medical expenses reimbursed up to €3,000 per event/year net of a €150 deductible; rescue/recovery costs and repatriation expenses reimbursed up to €2,500 for disability exceeding 5%.

La garanzia infortuni del conducente (nei limiti delle somme assicurate e al netto delle franchigie indicate in polizza) è prestata per gli infortuni che determinino la Morte o Invalidità Permanente da infortunio, del conducente

[131] Own damage: Optional ↩

Indemnifies material damage directly suffered by the insured vehicle from impact, overturning, running off the road or collision occurring during circulation, within the declared insured value (valore assicurato); this guarantee can only be activated together with the compulsory motor liability (RCA) cover.

La SOCIETÀ indennizza i danni materiali direttamente subiti dal VEICOLO assicurato, derivanti da urto, ribaltamento, uscita di strada o COLLISIONE, verificatisi durante la circolazione.

[132] Total loss: €3,000 – €5,000 ↩

When the vehicle is a total loss (damage equal to or exceeding its commercial value), the indemnity is based on the commercial value quoted by Quattroruote magazine for the month of the loss, within the insured value. The optional 'Collisione a Perdita Totale' guarantee additionally covers the insured's own share of liability in an RCA direct-settlement claim: up to €5,000 if fully liable, or up to €3,000 if partially liable (cumulated with the RCA direct-settlement payment), always within the vehicle's commercial value.

COLLISIONE A PERDITA TOTALE, in caso di responsabilità totale dell'ASSICURATO € 5.000,00 per SINISTRO ... COLLISIONE A PERDITA TOTALE, in caso di responsabilità parziale dell'ASSICURATO € 3.000,00 per SINISTRO (che si cumulerà con quanto risarcito ai sensi dell'articolo 149 del CAP tramite RISARCIMENTO DIRETTO)

[133] Partial loss: Optional ↩

Partial damage is indemnified based on the cost of repair or replacement of the damaged/stolen parts. Unless the optional 'Clausola Degrado Predefinito' is purchased, a wear-and-tear reduction (degrado) proportional to the ratio between the vehicle's commercial value and its new-purchase price is applied to newly supplied parts. If purchased, the Clausola Degrado Predefinito fixes the degrado on a published schedule by months since first registration: 0% for months 1-6, 15% for 7-12, 20% for 13-18, 25% for 19-24, 30% for 25-36 and 35% for 37-48 months.

Il danno parziale è dato dal costo delle riparazioni o delle sostituzioni delle parti danneggiate o sottratte. Sulle parti di nuova fornitura sostituite a causa del SINISTRO, si opererà una riduzione nella stessa proporzione esistente fra il valore attribuito al VEICOLO con le modalità sopra riportate e il prezzo di acquisto a nuovo del VEICOLO al momento del SINISTRO.

[134] Theft & robbery: Optional ↩

Indemnifies material damage from theft or robbery (attempted or completed) of the insured vehicle, including circulation damage consequent to the theft/robbery, within the declared insured value; can only be activated together with the Fire (Incendio) guarantee. Non-original audio/video equipment is covered up to 15% of the total sum insured for the vehicle.

In aggiunta alla garanzia "Incendio", è possibile sottoscrivere e attivare anche la garanzia "Furto" operante per i danni derivanti da: furto o rapina (siano questi consumati o solo tentati), compresi i danni causati al VEICOLO nell'esecuzione o in conseguenza del furto o rapina dello stesso e i danni da circolazione conseguenti al furto o alla rapina.

[135] Glass damage: €500 – €2,000 ↩

Reimburses the cost of repairing or replacing broken glass (windscreen, rear window, panoramic glass roof, side windows) following accidental breakage; requires the Fire and Theft guarantees to be active. Tier 'Cristalli': up to €700 per claim/year if repaired at a Vittoria-affiliated body shop or specialist glass centre, or up to €500 with a €300 deductible otherwise. Tier 'Cristalli Elite': up to the full insured value for Fire and Theft (max 2 claims/year) at affiliated centres, or up to €2,000 (max 1 claim/year, €300 deductible) otherwise.

CRISTALLI € 700,00 per SINISTRO ed anno assicurativo ... € 500,00 per SINISTRO ed anno assicurativo. CRISTALLI ELITE Pari, per ciascun SINISTRO, al VALORE ASSICURATO per la garanzia "Incendio" e "Furto" (massimo due SINISTRI per anno assicurativo) ... € 2.000,00 per SINISTRO (massimo un SINISTRO per anno assicurativo)

[136] Natural perils: Optional ↩

Indemnifies material damage caused by volcanic eruptions, earthquakes, whirlwinds, hurricanes, floods, landslides, ground subsidence, avalanches, hail, snowfall and falling objects of any kind, within the insured value; can only be activated together with Fire and Theft. An excess of 10% (minimum €300) applies if repaired at an affiliated body shop, or 15% (minimum €600) otherwise.

La SOCIETÀ rimborsa ... i danni materiali direttamente subiti dal VEICOLO assicurato, causati da eruzioni vulcaniche, terremoti, trombe d'aria, uragani, alluvioni e inondazioni, frane, smottamenti del terreno, valanghe, grandine, caduta neve, previa presentazione di valido documento fiscale comprovante la riparazione e nel limite del VALORE ASSICURATO.

[137] Vandalism: €1,500 – €20,000 ↩

Indemnifies material damage from riots, strikes, terrorism, sabotage and vandalism; can only be activated together with Fire and Theft. Tier 'Atti Vandalici New': up to €2,000 per claim/year if the loss occurs within 3 years of first registration, or up to €1,500 beyond 3 years, within the insured value, with no deductible/degrado (except tyres). Tier 'Atti Vandalici Top': up to the insured value for Fire and Theft, capped at €20,000 per claim and at the lesser of the insured or commercial value, with a 20% excess (minimum €1,500) if not repaired at an affiliated body shop.

ATTI VANDALICI TOP VALORE ASSICURATO per la garanzia "Furto", fino ad un massimo di € 20.000 per SINISTRO e in ogni caso nei limiti del minore tra il VALORE ASSICURATO e il valore commerciale del VEICOLO al momento del SINISTRO

[138] Driver accident: Optional ↩

Covers accidental injury suffered by the driver while driving the insured vehicle, for the cases of death, permanent disability, hospitalisation and reimbursement of medical expenses, up to the sums shown on the policy schedule; for private-use cars it can be extended to passengers under the 'sulla targa' form.

Sono coperti gli infortuni subiti dal conducente durante la circolazione dei Veicoli assicurati. Sono assicurati i casi: "morte", "invalidità permanente", "ricovero" e "rimborso spese sanitarie".