Poste Vita S.p.A. (Gruppo Assicurativo Poste Vita, including Poste Assicura S.p.A.)
Poste Guidare Sicuri
Poste Guidare Sicuri is a motor casco insurance for the Italy market with online purchase and 24/7 assistance.
Direct payment
The premium (or first instalment) is paid on policy delivery via direct debit, postal savings book, Postamat debit card, cash within legal limits, or (if offered) credit/debit/prepaid card through the Poste Italiane personal online area. For CASCO claims, if the insured uses the UnipolService or UnipolGlass affiliated networks, the claim is settled directly 'in forma specifica' (Linear pays the repairer directly) rather than reimbursing the insured in cash.
Geographic scope
Italy
Cover applies in Italy, Vatican City, the Republic of San Marino, EU Member States, and the territories of Andorra, Bosnia and Herzegovina, Montenegro, Iceland, Liechtenstein, Norway, the Principality of Monaco, the United Kingdom, Serbia and Switzerland, as well as other Green Card states whose international codes on the card are not crossed out.
Unique selling points
- Kasko claims settled through the UnipolService affiliated repair network are paid 'in forma specifica' with the deductible automatically halved.
- Glass breakage is covered up to €1,500 per claim with no deductible when repaired at a UnipolGlass centre, including sensor recalibration.
- 24/7 roadside assistance via UnipolAssistance includes a replacement car for up to 30 consecutive days after theft or robbery of the vehicle.
- Free installation of the Linear Autobox telematics device provides pay-per-km premium discounts and automatic crash-detection activation of roadside assistance.
- The insured value of the vehicle is automatically updated each year to the Quattroruote market quotation, keeping Kasko cover aligned with real market value.
Coverage limits
Kasko Completa (comprehensive own damage)
Optional
Only in Kasko Completa
Optional guarantee indemnifying material and direct damage to the vehicle from collision with other vehicles, impact with fixed/mobile obstacles or animals/people, running off the road, overturning, road/bridge damage, ground subsidence, building collapse, falling trees or rocks, and vehicle transport. Extended to gross negligence and to drivers who passed the driving test but are awaiting licence issue (within 180 days) or driving with an expired licence renewed within 180 days. Indemnity is based on the vehicle's commercial value at the time of loss (per Quattroruote quotation), up to the insured value shown in the policy, less any deductible/uncovered amount.
Total loss settlement
80% of insured sum
Only in Incendio e Furto, Eventi Naturali, Atti vandalici e Sociopolitici, Kasko Collisione, Kasko Completa
A loss is treated as 'Danno Totale' (total loss) when the vehicle is lost without recovery, or when repair costs equal or exceed 80% of the insured value (vehicle plus non-standard accessories). Indemnity is capped at the insured value and based on the commercial value determined by Quattroruote at the time of purchase (if loss occurs within 1 year of first registration) or at the time of the claim (if later).
Partial loss (repair cost)
Optional
Only in Incendio e Furto, Eventi Naturali, Atti vandalici e Sociopolitici, Kasko Collisione, Kasko Completa
Where the loss does not meet the 'total loss' threshold, Linear indemnifies the cost of repairs/replacements needed to restore the vehicle, taking into account wear-and-use depreciation (not applied to labour costs), up to the insured value, less any deductible/uncovered amount applicable to the relevant guarantee.
Theft and Robbery (part of Fire and Theft guarantee)
Optional
Only in Incendio e Furto
Optional guarantee (bundled with Fire) indemnifying total/attempted theft and robbery of the vehicle, damage caused to the vehicle during the theft/robbery attempt to remove accessories or items inside it, and damage during unlawful possession following theft/robbery. Extended sub-limits: reinstatement of garage/box premises up to €10,000 per insurance year; theft of non-standard multimedia devices up to €1,250 per claim; vehicle custody/impound costs ordered by authorities up to €500 per claim. Deductible: 10% to 20% of the loss with a minimum uncovered amount of €250 to €450 per claim (halved if repaired via the UnipolService network).
Glass breakage
€500 – €1,500
Only in Cristalli
Optional guarantee reimbursing the cost of replacing/repairing windscreen and cabin glass damaged or broken due to accidental causes, third-party acts, or natural events, including sensor recalibration. If repaired at a 'UnipolGlass' affiliated centre, indemnity is provided 'in forma specifica' up to €1,500 per claim with no deductible. If repaired at a different centre, indemnity is capped at €500 per claim with a €150 per claim deductible. Not payable if the loss is already indemnifiable under another guarantee in the policy (e.g. hail damage to glass, excluded here).
Natural Events
Optional
Only in Eventi Naturali
Optional guarantee indemnifying material and direct damage from flooding, storms, tsunamis, hail, landslides, avalanches, whirlwinds, hurricanes, volcanic eruption and earthquake, extended to gross negligence. Hail claims are settled 'in forma specifica' only through the 'Network specializzato grandine di UnipolService'; no indemnity is paid if repaired elsewhere or not repaired. Deductible: 10% to 20% of the loss with a minimum uncovered amount of €250 to €450 per claim (halved if repaired via UnipolService).
Vandalism and Socio-political Acts
Optional
Only in Atti vandalici e Sociopolitici
Optional guarantee indemnifying material and direct damage caused by riots, strikes, civil commotion, terrorism, sabotage and acts of vandalism. Except for total loss, indemnity is limited to repair costs actually incurred and evidenced by invoices. Not operative for damage occurring while the insured/contractor/driver took an active part in the socio-political event. Deductible: 10% to 20% with a minimum uncovered amount of €250 to €450 per claim.
