Motor third-party liability — Italy

[1] Bodily injury liability: €6,450,000 ↩

The insurer indemnifies damages up to the amount stated in the policy; by law, the minimum limit per claim is €6,450,000 for personal injury, regardless of the number of victims involved.

[2] Property damage liability: €1,300,000 ↩

By law, the minimum limit per claim is €1,300,000 for property damage, regardless of the number of items/people involved.

[3] Legal defence: Excluded ↩

The Contratto Base (DM 54/2020) product only provides the mandatory RC Auto liability guarantee; legal defence is not among the limited set of endorsements (guida esperta, increase of legal minimum limits, waiver of recourse) that can be added to this specific product.

[4] Green card: Covered ↩

The International Insurance Certificate (Green Card) extends RC Auto coverage to the EEA states plus Monaco, Switzerland, Andorra, Serbia and Bosnia and Herzegovina, as stated in the policy's territorial validity.

[5] Passenger accident: Excluded ↩

A dedicated lump-sum passenger accident guarantee is not included in the Contratto Base; injured third-party passengers are compensated under the bodily injury liability guarantee, not via a separate accident benefit.

[6] Bodily injury liability: €6,500,000 ↩

Mandatory third-party liability cover for bodily injury, up to the legal minimum limit of €6,500,000 per claim regardless of the number of victims; higher limits can be selected against an additional premium (Aumento Massimali minimi di Legge).

pari a 6.500.000 euro per sinistro riguardante i danni alle cose e 6.500.000 euro per sinistro riguardante le persone, indipendentemente dal numero di vittime

[7] Property damage liability: €6,500,000 ↩

Mandatory third-party liability cover for property damage, up to the legal minimum limit of €6,500,000 per claim; higher limits can be selected against an additional premium (Aumento Massimali minimi di Legge).

pari a 6.500.000 euro per sinistro riguardante i danni alle cose e 6.500.000 euro per sinistro riguardante le persone, indipendentemente dal numero di vittime

[8] Legal defence: Covered ↩

Allianz Direct manages out-of-court and court proceedings against third parties on the policyholder's behalf and provides criminal defence until claimants are settled; no separate monetary limit is stated for this element of RCA. A broader optional Tutela Legale add-on with its own sub-limits (e.g. legal fees, expert fees, up to €200 for registration of judicial acts) can be purchased separately.

Noi di Allianz Direct, dopo averti avvisato, potremmo procedere, fino a quando opportuno, a tuo nome (Assicurato), alla gestione stragiudiziale e giudiziale delle vertenze nei confronti di terzi in qualunque sede nella quale si discuta del risarcimento del danno, incaricando, ove occorra, legali o tecnici.

[9] Green card: Covered ↩

Issued automatically with the policy and valid for the same period, extending RCA cover to Italy, Vatican City, San Marino, Monaco, and other EEA/Green Card system states (incl. UK, Switzerland, Andorra, Serbia, Montenegro, Bosnia and Herzegovina); not valid in states whose codes are crossed out on the certificate (e.g. Albania, Azerbaijan, Belarus, Iran, North Macedonia, Moldova, Morocco, Russia, Tunisia, Türkiye, Ukraine).

L'assicurazione non vale per gli Stati le cui sigle internazionali indicate sul Certificato internazionale di circolazione (ex Carta Verde) siano barrate.

[10] Passenger accident: Covered ↩

There is no separate passenger-accident sum insured: passengers injured in an accident are covered as 'third parties' under the mandatory RCA guarantee, up to the bodily-injury massimale, except for the driver responsible for the accident. The optional Infortuni del Conducente add-on explicitly excludes transported persons.

Causati alle persone trasportate e alle loro cose

[11] Bodily injury liability: €6,450,000 – €25,000,000 ↩

Mandatory RCA cover for bodily injury involuntarily caused to third parties. The statutory minimum is a bipartite limit: €6,450,000 per claim for injury to persons (out of a combined minimum of €7,750,000 that also includes €1,300,000 for property damage). Higher single combined limits of €10,000,000, €15,000,000 or €25,000,000 may be selected and are stated on the policy schedule.

[12] Property damage liability: €1,300,000 – €25,000,000 ↩

Mandatory RCA cover for property damage involuntarily caused to third parties. The statutory minimum is a bipartite limit: €1,300,000 per claim for property damage (out of a combined minimum of €7,750,000 that also includes €6,450,000 for personal injury). Higher single combined limits of €10,000,000, €15,000,000 or €25,000,000 may be selected and are stated on the policy schedule.

[13] Legal defence: €25,000 ↩

Optional guarantee, managed by ARAG, covering legal fees and related costs (lawyer's fees, expert fees, court costs, mediation and arbitration expenses) for extrajudicial and judicial disputes connected with the circulation of the vehicle, up to €25,000 per event, extended to the policyholder's cohabiting family members when involved as pedestrians, cyclists or passengers. A separate sub-limit of €5,000 per event applies to 'atto di pirateria stradale' investigation costs.

[14] Green card: Covered ↩

The International Motor Insurance Certificate extends the mandatory RCA cover to circulation in the countries party to the Green Card system whose international code on the certificate is not crossed out; it is valid for the same period as the underlying policy and no separate monetary limit or fee is stated.

[15] Passenger accident: See details ↩

Not offered as a distinct personal-accident benefit for passengers; the Infortuni del Conducente guarantee applies exclusively to the driver of the insured vehicle. Liability for personal injury to transported persons is instead covered under the mandatory RCA guarantee (RC dei trasportati), which is third-party liability, not a passenger-accident indemnity.

[16] Bodily injury liability: €6,070,000 ↩

The statutory minimum liability limit for personal injury caused to third parties is EUR 6,070,000 per claim, regardless of the number of people involved in the accident (combined with the property-damage floor this equals the EUR 7,290,000 aggregate statutory minimum stated elsewhere in the policy documentation); higher limits can be purchased for an additional premium.

La legge prevede un massimale minimo per danni alla persona di Euro 6.070.000 e di Euro 1.220.000 per danni alle cose, indipendentemente dal numero delle persone coinvolte nel sinistro.

[17] Property damage liability: €1,220,000 ↩

The statutory minimum liability limit for property damage caused to third parties is EUR 1,220,000 per claim, regardless of the number of people involved in the accident (combined with the personal-injury floor this equals the EUR 7,290,000 aggregate statutory minimum stated elsewhere in the policy documentation); higher limits can be purchased for an additional premium.

La legge prevede un massimale minimo per danni alla persona di Euro 6.070.000 e di Euro 1.220.000 per danni alle cose, indipendentemente dal numero delle persone coinvolte nel sinistro.

[18] Legal defence: — ↩

Optional guarantee covering legal and out-of-court defence costs following a covered accident. If the policyholder chooses their own lawyer, the insurer covers costs up to EUR 5,000; if the policyholder accepts the lawyer indicated by the insurer, the costs of that professional assistance are covered with no monetary limit.

SPESE GIUDIZIALI E STRAGIUDIZIALI CON SCELTA DEL LEGALE DA PARTE DELL'ASSICURATO EURO 5.000 ... SPESE GIUDIZIALI E STRAGIUDIZIALI CON LEGALE INDICATO DALL'IMPRESA ILLIMITATO

[19] Green card: Covered ↩

The Green Card is issued together with the insurance certificate at no extra cost for circulation in the standard listed territories; it is valid for the period stated on it and, if it expires together with the insurance period, cover extends for up to 15 additional days under Art. 1901 of the Civil Code provided the risk is not otherwise covered. Extension of cover to further Green Card system states not automatically included requires issuance of the certificate and payment of an additional premium.

