Nobis Compagnia di Assicurazioni S.p.A.

Driver age and experience limit

No specific minimum driver age or licence-experience requirement is stated for the CVT (Furto/Incendio) guarantees themselves; the standard licence/roadworthiness conditions of the underlying MTPL policy apply to the bundle as a whole.

Repair network requirements

Repairs may be carried out at a Rete Convenzionata bodyshop (NOBIS pays the repairer directly, net of the deductible) or outside the network (policyholder reimbursed directly after an 8-working-day appraisal). For vehicles up to 7 years old repaired within the network, parts are reimbursed without wear-and-tear deduction; beyond that age, or out-of-network, commercial value net of wear-and-tear applies. Labour reimbursement is capped at the network's hourly rate (max €35 + VAT/hour).

Territorial scope

For the Danni (theft/fire), Infortuni del Conducente and passenger-extension sections, cover applies throughout all States party to the 'Green Card' system whose code is not struck out on the Green Card issued on request; this includes Italy, Vatican City, San Marino, all other EU States, Andorra, Iceland, Liechtenstein, Norway, Monaco, Serbia and Switzerland.

Anti-theft requirements

An anti-theft device or a protected parking space is only required if declared in the policy at inception; in the event of a theft claim, the policyholder must prove that the declared device existed and was functioning, and that the declared protected parking space existed and was available.

Claim notification deadline

For CVT (theft/fire) claims, written notice must be given within 5 days of the event or of becoming aware of it (art. 3.7); for theft/robbery an immediate report must also be filed with the Police, copy forwarded to NOBIS. The mandatory MTPL section of the bundle has a separate, shorter 3-day deadline under art. 143 of the Codice delle Assicurazioni.

Deductible rules

Two deductible tiers apply by vehicle category, identical whether repaired in-network or out-of-network: 20% of the loss (min €750) for motorcycles, tricycles, quadricycles and motocarrozzette above 50cc; 25% of the loss (min €1,000) for mopeds, tricycles and light quadricycles up to 50cc. A separate fixed €250 deductible applies to theft of unsecured goods left inside the vehicle, applied even where the Furto guarantee itself has no deductible.

Fire and Theft Coverage

Optional complementary coverage protecting against loss or damage from fire, theft, and related risks to the insured vehicle

Legal Protection

Optional coverage providing legal protection and assistance with maximum indemnity of €10,000 per claim and per year

Driver Injury Coverage

Optional coverage providing indemnity for driver injuries arising from vehicle operation, including death and permanent disability benefits

Fire and Theft Package (CVT)

Furto and Incendio can only be purchased together as a single package (never individually); the Ricorso Terzi da Incendio guarantee (currently €150,000 per event, third-party fire liability while the vehicle is stationary) is included free of charge whenever the Furto+Incendio package is purchased.

Vehicle Age Restriction

Vehicles registered more than 10 years ago are not insurable for non-mandatory coverage (CVT guarantees)

Minimum Liability Limit

Mandatory minimum coverage limits: €6,070,000 per claim for bodily injury and €1,220,000 per claim for property damage, regardless of number of victims

Contract Duration

Contracts are annual with mandatory termination at natural expiration; automatic renewal is not permitted for mandatory RCA coverage

Territorial Validity

Insurance is valid in the territory of the Italian Republic, Vatican City State, San Marino, and European Union countries

Claims Notification Deadline

Insured must notify claims within 3 days from occurrence or from date of knowledge, with forfeiture penalty for non-compliance