AXA Assicurazioni S.p.A.

Territorial scope

Coverage applies in Italy, Vatican City, San Marino, Switzerland, Monaco, Andorra, Serbia, all EEA states, and other Green Card system countries whose international codes are not crossed out on the AXA-issued international insurance certificate. Coverage operates within the limits of national compulsory MTPL legislation of each territory; Italian policy limits apply only in Italy.

Green card rules

The Green Card (international insurance certificate) is issued by AXA upon the policyholder's request and is valid for the same insurance period for which the premium has been paid. If the policy ceases or is suspended during the coverage period, the policyholder must immediately return the Green Card to AXA. AXA retains the right of recourse for amounts paid to third parties as a consequence of the policyholder's failure to return the Green Card.

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.

Third Party Liability Plus

Extended third party liability coverage with recourse for fire and explosion from third parties and damage to transported goods

Uninsured Vehicle Damage Coverage

Covers damages suffered as a result of collision with an uninsured vehicle

GreenDrive Package

Comprehensive coverage package for plug-in hybrid and electric vehicles with special benefits for charging cables, Wallbox accessories, and charging infrastructure

Driver Injury Coverage

Covers medical expenses, hospitalization allowance, and rehabilitation costs resulting from injuries sustained during vehicle operation

Legal Protection

Provides legal defense and representation for disputes arising from vehicle-related incidents, both out-of-court and in court proceedings

Basic Roadside Assistance

24/7 roadside assistance service providing towing, medical support for injuries or illness, and logistical support following breakdown, accident or vehicle damage

Bonus-Malus Merit System

Premium adjustment mechanism based on claims history and absence of incidents. Premium improves or deteriorates in merit classes based on claims activity during observation period

Deductible/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

Bersani Law Family Bonus

Italian law allowing new vehicle policies to benefit from merit class achieved by another family member's vehicle for shared household

Territorial 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

Maximum 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

Direct 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

Contract 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

Claim 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

RCA 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