L'assicurazione copre anche negli Stati facenti parte del sistema delle Carta Verde riportati nel Certificato Internazionale di Assicurazione (Carta Verde), che viene rilasciato insieme al Certificato di assicurazione.

[20] Passenger accident: Excluded ↩

There is no standalone personal accident guarantee for transported passengers as there is for the driver. Transported passengers are indemnified only as third parties under the compulsory RCA guarantee within the statutory liability limits (including via the third-party-transported compensation procedure under Art. 141 of the Private Insurance Code), not as a dedicated accident benefit.

L'assicurazione riguarda esclusivamente gli infortuni connessi alla circolazione dell'autovettura assicurata indicata in polizza. La garanzia è operante nei confronti del conducente, chiunque esso sia, purché munito di regolare patente ed autorizzato dal proprietario dell'autovettura.

[21] Bodily injury liability: €6,450,000 ↩

Italian law sets a minimum MTPL limit of €6,450,000 per claim for injury to persons, regardless of the number of people involved; higher limits can be agreed against an additional premium.

Per la garanzia R.C.A. la legge prevede un massimale minimo per sinistro di € 6.450.000,00 per danni alle persone ed € 1.300.000,00 per danni alle cose indipendentemente dal numero di persone coinvolte nel sinistro; tuttavia, è possibile concordare massimali di importo superiore.

[22] Property damage liability: €1,300,000 ↩

Italian law sets a minimum MTPL limit of €1,300,000 per claim for property damage, regardless of the number of people involved; higher limits can be agreed against an additional premium.

Per la garanzia R.C.A. la legge prevede un massimale minimo per sinistro di € 6.450.000,00 per danni alle persone ed € 1.300.000,00 per danni alle cose indipendentemente dal numero di persone coinvolte nel sinistro; tuttavia, è possibile concordare massimali di importo superiore.

[23] Legal defence: Optional ↩

Legal protection services covering attorney costs for disputes connected with the use of the vehicle; included as a standard benefit in all three Autotutela packages (Small, Medium, Large), even the entry-level Small package.

Optional coverage providing legal support and attorney fees for disputes arising from vehicle use

[24] Green card: Unlimited ↩

The Green Card is the international insurance certificate attesting validity of the mandatory MTPL cover abroad, issued under the responsibility of the national insurance bureau (in Italy, UCI); it is automatically part of the RC Auto contract and is not needed for circulation within the EU, whose territorial validity is already included.

[25] Passenger accident: See details ↩

[26] Bodily injury liability: Covered ↩

Mandatory statutory minimum coverage of EUR 6,450,000 per incident for bodily injury regardless of the number of victims. For airport circulation areas, coverage applies with a maximum limit of EUR 10,000,000 per incident.

[27] Property damage liability: €1,300,000 ↩

Mandatory statutory minimum coverage of EUR 1,300,000 per incident for property damage regardless of the number of claimants. For fire/explosion of vehicle in private areas (Ricorso terzi da incendio), the coverage applies up to a maximum of EUR 700,000 per incident.

[28] Legal defence: Optional ↩

Legal Defence: limit as stated in the policy per claim (variable). Covers extrajudicial and judicial interests following an incident during circulation; extends to proceedings related to Wall Box (EV charger) installation. Not operative if the vehicle is not covered by MTPL, the driver is not licensed to drive, in unauthorized races, or socio-political events.

[29] Green card: Unlimited ↩

The Green Card (international insurance certificate) is issued by AXA upon request and extends MTPL coverage to Italy, Vatican City, San Marino, Switzerland, Monaco, Andorra, Serbia, EEA states, and other Green Card system countries whose international codes are not crossed out. Coverage operates within the limits of national compulsory insurance legislation of each territory.

[30] Passenger accident: Covered ↩

Included within the mandatory MTPL base coverage: civil liability of transported passengers for involuntary damages caused to third parties during vehicle circulation. Passengers are not considered third parties among themselves. Also includes coverage for transported wheelchair users in special vehicles for disabled persons, including boarding/alighting with mechanical aids.

[31] Bodily injury liability: €6,450,000 ↩

Statutory minimum per claim is €6,450,000 for personal injury, regardless of the number of persons involved; the policy can be underwritten for higher limits against an additional premium.

La legge prevede un massimale minimo per sinistro di 6 milioni e 450 mila euro per i danni alla persona e di 1 milione e 300 mila euro per i danni alle cose, indipendentemente dal numero di persone coinvolte nel sinistro.

[32] Property damage liability: €1,300,000 ↩

Statutory minimum per claim is €1,300,000 for property damage, regardless of the number of persons involved; higher limits available for an additional premium.

La legge prevede un massimale minimo per sinistro di 6 milioni e 450 mila euro per i danni alla persona e di 1 milione e 300 mila euro per i danni alle cose, indipendentemente dal numero di persone coinvolte nel sinistro.

[33] Legal defence: €15,000 ↩

Optional guarantee, up to €15,000 per claim, covering legal costs and non-recoverable costs of the counterparty for the insured's defence in extrajudicial and judicial proceedings connected to the circulation of the insured vehicle, managed by AXA Partners Italia (formerly AXA Assistance).

l’Impresa, alle condizioni di seguito indicate e nel limite di € 15.000,00 per sinistro, assicura la Tutela Legale, compresi i relativi oneri non ripetibili della controparte

[34] Green card: Covered ↩

Issued free of charge together with the insurance certificate on request; extends R.C.A. cover to the foreign states listed on the certificate whose international code is not crossed out.

Se lo desideri, puoi ricevere via posta la carta verde. L'assicurazione vale per gli stati non barrati sulla carta verde.

[35] Passenger accident: See details ↩

No dedicated passenger-accident guarantee is offered; passengers injured in an accident are compensated as third parties under the mandatory R.C.A. liability cover (per art. 141 of the Codice delle Assicurazioni), not under a standalone accident benefit.

Se il sinistro comporta lesioni ai passeggeri del veicolo assicurato, il danneggiato deve inviare la richiesta di risarcimento direttamente al Servizio Sinistri QUIXA, con raccomandata a/r.

[36] Bodily injury liability: €7,750,000 ↩

Combined minimum per-claim limit of €7,750,000 for RCA liability (bodily injury and property damage together), regardless of the number of people involved in the accident; higher limits can be agreed for an additional premium. Also covers indemnification of the injured third-party passenger (art. 141 Codice delle Assicurazioni) up to the minimum legal limit.

[37] Property damage liability: €1,300,000 ↩

Italian law sets the statutory minimum per-claim limit for RCA liability as a bipartite massimale split into €6,450,000 for bodily injury and €1,300,000 for property damage, regardless of the number of people involved in the accident; higher limits can be agreed for an additional premium.

€ 7.750.000 MINIMO DI LEGGE: € 6.450.000 per danni a persone / € 1.300.000 per danni a cose

[38] Legal defence: €30,000 – €50,000 ↩

Optional legal protection cover (Light or Full formula) reimbursing legal, expert, investigative and court costs related to circulation of the insured vehicle, with a policy limit selectable between €30,000 and €50,000 per claim, unlimited per year; an optional extension for electric/plug-in hybrid vehicles is available with a fixed limit of €30,000.

[39] Green card: Covered ↩

BCC Assicurazioni is required to issue the Green Card (international motor insurance certificate) at no separate charge, valid in Italy, Vatican City, San Marino, EU member states, Norway, Iceland, Serbia, Switzerland, Liechtenstein, Andorra, Monaco, Bosnia-Herzegovina, UK, Montenegro and other Green Card system countries not crossed out on the card.

[40] Passenger accident: See details ↩

No dedicated passenger accident cover; injured passengers are compensated as third parties under the RCA cover. A separate driver accident cover is available.

