Unipol UNICA
Unipol UNICA is a motor casco insurance for the IT market with online purchase and 24/7 assistance.
Direct payment
Claims are settled in Italy in euros within 30 days from the date the damage amount is agreed between the insurer and the insured, or from the outcome of the contractual expert procedure, subject to no indemnifiability objections and prior presentation of all required documents. For partial damages, repair via UnipolService network eliminates all deductibles and excesses. The insurer may directly arrange vehicle repair through its trusted workshop network (UnipolService) in lieu of cash indemnity with the insured's consent.
Geographic scope
IT
Italia, Repubblica di San Marino, Stato della Città del Vaticano, Stati UE e Andorra, Azerbaigian, Bosnia Erzegovina, Islanda, Liechtenstein, Moldavia, Montenegro, Norvegia, Principato di Monaco, Regno Unito, Repubblica Nord Macedonia, Serbia, Svizzera, Tunisia, Turchia, Ucraina
Unique selling points
- Kasko Plus removes the single-claim-per-year limitation of Kasko Base, covering unlimited claims in the same policy year for passenger cars.
- Choosing the 'Riparazione Diretta' option completely eliminates all deductibles and excesses when repairs are carried out at the UnipolService network of over 3,000 body shops across Italy, with repairs guaranteed for up to 10 years.
- EV and PHEV charging equipment (mobile cable and fixed home charging station) is covered for both partial and total loss under Kasko Plus up to €800 per claim/year, a differentiator not offered by standard policies.
- The Unibox telematics device (included with RCA policies) enables 24/7 automatic crash detection and roadside assistance activation, with the Unibox Safe variant allowing direct two-way communication with the assistance centre via built-in speakerphone.
- Unipol UNICA is a single modular policy covering all members of the household's contract nucleus — vehicle, home, travel, health, pets — purchasable and managed entirely online via the Unipol app or website, with no separate policy for each risk.
Coverage limits
Own Damage (Kasko Plus)
Optional
Covers material and direct damage suffered by the insured vehicle due to collision with other vehicles, impact against fixed or mobile obstacles including persons and animals, road departure, rollover, bridge or road collapse, ground subsidence, building collapse, falling trees or rocks, and transport of the vehicle by any identified means. Coverage is at commercial value without the single-claim-per-year limitation applicable to Kasko Base. Includes gross negligence of the insured, contractor and legitimate holders. Applies to passenger cars, mixed-transport vehicles, autotaxis only.
Total Loss
Optional
Total loss is defined as the loss of the insured vehicle without recovery, or damage whose repair costs equal or exceed 80% of the vehicle's commercial value (including non-standard accessories if insured) at the time of the claim. Indemnity is determined based on the commercial value (Quattroruote/Dueruote 'quotazione valore di vendita') at the time of the claim, net of any salvage value, subject to the insured value lower limit. The 'Proteggi Valore' option freezes the reference value at inception for total loss occurring within defined periods.
Partial Loss
Optional
Partial loss is defined as damage whose repair costs are below 80% of the vehicle's commercial value at the time of the claim. The indemnity is determined by the cost of repairs/replacements net of depreciation (Degrado d'uso) applied to spare parts. Depreciation percentage is calculated as the ratio of the current commercial value to the value at first registration. Under the 'Proteggi Valore' option, no depreciation is applied to spare parts for partial loss (with specific exceptions for tyres/rims after 2 years). Under the 'Riparazione Diretta' option, deductibles and excesses are eliminated when repair is carried out at an active UnipolService centre.
Theft and Robbery
Optional
Theft (Furto Base/Plus) is a separate optional coverage under the CVT section covering material and direct damage to the insured vehicle from robbery (Rapina), completed or attempted theft resulting in total loss (Base) or partial or total loss (Plus). Kasko Plus does not include theft; this must be purchased separately as Furto Base or Furto Plus. EV charging equipment covered up to €200 per claim/year under Furto Base; up to €200 under Furto Plus for partial and total loss. Saddlebags/lateral bags covered up to €400 per claim (€200 bauletto; €300 borse laterali) for motorcycles on total loss.
