Allianz S.p.A.
Allianz
Allianz is a motor third-party liability insurance for the Italy market with online purchase and limited assistance availability.
Direct payment
For claims involving only property damage where the third party is fully at fault, Allianz settles directly according to the CARD direct-settlement convention, either to the policyholder or to affiliated repair shops; other claims follow standard notification and settlement procedures.
Geographic scope
National
Valid in the Italian Republic, Vatican City, San Marino, all EEA member states, and additionally the Principality of Monaco, Switzerland, Andorra, Serbia and Bosnia and Herzegovina.
Unique selling points
- Standardized, law-mandated minimum coverage that makes it easy to compare prices across insurers while still carrying the Allianz brand and claims network.
- Toll-free claims number (800 68 68 68) for accident reporting valid as an official claim notification.
- Optional endorsements let customers raise the legal minimum liability limits or limit the insurer's right of recourse (rinuncia alla rivalsa) even in cases like driving under the influence.
- International Green Card validity extends beyond the EU to Monaco, Switzerland, Andorra, Serbia and Bosnia and Herzegovina.
- Backed by Allianz S.p.A., part of the global Allianz Group, offering broad agency network support across Italy.
Coverage limits
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.
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.
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.
International 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.
Roadside Assistance
Excluded
Roadside assistance is not part of the Contratto Base product, which is limited to the mandatory RCA guarantee and a small set of legally defined endorsements; assistance services are only available via separate ARD/Bonus Malus products.
Driver Accident Coverage
Excluded
By law, RC Auto (including the Contratto Base) does not cover the driver responsible for the accident; driver accident cover must be purchased as a separate, distinct policy.
Passenger Accident Coverage
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.
Key conditions
Territorial scope
The policy is valid throughout Italy, Vatican City, San Marino, the EEA states, and additionally Monaco, Switzerland, Andorra, Serbia and Bosnia and Herzegovina.
Green card rules
The International Insurance Certificate (Green Card) extends coverage to the participating countries listed on the certificate itself; the list of covered countries is shown on the Green Card.
Driver restrictions
The Contratto Base is sold with the 'Guida Libera' formula (any authorized driver) by law; an optional 'Guida Esperta' clause restricting driving to the owner or more experienced drivers can be added for a premium discount.
Claim notification deadline
The policyholder must report a claim within three days of the accident or upon becoming aware of it, via the toll-free number, in writing to the assigned agency, or directly to the insurer, using the 'Modulo Blu' accident report form.
Bonus-malus rules
The Bonus Malus tariff (or an equivalent no-claims discount tariff) is freely set by the insurer and applied to the base RC Auto contract, adjusting the premium up or down at each annual renewal based on claims recorded during the observation period.
Where to buy
Policy specifics
Direct Settlement Regime
Claims for damage to goods only and total responsibility of the counterparty are settled directly by the insurer according to CARD (Convenzione tra Assicuratori per il Risarcimento Diretto) procedures, which is distinct from reimbursement to the policyholder
SourceInternational Green Card Coverage
The Certificato Internazionale di Assicurazione (Carta Verde) extends RC Auto coverage to EU and other participating countries listed on the certificate
SourceRepudiation/Recourse Waiver
Optional condition allowing the policyholder to protect coverage even in cases of excluded claims (e.g., drunk driving). This waiver limits the insurer's right of recourse against the insured.
SourceUninsured/Unidentified Vehicle Coverage
Optional add-on covering damage to the insured vehicle in accidents involving uninsured or unidentified vehicles, provided the accident qualifies under the Road Victims Guarantee Fund conditions
SourceAnnual Contract Duration
The RC Auto contract is concluded for a period of one year and automatically terminates at expiration without need for cancellation notice. The insurer guarantees coverage up to 24:00 on the 15th day following expiration or until a new policy with the same or different insurer takes effect.
SourceDuty of Disclosure and Risk Aggravation
At contract inception, the policyholder must make truthful, complete, and accurate statements about the insured risk. During the contract term, the policyholder must notify the insurer of any changes that aggravate the risk. Inaccurate declarations, omissions, or failure to disclose risk aggravation may result in policy termination and the insurer's exercise of full or partial recourse rights for damages paid.
SourceClaim Notification and Blue Form Procedure
The policyholder must notify Allianz of a claim within three days of the accident or upon becoming aware of it. Notification can be made via the toll-free number (800 68 68 68), in writing to the assigned agency, or directly to the company. The claim must be documented using the 'Modulo di constatazione amichevole di incidente' (Blue Form) containing all required information including location, date, time, accident circumstances, damage extent, and witness details.
SourceDriving Formula and Driver Restrictions
The policyholder may select a driving formula at inception. Available formulas typically include 'Guida Libera' (free driving for any licensed driver), 'Guida Esperta' (expert driving: vehicle may be driven only by the owner or drivers aged 26+), or other named driver restrictions. Coverage does not apply if the vehicle is driven by someone not authorized under the selected formula.
SourceApplicable Law and Jurisdiction
The RC Auto contract is governed by Italian law. All contractual obligations, coverage interpretation, and dispute resolution are subject to Italian legislation, including the Private Insurance Code (Codice delle Assicurazioni Private).
Source