AXA Motor third-party liability (Nuova Protezione Auto Rca)
Underwritten by AXA Assicurazioni S.p.A. · Italy
motor third-party liability insurance from AXA for the Italy market, with online purchase and 24/7 assistance.
Verified May 14, 2026 · Terms dated 2026-02-01Sources
Unique selling points
Optional 'RCA Plus' extension covers uninsured vehicle damages directly, avoiding any claim to the Road Victims Fund and ensuring immediate settlement.
Innovative OFF state feature allows policyholders to temporarily suspend mandatory MTPL coverage when the vehicle is not in use, significantly reducing the annual premium cost.
Optional satellite Drive Tutor device enables dynamic reconstruction of accidents, provides 24/7 assistance services and may generate a personalized premium based on actual mileage driven.
Dedicated GreenDrive package provides comprehensive coverage specifically designed for plug-in hybrid and electric vehicles, including charging cable damage, Wallbox accessories and on-site recharging assistance unavailable in standard market offerings.
Optional GreenDrive package for plug-in hybrid and electric vehicles, covering charging cables, Wallbox accessories and on-site recharging assistance.
Coverage limits
Third-Party Bodily Injury Liability
Covered
Mandatory statutory minimum coverage of EUR 6,450,000 per incident for bodily injury regardless of the number of victims. For airport circulation areas, coverage applies with a maximum limit of EUR 10,000,000 per incident.
Third-Party Property Damage Liability
€1.3M
Mandatory statutory minimum coverage of EUR 1,300,000 per incident for property damage regardless of the number of claimants. For fire/explosion of vehicle in private areas (Ricorso terzi da incendio), the coverage applies up to a maximum of EUR 700,000 per incident.
Legal Defence
Optional
Legal Defence: limit as stated in the policy per claim (variable). Covers extrajudicial and judicial interests following an incident during circulation; extends to proceedings related to Wall Box (EV charger) installation. Not operative if the vehicle is not covered by MTPL, the driver is not licensed to drive, in unauthorized races, or socio-political events.
Green Card (International Insurance Certificate)
unlimited
The Green Card (international insurance certificate) is issued by AXA upon request and extends MTPL coverage to Italy, Vatican City, San Marino, Switzerland, Monaco, Andorra, Serbia, EEA states, and other Green Card system countries whose international codes are not crossed out. Coverage operates within the limits of national compulsory insurance legislation of each territory.
Roadside Assistance
Optional
Basic Assistance: roadside recovery of the vehicle, medical support for injury or illness, and logistical support following breakdown/accident. Plus Assistance (optional upgrade): unlimited limit for roadside recovery/towing, up to EUR 1,000 per claim (max 3 claims/year) for additional technical, medical or travel services, replacement car for up to 20 days, on-site medical dispatch. Unlimited benefits for: urgent roadside recovery, repatriation of remains and vehicle repatriation.
Driver Accident
Covered
Indemnity for permanent disability and death from an accident while driving. Reimbursement of medical treatment costs: limit as stated in the policy, for expenses incurred within one year of the accident. Medical transport: limit of EUR 2,000 per claim. 20% excess (with a minimum) when there is no hospitalization, surgery, or cast. Daily allowance for hospitalization and/or cast: EUR 50/day for up to 180 days when reimbursement of hospital-stay expenses is not claimed.
Passenger Third-Party Liability (Transported Persons RC)
Covered
Included within the mandatory MTPL base coverage: civil liability of transported passengers for involuntary damages caused to third parties during vehicle circulation. Passengers are not considered third parties among themselves. Also includes coverage for transported wheelchair users in special vehicles for disabled persons, including boarding/alighting with mechanical aids.
Key conditions
Driver restrictions
The insurance is not operative if the driver is not licensed under applicable regulations. In case of an expired licence, coverage remains operative provided the driver renews within 3 months of the incident. Optional 'Guida Esperta' restriction: up to EUR 2,000 per incident franchise applies if the driver is under 26 years of age or has held a licence for less than two years.
