Poste Guidare Sicuri Casco (own-damage car insurance) (Poste Guidare Sicuri Casco)
Underwritten by Linear Assicurazioni S.p.A. · Italy
casco (own-damage car insurance) from Poste Guidare Sicuri for the Italy market, with online purchase and 24/7 assistance.
Verified Aug 31, 2026 · Terms dated 2025-02Sources
Key facts
- Poste Guidare Sicuri
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
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.
Section: 3 GARANZIE CORPI VEICOLI TERRESTRI (C.V.T.) > 3.8 Kasko Completa > Cosa assicura
La Società indennizza l’Assicurato per i danni materiali e diretti subiti dal Veicolo indicato in Polizza a seguito di collisione con altri veicoli, urto contro ostacoli fissi o mobili compreso l’urto con animali e con persone, uscita di strada, ribaltamento, rottura di ponti e di strade, cedimento del terreno e rovina di edificio, caduta di alberi o di sassi, trasporto del Veicolo con qualunque mezzo purché identificato.
Total loss settlement
80% of insured sum
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).
Section: 8 NORME CHE REGOLANO LA LIQUIDAZIONE DEI SINISTRI > 8.2.2 Determinazione dell’ammontare del danno
La Società considera “Danno Totale” la perdita del Veicolo assicurato senza ritrovamento o il danno le cui spese di riparazione sia- no pari o superiori all’80% del Valore assicurato e degli Accessori aggiuntivi non di serie.
Partial loss (repair cost)
Optional
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.
Section: 8 NORME CHE REGOLANO LA LIQUIDAZIONE DEI SINISTRI > 8.2.2 Determinazione dell’ammontare del danno
La Società riconosce l’importo relativo al “Danno Parziale”, determinato dal costo delle riparazioni e/o sostituzioni necessarie al ripristino del Veicolo indicato in Polizza, tenendo conto del Degrado d’uso.
Theft and Robbery (part of Fire and Theft guarantee)
Optional
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).
Section: 3 GARANZIE CORPI VEICOLI TERRESTRI (C.V.T.) > 3.4 Incendio e Furto > Cosa assicura
La garanzia è estesa ai danni da incendio causati da atti dolosi di terzi ed alle spese sostenute per il ripristino del locale adibito a box fino ad un massimo di € 10.000.
Glass breakage
€500 – €1.5K
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).
Section: 3 GARANZIE CORPI VEICOLI TERRESTRI (C.V.T.) > 3.9 Cristalli > Come assicura
Qualora l’Assicurato utilizzi il centro cristalli “UnipolGlass” la garanzia è prestata nella forma dell’“Indennizzo in Forma Specifica”, in virtù del quale la Società si assume sia l’onere di riparare direttamente il Veicolo danneggiato che le spese necessarie alla riparazione o sostituzione dei cristalli fino alla concorrenza di € 1.500 per Sinistro.
Natural Events
Optional
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).
Section: 3 GARANZIE CORPI VEICOLI TERRESTRI (C.V.T.) > 3.5 Eventi Naturali > Cosa assicura
A parziale deroga dell’Art. 3.2 delle Condizioni di assicurazione la Società indennizza l’Assicurato per i Danni materiali e diretti subiti dal Veicolo indicato in Polizza in conseguenza di: allagamento, alluvione, inondazione, bufera, caduta di alberi o sassi, caduta di ghiaccio, eruzione vulcanica, frana, mareggiata, maremoto, pressione della neve tempesta, slavina, smottamento del terreno, terremoto, tromba d’aria, uragano e cose da essi trasportate, valanga.
Vandalism and Socio-political Acts
Optional
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.
Section: 3 GARANZIE CORPI VEICOLI TERRESTRI (C.V.T.) > 3.6 Atti vandalici e Sociopolitici > Cosa assicura
La Società, salvo il caso di “Danno Totale”, riconosce l’Indennizzo per le sole spese di riparazione sostenute e comprovate dalla relativa documentazione fiscale.
Roadside Assistance
Conditional
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).
Section: 4 GARANZIA ASSISTENZA STRADALE > 4.5 Garanzie prestate
In caso di guasto, Incidente conseguente alla circolazione, Incendio, Furto - totale o parziale, tentato o consumato, Rapina, foratura degli pneumatici, perdita o rottura delle chiavi o dei dispositivi elettronici di apertura delle porte, mancanza di carburante, rifornimento con errato tipo di carburante, congelamento carburante, rottura cristalli, Atti di vandalismo, nevicata, accumulatore (batteria) o batteria da trazione veicoli ad alimentazione esclusivamente elettrica (Battery Electric Vehicle) scarichi, che rendano il Veicolo indisponibile o inutilizzabile, la Società, per il tramite della Centrale operativa, eroga le seguenti Prestazioni di assistenza
Replacement vehicle
Optional
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).
Section: 4 GARANZIA ASSISTENZA STRADALE > 4.5 Garanzie prestate
Noleggio di un’autovettura sostitutiva, di cilindrata compresa fra 1300 e 1600 centimetri cubici, a partire dalla data indicata dall’Assicurato, purché entro un mese dalla data dell’evento, fino ad un massimo di: 30 giorni consecutivi, in caso di Furto totale o Rapina del Veicolo; 7 giorni consecutivi, in tutti gli altri casi.
