Allianz
Allianz Italia is a motor third-party liability insurance for the IT market with online purchase and 24/7 assistance.
Direct payment
Allianz Italy applies the CARD (Convenzione tra Assicuratori per il Risarcimento Diretto) system: in the event of a road accident between two motor vehicles, the injured party submits the claim to their own insurer, which settles on behalf of the at-fault party's insurer. Third parties may also file directly against Allianz as the at-fault party's insurer.
Geographic scope
IT
Repubblica Italiana, Città del Vaticano, Repubblica di San Marino, Stati facenti parte dello Spazio Economico Europeo, Principato di Monaco, Svizzera, Andorra, Serbia, Bosnia Erzegovina; estensione tramite Carta Verde ai Paesi aderenti al sistema del Certificato Internazionale di Assicurazione le cui sigle non siano barrate
Unique selling points
- Coverage limits upgradeable up to EUR 50,000,000 per accident, far exceeding the statutory minimums of EUR 6,450,000 (bodily injury) and EUR 1,300,000 (property damage) per accident.
- Legal defence (Tutela Giudiziaria) limit doubles to EUR 30,000 when an Allianz-network lawyer is engaged, providing above-market legal protection.
- ULTRA 4R variant locks in the Bonus-Malus class regardless of at-fault claims and delivers an annual premium discount of 10%–50% versus standard Bonus-Malus pricing.
- Nine out of ten Allianz claimants report satisfaction with the claims settlement service, backed by the AllianzNOW app for real-time roadside assistance and digital claims management.
- 'Guida Esperta' option provides up to 15% premium discount for policyholders restricting driving to persons over 26 years of age.
Coverage limits
Third-party bodily injury liability
Covered
Covers bodily injury damages caused to third parties by the circulation of the insured vehicle in public and private areas. The statutory minimum limit is EUR 6,450,000 per accident regardless of the number of victims; higher limits are available up to EUR 50,000,000.
Third-party property damage liability
Covered
Covers property damage caused to third parties by the circulation of the insured vehicle. The statutory minimum limit is EUR 1,300,000 per accident regardless of the number of damaged items; higher limits are available up to EUR 50,000,000.
Legal defence (Tutela Giudiziaria)
Optional
Optional coverage for out-of-court and court legal assistance costs related to events arising from the use of the insured vehicle. The base limit is EUR 15,000 per event, which is doubled if a lawyer from the Allianz network is used.
Green Card (International Insurance Certificate)
Covered
The International Insurance Certificate (Green Card) extends the validity of the RCA coverage to the territory of countries adhering to the international certificate system whose international codes are not crossed out on the certificate. Coverage operates according to the compulsory motor insurance legislation of the country where the accident occurs.
Roadside Assistance (Assistenza Auto)
Optional
Optional add-on coverage providing roadside intervention, towing, taxi, replacement vehicle, accommodation reimbursement, trip continuation, repatriation of the vehicle from abroad, and assistance in case of theft or accident-related injury. Available 24 hours a day. Accessible via freephone 800 68 68 68 or the AllianzNOW app.
Driver accident insurance (Infortuni del Conducente)
Optional
Optional add-on covering permanent disability or death of the driver occurring while driving the vehicle, from boarding to alighting, including stops and electric shock from the vehicle's electrical system or batteries. The insured capital is chosen by the policyholder. Exclusions include accidents during unauthorised speed races and sports competitions.
Passenger liability (third-party RCA coverage)
Covered
Passengers are treated as third parties under the mandatory RCA and are therefore covered for bodily injury damages within the applicable liability limits. There is no separate standalone passenger accident coverage in the base product; the driver accident add-on covers the driver only.
Key conditions
territorial_scope
The insurance is valid for the territory of the Italian Republic, Vatican City, Republic of San Marino, all States forming part of the European Economic Area, as well as the Principality of Monaco, Switzerland, Andorra, Serbia, and Bosnia-Herzegovina. Coverage extends to other countries via the Green Card (International Insurance Certificate) for countries whose international codes are not crossed out on the certificate.
green_card_rules
The insurer is required to issue the Green Card (International Insurance Certificate) upon request. Coverage in Green Card countries operates according to the compulsory motor insurance legislation of the country where the accident occurs, subject to the higher contractual limits where these apply. The card extends coverage to all countries adhering to the international certificate system whose codes are not crossed out on the certificate.
driver_restrictions
The insurance operates for any driver authorised by the policyholder. An optional 'Guida Esperta' (experienced driver) clause restricts driving to the vehicle owner plus persons aged over 26 years, providing a premium discount of up to 15%. In case of a claim under this clause, if a driver under 26 caused the accident, Allianz reserves the right of recovery. The 'Patto per i Giovani' product variant is available for policyholders up to age 27 with a single named driver and a recovery right up to EUR 10,000 if another driver caused the accident.
claim_notification_deadline
In the event of an accident, the policyholder must notify Allianz by calling the toll-free number 800 68 68 68; this call has full legal force as a claim notification. Alternatively, written notice must be given to the agency managing the policy or to the company within three days of the event or from when the insured became aware of it, stating the place, date, time and circumstances of the event, the extent of the damage, and the names and addresses of any witnesses. The claim must be filed on the joint accident form (Modulo di Constatazione Amichevole – CAI, also known as 'Modulo Blu').
bonus_malus_rules
The premium is adjusted annually based on the Bonus-Malus class (Classe di Merito Universale – CU) as determined by the IVASS regulation n. 9/2015. The observation period begins on the policy inception date and ends 60 days before renewal. One claim-free year moves the policyholder one class lower (bonus); a penalised claim moves the class higher (malus). The optional 'Protezione Bonus' add-on preserves the bonus class despite one at-fault claim per year (not available on temporary policies). An optional 'ULTRA 4R' variant with fixed deductible provides a discount of 10%–50% on the standard Bonus-Malus premium and does not affect the merit class in case of a claim.
Where to buy
Documents
DIP – Documento Informativo Precontrattuale Bonus Malus autovetture e autotassametri (RCA ed. 01/07/2024 + ARD ed. 01/02/2024) – mod.30
ipid
DIP – Documento Informativo Precontrattuale Bonus Malus autovetture ai sensi del D.M. 54 (Contratto Base) – mod.04 ed. 01/02/2024
ipid
DIP – Documento Informativo Precontrattuale R.C.A. e Garanzie Accessorie Auto (mod.29 – FastQuote gennaio 2024)
ipid
Tariffa RCA Unificata – Norme Tariffarie edizione 1 luglio 2024 (Allianz S.p.A.)
terms_and_conditions
Policy specifics
Third-party liability coverage
Mandatory MTPL coverage for damages caused to third parties by vehicle circulation
Bonus-Malus premium system
Premium variation based on claim history; bonus for claim-free periods, malus for reported claims
Claims reporting procedure
Mandatory immediate reporting to Allianz hotline (800 68 68 68) within three days of accident
Contract duration and renewal
Annual contract with automatic termination at expiry; no tacit renewal; continuity guaranteed for 15 days after expiry
Premium payment terms
Annual premium payment at policy issuance; optional semi-annual installments with 4% surcharge
Consequences of false declarations
False, inaccurate, or withheld declarations regarding risk can result in policy termination and recovery action