Claim notification deadline
The policyholder must report the claim in writing to AXA within 3 days of the incident occurrence (or from when they became aware of it), providing date, time, location, accident dynamics, vehicle details, driver information (including personal data and driving licence), insurance policy details, and any witnesses. Use of the standardized 'blue form' (friendly accident report / CID) is recommended. Failure to report within 3 days may result in the right of recourse by AXA for amounts paid to third parties due to prejudice suffered, pursuant to art. 1915 C.C.
Bonus-malus rules
The policy uses the Italian Bonus-Malus merit class system (Classe CU - Conversione Universale, per ISVAP/IVASS Regulation No. 4 of 9 August 2006). Premium is adjusted annually based on claims during the observation period. The observation period begins on the policy inception date and ends 2 months before the first full annual premium expiry, with subsequent periods of 12 months. Two or more claims during the same observation period result in a premium increase according to the universal correspondence scale. Policyholders may reimburse AXA for settled claims to avoid premium increases (facoltà di rimborso). The Bersani Law allows transfer of the most favorable CU class within a cohabiting family unit.
Territorial scope
Italy, Vatican City, San Marino, Switzerland, Monaco, Andorra, Serbia, the EEA states and the Green Card states whose international codes are not crossed out
Documents
DIP - Nuova Protezione Auto - Mod. 1985 DIP - Ed. 02/2026 (opens in a new tab)
Product information sheet · PDF
DIP Aggiuntivo - Nuova Protezione Auto - Mod. 1985 DIPA - Ed. 02/2026 (opens in a new tab)
Product information sheet · PDF
Nuova Protezione Auto - Condizioni di Assicurazione - Ed. 02/2026 (opens in a new tab)
Terms & conditions · PDF
Policy specifics
Third Party Liability Plus
Extended third party liability coverage with recourse for fire and explosion from third parties and damage to transported goods
SourceUninsured Vehicle Damage Coverage
Covers damages suffered as a result of collision with an uninsured vehicle
SourceGreenDrive Package
Comprehensive coverage package for plug-in hybrid and electric vehicles with special benefits for charging cables, Wallbox accessories, and charging infrastructure
SourceDriver Injury Coverage
Covers medical expenses, hospitalization allowance, and rehabilitation costs resulting from injuries sustained during vehicle operation
SourceLegal Protection
Provides legal defense and representation for disputes arising from vehicle-related incidents, both out-of-court and in court proceedings
SourceBasic Roadside Assistance
24/7 roadside assistance service providing towing, medical support for injuries or illness, and logistical support following breakdown, accident or vehicle damage
SourceDeductible/Excess Structure
Contractual deductible or excess amount retained by policyholder for each claim, specified in policy. Different rates for different coverage types and damage amounts
SourceBersani Law Family Bonus
Italian law allowing new vehicle policies to benefit from merit class achieved by another family member's vehicle for shared household
SourceTerritorial Coverage Limits
Coverage extends to Italy, Vatican City, San Marino, Switzerland, Monaco, Andorra, Serbia, EEA states, and other Green Card system countries indicated on the international insurance certificate
SourceMaximum Liability Limits (Italian Law Minimums)
Statutory minimum coverage limits: EUR 6,450,000 per incident for bodily injury regardless of number of victims; EUR 1,300,000 per incident for property damage regardless of number of claimants
SourceDirect Compensation Procedure
Italian legal procedure allowing non-responsible or partially non-responsible accident victims to claim compensation directly from their own insurer rather than the responsible party's insurer
SourceContract Duration and Renewal Conditions
Insurance contract issued for annual period commencing on specified policy date. Coverage becomes effective upon premium payment; contract expires after 12 months with 15-day grace period for new policy activation
SourceClaim Reporting Deadline
Policyholder must report claim to AXA within 3 days of incident occurrence, providing date, time, location, dynamics, vehicle details, driver information, and any witnesses
SourceRCA Suspension - OFF State
Policyholder may temporarily suspend mandatory RCA liability coverage through OFF state declaration when vehicle is not in use, retaining other optional coverages
SourceSources
AXA Motor third-party liability