Allianz S.p.A.
Allianz
Allianz is a motor casco insurance for the Italy market with no online purchase and 24/7 assistance.
Direct payment
For glass damage repaired at partner centers (Carglass, Doctor Glass, Glassdrive, Vetrocar), Allianz pays the bill directly and the deductible is set to zero; the online quote is completed with purchase finalized at the nearest Allianz agency.
Geographic scope
Italy, Vatican City and San Marino
Assistance and vehicle replacement services are valid in Italy, Vatican City and San Marino; core Kasko own-damage cover applies to the insured vehicle as described in the policy conditions.
Unique selling points
- New-value indemnity on the vehicle and its components, including the traction battery, up to the third year from first registration — even in cases of partial fault, a protection described as unique on the market.
- Dedicated SOS Recharge assistance dispatches a fast-charge equipped vehicle or a certified EV tow truck when the car runs out of battery.
- Cyber-attack protection reimburses damage from hacking that blocks the anti-theft system, navigation or other onboard software, up to €1,000 per claim.
- Coverage extends to owned EV charging infrastructure — home wallbox, cables and portable charger — against theft, fire, vandalism and natural events, up to €600 per claim.
- An optional deductible-removal rider pays claims in full, with no excess, on Vandalism, Natural/Sociopolitical Events, Imprevisti da Circolazione and Kasko once the damage exceeds the deductible.
Coverage limits
Kasko (Own Damage) Cover
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).
New Value Indemnity on Total Loss
100% of insured sum
Only in Kasko limitata a collisione, Kasko completa
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.
Partial Damage Cover (Kasko)
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.
Theft and Robbery Cover
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.
Glass Breakage Cover
€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.
Natural and Sociopolitical Events Cover
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.
Vandalism Cover
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.
Roadside Assistance (Assistenza Lithium)
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.
Replacement Vehicle after Theft
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).
Driver Accident and Medical Expenses (Macro-lesions)
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.
Key conditions
Driver age and experience limit
Not specified in the available sources.
Repair network requirements
In case of breakdown or accident, the insured can use Allianz-certified bodyshops for electric vehicles, or alternatively choose to have the vehicle transported to the nearest authorized manufacturer service center; glass repairs are handled by the Carglass, Doctor Glass, Glassdrive and Vetrocar partner network with direct payment.
Territorial scope
Assistance, roadside recovery and replacement-vehicle services are valid in Italy, Vatican City and San Marino only; abroad is excluded for these specific services.
Anti-theft requirements
Not specified in the available sources.
Claim notification deadline
Not specified in the available sources.
Deductible rules
Kasko, Vandalism/Natural Events, Imprevisti da Circolazione and Fire/Theft guarantees can carry deductibles and/or excesses (e.g. a 10% excess applied to Theft in a pricing illustration); glass repairs normally carry a 20% excess that is zeroed at partner centers; the optional 'Protezione Franchigia e Scoperti' rider removes deductibles/excesses for Vandalism, Natural/Sociopolitical Events, Imprevisti da Circolazione and Kasko claims once the damage value exceeds the deductible.
Documents
Allianz Lithium – Appendix to Policy Conditions
Terms & conditions
Set Informativo (DIP/IPID) – RCA ed. 01.08.2025 & ARD ed. 01.12.2024
IPID
Allianz Lithium Brochure
Other document
Guarantee Sheet – Kasko
Table of benefits
Guarantee Sheet – Assistenza Lithium
Table of benefits
Guarantee Sheet – New Value Indemnity
Table of benefits
Guarantee Sheet – Vandalism, Natural and Sociopolitical Events
Table of benefits
Guarantee Sheet – Imprevisti da Circolazione
Table of benefits
Guarantee Sheet – Glass and Additional Guarantees
Table of benefits
Tariff Rules ed. 01.07.2024
Other document
Policy specifics
Battery Protection - New Value Coverage
Protects the traction battery of electric and plug-in hybrid vehicles at new value up to the third year from first registration, covering up to approximately 30-50% of vehicle cost
SourceCharging Accessories Coverage
Extended protection for owned charging equipment including home charging column (wallbox), charging cables, and portable chargers against theft, fire, vandalism, natural events and cyber attacks (up to €600 limit per claim)
SourceSOS Recharge Assistance Service
Specialized roadside assistance for battery depletion: dispatch of fast-charge vehicle or certified EV tow truck to deliver vehicle to nearest charging station (fast or standard), with territorial validity in Italy, Vatican, and San Marino
SourceCyber Attack Protection
Coverage for malfunction or total blockage of vehicle operating system due to hacking/cyber attack (ransomware, unauthorized data access), with indemnity up to €1,000 per claim
SourceNo Wear Degradation - Lithium Extension
For partial damage (excluding tires, muffler system, and starter batteries), wear degradation is not applied in first 5 years from initial registration for all vehicle parts; for specified components, exclusion limited to first 6 months
SourceManufacturer Authorized Repair Option
In case of damage requiring tow truck intervention, insured can choose to transport vehicle to nearest authorized manufacturer service center instead of Allianz-certified bodyshop network (required for many EV models)
SourceVehicle Replacement Service Post-Theft
For total theft loss, Allianz provides substitute rental vehicle (equivalent Group D max) for up to 30 consecutive days upon submission of theft report to authorities; excludes fuel, charging, tolls, paid area access, and rental insurance
SourcePolicy Applicability - BEV and PHEV Only
Allianz Lithium exclusively covers private-use battery electric vehicles (BEV) and plug-in hybrid electric vehicles (PHEV); NOT applicable to conventional internal combustion, mild-hybrid, or full-hybrid vehicles
SourceShort Circuit / Electrical Fault Fire Coverage
Fire guarantee extension covers damage to owned charging accessories caused by abnormal current variation (short circuit) on charging equipment; integrates standard fire coverage for EV-specific risks
Source