AXA Assicurazioni S.p.A.

Optional Kasko guarantee indemnifies material and direct damage to the insured vehicle (including optional accessories, if insured) caused by collision with identified vehicles/objects, impact with fixed or moving obstacles, running off the road, or overturning. No fixed euro cap is stated in the current DIP Aggiuntivo; the maximum payable is the vehicle's insured sum (declared under the 'Valore a Nuovo' or 'Valore Commerciale' formula) less the deductible/scoperto stated in the individual policy, which is doubled if the driver is under the influence of alcohol/drugs and reduced by 50% if repaired at an AXA-affiliated body shop.

Alternative optional clauses ('Incendio e Furto Totali' and 'Kasko - Danno Totale') restrict fire/theft/collision cover to total-loss events only, defined as damage equal to or greater than 80% of the vehicle's value at the time of the loss. Payout equals the vehicle's insured sum at the loss date, less any residual/salvage value and the applicable deductible; no separate fixed euro cap is stated in the current DIP Aggiuntivo.

The standard (non-'Totali'/'Danno Totale') Incendio, Furto and Kasko guarantees indemnify partial damage to the vehicle without any total-loss threshold, i.e. they cover damage of any severity below the 80% total-loss level. Indemnity equals the repair/replacement cost of the damaged or stolen parts, net of the deductible/scoperto indicated in the policy.

Optional Furto guarantee covers material and direct damage to the vehicle, including optional parts, caused by theft (attempted or actual) and robbery, extended to damage during unauthorized circulation following theft or robbery. No fixed euro cap is stated; payout is capped at the vehicle's insured sum, less the deductible/scoperto indicated in the policy, which is reduced by 50% if the vehicle is repaired at an AXA-affiliated body shop.

Optional glass-breakage guarantee, offered in two forms. Form A applies a maximum indemnity limit per claim if repairs are NOT carried out at an AXA-affiliated body shop, and limits full windscreen replacement to once per insurance year. Form B removes both the maximum indemnity limit and the once-per-year windscreen-replacement limit. The current DIP Aggiuntivo does not disclose the specific euro amount of the Form A indemnity cap or deductible; these are stated in the individual policy schedule.

Optional guarantee ('Danni conseguenti ad Eventi Naturali, Eventi Sociopolitici ed Atti Vandalici') covers material and direct damage caused by hail, hurricane, storm, wind, tornado, overflow of watercourses/lakes, floods, avalanches, snow pressure, landslides, and falling rocks/trees. The deductible/scoperto and its minimum amount are indicated in the individual policy (not fixed by the DIP), and are reduced by 50% if the vehicle is repaired at an AXA-affiliated body shop.

Vandalism is covered under the same optional clause as natural perils ('Danni conseguenti ad Eventi Naturali, Eventi Sociopolitici ed Atti Vandalici'), extending to damage from popular uprisings, strikes, riots, acts of terrorism or sabotage, and vandalism. The deductible/scoperto and its minimum are set in the individual policy and reduced by 50% when repaired at an AXA-affiliated body shop.

Third-party distributor pages indicate that AXA offers a 24/7 roadside/breakdown assistance service ('AXA Assistance') as part of the Protezione al Volante line, but the verified official DIP Aggiuntivo (Ed. 09/2022) provided for this product covers only the R.C. Auto and vehicle-damage (A.R.D.) guarantees and does not include the Assistenza guarantee's specific coverage limits or tier structure. No current, official source in the verified list confirms exact assistance limits for this edition.

Optional guarantee covering the driver for accidents resulting in permanent invalidity or death occurring while driving, boarding or alighting from the vehicle. The insured capital for death/invalidity is chosen by the policyholder (no fixed amount in the DIP); if the driver is over 80 at the time of the claim, the death benefit is reduced by 80% and the invalidity benefit by 10% per year of age over 80 (capped at 60%). Additional benefits: reimbursement of up to 80% of medical costs incurred within 360 days of the accident (remaining 20% borne by the insured, minimum €50 per claim/person), ambulance/inter-facility transport reimbursed up to €2,000 per claim, and a hospitalisation and/or plaster-cast daily allowance of €50 per day (maximum 180 days for hospitalisation; maximum 30 days per event for plaster-cast outside hospital).