Allianz Direct S.p.A.
Allianz Direct
Allianz Direct is a motor third-party liability insurance for the Italy market with online purchase and limited assistance availability.
Direct payment
The premium can be paid by credit card (protected online transaction), bank transfer, or PayPal.
Geographic scope
National (Italy)
Coverage is valid in Italy, Vatican City, San Marino, the Principality of Monaco, and all other EEA member states adhering to the International Motor Insurance Certificate (Green Card) system, including the UK, Switzerland, Andorra, Serbia, Montenegro and Bosnia and Herzegovina. Coverage does not apply in states whose international codes are crossed out on the Green Card (e.g. Albania, Azerbaijan, Belarus, Iran, North Macedonia, Moldova, Morocco, Russia, Tunisia, Türkiye, Ukraine).
Unique selling points
- Using Allianz Direct's affiliated repair network means no upfront payment for repairs, with the deductible halved on most vehicle guarantees.
- The free gancio-traino (tow-hook/trailer) extension is included in RCA at the same liability limits with no additional premium.
- An internal 26-class Bonus-Malus system (versus the standard 18 universal classes) allows further premium reductions via 'superbonus' sub-classes for long-term claim-free drivers.
- Fully digital policy lifecycle management via the online Account/Home Insurance area: quoting, purchase, claims opening, suspension and reactivation.
- Optional Protezione Rivalse cover limits the insurer's right of recourse even in specific excluded scenarios (e.g. mild alcohol intoxication up to 1g/l, minors driving without permission).
Coverage limits
Bodily Injury Liability (RCA)
€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).
Property Damage Liability (RCA)
€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).
Legal Defence (included in RCA)
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.
Green Card / International Motor Insurance Certificate
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).
Roadside Assistance
Optional
Not included in the base RCA; available as an optional Assistenza Stradale add-on (with enhanced Plus/ZeroPensieri tiers in some product editions) providing towing, mobile workshop, replacement vehicle and related services. Limits are stated per individual service in the policy rather than as a single sum.
Driver Accident (Infortuni del Conducente)
Optional
Optional add-on indemnifying the driver's permanent disability or death resulting from an accident while driving the insured vehicle, within limits stated in the policy; excludes transported passengers and pre-existing conditions.
Passenger Injury (within RCA)
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.
Key conditions
Territorial scope
Coverage is valid in Italy, Vatican City, San Marino, Monaco and other EEA/Green Card system states (incl. UK, Switzerland, Andorra, Serbia, Montenegro, Bosnia and Herzegovina); excluded in states crossed out on the Green Card.
Green card rules
Upon policy issuance, Allianz Direct issues the International Motor Insurance Certificate (Green Card), valid for the same period as the policy, listing the countries where cover applies; the policy does not apply in countries whose codes are crossed out on the certificate.
Driver restrictions
Policyholders may choose between 'Guida libera' (any driver, subject to law) or 'Guida esperta' (only drivers aged 23+ holding a licence for more than two years); if the driving-formula terms are breached, Allianz Direct may exercise recourse (rivalsa) against the policyholder up to €5,000, unless the optional Protezione Rivalse cover has been purchased.
Claim notification deadline
The policyholder must notify Allianz Direct of a claim within 3 days from the event or from becoming aware of it, using the Account, phone, or chat, preferably attaching the Friendly Accident Report (CAI/CID) form.
Bonus-malus rules
Premiums follow the Bonus-Malus system with 18 universal CU classes, plus an internal Allianz Direct classification of 26 classes (including 'superbonus' sub-classes S1-S7 above CU class 1 and a 'NI' class for newly registered vehicles). Each claim-free year improves the class by one; the first at-fault claim in a year worsens the class by two, subsequent claims by three.
Where to buy
Policy specifics
Bonus-Malus Claims System
Premium calculation and classification system based on claims history; class system determines premium adjustments
SourceDirect Settlement / Direct Repair Network
Option to use approved repair shops (carrozzerie convenzionate) for direct claim settlement without need for policyholder reimbursement
SourceRC Auto Maximum Limits (Massimali)
Allianz Direct offers minimum legal mandatory limit of €6.5 million for persons and €6.5 million for property; policyholder can choose higher limits
SourceWaiver of Recourse (Protezione Rivalse)
Optional coverage that limits insurer's right to recover (rivalsa) from policyholder in specific cases of excluded claims (e.g., driving under influence, expired license)
SourceProtected Bonus (Bonus Protetto)
Optional coverage that protects Bonus-Malus classification from worsening after one claim, keeping driver in higher discount class
SourceDriver Injury Coverage
Optional supplementary coverage protecting driver against personal injury (bodily injury or death) resulting from claims
SourceDirect Repair Network Obligation
For DIRECT REPAIR product variant: mandatory use of Allianz Direct approved repair shops (carrozzerie convenzionate) for accident damage claims
SourceGeographic Coverage and Green Card Exclusions
Base coverage valid in Italy, Vatican City, San Marino, EU/EEA countries, UK, Monaco, Switzerland, Andorra, Serbia, Montenegro, Bosnia-Herzegovina; excludes countries marked as barred on International Certificate of Insurance (Carta Verde)
SourceDuty of Accurate Disclosure (Dichiarazioni Veritiere)
Policyholder must make truthful and complete declarations at underwriting; material misrepresentations regarding risk factors (age, driving history, vehicle use) may result in right to recourse (rivalsa) or partial/total loss of indemnity
SourceClaims Notice and Documentation Requirements
Policyholder must notify insurer of accident within specific timeframes; must report to authorities in case of theft/crime; must provide all requested documents and proof of damages within shortest possible time
SourceHigh-Risk Territory and Hazardous Condition Exclusions
RCA excludes coverage for: war/invasion/civil unrest (max 14-day grace if policyholder outside home country), driving under influence/without valid license, driving on unsuitable roads, vehicle used outside normal purposes
Source