HDI Casco (own-damage car insurance) (Natanti Hdi)
Underwritten by HDI Assicurazioni S.p.A. · Italy
casco (own-damage car insurance) from HDI for the Italy market, with 24/7 assistance.
Verified Aug 31, 2026 · Terms dated 2023-05
Unique selling points
HDI waives its right of recovery (rivalsa) even when the boat is driven by an unqualified, intoxicated, or impaired operator, still paying the claim.
Liability cover automatically extends to haul-out, launching, transport and dry-land storage operations, not just navigation.
Water-towing activities such as water-skiing and wakeboarding are explicitly included within the mandatory liability guarantee.
The base liability guarantee is issued in "free driving" form, covering any occasional driver regardless of age as long as they hold a valid boating licence.
Passenger injury cover extends to embarkation and disembarkation accidents, provided these occur in an adequate location.
Coverage limits
Own Damage (General Collision/Kasko Cover)
No limit stated
No general collision/own-damage (kasko) guarantee for boats was found in the reviewed sources; own-damage protection is limited to the specific Fire/Lightning/Explosion and Theft/Robbery guarantees described separately.
Total Loss (Wreck) Cover
Optional
Within the optional Fire and Theft/Robbery guarantees, a boat is treated as a total loss ("relitto") when repair costs exceed 80% of its value at the time of loss; the insured sum is fixed in the policy schedule (Scheda di Polizza), not in the general terms.
Fire, Lightning and Explosion Material Damage (Partial Loss)
Optional
Optional guarantee covering direct material damage to the boat (engine/s and/or hull) from fire, lightning, explosion or burst of the fuel system, available only for boats with inboard marine engines or registered boats; the insured amount is fixed in the policy schedule.
Theft and Robbery Cover
Optional
Optional guarantee reimbursing theft or robbery of the boat (marine engine/s and/or hull), also operative for theft/robbery of the hull or engine alone; available only for boats with inboard marine engines or registered boats. A 20% uninsured excess (scoperto) applies if the theft occurred via theft of keys/electronic devices with skill (destrezza) or from within a dwelling, unless a higher excess is set in the policy schedule.
Glass Damage
No limit stated
No glass-damage guarantee is referenced in the reviewed sources for this boat insurance product.
Natural Perils Cover
No limit stated
No specific natural-perils/weather-event guarantee (separate from Fire) is referenced in the reviewed sources.
Vandalism Cover
No limit stated
No dedicated vandalism guarantee is referenced in the reviewed sources for this boat insurance product.
Roadside/Nautical Assistance
No limit stated
No assistance (soccorso) guarantee is referenced in the reviewed sources for the Natanti HDI product.
Replacement Vehicle/Boat
No limit stated
No replacement-boat guarantee is referenced in the reviewed sources for this product.
Operator/Driver Accident Insurance
Optional
Optional guarantee covering the boat operator for accidents (death or permanent disability) sustained during navigation, including embarkation/disembarkation if performed in an adequate location; death and permanent-disability indemnities are not cumulative, and a deductible (franchigia) expressed as a percentage of permanent disability applies below a 3% threshold. The insured sum is set in the policy schedule.
Key conditions
Driver age and experience limit
The liability guarantee is issued in "free driving" (guida libera) form and applies to any driver, even occasional, regardless of age, provided they hold a suitable boating licence.
Repair network requirements
No mandatory repair-network requirement is stated in the reviewed sources for this product.
Anti-theft requirements
Fire and Theft/Robbery guarantees are available only for boats with inboard marine engines or for registered (targato) boats; a higher excess (20%) applies if theft occurs via keys/electronic devices stolen with skill or from inside a dwelling.
Claim notification deadline
The reviewed sources do not state a general claim-notification deadline; for theft, the policy is terminated upon report to the competent authority, with a copy provided to the company.
Deductible rules
A 20% uninsured excess (scoperto) applies to theft claims involving keyless/electronic device theft with skill or theft from within a dwelling, unless a higher excess is set in the policy schedule; other deductibles/excesses for Fire and Accident guarantees are set in the policy schedule (Scheda di Polizza).
Direct payment
Not specified in the reviewed sources for this product; the policy is distributed through HDI agencies.
Territorial scope
Mediterranean Sea within the straits, and internal waters of the Italian Republic and European countries.
Documents
Policy specifics
Marine Liability - Motor Boats Navigation
Coverage for involuntary damages caused to third parties during navigation of motor boats, including towed persons and property of third parties
SourceHaul-out, Launch, Transport and Dry Storage Operations
Coverage extends to operations related to haul-out, launching, transport, and storage of boats on land, not only navigation-related liability
SourceSection: Natanti HDI > Estensioni gratuite
Sono in coperutra anche tutte le operazioni sopra descritte e non riconducibili alla Responsabilità Civile per la Circolazione dei Natanti a Motore.
Passenger/Carried Person Injury Coverage
Insurance includes liability for bodily injuries to carried persons (passengers), excluding damage to the boat itself
SourceSection: Natanti HDI > Estensioni gratuite
L'assicurazione comprende la responsabilità per i danni alla persona causati ai trasportati, con esclusione dei danni al Natante stesso.
Fire, Lightning and Explosion Coverage
Direct material damage coverage to boat (motor and/or hull) resulting from fire, lightning, explosion or burst of fuel system
SourceTheft and Robbery Coverage
Reimburses in case of theft or robbery of the insured boat (motor and/or hull)
SourceOperator/Driver Injury Insurance
Covers the insured boat operator for injuries sustained during navigation, including boarding and disembarking when performed in proper locations
SourceSection: Natanti HDI > Garanzie Opzionali
Assicura il conducente del Natante assicurato per gli Infortuni subiti durante la Navigazione. La copertura deve intendersi valida anche per gli infortuni subiti in conseguenza di imbarco e sbarco, ma solo se dette operazioni vengono effettuate in luogo adeguato.
Waiver of Recovery for Unqualified Drivers
The insurer waives recovery rights for damages caused by an unqualified, intoxicated, or impaired driver, but claims payment is still made
SourceSection: Natanti HDI > Estensioni opzionali
Prevede la rinuncia della Compagnia a rivalersi per i danni causati da un conducente non abilitato, in stato di ebrezza e/o sotto l'influenza di sostanze stupefacenti.
Geographic Coverage Territory
Insurance valid for Mediterranean Sea within straits, internal waters of Italian Republic and European countries
SourcePolicy Suspension for Non-Payment
If premiums or installments are not paid, insurance is suspended from the 15th day after due date and resumes upon payment
SourceWater Towing Activity Coverage
Liability for damages involuntarily caused to third parties, including towed persons, from towing activities is covered
SourceTotal Loss (Wreck) Definition
A boat is considered a wreck (total loss) when repair and restoration costs exceed 80% of the boat's value at time of loss
SourceRight of Withdrawal for Distance Sales
In case of distance selling, the policyholder may exercise the right of withdrawal within 14 days of the policy's conclusion, with a refund of the premium net of tax for the unused insurance period
Source