Driver Personal Accident
€50K – €100K
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.
Section: Documento informativo precontrattuale aggiuntivo R.C. Auto (DIP aggiuntivo) > Quali coperture posso aggiungere alla R.C. Auto pagando un premio aggiuntivo? > Garanzia Infortuni del conducente (opzionale) > Garanzie di base
Le garanzie prestate sono: - Morte (due massimali a scelta: € 50.000 e € 100.000); - Invalidità Permanente (due massimali a scelta: € 50.000 e € 100.000);
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.
SourceClause Art. 3.8.1Page 39/110Section: 3 GARANZIE CORPI VEICOLI TERRESTRI (C.V.T.) > 3.8 Kasko Completa > Cosa assicura
L’Assicurazione è operante: 1.in relazione ai danni verificatisi quando il Veicolo sia guidato, al momento del Sinistro, da persona che abbia superato l’esame di idoneità alla guida, ma sia in attesa del rilascio della patente, purché la stessa sia successivamente rilasciata dalle competenti Autorità entro 180 giorni dalla data del Sinistro; 2.in relazione ai danni verificatisi quando il conducente è alla guida con patente scaduta, purché la stessa sia successivamente rinnovata entro 180 giorni dalla data del Sinistro ed abiliti alla guida del Veicolo indicato in Polizza.
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.
SourceClause Art. 8.2.2Page 77/110Section: 8 NORME CHE REGOLANO LA LIQUIDAZIONE DEI SINISTRI > 8.2 Norme per le garanzie CORPI VEICOLI TERRESTRI (C.V.T.) > 8.2.2 Determinazione dell’ammontare del danno
Se l’Assicurato decide di riparare il proprio Veicolo presso un centro diverso da quelli facenti parte del “Network specializzato Grandine di UnipolService” o di non riparare il veicolo, la Società non erogherà alcun Indennizzo.
Anti-theft requirements
No anti-theft device is required for Theft/Robbery cover to be valid.
SourceClause Art. 3.4.1Page 33/110Section: 3 GARANZIE CORPI VEICOLI TERRESTRI (C.V.T.) > 3.4 Incendio e Furto > Cosa assicura
A parziale deroga dell’Art. 3.2 delle Condizioni di assicurazione, la Società indennizza l’Assicurato per i danni materiali e diretti subiti dal Veicolo indicato in Polizza a seguito di Incendio, fulmine, esplosione, scoppio ed in conseguenza di Rapina, Furto consumato o tentato.
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 ([email protected]); Roadside Assistance must be requested from UnipolAssistance at the moment the event occurs.
SourcePage Pagina 7 di 11Section: Documento informativo precontrattuale aggiuntivo R.C. Auto (DIP aggiuntivo) > Che obblighi ho? Quali obblighi ha l’impresa? > Cosa fare in caso di Sinistro?
In relazione alle garanzie Incendio e Furto, Eventi naturali, Atti vandalici e Sociopolitici, Kasko Collisione, Kasko Completa, Cristalli, Protezione imprevisti e Danni da veicoli non assicurati la denuncia deve essere fatta a Linear entro 3 giorni dalla data del sinistro ([email protected]). In relazione alla garanzia Assistenza Stradale la denuncia deve essere fatta a UnipolAssistance nel momento in cui si verifica il sinistro utilizzando il Numero Verde dedicato.
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.
SourcePage 46/110Section: 3 GARANZIE CORPI VEICOLI TERRESTRI (C.V.T.) > TABELLA RIASSUNTIVA DI MASSIMALI DI INDENNIZZO E FRANCHIGIE
Kasko Collisione Indennizzo Valore commerciale al momento del Sinistro --- da 10% e minimo non indennizzabile di € 400/ Sinistro fino ad un massimo del 20% con minimo non indennizzabile di € 800/Sinistro
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.
Territorial scope
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.
Documents
DIP Danni and DIP Aggiuntivo R.C. Auto (IPID) - Ed. 02/2025 (opens in a new tab)
Product information sheet · PDF
Full policy Terms and Conditions (Condizioni di Assicurazione) - Ed. 02/2025 (opens in a new tab)
Terms & conditions · PDF
Full policy Terms and Conditions - Ed. 10/2024 (opens in a new tab)
Terms & conditions · PDF
Full policy Terms and Conditions - Ed. 07/2022 (opens in a new tab)
Terms & conditions · PDF
Policy specifics
Theft coverage
Optional coverage protecting against total and partial theft, attempted theft, and abuse
SourceClause 3.4Page 33/110Section: 3 GARANZIE CORPI VEICOLI TERRESTRI (C.V.T.) > 3.4 Incendio e Furto
Incendio e Furto (opzionale)
Fire coverage
Optional coverage protecting against fire, lightning, explosion, and intentional fire damage by third parties
SourceClause Art. 3.4.1Page 33/110Section: 3 GARANZIE CORPI VEICOLI TERRESTRI (C.V.T.) > 3.4 Incendio e Furto > Cosa assicura
la Società indennizza l’Assicurato per i danni materiali e diretti subiti dal Veicolo indicato in Polizza a seguito di Incendio, fulmine, esplosione, scoppio ed in conseguenza di Rapina, Furto consumato o tentato.