[41] Bodily injury liability: €6,450,000 ↩

Covers amounts due as compensation for personal injury caused involuntarily to third parties by the insured vehicle, up to the legal minimum limit of €6,450,000 per claim regardless of the number of victims.

Euro 6.450.000 per i danni alla persona, indipendentemente dal numero delle vittime;

[42] Property damage liability: €1,300,000 ↩

Covers amounts due as compensation for damage to third-party property caused involuntarily by the insured vehicle, up to the legal minimum limit of €1,300,000 per claim regardless of the number of parties affected.

Euro 1.300.000 per i danni alle cose, indipendentemente dal numero dei danneggiati.

[43] Legal defence: Excluded ↩

The Contratto Base product does not include any accessory guarantees such as legal protection; it provides only the compulsory motor liability cover at the legal minimum limits.

Non sono previste garanzie accessorie.

[44] Green card: Covered ↩

The insurer is required to issue the Green Card free of charge, extending the compulsory liability cover to the countries listed on the certificate whose country codes are not crossed out; it is valid for the same period as the policy premium paid and must be returned immediately if the policy ceases to be valid before the Green Card's stated expiry.

L'assicurazione vale altresì per il territorio degli altri Stati le cui sigle internazionali indicate sulla Carta Verde non siano barrate. L'Impresa è tenuta a rilasciare la Carta Verde.

[45] Passenger accident: Covered ↩

Persons transported in the insured vehicle are treated as 'terzi danneggiati' (injured third parties) and are entitled to compensation for personal injury within the same bodily injury liability limit of €6,450,000; there is no separate personal-accident sum insured for passengers under this product.

I soggetti, sia trasportati sia non trasportati, aventi diritto al risarcimento dei danni subiti a seguito di incidente.

[46] Bodily injury liability: Covered ↩

Covers damages involuntarily caused to third parties by the circulation of the insured vehicle when used in conformity with its function as a means of transport. The statutory minimum limit for bodily injury is €6,450,000 per claim; the policyholder may choose higher limits against payment of a higher premium.

[47] Property damage liability: Covered ↩

Covers damages involuntarily caused to third parties' property by the circulation of the insured vehicle. The statutory minimum limit for property damage is €1,300,000 per claim; higher limits may be contracted.

[48] Legal defence: €25,000 – €100,000 ↩

Optional coverage providing legal defence of the insured in relation to the ownership, leasing, driving and road use of the insured vehicle. Available in two alternative forms: Forma Base (limit €25,000 per claim) or Forma Gold (limit €40,000 or €100,000 per claim, policyholder's choice). An additional Tutela Legale Forma Aiuto Multe is available for traffic-fine proceedings, purchasable only if the Jeniot telematics device is installed.

[49] Green card: Unlimited ↩

The policy includes the international insurance certificate (ex Green Card) for all countries listed and not crossed out on the certificate. When circulating abroad, the R.C.A. guarantee operates according to the conditions and within the limits of the individual national legislations, subject to any greater guarantees provided by the policy.

[50] Passenger accident: Optional ↩

Optional accident coverage that can be extended to passengers (Forma Trasportati) or to both driver and passengers (Forma Completa). The insured sum per person is calculated by dividing the total insured sum indicated in the policy by the number of approved seats (excluding the driver's seat for Forma Trasportati). The base guarantee always includes Permanent Disability (IP). The same optional extensions as the driver form are available.

[51] Bodily injury liability: Covered ↩

Mandatory liability cover for injuries caused to third parties by the circulation of the insured vehicle, operative up to the massimali agreed and stated in the individual policy schedule; Italian law sets a statutory minimum of €6,450,000 per claim for bodily injury, regardless of the number of people involved in the accident.

La legge prevede un massimale minimo per sinistro di 6 milioni e 450 mila euro per i danni alla persona e di 1 milione e 300 mila euro per i danni alle cose, indipendentemente dal numero di persone coinvolte nel sinistro.

[52] Property damage liability: Covered ↩

Mandatory liability cover for property damage caused to third parties by the circulation of the insured vehicle, up to the limit in the policy schedule; the legal minimum is €1,300,000 per claim, regardless of the number of people involved in the accident.

La legge prevede un massimale minimo per sinistro di 6 milioni e 450 mila euro per i danni alla persona e di 1 milione e 300 mila euro per i danni alle cose, indipendentemente dal numero di persone coinvolte nel sinistro.

[53] Legal defence: Optional ↩

Optional add-on providing extrajudicial and judicial legal assistance to protect the insured's interests following a road accident, and criminal defence if the insured is investigated or charged; claims are managed by D.A.S. Difesa Automobilistica Sinistri S.p.A. and legal costs are covered within the policy limit, with no specific ceiling figure stated in the sources.

Genertel fornisce al proprietario, al locatario in caso di leasing o al conducente: a) l’assistenza stragiudiziale e giudiziale necessaria alla sua tutela in sede civile...

[54] Green card: Covered ↩

The international insurance certificate (ex Green Card) is issued to the policyholder as a standard document at contract stipulation, together with the certificate of insurance, and proves RC Auto cover abroad in the countries listed and not crossed out on the certificate.

“Certificato internazionale di assicurazione - ex Carta Verde”: il documento che attesta che il veicolo è assicurato per la responsabilità civile obbligatoria anche all’estero, nei paesi di cui riporta la sigla non barrata;

[55] Passenger accident: Excluded ↩

There is no stand-alone personal-accident benefit for passengers. Genertel's 'Sicurezza comunque' extension (Art. 1.2) covers liability for damage a passenger involuntarily causes to third parties ('Responsabilità Civile dei terzi trasportati'); it does not compensate the passenger's own injuries. An injured passenger is compensated as a third party under the mandatory RC Auto guarantee.

Oltre alla Responsabilità Civile obbligatoria Genertel assicura, con lo stesso massimale e senza aumento del premio, i danni causati involontariamente a terzi che derivano: a) dal gancio di traino del veicolo assicurato; b) da un passeggero del veicolo (c.d. “Responsabilità Civile dei terzi trasportati”).

[56] Bodily injury liability: €6,450,000 – €50,000,000 ↩

Mandatory third-party motor liability cover for bodily injury, with a customer-selectable limit starting from a minimum of €6,450,000, with optional higher limits of €10,000,000, €25,000,000, or a combined single €50,000,000 ceiling (unified for persons and property), for an additional premium.

ll massimale minimo è di € 6.450.000 per danni a persone e di € 1.300.000 per danni a cose. Con un sovrappremio sono disponibili i seguenti massimali opzionali: • € 10.000.000 per danni a persone e € 5.000.000 per danni a cose; • € 25.000.000 per danni a persone e € 10.000.000 per danni a cose; • € 50.000.000 unico per danni a persone e a cose.

[57] Property damage liability: €1,300,000 – €50,000,000 ↩

Mandatory third-party motor liability cover for property damage, with a minimum limit of €1,300,000, and optional higher limits of €5,000,000, €10,000,000, or a combined single €50,000,000 ceiling (unified for persons and property), for an additional premium.

ll massimale minimo è di € 6.450.000 per danni a persone e di € 1.300.000 per danni a cose. Con un sovrappremio sono disponibili i seguenti massimali opzionali: • € 10.000.000 per danni a persone e € 5.000.000 per danni a cose; • € 25.000.000 per danni a persone e € 10.000.000 per danni a cose; • € 50.000.000 unico per danni a persone e a cose.

[58] Legal defence: €10,000 – €40,000 ↩

Optional legal protection cover for stragiudiziale/giudiziale assistance connected to the vehicle, offered at four selectable levels: Base (€10,000 limit), Super (€20,000), Premium (€30,000) and Top (€40,000), each with progressively broader scope (e.g. civil disputes, EV/hybrid charging disputes, licence point recovery costs).

