Groupama Assicurazioni S.p.A.
Groupama
Groupama is a motor casco insurance for the Italy market with no online purchase and 24/7 assistance.
Direct payment
The policyholder can opt for 'Risarcimento in forma specifica' (direct repair), having the vehicle repaired at a Groupama-affiliated body shop with no upfront payment for total-fault claims; the standard premium/first instalment must otherwise be paid at the Agency that issues the policy.
Geographic scope
Italy, Vatican City, San Marino and EU Member States, plus the countries listed and not crossed out on the Green Card international insurance certificate
Cover applies within the territory of the Italian Republic, Vatican City, San Marino and EU Member States, and in the other states listed and not crossed out on the Green Card.
Unique selling points
- AutoBox satellite telematics device unlocks premium discounts based on driving style and kilometres travelled, with a stolen-vehicle search service operating 24/7 every day of the year.
- At Groupama's network of authorised body shops, policyholders pay no upfront repair costs, get halved or zeroed deductibles on Kasko, Fire/Theft and weather-event guarantees, plus free home pick-up/delivery and a courtesy car.
- The optional 'Maxi Valore RCA' rider lets drivers buy back an at-fault claim, refunding 90% of the amount paid (up to €1,000) while keeping their bonus-malus class unchanged.
- The My Groupama app provides real-time RCA coverage checks, 24/7 roadside assistance requests, and location of the nearest authorised body shop.
- The Assistenza Gold formula extends the standard courtesy-car period to 30 days for accidents (versus 7 days in Silver) and adds medical repatriation, legal-fee advances up to €3,500 and interpreter services abroad.
Coverage limits
Own Damage (Kasko)
Optional
Only in Kasko Completa, Collisione Estesa, Collisione Agevolata Forma A, Collisione Agevolata Forma B, Urto o collisione con animali ungulati
Optional Kasko cover indemnifies material and direct damage to the insured vehicle from collision with another vehicle, persons or animals, falling objects, overturning, running off the road, or impact with obstacles. It is sold in four forms (Kasko Completa, Collisione Estesa, Collisione Agevolata, Urto o collisione con animali ungulati); indemnity is capped at the vehicle's declared commercial or new value, except for 'Collisione Agevolata Forma B' (max €3,500/year) and 'Urto o collisione con animali ungulati' (max €3,000/year, fixed €350 deductible). Cover excludes damage while driving under the influence of alcohol or drugs.
Total Loss
Conditional
Total loss occurs when a stolen vehicle is not recovered, or when repair costs exceed 80% of the vehicle's value at the time of the claim and the wreck is scrapped. Indemnity equals the vehicle's commercial value (or, if the 'new value' option and period apply, its new value) per the reference valuation guide; this cover is only active if Kasko, Fire/Theft, Natural Events or Sociopolitical Events guarantees are purchased in the 'TIPO COMPLETO' form.
Partial Loss
Conditional
Any damage not qualifying as total loss is indemnified as partial loss: the cost of repair/replacement, with wear-and-tear deduction applied under the 'Valore Commerciale' option, or without deduction (up to the vehicle's commercial value) under the 'Valore a Nuovo' option during the chosen new-value period.
Fire, Theft and Robbery
Optional
Optional guarantee covering material and direct damage from fire, lightning, fuel explosion, theft or robbery (attempted or completed), including damage occurring while the vehicle is driven after a theft/robbery and fire following theft/robbery. Indemnity is based on the vehicle's declared value, with deductibles/excesses set in the policy schedule.
Glass Breakage
€750 – €2,000
Optional guarantee reimbursing the cost of replacing or repairing the windscreen, rear window, side windows and roof glass, up to a per-policy-period limit chosen by the client of €750, €1,000, €1,500 or €2,000, regardless of the number of glass items broken. A €200 deductible applies if the replacement is carried out at a non-affiliated centre.
Natural Events (incl. Hail and Earthquake)
Optional
Optional guarantee covering weather-related damage (floods, landslides, storm surges, avalanches, volcanic eruptions, snow/ice/stone falls, wind-driven object impact during tornadoes, hurricanes, storms). Hail and earthquake damage can additionally be activated (only together with the Eventi Atmosferici cover) with a client-chosen sub-limit of €2,500 or the vehicle's insured value, never exceeding it.
Sociopolitical Events and Vandalism
Optional
Optional guarantee covering material and direct damage from popular uprisings, strikes, riots, demonstrations, terrorism, sabotage and vandalism/malicious acts. Cover terms depend on the vehicle type and age shown on the policy schedule; damage arising from the vehicle's circulation is excluded.
Roadside Assistance
Optional
Only in Silver, Gold
Optional Assistenza guarantee (Silver or Gold formula), delivered via Europ Assistance VAI S.p.A., covering roadside towing, mobile workshop repair, out-of-road recovery, breakdown phone support and taxi reimbursement (max €50/claim, up to 2 times/year); Gold adds sub-limited benefits such as legal-fee advances (max €3,500), first-necessity expense advances (max €500) and interpreter service (max 8 working hours).
Replacement Vehicle
Optional
Only in Silver, Gold
Available within the Assistenza guarantee: an equivalent-class vehicle (max 2000cc) is provided for up to 7 days under the Silver formula or 30 days under the Gold formula in case of accident/fire/attempted theft/robbery with repairs exceeding 8 hours of certified labour, or in case of theft/robbery; for breakdowns the limit is 7 days (Silver) or 15 days (Gold).
