Unipol Assicurazioni S.p.A.

Kasko covers material and direct damage to the insured vehicle from collision with other vehicles, impact with fixed or mobile obstacles (including persons and animals), leaving the road, overturning, falling trees/stones and similar events, indemnified on a Valore commerciale basis (capped by the insured sum). For cars, mixed-use vehicles and taxis, Kasko Base applies only to the first claim reported per insurance year; Kasko Plus removes this limitation and covers gross negligence without restriction. For BEV/PHEV vehicles, charging equipment (mobile cable/charger and fixed wallbox) is covered up to €800 per claim/year.

Total loss is loss of the vehicle without recovery, or damage where repair costs equal or exceed 80% of the vehicle's commercial value. Indemnity is based on commercial value at the time of loss (Quattroruote/Dueruote listings, or Eurotax if unlisted), net of salvage value, capped by the insured sum. Under the Valore bloccato option (available with Kasko Plus/Mini Kasko Plus), if total loss occurs within 2 years of first registration, indemnity is based on the purchase/invoice value instead of the depreciated commercial value.

Partial loss (repair costs below 80% of commercial value) is indemnified for repair/replacement costs with wear-and-tear depreciation (Degrado d'uso) applied to spare parts and, for cars, to wheels/tyres after 2 years from first registration (fixed 30%). Under the Proteggi Valore option, no wear deduction applies to labour, and parts depreciation is reduced (30% fixed for wheels after 2 years; 10%/year up to 50% for mechanical parts).

Furto Base covers total loss of the vehicle from theft, attempted theft or robbery, indemnified up to the commercial/insured value; Furto Plus extends cover to partial damage. A deductible (scoperto) of 0-20% applies with a minimum non-indemnifiable amount of at least €1,500 per claim. Sub-limits: pannier/topcase up to €400 per claim (€200 topcase/€300 panniers), EV charging cable up to €200 per claim/year. Furto Extra - Appropriazione indebita extends cover to embezzlement.

Covers windscreen/glass damage from accidental causes, third-party acts or natural events (including hail). If repaired at an UnipolGlass network centre, costs are reimbursed in full with no deductible (10-year warranty on installation defects). If repaired at a non-network centre, cover is capped at €600 per claim with a €200 deductible. For camper plexiglass windows, cover is capped at €600 per claim with a €100 deductible. ADAS sensor recalibration is included.

Covers flood, storm, earthquake, landslide, avalanche, falling trees/ice, hurricane and similar events up to the insured sum. Eventi Naturali Base excludes hail; Eventi Naturali Media covers hail up to a dedicated sum stated in the policy schedule; Eventi Naturali Plus covers hail without a separate sub-limit. A deductible from 10% (min €200) to 20% (min €700) applies; deductibles are eliminated or halved under Riparazione Diretta depending on the repair network used.

Covers damage from riots, strikes, terrorism, sabotage and vandalism up to the insured sum, provided partial damage is actually repaired and supported by tax documentation. EV charging cable damage from vandalism is covered up to €200 per claim/year. A deductible from 10% (min €200) to 20% (min €700) applies; eliminated under Riparazione Diretta if repaired at an UnipolService network workshop.

24/7 roadside assistance (breakdown, accident, theft/fire, flat tyre, lost keys, fuel issues, glass breakage, vandalism, flat battery) via the UnipolAssistance operations centre, active 24 hours a day, every day of the year. Covers on-site repair, recovery from off-road position, and vehicle/passenger transport and towing, with cost ceilings varying by formula and vehicle weight: Assistenza Base transport & custody up to €200-€1,000 per claim; Assistenza Plus up to €600-€3,000; Assistenza Extra Large (cars only) up to €2,000.