[59] Green card: Covered ↩

The Green Card is issued with the policy and is valid for the period for which the premium has been paid, covering circulation in EU/EEA countries and other states not crossed out on the card.

La Carta Verde è valida per il periodo di assicurazione per il quale è stato pagato il Premio.

[60] Passenger accident: See details ↩

The policy documentation does not describe a stand-alone personal-accident benefit for transported passengers; only third-party liability for damages caused by passengers, and RCA-based compensation to injured passengers under art. 141 of the Insurance Code, are covered.

I danni subiti dai terzi trasportati a bordo del veicolo saranno risarciti direttamente dalla Compagnia, secondo quanto previsto dall’art. 141 del Codice delle Assicurazioni Private.

[61] Bodily injury liability: €6,450,000 ↩

The law sets a minimum per-claim limit of €6,450,000 for bodily injury caused to third parties under compulsory MTPL cover; higher limits can be agreed with the Company by paying a higher premium.

La legge prevede un massimale minimo per sinistro di 6.450.000 € per danni alla persona e di 1.300.000 € per danni alle cose.

[62] Property damage liability: €1,300,000 ↩

The law sets a minimum per-claim limit of €1,300,000 for property damage caused to third parties under compulsory MTPL cover; higher limits can be agreed with the Company by paying a higher premium.

La legge prevede un massimale minimo per sinistro di 6.450.000 € per danni alla persona e di 1.300.000 € per danni alle cose.

[63] Legal defence: €25,000 – €50,000 ↩

Optional legal expenses cover for the insured's judicial and extrajudicial defence following a covered event, managed by ARAG SE, offered in a Formula Base (€25,000 limit per claim) and a Formula Super (€50,000 limit per claim), each with no limit on the number of claims per year.

GARANZIA TUTELA LEGALE (opzionale) Assicura l'assistenza giudiziale e stragiudiziale necessaria a tutela dei diritti dell'Assicurato conseguente ad un sinistro rientrante in garanzia. Sono previste due formule di garanzia -Formula Base (Massimale € 25.000)... -Formula Super (Massimale € 50.000)

[64] Green card: Covered ↩

Cover automatically extends to the states listed and not crossed out on the international insurance certificate (Green Card). If the underlying policy is cancelled or suspended, the Company still guarantees Green Card operability until a new policy for the same risk takes effect, and in any case no later than 24:00 on the 15th day following expiry.

Vale anche negli Stati elencati e non barrati sul certificato internazionale di assicurazione (Carta Verde).

[65] Passenger accident: See details ↩

No standalone passenger (third-party occupant) personal accident guarantee is offered on this product; injuries to passengers are only addressed within the standard MTPL third-party liability extensions and the driver-only accident guarantee.

[66] Bodily injury liability: €6,450,000 ↩

ITAS Mutua covers civil liability for compulsory motor insurance up to the single combined limit per claim agreed and stated in the individual policy schedule; this single limit covers both bodily injury and property damage to third parties, including transported persons regardless of the title of transport. If the agreed limit exceeds EUR 11,000,000, damages caused by circulation in airport areas are covered up to a maximum of EUR 11,000,000.

I massimali convenuti in polizza, sono espressi convenzionalmente in massimale unico per sinistro: per tale massimale l'assicurato è coperto per i danni alle persone e alle cose fermi restando, se tale importo è superato, i massimali minimi di legge, ossia € 6.450.000,00 per danni a persone e € 1.300.000,00 per danni a cose (art. 128 del Codice delle Assicurazioni private).

[67] Property damage liability: €1,300,000 ↩

Property damage to third parties is covered under the same single combined per-claim limit agreed and stated in the individual policy schedule as bodily injury liability; the policy also covers direct damage caused by circulation in private areas.

I massimali convenuti in polizza, sono espressi convenzionalmente in massimale unico per sinistro: per tale massimale l'assicurato è coperto per i danni alle persone e alle cose fermi restando, se tale importo è superato, i massimali minimi di legge, ossia € 6.450.000,00 per danni a persone e € 1.300.000,00 per danni a cose (art. 128 del Codice delle Assicurazioni private).

[68] Legal defence: €100,000 ↩

Legal protection is an optional section purchasable only together with the MTPL guarantee. 'Tutela legale base' covers judicial and extra-judicial assistance for accident-related claims and criminal defence, with the sum insured per claim indicated in the policy; contractual disputes over EUR 500 are covered up to EUR 10,000 per year, and expert/technical consultant costs for insured boats up to EUR 15,000 per year. The optional 'Tutela legale estesa' extends worldwide coverage and additional protections up to EUR 100,000 (also valid for the base guarantee). A free annual legal consultation via the ITAS App is included.

4.2 Tutela legale estesa 100.000 euro (massimale valido anche per le coperture previste dalla garanzia Tutela legale base)

[69] Green card: Covered ↩

The policy is valid, without a monetary sub-limit, in Italy, Vatican City, San Marino, EU states, and other listed states, plus any other state whose international code on the Green Card certificate is not crossed out. ITAS Mutua issues the Green Card certificate on the policyholder's request; it is valid for the same period for which the premium or premium instalment has been paid.

L'assicurazione vale anche per il territorio degli altri Stati le cui sigle internazionali indicate sul Certificato internazionale di Assicurazione ("Carta Verde") non siano barrate. ITAS Mutua rilascia tale certificato a richiesta del contraente.

[70] Passenger accident: Covered ↩

The base MTPL guarantee includes liability for bodily injury caused to transported persons, whatever the title of their transport, within the single combined limit per claim stated in the policy; this is not a separate accident sum but part of the RCA liability limit.

L'assicurazione comprende la responsabilità per i danni alla persona causati ai trasportati, qualunque sia il titolo in base al quale è effettuato il trasporto.

[71] Bodily injury liability: €6,450,000 ↩

Statutory per-claim minimum under Italian law (D.Lgs. 209/2005) for injury to third parties, regardless of the number of people involved in the accident; the applicable limits are those agreed and stated in the policy schedule (Scheda di Polizza).

Oltre alla Responsabilità Civile Autoveicoli ( assicurazione R.C. Auto ), che è obbligatoria per legge e ti assicura per i danni causati a terzi durante la circolazione

[72] Property damage liability: €1,300,000 ↩

Statutory per-claim minimum under Italian law (D.Lgs. 209/2005) for damage to third-party property, regardless of the number of people involved; the applicable limits are those agreed and stated in the policy schedule.

[73] Legal defence: €20,000 – €25,000 ↩

Optional legal protection add-on offered in two formulas (Basic and Premium) with increasing benefits. Basic covers up to EUR 20,000 for claiming compensation for extra-contractual damage caused by third parties, including criminal defence for negligence-related offences and contraventions connected to road accidents; this limit is raised to EUR 50,000 for criminal defence in cases of vehicular homicide or serious personal injury. Premium includes all Basic guarantees with a EUR 25,000 limit, plus costs for pursuing recovery of damages under the direct-settlement (indennizzo diretto) procedure.

Copre, con un massimale di 20.000 euro, le spese per la richiesta di risarcimento per danni extra contrattuali a persone e/o cose causati da terzi durante la circolazione stradale. Include anche la difesa penale per delitti colposi e contravvenzioni legate a incidenti stradali.

[74] Green card: Covered ↩

International insurance certificate that proves the vehicle's RCA coverage and allows travel abroad without worry; automatically valid in EU countries and several other European states, required for certain non-EU countries.