Glass Damage (Cristalli)
Optional
Separate optional coverage (Cristalli) covers expenses for repair or replacement of the vehicle cabin glass panels due to accidental breakage or damage from any cause including natural phenomena (including hail) and third-party acts. Available in 'Riparazione Libera' (free choice of repairer) or 'Riparazione Diretta' (obligation to use UnipolGlass centres). Under Riparazione Libera, if repair is done outside UnipolGlass: max €600 per claim with €200 deductible. Under UnipolGlass: full cover at no cost to insured. Includes ADAS sensor recalibration costs for sensors factory-fitted on the glass. Not part of Kasko Plus; must be purchased separately.
Natural Perils (Eventi Naturali)
Optional
Separate optional coverage (Eventi Naturali) covers material and direct damage to the insured vehicle from: flood, waterlogging, alluvion, storm, tidal wave, tsunami, snow pressure, falling ice, landslide, ground subsidence, avalanche, snowslide, falling trees or rocks, squall, tornado, hurricane and carried objects, volcanic eruption, earthquake. Base variant excludes hail. Media variant adds hail with a dedicated sub-limit. Plus variant adds hail at commercial value. Not part of Kasko Plus; must be purchased separately.
Vandalism and Socio-Political Events (Atti Vandalici)
Optional
Separate optional coverage (Atti Vandalici) covers material and direct damage to the insured vehicle from: disorders, strikes, riots, uprisings, acts of terrorism, sabotage, acts of vandalism. Coverage includes gross negligence. For partial damage, indemnity covers only repair costs proven by fiscal documentation. EV charging cable covered up to €200 per claim/year. Not part of Kasko Plus; must be purchased separately.
Roadside Assistance
Optional
Optional coverage (Assistenza Base or Plus) providing immediate roadside assistance 24/7 via UnipolAssistance for events including breakdown, road accident, fire, theft, robbery, tyre puncture, lost or broken keys, fuel shortage, wrong fuel, frozen fuel, broken glass, vandalism, snowfall, dead battery. Base covers Italy, San Marino, Vatican only. Plus covers the full European territory and additional listed countries. Replacement vehicle provided (up to 1600cc): 7 days for accidents (Base/Plus), up to 30 days for total theft (Plus). Towing covered up to 25 km (Base) or 35 km (Plus) to nearest approved repairer or choice of repairer; unlimited km to UnipolService approved repairer under Assistenza Extra Large.
Replacement Vehicle
Conditional
Included within the Assistenza Base and Assistenza Plus coverages. A replacement vehicle (up to 1600cc) is provided when the insured vehicle requires more than 8 consecutive hours of labour for repairs as certified by the repair centre. Under Assistenza Base: up to 7 consecutive days for road accident (if vehicle transported to UnipolService), 3 days in all other cases. Under Assistenza Plus: up to 30 days for total theft/robbery, 3 days for accident if not transported to UnipolService, 7 days in all other cases. Under Assistenza Extra Large: up to 30 days for total theft, 3 days for accident if not to UnipolService, 15 days in all other cases. Not provided when vehicle is immobilised due to hail.
Driver Accident (Infortuni del Conducente)
Optional
Optional coverage (Infortuni del Conducente Base or Plus) covering death and permanent disability of the driver. Base: operates only when the driver has total or partial responsibility for the accident. Plus: operates regardless of driver responsibility. Indemnity for permanent disability: percentage of insured sum applied per disability table (1%-100%); doubles at >95% disability. Death indemnity equals insured sum. A 30% deductible applies if safety devices (seatbelts) were not used. Optional extensions include medical expense reimbursement (Infortuni Extra Spese Mediche) via UniSalute network and daily hospitalization/immobilization allowances (Infortuni Extra Diaria). Valid worldwide (except UniSalute healthcare only in Italy).
Key conditions
driver_age_experience_limit
No explicit minimum driver age limit specified in the policy conditions. The policy operates when the vehicle is driven by a person with a valid driving licence. Coverage also applies if the driver has passed the driving aptitude test but is awaiting licence issuance, provided the licence is issued within 120 days. Applies if the driver has an expired licence provided it is renewed within 120 days. For intoxicated drivers (excluding chronic alcoholism or certified drug addiction): coverage operates only for the first claim per insurance year with an additional 5% excess and €200 minimum non-indemnifiable deductible (Kasko Plus).