Roadside Assistance
Conditional
Only in Assistenza Stradale
Optional guarantee, but automatically included if the Linear Autobox telematics device is installed under the 'Formula a Km' tariff option. Provides 24/7 immediate-aid services via UnipolAssistance for breakdown, accident, theft/robbery, flat tyre, glass breakage, running out of/wrong fuel, dead battery (including BEV traction battery) etc.: mobile workshop repairs, off-road recovery (up to €500/event), immediate towing (up to €600/event), long-distance towing (up to €500/event), replacement car, taxi service (up to €50 and 2 trips/claim, max 3 times/year), unexpected overnight stay (up to €500/event, 3 nights), vehicle recovery travel, spare-parts dispatch, driver dispatch, ambulance (up to 200 km), transfer to hospital, family member's travel (up to €250/event), and cash advances (up to €1,500 for vehicle repair, €500 for unforeseen needs, €3,000 for medical expenses).
Replacement vehicle
Optional
Only in Assistenza Stradale
Part of the Roadside Assistance guarantee: rental of a replacement car (1300-1600 cc) with unlimited mileage, starting within one month of the event, for up to 30 consecutive days in case of total theft/robbery, or 7 consecutive days in other cases when the vehicle is taken to the Society's affiliated repair network; reduced to 3 consecutive days if repaired at a non-affiliated centre (only if the centre certifies unavailability for more than 24 hours).
Driver Personal Accident
€50,000 – €100,000
Only in Infortuni del Conducente - €50.000, Infortuni del Conducente - €100.000
Optional guarantee indemnifying accidents suffered by whoever is driving the insured vehicle, in connection with circulation, including boarding/alighting and roadside breakdown operations. Two selectable sums insured for each of: Death (€50,000 or €100,000) and Permanent Disability (€50,000 or €100,000, with a 3% deductible up to 19% disability and no deductible above 19%; 100% of the sum insured paid for disability of 51% or more). Medical expenses are not reimbursed under this guarantee. Worldwide territorial scope.
Key conditions
Driver age and experience limit
'Open driving' policy: any licensed driver may drive the vehicle with no age or number-of-drivers restriction and no surcharge for newly licensed drivers. Kasko guarantees are also extended to drivers who passed the driving test but are awaiting licence issue (cover ends if not issued within 180 days of the claim) and to drivers with an expired licence, provided it is renewed within 180 days of the claim.
Repair network requirements
Claims under Fire & Theft, Natural Events, Vandalism, Kasko Collisione, Kasko Completa and Uninsured Vehicle Damage may be settled 'in forma specifica' (deductible halved) via the UnipolService affiliated repair network; Glass claims via the UnipolGlass network (higher limit, no deductible); hail claims under Natural Events must be repaired via the 'Network specializzato grandine di UnipolService' or no indemnity is paid.
Territorial scope
CVT/Kasko cover applies in Italy, Vatican City, San Marino, EU Member States, Andorra, Bosnia and Herzegovina, Montenegro, Iceland, Liechtenstein, Norway, Monaco, the United Kingdom, Serbia and Switzerland, plus other Green Card system states whose codes are not crossed out on the Green Card.
Anti-theft requirements
Not found: the terms and conditions do not state a mandatory anti-theft device as a condition for Theft/Robbery cover to be valid.
Claim notification deadline
Claims under Fire & Theft, Natural Events, Vandalism, Kasko Collisione, Kasko Completa, Glass, Unexpected Events Protection and Uninsured Vehicle Damage must be reported to Linear within 3 days of the event (sinistriposte@linear.it); Roadside Assistance must be requested from UnipolAssistance at the moment the event occurs.
Deductible rules
Fire & Theft, Natural Events and Vandalism carry a deductible ('scoperto') of 10% to 20% of the loss with a minimum uncovered amount of €250 to €450 per claim; Kasko Collisione and Kasko Completa carry a deductible of 10% to 20% with a minimum uncovered amount of €400 to €800 per claim. All these deductibles are halved if the claim is settled 'in forma specifica' through the UnipolService network. Glass carries no deductible if repaired via UnipolGlass (capped at €1,500) or a fixed €150 deductible if repaired elsewhere (capped at €500). Roadside Assistance, Unexpected Events Protection and Uninsured Vehicle Damage carry no deductible/uncovered amount.
Where to buy
Documents
DIP Danni and DIP Aggiuntivo R.C. Auto (IPID) - Ed. 02/2025
IPID
Full policy Terms and Conditions (Condizioni di Assicurazione) - Ed. 02/2025
Terms & conditions
Full policy Terms and Conditions - Ed. 10/2024
Terms & conditions
Full policy Terms and Conditions - Ed. 07/2022
Terms & conditions
Policy specifics
Theft coverage
Optional coverage protecting against total and partial theft, attempted theft, and abuse
SourceFire coverage
Optional coverage protecting against fire, lightning, explosion, and intentional fire damage by third parties
SourceComprehensive Kasko coverage
Optional own-damage coverage for collision, impact with obstacles/animals/people, road departure, rollover and vehicle transport
SourceNatural events coverage
Optional coverage for flood, storm, hail, landslide, avalanche, earthquake and similar natural events
SourceDeductible and uncovered amount
If the policy provides for deductibles, a portion of the damage (expressed as fixed amount or percentage) remains the responsibility of the insured
SourceNo subrogation clause
The insurer will not exercise the right of subrogation against the insured or third parties for certain guarantees
SourceOpen driving (all licensed drivers)
All licensed drivers may drive the vehicle without age limits or needing to be listed as drivers on the policy
Source