La Carta Verde è il certificato internazionale di assicurazione che consente ad un veicolo di entrare e circolare in un Paese estero essendo in regola con l’obbligo dell’assicurazione RCA (Responsabilità Civile Auto) obbligatoria nel Paese visitato.

[75] Passenger accident: Covered ↩

Liability for bodily injury to passengers transported in the insured vehicle, whatever the basis of transport, falls within the same bodily-injury liability limit as third-party claims (not a separate accident sum).

[76] Bodily injury liability: Covered ↩

Mandatory core coverage for bodily injury caused to third parties by circulation of the insured vehicle. The Company pays within the limits agreed and indicated on the policy schedule ('massimale indicato in polizza').

La Compagnia assicura, in conformità alle norme della legge e del Regolamento, i rischi della Responsabilità Civile per i quali è obbligatoria l'assicurazione impegnandosi a corrispondere, entro i limiti convenuti, le somme che, per capitale, interessi e spese, sono dovute a titolo di risarcimento di danni involontariamente cagionati a terzi dalla circolazione del veicolo descritto in polizza.

[77] Property damage liability: Covered ↩

Mandatory core coverage for material damage caused to third parties' property by circulation of the insured vehicle, including damage in private areas open or subject to restricted access. Limit is the massimale indicated on the policy schedule.

L'assicurazione copre anche la Responsabilità Civile per i danni causati dalla circolazione del veicolo in zone private, il cui accesso sia soggetto a restrizioni.

[78] Legal defence: €20,000 – €100,000 ↩

Optional add-on (additional premium) managed by ARAG SE, sold in Linea Base or Linea Top. General limit is €20,000 per claim with no annual cap for most benefits (criminal defence, appeal of licence sanctions, dissequestro); under Linea Top the criminal-defence limit rises to €100,000 per claim if the driver is charged with vehicular homicide or serious/very serious bodily injury. Recupero Punti Patente benefits (up to €500/€1,000) are available only bundled with Linea Top.

Quando l'Assicurato è coinvolto in una vertenza, la Compagnia, fino al massimale di € 20.000 per sinistro e senza limite per anno assicurativo, copre...

[79] Green card: Conditional ↩

RC cover automatically extends, with no separate Green Card, to all EEA states plus Andorra, Bosnia and Herzegovina, Croatia, Montenegro, Monaco, Serbia and Switzerland. For circulation in other Green Card system countries, the Company must issue a paper International Insurance Certificate (Carta Verde) — digital format is not accepted — the extension must be noted on the policy/appendix, and the related premium must be paid.

La Carta Internazionale di Assicurazione è prevista esclusivamente in formato cartaceo, non è ammesso il formato digitale.

[80] Passenger accident: See details ↩

The product does not offer a standalone 'Infortuni Passeggeri' accident guarantee (only Infortuni del Conducente for the driver). Bodily injury to passengers on board the insured vehicle is affirmatively indemnified under the mandatory RC Auto section as third-party injury, not as a separate accident benefit, so no distinct sum insured is defined.

L'assicurazione Responsabilità Civile della Circolazione copre: - i danni fisici subiti dai passeggeri a bordo del veicolo assicurato;

[81] Bodily injury liability: €6,450,000 – €25,000,000 ↩

The law sets a minimum limit of 6,450,000 EUR per claim for injury to persons, regardless of the number of people involved. The policyholder may choose a higher unified single limit per claim (covering both personal injury and property damage) among 7,750,000 EUR, 10,000,000 EUR or 25,000,000 EUR, against a higher premium.

La legge prevede un massimale minimo per sinistro di € 6.450.000 per i danni alle persone e di € 1.300.000 per i danni alle cose o animali, indipendentemente dal numero di persone coinvolte nel sinistro.

[82] Property damage liability: €1,300,000 – €25,000,000 ↩

The law sets a minimum limit of 1,300,000 EUR per claim for damage to property and animals, regardless of the number of people involved. The policyholder may instead choose a higher unified single limit per claim among 7,750,000 EUR, 10,000,000 EUR or 25,000,000 EUR, against a higher premium.

La legge prevede un massimale minimo per sinistro di € 6.450.000 per i danni alle persone e di € 1.300.000 per i danni alle cose o animali, indipendentemente dal numero di persone coinvolte nel sinistro.

[83] Legal defence: €10,000 ↩

Optional guarantee reimbursing, up to 10,000 EUR per claim, legal costs for judicial and extrajudicial, civil and criminal assistance following a road traffic accident involving the insured vehicle. Available in a Base formula (legal defence, claims against third parties, mediation and negotiation costs) or an Estesa formula (adds licence-suspension appeals, vehicle-seizure release requests, and extends the claims action to the policyholder's family as pedestrians/cyclists/passengers of other vehicles).

[84] Green card: Covered ↩

A Green Card certificate is issued together with the policy and certificate of insurance, attesting valid RC Auto cover; it is automatically recognised, and adjusted to local legislation, in all countries adhering to the Interbureaux international convention whose country code has not been crossed out on the document.

[85] Passenger accident: See details ↩

No standalone passenger-accident guarantee is described in the sources. Injuries to third-party passengers are indemnified only within the mandatory RC Auto liability limits, not as a separate personal-accident benefit.

[86] Bodily injury liability: Covered ↩

Italiana indemnifies the insured, within the limits ('massimali') agreed in the policy, for amounts owed as civilly liable for damages unintentionally caused to third parties from circulation of the insured vehicle, including on private land. A specific limit of €3,000,000 applies to non-public civil and military airport zones. Racing/competition use is excluded.

L'Impresa tiene indenne l'Assicurato, entro i massimali convenuti in polizza, di quanto questi sia tenuto a pagare, quale civilmente responsabile ai sensi del Codice, a titolo di risarcimento (capitale, interessi e spese) per danni involontariamente cagionati a terzi in conseguenza della circolazione del veicolo indicato nella polizza.

[87] Property damage liability: Covered ↩

Property damage liability is covered under the same policy-agreed limits ('massimali') as bodily injury, with priority of allocation first to compulsory-insurance claims. The €3,000,000 special limit for non-public airport zones applies equally to property damage.

Per rischi non compresi nell'assicurazione obbligatoria la garanzia è prestata in base agli stessi massimali di Responsabilità Civile indicati sulla polizza i quali sono destinati anzitutto ai risarcimenti dovuti in dipendenza dell'assicurazione obbligatoria.

[88] Legal defence: €30,000 – €100,000 ↩

Legal protection under the 'Formula Èlite' section covers legal fees, technical consultants, court costs and mediation indemnities up to €30,000 per case, raised to €100,000 per case for actions to recover personal-injury damages arising from circulation of vehicles or watercraft. Managed by ARAG SE on Italiana's behalf; free choice of lawyer for the judicial phase.

Le garanzie vengono prestate fino al massimale di € 30.000 per caso assicurativo, senza limite per anno assicurativo, salvo la garanzia prevista dall'art. 5.1.9 n. 1) lettera b. che, in caso di azioni per recupero di danni a persone, viene prestata fino al massimale di € 100.000 per caso assicurativo, senza limite per anno assicurativo.

[89] Green card: Covered ↩

Italiana issues the international Green Card certificate for driving abroad, valid for the period stated on it. Cover continues for the 15-day grace period after a premium instalment's due date, provided the vehicle is not insured elsewhere. The Green Card must be returned to the insurer if the underlying policy ceases or is suspended.

La Carta Verde è valida per il periodo in essa indicato... a condizione che al momento del sinistro il rischio non sia assicurato presso altra Impresa. Qualora la polizza, in relazione alla quale è rilasciata la Carta Verde, cessi di avere validità o sia sospesa nel corso del periodo di assicurazione... il Contraente è obbligato a farne immediata restituzione all'Impresa.