repair_network_requirements
Under the 'Riparazione Diretta' tariff option, the insured is obliged to have the vehicle repaired at an 'active' UnipolService authorised repair centre (for Incendio, Furto, Atti Vandalici, Mini Kasko, Kasko, Events Naturali excluding hail) or at the 'Network specializzato grandine di UnipolService' (for hail damage). Compliance with this obligation eliminates applicable deductibles and excesses. If the insured chooses a non-conventional repairer for Incendio, Furto, Kasko, or Events Naturali (excluding hail): an additional 20% excess applies. For Atti Vandalici with a non-conventional repairer: additional 20% excess applies and no indemnity if vehicle is not repaired. Without the 'Riparazione Diretta' option, the insured may use any repairer but deductibles/excesses apply as per policy schedule.
territorial_scope
The CVT (Kasko Plus) coverage operates when the vehicle is circulating in Italy, the Republic of San Marino, the Vatican City State, EU member states, and additionally: Andorra, Azerbaijan, Bosnia and Herzegovina, Iceland, Liechtenstein, Moldova, Montenegro, Norway, Principality of Monaco, United Kingdom, North Macedonia, Serbia, Switzerland, Tunisia, Turkey and Ukraine. Coverage for Azerbaijan, Cyprus and Serbia is limited to territories under the control of their respective governments.
anti_theft_requirements
No anti-theft device is required for Kasko Plus coverage. For the Furto coverage (sold separately), an optional 'Antifurto e Localizzatore Satellitare' tariff clause allows premium reductions if a GPS/GSM/GPRS satellite tracking device meeting specified technical requirements (EU directives, CE homologation, ISO 9001) is installed by an authorised installer and a tracking service contract is active. Without a satellite tracker on Furto: deductibles/excesses apply per policy schedule. With tracker installed and conditions met: no deductible/excess applied on total theft; if certain conditions are not met a 25% contractual excess is added.
claim_notification_deadline
The insured must report the claim to the insurer immediately and in any case within 3 days of the event or from when they became aware of it, providing all useful information and documentation (Art. 1913 Civil Code). Failure to comply may result in total or partial loss of indemnity entitlement (Art. 1915 Civil Code). For theft, robbery, misappropriation, fire and vandalism, a police report (denuncia) must also be filed and a copy sent to the insurer. Claim reports are considered complete only upon receipt of all required documentation. Without the 'Riparazione Diretta' option, the insured must not repair the vehicle before receiving the insurer's consent (within 8 working days of claim receipt).
deductible_rules
Kasko Plus: deductibles (Franchigie), excesses (Scoperti) and minimum non-indemnifiable amounts (Minimi non indennizzabili) are indicated in the policy schedule. Typical Kasko deductibles range from a minimum of €300 to a maximum of €1,500 per claim (scoperto range 10%-25%). For drunk/drugged driving (excluding chronic alcoholism): an additional 5% scoperto with €200 minimum non-indemnifiable applies, operative for first claim only per year. Under 'Riparazione Diretta' option at an active UnipolService centre: deductibles and excesses are fully eliminated. Under 'Riparazione Diretta' at a non-UnipolService repairer: an additional 20% excess applies on top of existing deductible. Proportional rule applies when insured value covers less than 90% of commercial value; does not apply if insured value equals the purchase invoice amount.
Where to buy
Policy specifics
Kasko Base coverage
Covers vehicle damage from collision and other accidental circulation events with specific deductibles and first claim limitation for certain vehicle types
Kasko Plus coverage
Extended kasko coverage providing broader protection for vehicle damage from various accidental events beyond basic kasko
Mini Kasko coverage
Limited comprehensive coverage for vehicle damage covering collision with identified vehicles and certain accidental events, with specific deductible conditions
Protective motorcycle equipment coverage
Coverage for helmet, protective jacket, and back protector damage on motorcycles and scooters under Mini Kasko Extra variant
Electric vehicle charging equipment coverage
Coverage for damage to vehicle charging equipment for electric vehicles under Kasko Plus variant
Intoxicated driver coverage limitation
For Kasko and Mini Kasko, coverage applies only to one claim per insurance year if driver is intoxicated, with additional deductible of €200 minimum
First claim only limitation for passenger vehicles
Under Kasko Base for passenger cars, auto-taxis and similar vehicles, coverage operates only for the first reported claim within the insurance year
Excluded damage types under Kasko variants
Mini and full Kasko exclude damages from irregular towing, manual pushing, off-road driving, unqualified drivers, intoxication, loading/unloading operations, airbag deployment, wheel damage without other vehicle damage, and known construction defects