Assicuratrice Milanese Motor third-party liability (Nuova Circolazione Protetta)
Underwritten by Assicuratrice Milanese S.p.A. · Italy
motor third-party liability insurance from Assicuratrice Milanese for the Italy market, with 24/7 assistance.
Verified Aug 31, 2026 · Terms dated 2021-05Sources
Key facts
- Assicuratrice Milanese
Unique selling points
Windscreen/glass claims processed through the insurer's Carglass network waive the standard EUR 150 deductible.
If the policyholder accepts the lawyer appointed by the insurer for the optional legal defence guarantee, defence costs are covered with no monetary cap, versus EUR 5,000 if the client chooses their own lawyer.
An optional waiver of the insurer's right of subrogation (rivalsa) is available, including in cases of blood-alcohol levels below 1.5 g/l.
For partial-damage claims occurring within 36 months of the vehicle's first registration, settlement is calculated without applying wear-and-tear (degrado d'uso) deductions.
The Bonus/Malus scale spans 24 internal merit classes, with the best class carrying a premium coefficient as low as 0.37 of the base tariff.
Coverage limits
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
€6.1M
Legal Defence (Tutela Giudiziaria)
—
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.
Section: GARANZIA TUTELA GIUDIZIARIA > LIMITI DI INDENNIZZO, FRANCHIGIE E SCOPERTI – TABELLA RIASSUNTIVA
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
Green Card (International Motor Insurance Certificate)
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.
Section: DIP RCA AUTOVETTURE > Dove vale la copertura?
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.
Roadside Assistance
Optional
Optional guarantee, available in a 'Confort' or a 'Basic' package, providing 24/7 roadside and vehicle-related assistance abroad and in Italy, including towing (up to EUR 200), mobile workshop (up to EUR 200), recovery of the vehicle off the road (up to EUR 200), replacement car in Italy, continuation-of-journey/return of passengers (up to EUR 300), hotel expenses (up to EUR 100/day, max EUR 300 per claim/year), repatriation of the vehicle, medical repatriation, and repatriation of the body (up to EUR 2,500 in Italy / EUR 5,000 abroad), among other services; each prestation is capped individually and limited to three uses per type per policy year.
Section: SEZIONE ASSISTENZA > PACCHETTO GARANZIE A) CONFORT > ASSISTENZA AL VEICOLO
la Struttura Organizzativa procurerà direttamente all'Assicurato il mezzo di soccorso per trainare il veicolo stesso al più vicino punto di assistenza della casa costruttrice o all'officina indicata dall'Assicurato, purché si trovi entro un raggio di 100 km. (andata e ritorno) dal luogo in cui si è verificato il sinistro, tenendo l'Impresa a proprio carico il relativo costo fino ad un massimo di 200 Euro per sinistro.
Driver Personal Accident
Optional
Optional guarantee covering accidents suffered by the driver (whoever is driving, provided duly licensed) during circulation of the insured vehicle, for death, permanent disability and medical expense reimbursement, up to the sum insured chosen by the policyholder. A 3% deductible applies to permanent disability up to 10% (for vehicles other than motorcycles/mopeds, for which a 5% absolute deductible applies); medical expense reimbursement is capped at EUR 100/day for up to 30 days per policy year, spa treatment at 30% of the sum insured, and prosthetic/therapeutic equipment at 50% of the sum insured. The insurer waives its right of subrogation against the party liable.
Section: GARANZIA INFORTUNI DEL CONDUCENTE > COSA POSSO ASSICURARE
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.
Passenger Personal 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.
Section: GARANZIA INFORTUNI DEL CONDUCENTE > COSA POSSO ASSICURARE
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.
Key conditions
Driver restrictions
Two driving clauses are available: 'Guida libera' (free driving, the default), which covers any duly licensed driver, and the optional 'Guida esperta' (expert driver) clause, which restricts cover to drivers over 26 years old holding a valid licence for at least 3 years. Under guida esperta, the insurer exercises subrogation if the vehicle is driven by someone not meeting the requirements; even under guida libera, the insurer may exercise subrogation if it was declared the vehicle would never be driven by anyone under 26.
Claim notification deadline
The policyholder must notify the insurer of any accident within 3 days of its occurrence or of becoming aware of it.
Bonus-malus rules
The policy uses a Bonus/Malus system with an internal merit-class scale from 1F (lowest premium coefficient, 0.37) to class 18 (highest, coefficient 2.00) for cars, converted to the IVASS universal merit class (CU) scale from 1 to 18. Claims paid with the policyholder's principal fault worsen the class by two steps per claim, while claim-free years improve it; the policyholder may avoid the resulting malus by reimbursing the insurer for paid claims before renewal.