Glass coverage
Optional coverage protecting against breakage of windshield and vehicle glass
SourceClause 3.9Page 41/110Section: 3 GARANZIE CORPI VEICOLI TERRESTRI (C.V.T.) > 3.9 Cristalli
Cristalli (opzionale)
Comprehensive Kasko coverage
Optional own-damage coverage for collision, impact with obstacles/animals/people, road departure, rollover and vehicle transport
SourceClause 3.8Page 39/110Section: 3 GARANZIE CORPI VEICOLI TERRESTRI (C.V.T.) > 3.8 Kasko Completa
Linear indennizza, fermo il limite del valore assicurato, i danni subiti dal veicolo in seguito a collisione con altri veicoli, urto contro ostacoli fissi/mobili o animali, uscita di strada, ribaltamento, trasporto del veicolo.
Natural events coverage
Optional coverage for flood, storm, hail, landslide, avalanche, earthquake and similar natural events
SourceClause 3.5Page 35/110Section: 3 GARANZIE CORPI VEICOLI TERRESTRI (C.V.T.) > 3.5 Eventi Naturali
Eventi Naturali (opzionale)
Deductible 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
SourceClause Art. 3.4.3Page 34/110Section: 3 GARANZIE CORPI VEICOLI TERRESTRI (C.V.T.) > 3.4 Incendio e Furto > Come assicura
Dall’ammontare del Danno indennizzabile è detratto lo Scoperto, il minimo non indennizzabile o la Franchigia, se pattuiti in Polizza.
No subrogation clause
The insurer will not exercise the right of subrogation against the insured or third parties for certain guarantees
SourceClause Art. 3.7.3Page 39/110Section: 3 GARANZIE CORPI VEICOLI TERRESTRI (C.V.T.) > 3.7 Kasko Collisione > Come assicura
La Società rinuncia al diritto di surrogazione (articolo 1916 del Codice civile) nei confronti del conducente e delle persone che detengono legittimamente il Veicolo.
Open driving (all licensed drivers)
All licensed drivers may drive the vehicle without age limits or needing to be listed as drivers on the policy
SourceSources
- posteinsurancebroker.poste.ithttps://posteinsurancebroker.poste.it/poste-guidare-sicuri(opens in a new tab)
- linear.ithttps://www.linear.it/extra/pdf/set_informativo_posteguidaresicuriln_auto_02-2025.pdf#page=25(opens in a new tab)
- linear.ithttps://www.linear.it/extra/pdf/set_informativo_posteguidaresicuriln_auto_02-2025.pdf#page=33(opens in a new tab)
- linear.ithttps://www.linear.it/extra/pdf/set_informativo_posteguidaresicuriln_auto_02-2025.pdf#page=34(opens in a new tab)
- linear.ithttps://www.linear.it/extra/pdf/set_informativo_posteguidaresicuriln_auto_02-2025.pdf#page=35(opens in a new tab)
- linear.ithttps://www.linear.it/extra/pdf/set_informativo_posteguidaresicuriln_auto_02-2025.pdf#page=36(opens in a new tab)
- linear.ithttps://www.linear.it/extra/pdf/set_informativo_posteguidaresicuriln_auto_02-2025.pdf#page=39(opens in a new tab)
- linear.ithttps://www.linear.it/extra/pdf/set_informativo_posteguidaresicuriln_auto_02-2025.pdf#page=54(opens in a new tab)
- linear.ithttps://www.linear.it/extra/pdf/set_informativo_posteguidaresicuriln_auto_02-2025.pdf#page=55(opens in a new tab)
- linear.ithttps://www.linear.it/extra/pdf/set_informativo_posteguidaresicuriln_auto_02-2025.pdf#page=59(opens in a new tab)
- linear.ithttps://www.linear.it/extra/pdf/set_informativo_posteguidaresicuriln_auto_02-2025.pdf#page=6(opens in a new tab)
- linear.ithttps://www.linear.it/extra/pdf/set_informativo_posteguidaresicuriln_auto_02-2025.pdf#page=64(opens in a new tab)
- linear.ithttps://www.linear.it/extra/pdf/set_informativo_posteguidaresicuriln_auto_02-2025.pdf#page=65(opens in a new tab)
- linear.ithttps://www.linear.it/extra/pdf/set_informativo_posteguidaresicuriln_auto_02-2025.pdf#page=77(opens in a new tab)
- linear.ithttps://www.linear.it/extra/pdf/set_informativo_posteguidaresicuriln_auto_02-2025.pdf#page=8(opens in a new tab)
- linear.ithttps://www.linear.it/extra/pdf/set_informativo_posteguidaresicuriln_auto_02-2025.pdf#page=9(opens in a new tab)
- linear.ithttps://www.linear.it/extra/pdf/set_informativo_posteguidaresicuriln_auto_02-2025.pdf#page=90(opens in a new tab)
Poste Guidare Sicuri Casco (own-damage car insurance)