[90] Passenger accident: Excluded ↩

The policy's Sezione VI 'Infortuni del Conducente' insures only the driver of the vehicle, not transported passengers. Passengers injured in an accident are treated as third parties under the compulsory RC Auto liability guarantee, subject to the exclusions listed for excluded persons; no dedicated passenger personal-accident sum is provided.

[91] Bodily injury liability: €6,450,000 ↩

Statutory minimum liability limit for injury or death caused to third parties by the circulation of the insured vehicle, regardless of the number of victims involved in the claim; the policyholder may pay an additional premium to select a higher limit above this legal minimum.

Per la garanzia R.C.A. la legge prevede un massimale minimo per sinistro di €. 6.450.000 per danni alle persone ed € 1.300.000 per danni alle cose, indipendentemente dal numero di persone coinvolte nel sinistro; tuttavia, è possibile concordare massimali di importo superiore.

[92] Property damage liability: €1,300,000 ↩

Statutory minimum liability limit for damage to third-party property caused by the circulation of the insured vehicle, regardless of the number of victims involved in the claim; a higher limit is available as a paid optional clause.

Per la garanzia R.C.A. la legge prevede un massimale minimo per sinistro di €. 6.450.000 per danni alle persone ed € 1.300.000 per danni alle cose, indipendentemente dal numero di persone coinvolte nel sinistro; tuttavia, è possibile concordare massimali di importo superiore.

[93] Legal defence: €15,000 ↩

Optional add-on covering legal, expert and arbitration costs relating to the vehicle's circulation, up to €15,000 per claim with no annual aggregate limit; requires selection on the policy schedule and payment of a separate premium.

la garanzia riguarda esclusivamente i sinistri concernenti il veicolo o la persona indicata in polizza fino ad un massimale di Euro 15.000 per ogni sinistro e senza limite annuo.

[94] Green card: Covered ↩

The insurer is required by law to issue the Green Card on request; it is not a monetary sum insured but a certificate valid for the period indicated, enabling circulation in all Green Card system states whose codes are not crossed out on the document.

L'assicurazione vale altresì per gli Stati aderenti al sistema della Carta Verde le cui sigle non risultino barrate sulla Carta Verde stessa rilasciata, su richiesta, da NOBIS al Contraente. L'Impresa è tenuta a rilasciare la Carta Verde.

[95] Passenger accident: Optional ↩

Optional extension of the driver accident cover to passengers transported in the insured vehicle, sharing the same policyholder-chosen capital (apportioned pro-rata among all injured parties if aggregate claims exceed the sum insured). Includes reimbursement of accident-related medical expenses up to €2,500 per event/year, subject to a 25% deductible with a minimum of €250. A separate 'Protezione Famiglia' extension additionally provides €40,000 per vehicle for insured family members, subject to a 60% absolute deductible.

Tale estensione di garanzia prevede, pertanto, la copertura complessiva per tutti gli infortunati, compreso il Conducente, entro il limite massimo della somma assicurata in polizza. Nel caso l'ammontare complessivo dei danni subiti dagli infortunati superi la somma assicurata, questa verrà ripartita tra gli stessi in proporzione all'entità del danno sofferto da ciascuno.

[96] Bodily injury liability: €6,450,000 – €40,000,000 ↩

Legal minimum limit is €6,450,000 per claim for bodily injury, regardless of the number of persons involved. The contraente can request a higher limit against payment of an additional premium, up to a combined ceiling of €50,000,000 per claim (€40,000,000 for persons within that combined tier).

Per la garanzia R.C.A. la legge prevede un massimale minimo per sinistro di € 6.450.000 per danni alle persone ed un massimale minimo per sinistro di € 1.300.000 per danni alle cose, indipendentemente dal numero di persone coinvolte nel sinistro. È possibile richiedere a Linear un massimale superiore al minimo di legge previsto, con il pagamento di un premio maggiore.

[97] Property damage liability: €1,300,000 – €10,000,000 ↩

Legal minimum limit is €1,300,000 per claim for property damage (including animals), regardless of the number of persons involved. Higher limits up to €10,000,000 for property damage can be requested against payment of an additional premium.

Per la garanzia R.C.A. la legge prevede un massimale minimo per sinistro di € 6.450.000 per danni alle persone ed un massimale minimo per sinistro di € 1.300.000 per danni alle cose, indipendentemente dal numero di persone coinvolte nel sinistro.

[98] Legal defence: €15,000 ↩

Optional guarantee reimbursing legal and expert fees to defend the policyholder's interests in and out of court in connection with the circulation of the insured vehicle, up to €15,000 per claim with no limit on the number of claims per policy year, plus a separate sub-limit of €600 per claim for vehicle desequestration expenses.

La Società rimborsa - nei limiti del massimo Indennizzo di € 15.000,00 per Sinistro e senza limite di denunce per anno assicurativo - le spese legali e peritali necessarie per la tutela dei diritti del Proprietario... spese necessarie al dissequestro del Veicolo fino ad un massimo di €600 per Sinistro.

[99] Green card: Covered ↩

Where the policy provides the mandatory RCA guarantee, Linear issues the Green Card free of charge, extending RCA cover to the other states party to the Green Card system whose international codes are not crossed out on the certificate; the Green Card is valid for the same period as the premium paid, and must be destroyed immediately if the underlying policy ceases or is suspended.

Qualora la Polizza preveda la garanzia obbligatoria di Responsabilità Civile Autoveicoli (R.C.A.), la Società rilascia il certificato internazionale di assicurazione (Carta Verde)... Qualora la Polizza in relazione alla quale è rilasciata la Carta Verde cessi di avere validità o sia sospesa nel corso del periodo di assicurazione... il Contraente è obbligato a farne immediata distruzione.

[100] Passenger accident: €6,450,000 – €40,000,000 ↩

The mandatory RCA guarantee covers liability for injury caused to persons transported in the insured vehicle (RC trasportati) and to third parties by transported persons; this liability is indemnified out of the same RCA bodily-injury massimale (from the legal minimum of €6,450,000 up to the higher optional tiers to €40,000,000) rather than a separate sum insured.

3.la Responsabilità Civile dei trasportati sul Veicolo indicato in Polizza per i danni involontariamente cagionati a Terzi non trasportati in relazione a fatti connessi con la circolazione del Veicolo assicurato;

[101] Bodily injury liability: €6,450,000 – €25,000,000 ↩

Statutory minimum liability limit of €6,450,000 for personal injury, with optional higher limits of €10,000,000 or €25,000,000 selectable against an additional premium; a combined single limit of €50,000,000 covering both persons and property is also available.

[102] Property damage liability: €1,300,000 – €10,000,000 ↩

Statutory minimum liability limit of €1,300,000 for property damage, with optional higher limits of €5,000,000 or €10,000,000 selectable against an additional premium; a combined single limit of €50,000,000 covering both persons and property is also available.

[103] Legal defence: €10,000 – €40,000 ↩

Optional guarantee covering out-of-court and judicial legal assistance to defend the insured's rights in connection with the ownership or use of the insured vehicle, offered in four selectable levels with increasing sums insured.

[104] Green card: Covered ↩

The international insurance certificate (Green Card) is issued together with the policy and is valid for the period for which the premium has been paid; it may be required to circulate in certain non-EU countries.

[105] Passenger accident: See details ↩

The policy does not offer a stand-alone passenger accident indemnity. Third-party passengers injured while travelling in the insured vehicle are protected under the compulsory motor liability (RCA) guarantee as injured third parties, rather than through a separate accident benefit.

[106] Bodily injury liability: Covered ↩

Covers damages involuntarily caused to third parties' persons during circulation of the insured vehicle in public and private areas, up to the limit stated in the policy; the law sets a minimum per-claim limit of €6,450,000 for personal injury, regardless of the number of persons involved.

