Allianz

driver_age_experience_limit

There is no standard minimum driver age for the Kasko Completa coverage itself. However, if the optional 'Guida Esperta' condition is selected on the RCA component of the same contract, the policy only covers drivers who are the vehicle owner (regardless of age) or any occasional driver aged 26 or over. If a driver outside these characteristics is at the wheel at the time of a loss, the insurer retains the right of recourse up to €5,000 under the RCA component. This restriction does not directly apply to the Kasko indemnity, but the Kasko exclusions do exclude drunk driving and drivers without a valid licence.

repair_network_requirements

The insured may opt for in-kind settlement (Risarcimento in forma specifica), which obliges the insured to use Allianz-affiliated bodyshops ('Carrozzeria Amica'). In return, the contractual deductible is reduced by 50%, provided a prior vehicle condition assessment was carried out with a favourable outcome. If the insured opts for this clause but does not use an affiliated bodyshop, the full contractual deductible applies. The insured may always choose a non-affiliated repairer, but in that case no deductible reduction applies. For glass claims, using affiliated glass repairers (e.g. Carglass) waives the 20% excess.

territorial_scope

The Kasko Completa coverage is valid, unless otherwise specified for individual guarantees, for the territory of the Italian Republic, the Vatican City and the Republic of San Marino, the States of the European Union, Norway, Iceland, the Principality of Monaco, Switzerland, Liechtenstein and Croatia, as well as other States forming part of the Green Card system whose international codes shown on the Green Card are not crossed out.

anti_theft_requirements

No anti-theft device is required as a condition for Kasko Completa coverage. However, for the separate Furto (theft) guarantee, vehicles that benefit from the satellite anti-theft discount are subject to a 25% excess on the total loss indemnity if: the anti-theft device was installed without activating the required security service subscription for the duration of the insurance, technical installation documentation was not delivered to the agency, the alarm did not trigger (unless due to absence of GSM coverage), or the device was faulty. A 20% excess applies to total theft losses in specific countries regardless of the anti-theft device status.

claim_notification_deadline

The insured must notify the claim within 3 days of the event (pursuant to art. 1913 of the Civil Code), either by calling the toll-free number 800 68 68 68 (which constitutes a valid claim notification) or by written notice to the agency or insurer. For Kasko claims, the insured must refrain from carrying out repairs (except emergency repairs), disposing of or scrapping the vehicle before damage inspection by an insurer-appointed technician, unless the vehicle has already been taken to an Allianz-affiliated bodyshop. For theft, fire and vandalism claims, notification to the relevant Judicial Police Authority is also required, and a certified copy of the report must be provided to the insurer.

deductible_rules

Kasko Completa applies a contractual deductible (franchigia) and excess (scoperto) as indicated in the policy schedule. Only the minimum deductible amount may be reduced by 50%. The 50% deductible reduction is obtained if: (a) no prior vehicle condition assessment was required, OR (b) a vehicle condition assessment was requested and carried out with a favourable outcome prior to the loss. Using the Risarcimento in forma specifica option (Carrozzeria Amica) entitles the insured to the 50% deductible reduction provided the same conditions are met. If no vehicle assessment was carried out or the result was unfavourable, the full contractual deductible applies regardless of the repair network used. Deductibles and excesses are shown in the policy schedule and may vary. An example given in the policy for Kasko a primo rischio assoluto is: damage €3,000 (cap), contractual deductible €350, amount settled €2,650.

Full Kasko coverage

Comprehensive collision and damage coverage including all accident types regardless of fault

Limited collision Kasko

Coverage limited to identified vehicle collisions only during circulation

Value protection clause

Optional extension providing new value reimbursement for total loss instead of depreciated value

Deductible and excess

Amount insured party must bear in case of claim; varies by coverage type and vehicle value

Coverage limit and maximum

Maximum amount insurance company will pay in case of claim; generally limited to commercial vehicle value at time of loss

Kasko exclusions

Events and circumstances not covered by Kasko insurance policy