Genertel S.p.A.

Driver age and experience limit

The policy can be configured with an 'esperto' (drivers aged 25+ only), 'inesperto' (drivers under 25 only) or 'non solo esperti' (open) driving profile. Cover applies regardless of the actual driver's age, but if the policy declares the vehicle is never driven by a driver under 25 and an at-fault claim is nonetheless caused by such a driver, the policyholder must reimburse an additional 'Franchigia conducente inesperto' of €350, on top of any franchise chosen in the R.C.A. contract.

Repair network requirements

For Furto e Incendio, Minikasko/Kasko, Eventi atmosferici and Atti vandalici, repairing at a Carrozzeria Convenzionata halves the policy Minimo; if the policyholder also selected the discounted 'Carrozzerie Convenzionate' premium option but repairs outside the network, the Minimo is doubled instead of halved. For Tutela danni da veicoli non assicurati and Collisione animali selvatici, using the convenzionata network waives the Scoperto/Minimo entirely.

Territorial scope

Unless a guarantee states otherwise, cover applies in Italy, EU member states (Cyprus only in government-controlled areas), Vatican City, San Marino, Monaco, Liechtenstein and non-crossed-out Green Card countries. Collisione animali selvatici and Tutela danni da veicoli non assicurati apply only in Italy; Assistenza Telematica con Scatola Nera extends to Italy, Vatican, San Marino, EU states, Bosnia-Herzegovina, Montenegro, Norway, UK, North Macedonia, Serbia, Switzerland and Turkey.

Anti-theft requirements

If the policy declares an antitheft device, satellite antitheft or satellite locator, the policyholder must be able to prove its installation/active subscription at the time of theft, otherwise the indemnity is reduced or excluded. The Scatola Nera (Assistenza Telematica) is equated to a satellite locator; if it is not installed and active at the time of theft, no indemnity is paid, except a proportional (not zero) reduction during the first 20 days after policy inception or vehicle change.

Claim notification deadline

Claims must be notified to Genertel within 3 days of the event or of becoming aware of it; late, inaccurate or missing notification can reduce or forfeit the right to indemnity and entitles Genertel to seek recovery (Rivalsa).

Deductible rules

A percentage Scoperto with a fixed-amount Minimo is borne by the policyholder per claim, as stated in the policy (e.g. a 10% scoperto with a €500 minimo, whichever amount is higher applies). Repairing at a Carrozzeria Convenzionata halves the Minimo (or, for Tutela danni/Collisione animali, waives it entirely); repairing elsewhere or not repairing at all applies the full or doubled Minimo. Cristalli has a separate rule: no Minimo if repaired at carglass® for ≤€100.

Total or partial theft coverage

Covers direct and material damage to vehicle in case of total or partial theft and theft attempts (scasso)

Fire coverage

Covers direct and material damage caused by fire to vehicle, including fire caused by vandalism acts

Non-standard multimedia devices coverage

Coverage for theft of non-standard multimedia devices (aftermarket stereo, etc.) fixed to vehicle, maximum €1,250 if purchase is documented

Wild animal collision cover

Optional guarantee (not combinable with Kasko, which already includes it) indemnifying the repair cost of direct and material damage from a collision with wild animals on a paved public road in Italy; on motorways cover applies only to collisions with birds. Also reimburses up to €250 per event for interior damage from occasional transport of animals injured in road accidents.

Deductible and minimum threshold

Percentage deductible (scoperto) on damage amount with fixed minimum threshold (minimo) remaining at policyholder's expense

Network repair center requirement

For partial damage claims, use of Genertel network repair centers may reduce or waive deductible minimums

Total loss (theft) settlement condition

In case of total loss from theft, policyholder may suspend contract, transfer to another vehicle, or receive premium refund for R.C.A. portion only

War and natural event exclusions

No coverage for theft/fire losses caused by war, invasion, military occupation, insurrection, revolution, earthquakes, volcanic eruptions, tsunamis, floods, nuclear development

Wear-and-tear scale (Degrado d'uso)

Partial-damage settlements deduct a wear allowance from spare parts based on vehicle age: 0% up to 2 years, 20% after 3 years, 30% after 4, 40% after 5, 50% after 6 or more years. Bodywork is exempt from wear deduction (except headlights, cameras, parking sensors and wheel rims).