La legge prevede un massimale minimo per sinistro di 6 milioni e 450 mila euro per i danni alla persona e di 1 milione e 300 mila euro per i danni alle cose, indipendentemente dal numero di persone coinvolte nel sinistro.

[107] Property damage liability: Covered ↩

Covers damages involuntarily caused to third parties' property during circulation of the insured vehicle in public and private areas, up to the limit stated in the policy; the law sets a minimum per-claim limit of €1,300,000 for property damage, regardless of the number of persons involved.

La legge prevede un massimale minimo per sinistro di 6 milioni e 450 mila euro per i danni alla persona e di 1 milione e 300 mila euro per i danni alle cose, indipendentemente dal numero di persone coinvolte nel sinistro.

[108] Legal defence: €15,000 ↩

Optional add-on covering legal costs and providing legal assistance following a motor accident, including non-recoverable costs of the opposing party, up to €15,000 per claim; managed by Inter Partner Assistance S.A. (AXA Assistance).

Avvalendosi di AXA Assistance per la gestione e la liquidazione dei sinistri, l’Impresa, alle condizioni di seguito indicate e nel limite di € 15.000,00 per sinistro, assicura la Tutela Legale, compresi i relativi oneri non ripetibili della controparte.

[109] Green card: Covered ↩

On request, QUIXA issues the international Green Card certificate extending RCA coverage to the non-crossed-out foreign states listed on it, in addition to Italy, Vatican City, San Marino, the EU, Croatia, Iceland, Liechtenstein, Norway, Monaco, Switzerland, Andorra and Serbia.

L’assicurazione ti copre anche negli Stati facenti parte del sistema della Carta Verde riportati nel certificato internazionale di assicurazione (Carta Verde), che ti viene rilasciato insieme al certificato di assicurazione.

[110] Passenger accident: See details ↩

No dedicated personal-accident guarantee for transported passengers is listed among the product's optional coverages; passengers are protected only via the RCA Trasportati third-party liability extension, not a standalone accident benefit.

[111] Bodily injury liability: Covered ↩

By law (Codice delle Assicurazioni Private, art. 128, as updated from 11 June 2022), the statutory minimum RCA liability limit is €7,750,000 per claim, of which €6,450,000 is allocated to bodily injury to third parties. Reale Mutua's AutoMia policy applies these statutory minimum limits unless the policyholder purchases higher limits for an additional premium.

valore del massimale per danni a persone € 6.450.000 - danno provocato per danni a persone € 7.500.000 - importo risarcito € 6.450.000.

[112] Property damage liability: Covered ↩

By law (Codice delle Assicurazioni Private, art. 128, as updated from 11 June 2022), of the €7,750,000 statutory minimum RCA limit per claim, €1,300,000 is allocated to property damage to third parties. Reale Mutua's AutoMia policy applies these statutory minimum limits unless the policyholder purchases higher limits for an additional premium.

[113] Legal defence: €100,000 ↩

Optional Tutela Legale section (sold as 'Tutela Legale Estesa' or 'Tutela Legale Base'), managed by ARAG SE, covering legal fees and court costs to defend the insured's interests in disputes connected to the use of the vehicle. The overall massimale is the one agreed in the policy; within Tutela Legale Estesa, a specific sub-limit of €100,000 per claim (with no annual aggregate limit) applies to claims for compensation of injuries exceeding 9% permanent disability in Italy, or any personal injury claim occurring elsewhere in Europe.

[114] Green card: Covered ↩

The International Motor Insurance Certificate (Carta Verde) is issued by Reale Mutua on request and extends the mandatory RCA cover to non-EU states adhering to the Green Card System whose country code is not crossed out on the certificate. It is valid for the period stated on it, and it ceases to be valid if the underlying policy is suspended or ceases; using the document after that date is unlawful.

[115] Passenger accident: Excluded ↩

The optional 'Infortuni del Conducente' personal-accident section applies only to 'the driver of the vehicle indicated in the policy, when at the wheel'; there is no dedicated personal-accident benefit for other transported passengers. Injuries to transported third parties are instead addressed under the RCA liability cover via the 'risarcimento del terzo trasportato' procedure (art. 141 Codice delle Assicurazioni), not under a specific passenger-accident sum insured.

[116] Bodily injury liability: €6,450,000 – €50,000,000 ↩

Minimum mandatory limit is €6,450,000 for bodily injury. For an additional premium the client may choose higher optional limits: €10,000,000 (with €5,000,000 for property damage), €25,000,000 (with €10,000,000 for property damage), or a single combined ceiling of €50,000,000 covering both bodily injury and property damage together.

L'Impresa risarcisce i danni con un massimale a scelta del cliente da un minimo di 6,45 milioni di Euro per danni a persone e 1,3 milioni di Euro per danni alle cose ad un massimo di 50 milioni di Euro unico per danni alle persone e alle cose.

[117] Property damage liability: €1,300,000 – €50,000,000 ↩

Minimum mandatory limit is €1,300,000 for property damage. Optional tiers raise this to €5,000,000 or €10,000,000 (paired with the respective bodily-injury tiers), or the top tier gives a single combined ceiling of €50,000,000 shared between bodily injury and property damage.

L'Impresa risarcisce i danni con un massimale a scelta del cliente da un minimo di 6,45 milioni di Euro per danni a persone e 1,3 milioni di Euro per danni alle cose ad un massimo di 50 milioni di Euro unico per danni alle persone e alle cose.

[118] Legal defence: €10,000 – €40,000 ↩

Optional guarantee, sold with 4 protection levels: Base (limit €10,000), Super (limit €20,000), Premium (limit €30,000), Top (limit €40,000). Covers legal assistance/defence costs related to the insured vehicle, managed by D.A.S. Difesa Automobilistica Sinistri S.p.A.

Tutela legale: la garanzia è prestata con 4 diversi livelli di protezione: Base (massimale di € 10.000); Super (massimale di € 20.000); Premium (massimale di € 30.000); Top (massimale di € 40.000).

[119] Green card: Covered ↩

The Green Card is the international insurance certificate issued with the policy, valid for the period for which the premium has been paid, required for circulation in countries not otherwise covered by the standard territorial extension (states not crossed out on the card). No separate monetary limit is stated; it operates within the RCA liability limits chosen.

Qualora si circoli all'estero, la garanzia di Responsabilità Civile Autoveicoli è operante secondo le condizioni ed entro i limiti delle singole legislazioni nazionali. La Carta Verde è valida per il periodo di assicurazione per il quale è stato pagato il Premio.

[120] Passenger accident: See details ↩

No standalone passenger personal-accident guarantee is offered under this product; the 'Infortuni del Conducente' guarantee covers only the driver. Bodily injury to transported third parties is instead indemnified directly under the mandatory RCA liability cover pursuant to art. 141 of the Insurance Code (Codice delle Assicurazioni Private).

I danni subiti dai terzi trasportati a bordo del veicolo saranno risarciti direttamente dalla Compagnia, secondo quanto previsto dall'art. 141 del Codice delle Assicurazioni Private.

[121] Bodily injury liability: €6,450,000 – €80,000,000 ↩

Statutory minimum of €6,450,000 per claim for personal injury; the Contraente can negotiate a higher Massimale up to €80,000,000 per claim.

[122] Property damage liability: €1,300,000 – €20,000,000 ↩

Statutory minimum of €1,300,000 per claim for property damage, independent of the number of persons involved; negotiable up to a maximum of €20,000,000 per claim.

