Prima Assicurazioni S.p.A.

Kasko Completa indemnifies material and direct damage to the insured vehicle from collision with another vehicle, collision with fixed/mobile obstacles, rollover or road exit, up to the vehicle's commercial value at the time of loss, applying the deductible stated in the policy schedule; the Super tier applies wear deduction (degrado d'uso) only after 5 years from first registration. A narrower, cheaper option, Kasko Collisione (mini kasko), covers only collision with an identified third-party motor vehicle, up to €3,000 (Base) or €5,000 (Super) per claim/insurance year, with a fixed deductible of €250 (Base) or €200 (Super); it excludes rollover, road exit and collision with obstacles.

In case of Total Loss (damage equal to 100% of the vehicle's value at the time of loss per Quattroruote Professional/Infocar) or Total Theft under the purchased Danni Diretti al Veicolo guarantees (Furto e Incendio, Kasko Completa, Kasko Collisione, etc.), indemnity is paid up to the vehicle's commercial value. Valore a nuovo (replacement value) generally applies if the loss occurs within 6 months of first registration, or within 2 years specifically for the Furto e Incendio Super tier, in both cases with no deductible for the Super tier.

The Base tier indemnifies material/direct damage from total or attempted theft, robbery, fire, explosion/burst of the fuel system, and lightning strike, applying the deductible and minimum stated in the policy schedule (typically 10% of the damage, minimum €200). The Super tier removes the deductible entirely for total damage or total theft and pays replacement value if the loss occurs within 2 years of first registration; for partial damage, wear deduction applies only after 5 years. Cover operates up to the vehicle's commercial value.

The Base tier indemnifies breakage/chipping of windscreen, rear window and side windows from accidental causes or third-party acts, including ADAS recalibration costs, up to 20% of insured value with a €600 cap per claim/year, with a fixed €200 deductible for repair or replacement (waived for repair, reduced to €50 for replacement, at an affiliated Vetrocar/La clinica del parabrezza center). The Super tier raises the limit to the full insured value (max €600, or €1,000 at an affiliated center), with the same deductible rules.

The Base tier indemnifies material/direct damage from windstorms, wind-borne objects, hurricanes, floods, hail, avalanches, snow/ice fall, cyclones, typhoons, landslides and meteorite falls (verified by the nearest weather station and affecting multiple vehicles), applying a fixed €500 deductible up to a €1,250 cap; the deductible drops to €100 and the cap rises to the full insured value if repaired at an affiliated hail-repair center (Dottor Grandine / Maestri della Grandine / Lever Touch), if no such center exists within 25 km of the insured's residence, or if the damage is not caused by hail. Glass damage occurring together with bodywork damage is covered up to 20% of insured value (max €600), with reduced or no deductible at Vetrocar/La clinica del parabrezza. The Super tier applies wear deduction only after 5 years and raises the combined-glass sublimit to €1,000 at affiliated centers.

The Base tier indemnifies material/direct damage from riots, strikes, civil commotion, terrorism and willful damage, up to 50% of insured value with a €3,000 cap, applying a fixed €500 deductible. The Super tier raises the cap to €5,000 (still 50% of insured value) with the deductible reduced to €250, except arson, which is covered up to the full insured value with the same €250 deductible; wear deduction applies only after 5 years for partial damage.

The Base tier indemnifies death or permanent disability of the driver resulting from the vehicle's circulation (including while stationary or in case of sudden illness), up to the selected sum insured (€50,000 or €100,000), with permanent disability paid above a 3% deductible. The Super tier adds medical expense reimbursement up to €1,000 per claim/year (€200 deductible) and veterinary surgery reimbursement for a transported dog/cat up to €1,000 per claim/year; the €100,000 option also covers pet medical expenses. Indemnity is reduced to 70% of the sum insured if safety restraints were not used (disability deductible rises to 5% in that case). Drivers over 80 years of age are excluded.