Assimoco S.p.A. – Insurance and Reinsurance Company of the Cooperative Movement

Territorial scope

The policy covers Italy, Vatican City, the Republic of San Marino and the EU Member States; coverage also extends to other Green Card system states whose international codes on the Green Card are not struck out.

Green card rules

The Green Card attests validity of the mandatory MTPL cover abroad and must be shown at the border and in the event of a claim; it is issued under the responsibility of the national insurance bureau of the country of registration (for Italy, the UCI).

Driver restrictions

No specific driver-restriction clause for the Autotutela Autovetture MTPL product was identified in the retrieved sources beyond the general requirement to hold a valid driving licence.

Claim notification deadline

In the event of an accident between motor vehicles subject to the compulsory insurance obligation, the claim must be reported within three days from the date the event occurred or was discovered.

Bonus-malus rules

The policy uses a Bonus-Malus merit-class system that reduces or increases the premium based on claims history in the observation period; the optional Premio Protetto clause limits the premium increase after one or two claims in the same period while the merit-class evolution (malus) is still recorded.

Pedalo Sicuro (Bicycle Safety)

Optional innovative guarantee covering the insured and family members when riding bicycles (normal or electric-assisted)

Roadside Assistance

Optional guarantee providing roadside support services including towing, emergency repair, mobile workshop dispatch, substitute car, ambulance dispatch, passenger return, hotel expenses, and interpreter services abroad

Theft and Robbery

Optional coverage protecting against losses from theft, attempted theft, robbery, and indirect damages resulting from these events

Fire

Optional coverage protecting against losses from fire, explosion, burst, and lightning damage to the vehicle

Accidental Damage / Kasko

Optional coverage protecting against vehicle damage resulting from collision, rollover, road departure, or other accidental impact with any obstacle

Natural Events

Optional coverage protecting against losses caused by atmospheric phenomena, hail, and natural disasters

Socio-Political Events

Optional coverage protecting against losses caused by civil unrest, riots, strikes, and vandalism

Glass Breakage

Optional coverage protecting against breakage of vehicle glass including windshield and windows

Legal Protection

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

Customizable Coverage Limits

Policyholders can increase coverage limits above the statutory minimum requirements by paying additional premium

Bonus-Malus System

Premium reduction or increase mechanism based on claims history; no-claim discounts or increases after accidents within observation period

Direct Settlement Procedure

When the other party is responsible for an accident, the policyholder can use direct settlement procedure where Assimoco handles the claim directly instead of the third party's insurer

Premium Protection Clause

Optional clause limiting premium increase in case of single or double accident within the same observation period, while maintaining merit class evolution

Waiver of Subrogation Clause

Optional clause eliminating or reducing Assimoco's right to recover claim payments from the insured in specific accident situations

Deductible Reduction or Elimination

Optional coverage allowing reduction or elimination of the insured's share of loss (deductible/excess) across various coverage types

Annual Duration with Flexible Payment

Policy is issued for annual terms; premium payments can be divided into monthly, quarterly, four-month, or semi-annual installments