ITAS - Istituto Trentino-Alto Adige per Assicurazioni Società Mutua di Assicurazioni (Gruppo ITAS Assicurazioni)
ITAS
ITAS is a motor casco insurance for the Italy market with no online purchase and 24/7 assistance.
Direct payment
The premium is paid when the policy is issued, either to the intermediary to whom the policy is assigned or directly to ITAS Mutua. Depending on vehicle type, the policyholder may request semi-annual, quarterly or monthly instalments (subject to additional charges); monthly instalments must be paid via SEPA Direct Debit. Accepted payment methods are non-transferable bank/cashier's cheque, bank transfer, postal order or similar, credit card/POS, SEPA Direct Debit, and cash within legal limits.
Geographic scope
Italy, Vatican City, San Marino, EU member states, and additional listed non-EU states
For motor vehicles, cover applies in Italy, Vatican City, San Marino, EU member states, Liechtenstein, Andorra, Monaco, Serbia, Switzerland, Bosnia and Herzegovina, Montenegro, the UK, and any Green Card system country shown on the international insurance certificate; for watercraft, cover applies to the Mediterranean (within the straits) and European inland waterways.
Unique selling points
- No repurchase (rivalsa) is exercised against the policyholder for accidents caused while driving under the influence of alcohol or drugs, and this waiver comes at no additional premium.
- The optional Bonus Protetto lets eligible claims-free customers keep their merit class even after a single claim in the observation period.
- Choosing direct settlement (Indennizzo in forma specifica) for Accidental Damage or Collision cuts the guarantee premium by 5% and arranges repair at an ITAS-affiliated body shop.
- Free psychological support for road accident victims and their families is provided through Fondazione ANIA.
- Customers can choose their own wildlife-collision indemnity ceiling, either €5,000 or €10,000 per claim and policy year.
Coverage limits
Accidental Damage (Kasko)
Optional
No limit stated
Only in No degrado, Rimborso a nuovo per collisione, Indennizzo in forma specifica
Indemnifies damage to the vehicle from collision, overturning, running off the road, or falling rocks, landslides, avalanches and snow slides during circulation. Can only be purchased together with the Fire and Theft/Robbery guarantees. Deductibles, excesses and the insured sum are specified in the individual policy, not in this document. If the policyholder chooses 'Indennizzo in forma specifica', the guarantee premium is discounted 5% and repairs are made directly at an ITAS-affiliated body shop; if repaired at a non-affiliated shop with a later reimbursement request, the settlement is reduced by 10%.
Total Loss
Optional
No limit stated
The DIP does not separately quantify a total-loss settlement; total loss is indemnified within the Fire, Theft/Robbery and Accidental Damage (Kasko) guarantees according to the insured sum, deductibles and excesses shown in the individual policy schedule.
Collision Damage (Mini Kasko)
Optional
No limit stated
Only in No degrado, Rimborso a nuovo per collisione, Indennizzo in forma specifica
Covers damage to the vehicle from collision with identified vehicles where the insured is found wholly or partly liable, including overturning or running off the road resulting from the collision. Deductibles, excesses and insured sum are specified in the policy. Available with 'No degrado' or 'Rimborso a nuovo per collisione' extensions; choosing 'Indennizzo in forma specifica' gives a 5% premium discount with repair at an ITAS-affiliated body shop, otherwise settlement is cut by 10% if repaired elsewhere with a reimbursement claim.
Theft, Total and Partial, and Robbery
Optional
No limit stated
Only in Gold, Gap, No degrado
Indemnifies total or partial theft and robbery of the vehicle, including damage arising from circulation during illegal use or possession of the vehicle following theft. Can only be purchased together with the Fire guarantee. Deductibles, excesses and insured sum are specified in the individual policy. Does not cover damage resulting from the crime of misappropriation (appropriazione indebita).
Glass Breakage
Optional
No limit stated
Reimburses costs incurred to repair or replace the vehicle's windows/glass following accidental breakage or action by third parties. This guarantee is only sellable for buses, trucks and campers (autocaravan) - it is not available for the passenger-car-oriented vehicle categories excluded from this document's scope. Excludes scratches, scoring and crazing of the glass, damage to other vehicle parts, and damage from overturning, running off the road or collision.
Weather Events
Optional
No limit stated
Indemnifies material and direct damage from strong wind, whirlwind, storm, hurricane, hail, snow accumulation, landslide, avalanche, snow slide, subsidence, earthquake, volcanic eruption, storm surge, flood and inundation, and falling trees or aircraft. Not sellable for goods-transport motor tricycles, quadricycles and mopeds, caravans, luggage trailers, operating machinery, or agricultural machinery. Excludes glass damage and water ingress through open windows, doors or roofs.
Socio-Political Events
Optional
No limit stated
Indemnifies material and direct damage to the vehicle from malicious acts of third parties, including vandalism, terrorism, sabotage, strikes or riots. Not sellable for goods-transport motor tricycles, quadricycles and mopeds, caravans, luggage trailers, operating machinery, or agricultural machinery. Excludes glass damage and damage occurring while the vehicle is being driven.
Roadside Assistance
Optional
No limit stated
Provides roadside recovery and logistical support following breakdown, accident, fire, theft (including partial or attempted) or robbery (including attempted), plus personal-assistance services. The 'autovettura' version is only sellable for caravans, campers (autocaravan), trailers with their own plate, and trucks up to 35 quintals with a height not exceeding 2.70 m; a separate 'autocarro' version applies for trucks/trailers over 35 quintals gross weight. No indemnity/service is due if the insured fails to contact the operations centre when the event occurs; services cannot be provided more than three times per type per policy year, and the maximum continuous stay abroad covered per policy year is 60 days. Excludes events from suicide/attempted suicide, reckless acts or races/competitions, alcohol or psychotropic drug abuse, or an unlicensed driver.