Driver Personal Accident
Optional
Optional guarantee covering the driver for accidents occurring during the vehicle's circulation: Death (lump sum to heirs), Permanent Disability (percentage of the client-chosen sum insured, subject to a 3% franchise, with a higher 5% franchise threshold on the portion of sum insured between €130,000-€200,000 and 10% above €200,000), Hospitalisation daily allowance (up to 360 days, plus a further 12 days of convalescence allowance at 50% of the daily rate), and reimbursement of medical expenses.
Key conditions
Driver age and experience limit
For the 'Collisione Agevolata' Kasko form, Forma A applies a €300 deductible for drivers aged 26 or under repairing at a network body shop (€600 elsewhere), while drivers over 26 pay no deductible at network shops (€300 elsewhere); deductibles double if the AutoBox device is not correctly installed at the time of the claim.
Repair network requirements
Repairs carried out at Groupama's network of 'Carrozzerie Convenzionate' give the policyholder no upfront payment for total-fault claims, halved or waived deductibles/excesses on Fire-Theft-Robbery, Sociopolitical/Vandalism Events, Kasko Completa, Collisione Estesa and Collisione Agevolata (per the combination shown on the policy schedule), plus free interior/exterior cleaning, home pick-up/delivery and a courtesy car during repairs.
Territorial scope
Cover applies in the territory of the Italian Republic, Vatican City, San Marino and EU Member States, and in the other states listed and not crossed out on the Green Card international insurance certificate.
Anti-theft requirements
The policy requires installation of an AutoBox Smart (self-installed) or AutoBox Premium (installed by an authorised centre) satellite device within 10 working days of policy inception/device delivery, plus subscription to the G-Evolution telematics service; failure to install/activate in time requires reimbursement of the premium discount and, for theft claims from the 11th working day onward, reduces the Fire/Theft indemnity by 50% (minimum €5,000).
Claim notification deadline
Claims must be reported promptly to the Agency (using the 'constatazione amichevole' form) or to Groupama by registered letter; theft, robbery or arson must be reported immediately to the competent Authority, with a stamped copy of the report sent to Groupama.
Deductible rules
Deductibles (franchigie) and excesses (scoperti) agreed in the policy schedule are deducted from the indemnifiable amount; at network body shops they are halved or waived depending on the guarantee, and for Eventi Naturali they are zeroed if the 'Tirabollo' dent-repair technique is used; franchise amounts double for Kasko claims if the AutoBox device is not correctly installed. Kasko cover excludes damage occurring while driving under the influence of alcohol or drugs.
Where to buy
Documents
DIP and DIP Aggiuntivo - Pre-contractual Information Document (Ed. 06/2025)
IPID
General Insurance Conditions - Autocontrollo Autovetture 2022 (Ed. 06/2025)
Terms & conditions
Full Informational Set (DIP + Additional DIP + General Conditions) - Ed. 01/2023 Update 10/2023
Terms & conditions
Informational Set (DIP + Additional DIP + General Conditions) - Ed. 01/2023 Update 10/2023
Terms & conditions
Policy specifics
Casco (Kasko) Coverage
Optional damage coverage available in four forms: Kasko Completa (complete), Collisione Estesa (extended collision), and other variants covering damage from collision, falling objects, rollover, and other accidents
SourceAutoBox Device Installation Requirement
The policy requires installation and activation of an AutoBox satellite device (either AutoBox Smart or AutoBox Premium) within 10 working days from the policy effective date, and subscription to G-Evolution telematic services
SourceMaximum Kasko Indemnity
The Kasko coverage includes maximum annual indemnity and deductible amounts, with specific limits mentioned in the policy
SourceAlcohol Driving Provision
Coverage is guaranteed even in case of driving under the influence with a blood alcohol level up to 0.8 g/l. Above this threshold, coverage only applies if the insured is acquitted
SourceMaxi Valore RCA Optional Coverage
Optional coverage allowing policyholders to claim reimbursement of 90% of the amount paid in case of an at-fault accident, up to a maximum of €1,000, while keeping their merit class unchanged
SourceAlcohol Threshold Derogation (Tutela Legale only)
Under the optional Tutela Legale guarantee, several legal-defence benefits remain active even if the driver's blood alcohol level is up to 0.8 g/l (Formula Base) or 1.5 g/l (Formula Super); above that threshold the benefit only operates if the insured is acquitted with a final judgment. This derogation does not apply to RCA or to Kasko cover.
SourceUninsured Identified Vehicle Cover Moved Out of Kasko
In the previous edition (Ed. 10/2022/01-2023), 'Urto o collisione con veicolo identificato non assicurato' was sold as a fifth Kasko form, capped at €3,000/year. In the current edition (Ed. 06/2025), this peril is no longer listed among the Kasko forms and is instead provided under the Maxi Valore RCA guarantee.
SourceG-Evolution Telematics Service
Mandatory subscription to G-Evolution telematics services managed by partner FairConnect S.p.A., which monitors driving behavior, provides vehicle location tracking, and generates driving style scores for premium adjustments
SourceAuthorized Body Shop Network (Carrozzerie Convenzionate)
Policyholders can benefit from a network of authorized body shops where deductibles are waived and maximum indemnity for Kasko coverage is set at €3,500
SourcePolicy Term and Automatic Renewal
The policy has an effective date from midnight on the day the premium is paid and lasts for 1 year without requiring notice to cancel. It automatically renews unless canceled
SourceGeographic Coverage
Insurance is valid in the territory of the Italian Republic, Vatican City, San Marino, and EU Member States, and also in countries listed and not crossed out on the international insurance certificate (Green Card)
Source