[123] Legal defence: Optional ↩

Tutela Legale is a separate, optional guarantee that can be added alongside the base R.C.A. cover; it reimburses, up to the amount provided, legal costs arising from disputes connected with driving the insured car. It is distinct from the defence-cost clause already built into the R.C.A. base cover (Art. 4.3 Gestione delle controversie), under which Unipol bears the costs of resisting claims brought against the insured up to one quarter of the Massimale.

La garanzia Tutela Legale ti offre un rimborso, fino all’importo previsto, delle spese legali relative a controversie derivanti dalla guida della tua auto.

[124] Green card: Covered ↩

Unipol issues the Green Card at each renewal, valid for the same period for which the premium or premium instalment has been paid; it certifies valid R.C.A. cover and automatically adapts it to the legislation of other Green Card System countries not crossed out on the certificate, if that legislation provides greater protection to the injured party.

[125] Passenger accident: Covered ↩

Bodily injury suffered by transported passengers is covered within the R.C.A. Massimale regardless of the title under which transport is provided, including passengers on wheelchairs during boarding/alighting operations carried out with mechanical means; no separate personal-accident limit applies.

[126] Bodily injury liability: €6,450,000 ↩

The statutory minimum indemnity limit per claim is €6,450,000 for personal injury, regardless of the number of people involved in the accident; limits are expressed as a single combined limit per claim, and a higher limit than the legal minimum can be agreed against an additional premium.

La legge prevede un massimale minimo per sinistro di 6.450.000 euro per i danni alla persona e di 1.300.000 euro per i danni alle cose, indipendentemente dal numero di persone coinvolte nel sinistro.

[127] Property damage liability: €1,300,000 ↩

The statutory minimum indemnity limit per claim is €1,300,000 for property damage, regardless of the number of people involved; a higher limit than the legal minimum can be agreed against an additional premium, within the maximum retainable by the insurer.

La legge prevede un massimale minimo per sinistro di 6.450.000 euro per i danni alla persona e di 1.300.000 euro per i danni alle cose, indipendentemente dal numero di persone coinvolte nel sinistro.

[128] Legal defence: Optional ↩

Optional guarantee, purchasable against an additional premium: the insurer covers, within the limits and conditions stated in the policy schedule, the cost of extrajudicial and judicial assistance needed to protect the insured's rights following a covered claim, including court and legal costs and fees for lawyers, technical consultants and experts. No fixed statutory sum is set; the limit is the amount stated in the individual policy schedule.

L’Impresa assume a proprio carico, nei limiti del massimale e delle condizioni previste in polizza, il rischio dell’assistenza stragiudiziale e giudiziale che si renda necessaria a tutela dei diritti dell’Assicurato, conseguente ad un sinistro rientrante in garanzia. Comprende le spese processuali e di giustizia, le spese per l’intervento dei legali, dei consulenti tecnici, dei periti.

[129] Green card: Covered ↩

For motor vehicles, cover applies in Italy, Vatican City, San Marino and EU Member States, plus Liechtenstein, Andorra, Monaco, Serbia, Switzerland, Bosnia and Herzegovina, Montenegro and the United Kingdom; cover also extends to Green Card system states listed on the international insurance certificate (Green Card) issued together with the insurance certificate, provided their country codes are not crossed out.

Per i veicoli a motore, l’assicurazione ti copre in Italia, nella Città del Vaticano, nella Repubblica di San Marino e negli Stati aderenti all’Unione Europea, nonché nel territorio dei seguenti Stati: Liechtenstein, Principato di Andorra, Principato di Monaco, Serbia, Svizzera, Bosnia e Erzegovina, Montenegro, Regno Unito.

[130] Passenger accident: See details ↩

No personal-accident cover for passengers; injured passengers are compensated as third parties under the RC Auto cover. Accident cover is available only for the driver (Infortuni del Guidatore).

L'assicurazione copre gli infortuni subiti dall'assicurato in seguito alla circolazione del veicolo indicato in polizza, che hanno come conseguenza diretta ed esclusiva la morte o l'invalidità permanente dell'assicurato.

[131] Bodily injury liability: €6,450,000 ↩

Legal minimum liability limit for bodily injury per claim, regardless of the number of victims (statutory minimum in force at policy drafting date); higher limits can be requested for an additional premium.

€ 6.450.000,00 per SINISTRO, per i danni alle persone, indipendentemente dal numero dei danneggiati;

[132] Property damage liability: €1,300,000 ↩

Legal minimum liability limit for damage to vehicles/other property/animals per claim, regardless of the number of victims (statutory minimum in force at policy drafting date); higher limits can be requested for an additional premium.

€ 1.300.000,00 per SINISTRO, per i danni a cose (veicoli/altre cose/animali), indipendentemente dal numero dei danneggiati.

[133] Legal defence: Excluded ↩

The Company assumes, for as long as it has an interest, the out-of-court and in-court handling of disputes concerning the compensation of damage, appointing lawyers or experts where necessary, including criminal defence of the insured up to the end of the relevant stage of proceedings; the Company does not cover fines/penalties or costs of counsel it has not appointed.

la SOCIETÀ assume, fino a quando ne ha interesse, a nome dell’ASSICURATO, la gestione stragiudiziale e giudiziale delle vertenze in qualunque sede nella quale si discuta del RISARCIMENTO del danno... La SOCIETÀ non riconosce le spese incontrate dall’ASSICURATO per i legali o tecnici che non siano da essa nominati e non risponde di multe od ammende né delle spese di giustizia penale.

[134] Green card: Covered ↩

The Green Card can be requested at policy inception or during the contract term and is valid for the insurance period for which the premium/instalment has been paid; it extends cover to Green Card system states not crossed out on the card.

Il Contraente può richiedere la CARTA VERDE in fase di stipula del contratto o in corso di contratto. La CARTA VERDE è valida per il periodo di assicurazione per il quale è stato pagato il PREMIO o la rata di PREMIO.

[135] Passenger accident: See details ↩

This policy does not provide a dedicated personal-accident benefit for passengers; the only related cover is the third-party liability extension for transported persons (Responsabilità Civile dei trasportati), available under the optional RCA NEW/GOLD packages, which compensates third parties injured by passengers, not the passengers' own injuries.

Responsabilità Civile dei trasportati: copre i rischi della responsabilità civile, personale ed autonoma, dei trasportati per danni involontariamente causati a terzi non trasportati, per i fatti connessi con la circolazione del VEICOLO identificato in POLIZZA e non compresi nell'assicurazione obbligatoria RC AUTO.

[136] Bodily injury liability: €6,450,000 – €50,000,000 ↩

Mandatory cover for damages to third parties. The legal minimum is €6,450,000 for personal injury per claim; the product page states a single selectable ceiling (not split by damage type) of up to €50,000,000

[137] Property damage liability: €1,300,000 – €50,000,000 ↩

Mandatory cover for property damages to third parties. The legal minimum is €1,300,000 per claim; the product page states a single selectable ceiling (not split by damage type) of up to €50,000,000

[138] Legal defence: Optional ↩

Optional guarantee providing extrajudicial and judicial legal assistance, including for cyber attacks, within the limits and conditions set in the policy schedule; managed by DAS - Difesa Automobilistica Sinistri S.p.A.; available in Base (B) and Gold (C) forms

[139] Green card: Covered ↩

The Green Card is always included free of charge and issued at the insured's simple request, extending validity to Green Card system countries whose codes are not crossed out on the certificate

Puoi scegliere il massimale fino al limite di € 50.000.000. In più, con Zurigò, la carta verde è sempre gratuita.

[140] Passenger accident: Covered ↩

No dedicated passenger-accident benefit is evidenced as a separate section; transported persons are indemnified as third parties within the mandatory motor liability (RCA) bodily injury limits