Generali

Covers direct material damage to the insured vehicle from collision with another vehicle, persons or animals, falling objects, impact, rollover, or road exit, occurring during circulation including in private areas. In case of collision with an identified vehicle, indemnification occurs without application of deductibles or excesses. Up to the insured value stated in the policy.

Total loss is recognized when the vehicle is not found after theft or robbery, or when repair costs exceed 80% of the vehicle's commercial value at the time of the loss and the insured proceeds with demolition of the wreck. Indemnification is based on commercial value (or replacement value if so agreed) at time of loss, net of any salvage value, up to the insured sum stated in the policy.

Partial loss covers repair or replacement costs. Under commercial value basis, the depreciation of replaced parts is applied. Under replacement value basis (up to 5 years from first registration), no depreciation is applied, up to the commercial value at time of loss. For vehicles 5-10 years old under replacement value, no depreciation applies only if repaired at an authorized SiCura repair center, for parts other than engine, mechanical components, electrical/electronic systems, dashboard instruments, interior fittings, battery, tyres, satellite navigator, and audio-visual devices.

Covers direct material damage to the insured vehicle resulting from total, partial or attempted theft; robbery; damage to the vehicle during circulation after theft or robbery (collision, impact, rollover, road exit); break-in damage. Extended to accessories and audio-visual devices permanently fixed to the vehicle and included in the insured value. Also covers cleaning and sanitisation expenses (up to EUR 150 per loss) if vehicle found within 60 days and the thief entered the passenger compartment.

Covers documented expenses for replacement or repair of glass (windscreen, rear window, side windows and sunroof) of the insured vehicle due to breakage. Coverage up to the insured value stated in the policy per loss per policy year, regardless of the number of broken glass panes, with deduction of a 10% excess with a minimum of EUR 100. No excess applies if the insured contacts and uses an authorized Generali glass repair centre.

Covers direct material damage to the insured vehicle caused by floods (inondazioni), alluvial events, landslides, ground subsidence, tornadoes, hurricanes, overflows, storm surges, falling snow, ice, stones, avalanches, mudslides, volcanic eruptions, and heavy rain (nubifragio), provided these events are objectively verifiable from other effects occurring in the same time and place. Also covers flooding (allagamento) of any cause up to EUR 3,000 per loss. Optional separate coverages for hail (Grandine, without excess at authorized centres) and earthquake (Terremoto) are also available.

Covers direct material damage to the insured vehicle caused by acts of vandalism and any deliberate acts (Atti Vandalici), as well as socio-political events such as civil unrest, acts of terrorism, strikes, riots, and sabotage (Eventi Sociopolitici), provided these events are objectively verifiable from other effects occurring in the same time and place. Incendio doloso (deliberate arson) is a separate optional coverage. Damage caused by circulation is not covered under vandalism.

Optional roadside assistance provided by EuropAssistance 24/7 via toll-free number 800 880 880. Available in three tiers: Formula Small (towing up to 150 km round trip, mobile workshop, replacement vehicle up to 10 days for accident, support for CAI form completion, passenger repatriation and other travel services), Formula Medium (adds Stop & Go on-site replacement vehicle, vehicle demolition, document retrieval after theft), Formula Large (adds physiotherapist dispatch, babysitter/housekeeper dispatch). Each service is available up to 3 times per policy year.

A replacement vehicle is provided when the insured vehicle requires repairs of more than 8 hours labour (Formula Small and Medium) or 6 hours (Formula Large). Vehicle displacement up to 1,200cc (Small) or 1,600cc (Medium/Large), with unlimited mileage. Maximum duration by cause and formula: accident up to 10/14/14 days (S/M/L) at authorized repairer; breakdown up to 3/5/7 days; partial theft/attempted robbery up to 10/14/14 days; total fire/theft/robbery up to 10/30/30 days. Stop & Go immediate replacement on-site available in Formula Medium and Large for up to 3 days after accident or 1 day after breakdown (Medium) / 3 days (Large).

Optional personal accident coverage for the driver and/or passengers of the insured vehicle, available in three configurations: driver only (Forma Guidatore), passengers only (Forma Trasportati), or complete (Forma Completa covering driver and passengers). Covers death, permanent disability (with 3-point deductible below EUR 250,000 insured sum), temporary disability, daily hospital benefit, and medical expense reimbursement. Coverage applies worldwide when using the insured vehicle, and can be extended to car sharing and public transport. Sums insured are stated in the policy.