Assimoco Motor third-party liability (Autotutela Autovetture)
Underwritten by Assimoco S.p.A. · Italy
motor third-party liability insurance from Assimoco for the Italy market, with 24/7 assistance.
Verified Aug 31, 2026 · Terms dated 2025-10Sources
Unique selling points
Innovative 'Pedalo Sicuro' add-on extends liability, accident and assistance cover to policyholders and family members while cycling on normal or electric-assist bicycles.
Customers can choose among three ready-made packages (Small, Medium, Large) or fully customize the policy by selecting only the individual guarantees they need.
Optional 'Premio Protetto' clause caps the premium increase after one or two claims in the same observation period instead of the full bonus-malus penalty.
Optional waiver-of-subrogation clause protects policyholders from Assimoco exercising recovery rights against them in specific covered accident scenarios.
Assimoco Assistance roadside and personal support line, run by Blue Assistance, operates 24 hours a day, 365 days a year including holidays.
Coverage limits
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
€6.5M
Legal Protection
Optional
Legal protection services covering attorney costs for disputes connected with the use of the vehicle; included as a standard benefit in all three Autotutela packages (Small, Medium, Large), even the entry-level Small package.
Section: Autotutela Autovetture product page > Pacchetti Small/Medium/Large
Optional coverage providing legal support and attorney fees for disputes arising from vehicle use
Green Card
unlimited
The Green Card is the international insurance certificate attesting validity of the mandatory MTPL cover abroad, issued under the responsibility of the national insurance bureau (in Italy, UCI); it is automatically part of the RC Auto contract and is not needed for circulation within the EU, whose territorial validity is already included.
Roadside Assistance
Optional
Assistenza (roadside and personal assistance, e.g. towing, mobile workshop, substitute car, ambulance dispatch, hotel expenses) is included as a standard benefit starting from the entry-level Small package, with Light and Full service-level options available; the service (Assimoco Assistance, via Blue Assistance) operates 24/7, 365 days a year.
Section: Autotutela Autovetture product page > Pacchetti Small/Medium/Large
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
Key conditions
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.
Territorial scope
Coverage applies to the territory of the Italian Republic, Vatican City, the Republic of San Marino and the EU Member States, as well as other Green Card system states whose codes are not struck out on the Green Card.
Documents
General Insurance Conditions - Ed. 10/2025 - Cars (opens in a new tab)
Terms & conditions · PDF
General Insurance Conditions - Ed. 04/2024 - Cars (opens in a new tab)
Terms & conditions · PDF
General Insurance Conditions - Ed. 04/2023 - Cars (opens in a new tab)
Terms & conditions · PDF
Information Set - Cars (DIP, DIP Aggiuntivo, Conditions) (opens in a new tab)
Table of benefits · PDF
IVASS Public Quoting Tool - Information Set (Cars) (opens in a new tab)
Other document · PDF
DIP Aggiuntivo (Additional Pre-contractual Information Document) - Cars (opens in a new tab)
Product information sheet · PDF
Policy specifics
Pedalo Sicuro (Bicycle Safety)
Optional innovative guarantee covering the insured and family members when riding bicycles (normal or electric-assisted)
SourceSource no longer reachableRoadside 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
SourceSource no longer reachableTheft and Robbery
Optional coverage protecting against losses from theft, attempted theft, robbery, and indirect damages resulting from these events
SourceSource no longer reachableFire
Optional coverage protecting against losses from fire, explosion, burst, and lightning damage to the vehicle
SourceSource no longer reachableAccidental Damage / Kasko
Optional coverage protecting against vehicle damage resulting from collision, rollover, road departure, or other accidental impact with any obstacle
SourceSource no longer reachableNatural Events
Optional coverage protecting against losses caused by atmospheric phenomena, hail, and natural disasters
SourceSource no longer reachableSocio-Political Events
Optional coverage protecting against losses caused by civil unrest, riots, strikes, and vandalism
SourceSource no longer reachableGlass Breakage
Optional coverage protecting against breakage of vehicle glass including windshield and windows
SourceSource no longer reachableLegal Protection
Optional coverage providing legal support and attorney fees for disputes arising from vehicle use
SourceSource no longer reachableCustomizable Coverage Limits
Policyholders can increase coverage limits above the statutory minimum requirements by paying additional premium
SourceSource no longer reachableDirect 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
SourceSource no longer reachablePremium Protection Clause
Optional clause limiting premium increase in case of single or double accident within the same observation period, while maintaining merit class evolution
SourceSource no longer reachableWaiver of Subrogation Clause
Optional clause eliminating or reducing Assimoco's right to recover claim payments from the insured in specific accident situations
SourceSource no longer reachableDeductible Reduction or Elimination
Optional coverage allowing reduction or elimination of the insured's share of loss (deductible/excess) across various coverage types
SourceSource no longer reachableAnnual Duration with Flexible Payment
Policy is issued for annual terms; premium payments can be divided into monthly, quarterly, four-month, or semi-annual installments
SourceSources
- assicurazioni.segugio.ithttps://assicurazioni.segugio.it/compagnie-assicurative/assimoco.html(opens in a new tab)
- static.sitewww.arcassicura.ithttps://static.sitewww.arcassicura.it/F626_A_05072025_ba5cd47d46.pdf#page=2(opens in a new tab)
- assimoco.ithttps://www.assimoco.it/assimoco/offerta/auto/autotutela.html(opens in a new tab)Source no longer reachable
Assimoco Motor third-party liability