Replacement Vehicle
No limit stated
Not mentioned anywhere in the provided DIP or DIP aggiuntivo documents for Dimensione Auto.
Driver Injury
Optional
No limit stated
Indemnifies the insured for accidents suffered while driving the vehicle identified in the policy, resulting in death or permanent disability, including accidents suffered while getting in/out of the vehicle, refuelling, checking levels, or performing emergency operations after a breakdown/accident. The overall death/disability sum insured is set in the individual policy. A sub-limit of €500 per policy year applies to reimbursement of medical expenses incurred within 120 days of the indemnifiable accident. No indemnity is paid if permanent disability is 4% or less of total. Excludes drivers over 80 years old, unlicensed drivers, participation in races/competitions, alcoholism, drug/psychotropic abuse, and specific mental conditions.
Key conditions
Driver age and experience limit
No general minimum driver age or experience requirement is stated for the Danni al Veicolo section itself; however, the optional Driver Injury guarantee excludes accidents if the driver is over 80 years old.
Repair network requirements
Choosing 'Indennizzo in forma specifica' for the Accidental Damage/Collision guarantees gives a 5% discount on that guarantee's premium and requires repair at a body shop affiliated with ITAS Mutua. If the vehicle is instead repaired at a non-affiliated body shop and reimbursement is later claimed, the settlement is reduced by 10%, without prejudice to any applicable excess/deductible.
Territorial scope
For motor vehicles: Italy, Vatican City, San Marino, EU member states, Liechtenstein, Andorra, Monaco, Serbia, Switzerland, Bosnia and Herzegovina, Montenegro, the UK, and Green Card system countries shown on the international insurance certificate (states whose codes are crossed out on the Green Card are excluded). For watercraft: the Mediterranean (within the straits) and European inland waterways.
Anti-theft requirements
The DIP and DIP aggiuntivo do not specify any mandatory anti-theft device requirement for the Theft/Robbery guarantee; no such condition is stated in the sources reviewed.
Claim notification deadline
In the event of a claim, written notice must be given to ITAS Mutua or the intermediary to whom the policy is assigned promptly and, in any case, within three days of becoming aware of the event.
Deductible rules
Deductibles (franchigie), excesses (scoperti) and indemnity limits/insured sums for each guarantee are set out in the individual policy and in the Condizioni di Assicurazione, not in the DIP itself. Where 'Indennizzo in forma specifica' is chosen for Accidental Damage/Collision and the vehicle is repaired at a non-affiliated body shop with a later reimbursement claim, the settlement is additionally reduced by 10%, on top of any applicable excess/deductible.
Where to buy
Policy specifics
Fire, Theft, and Accidental Damage
Coverage for vehicle damage including fire, theft, and accidental damage to the insured vehicle
SourceRoadside Assistance
Coverage for roadside assistance services including towing and emergency support
SourceMotor Third-Party Liability
Mandatory coverage for liability damages caused to third parties by the insured vehicle
SourceDriver Injury Coverage
Optional coverage for injuries sustained by the driver in traffic accidents
SourceCollision with Uninsured Vehicles
Covers material damage from collision with another vehicle lacking compulsory third-party liability insurance but identified by police/judicial report, including overturning or running off the road resulting from the collision, up to €5,000 per claim and policy year. Sellable only for own-account trucks up to 35 quintals.
SourceWildlife Collision
Covers material and direct damage from collision with wild animals, provided the event is recorded in an official incident report, including overturning or running off the road resulting from the collision. The policyholder chooses a limit of €5,000 or €10,000 per claim and policy year. Sellable only for trucks and campers up to 35 quintals; not cumulable with the Accidental Damage (Kasko) settlement for the same event.
SourceRodent Damage
Covers material and direct damage caused by rodents to the electrical system, upholstery, and charging equipment (for electric or plug-in hybrid vehicles), up to €1,500 per policy year. Purchasable only for campers (autocaravan). Excludes damage to batteries/other electrical equipment, damage caused by animals transported in the vehicle or owned by the insured, and damage due to the insured's wilful misconduct.
SourceOther Risks
Reimburses various incidental expenses per claim and policy year: upholstery damage €500, transport of injured persons €500, document duplication €200, airbag/pretensioner restoration €1,500, unenjoyed ownership tax paid, key loss €500, satnav theft €250, luggage damage €300, injury to pets €300, theft-related documentation costs €100. Sellable only for trucks up to 35 quintals and own-account campers up to 35 quintals.
SourceBonus-Malus Merit Class System
Italian insurance merit classification system where premiums are adjusted based on claims history and driver record, with classifications from 1-18
SourceTerritorial Coverage Scope
Coverage is valid in Italy, Vatican City, San Marino, EU member states, and specified EEA countries including Liechtenstein, Andorra, Monaco, Serbia, Switzerland, Bosnia-Herzegovina, Montenegro, and UK; also covers Green Card system countries
SourceVehicle Age Eligibility
Casco coverage typically offered for vehicles 0-8 years old with most insurers; some variations for vehicles up to 12 years or classic vehicles
SourceDeductible (Scoperto)
Percentage or fixed amount of damage borne by the policyholder per claim as defined in the policy schedule
SourceDriver Authorization Requirements
Coverage exclusions apply if driver is not properly licensed, if vehicle is used for unauthorized purposes, or during racing/competition participation
Source