Territorial scope
Cover applies in Italy, Vatican City, San Marino, all EU Member States, Switzerland, Andorra, Azerbaijan, United Kingdom, Israel, Iran, Moldova, Montenegro, Russia, Serbia, Tunisia, Turkey and Ukraine; circulation in other Green Card system states listed on the Green Card and not crossed out is also covered provided the certificate has been issued and the related premium paid.
Documents
Information Set - Nuova Circolazione Protetta (DIP, DIP Aggiuntivo, Terms and Conditions) (opens in a new tab)
Terms & conditions · PDF
Information Package - Nuova Circolazione Protetta (Various Vehicle/Watercraft Risks) (opens in a new tab)
Other document · PDF
Vehicle Insurance Product Overview Page (opens in a new tab)
Other document · PDF
Policy specifics
Fire and Theft
Optional guarantee that covers damages resulting from theft or attempted theft, fire and robbery, including indirect damages from these causes
SourceCollision with Identified Vehicle
Optional guarantee covering damages suffered following a collision with fault involving an identified vehicle
SourceComprehensive Collision Coverage
Optional guarantee covering damages suffered following collision against any obstacle, vehicle exit from road, or vehicle rollover
SourceNatural and Socio-Political Events
Optional guarantee covering damages caused by atmospheric phenomena, riots, civil unrest, and complete or partial damage to windows/glass
SourceDriver Injury Protection
Optional guarantee covering damages suffered by the driver of the vehicle following a no-fault accident
SourceExpert Driver Clause
Optional condition restricting coverage to drivers aged 26 years or older who have held a driving license for at least 3 years
SourcePage Pag. 2 di 8Section: DIP AGGIUNTIVO RCA AUTOVETTURE > Tipo di guida
Guida esperta – solo per conducenti di età superiore ai 26 anni e che abbiano conseguito la patente da almeno 3 anni
Free Driver Clause
Default condition providing full coverage regardless of who is driving the vehicle at the time of loss
SourcePage Pag. 2 di 8Section: DIP AGGIUNTIVO RCA AUTOVETTURE > Tipo di guida
Guida libera – la garanzia è operativa chiunque sia il conducente al momento del sinistro, nel caso però sia stato dichiarato che il veicolo non verrà mai guidato da un conducente di età inferiore ai 26 anni la Società eserciterà il diritto di rivalsa per le somme pagate
Claims Reporting Deadline
Requirement to notify the insurance company of any accident within 3 days from the date the accident occurred or when the insured became aware of it
SourcePage Pag. 5 di 8Section: DIP AGGIUNTIVO RCA AUTOVETTURE > Che obblighi ho? > Denuncia di sinistro
In caso di incidente l'Assicurato, indipendentemente dalla propria responsabilità, deve darne comunicazione alla Compagnia entro 3 giorni dalla data in cui il sinistro si è verificato o ne ha avuta conoscenza.
Legal Minimum Coverage Limit
Minimum legal coverage limit is EUR 7,290,000 per claim
SourcePage Pag. 2 di 8Section: DIP AGGIUNTIVO RCA AUTOVETTURE > Massimale
il massimale minimo di legge ammonta ad EURO 7.290.000. La polizza può essere stipulata per massimali superiori a quelli minimi accettando di pagare un premio più alto.
Sources
- assicuratricemilanese.ithttps://www.assicuratricemilanese.it/wp-content/uploads/2021/08/SET-INFORMATIVO-NCP.pdf#page=12(opens in a new tab)
- assicuratricemilanese.ithttps://www.assicuratricemilanese.it/wp-content/uploads/2021/08/SET-INFORMATIVO-NCP.pdf#page=2(opens in a new tab)
- assicuratricemilanese.ithttps://www.assicuratricemilanese.it/wp-content/uploads/2021/08/SET-INFORMATIVO-NCP.pdf#page=3(opens in a new tab)
- assicuratricemilanese.ithttps://www.assicuratricemilanese.it/wp-content/uploads/2021/08/SET-INFORMATIVO-NCP.pdf#page=79(opens in a new tab)
- assicuratricemilanese.ithttps://www.assicuratricemilanese.it/wp-content/uploads/2021/08/SET-INFORMATIVO-NCP.pdf#page=80(opens in a new tab)
- assicuratricemilanese.ithttps://www.assicuratricemilanese.it/wp-content/uploads/2021/08/SET-INFORMATIVO-NCP.pdf#page=81(opens in a new tab)
- assicuratricemilanese.ithttps://www.assicuratricemilanese.it/wp-content/uploads/2021/08/SET-INFORMATIVO-NCP.pdf#page=84(opens in a new tab)
- assicuratricemilanese.ithttps://www.assicuratricemilanese.it/wp-content/uploads/2021/08/SET-INFORMATIVO-NCP.pdf#page=9(opens in a new tab)