BCC Assicurazioni Motor third-party liability (Auto Protetta Autovetture)
Underwritten by BCC Assicurazioni S.p.A. · Italy
motor third-party liability insurance from BCC Assicurazioni for the Italy market, with online purchase and 24/7 assistance.
Verified Aug 31, 2026 · Terms dated 2025-01Sources
Unique selling points
Optional 'Premio Protetto' clause caps the post-claim renewal premium increase at 5% after a first claim and 35% after a second claim in the same observation period.
A dedicated recourse-waiver clause cancels BCC Assicurazioni's right of recourse against the policyholder for new drivers exceeding legal limits, minors/wards driving, non-compliant declarations, missed vehicle inspection, or driving school without an instructor.
Base RCA cover includes veterinary expenses up to €500/year for a pet injured while being transported in the insured vehicle in compliance with the Highway Code.
Glass-breakage deductibles are waived and body-shop deductibles/minimums are halved when repairs are carried out at BCC's network of partner workshops and glass centres (Carglass, Doctor Glass, Vetrocar & Bus).
The optional 'Pedalo Sicuro' rider extends liability, personal accident and assistance cover to the policyholder's use of bicycles and e-bikes, including a young child carried in an approved child seat.
Coverage limits
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
€7.8M
Legal Defence (Tutela Legale)
€30K – €50K
Optional legal protection cover (Light or Full formula) reimbursing legal, expert, investigative and court costs related to circulation of the insured vehicle, with a policy limit selectable between €30,000 and €50,000 per claim, unlimited per year; an optional extension for electric/plug-in hybrid vehicles is available with a fixed limit of €30,000.
Green Card
Covered
BCC Assicurazioni is required to issue the Green Card (international motor insurance certificate) at no separate charge, valid in Italy, Vatican City, San Marino, EU member states, Norway, Iceland, Serbia, Switzerland, Liechtenstein, Andorra, Monaco, Bosnia-Herzegovina, UK, Montenegro and other Green Card system countries not crossed out on the card.
Roadside Assistance
Optional
Optional roadside/vehicle and personal assistance cover (Light or Full formula) including towing, mobile workshop (up to €150/claim), recovery off the road (up to €200/claim), vehicle repatriation from abroad (up to €3,000/claim), replacement car and ambulance/medical assistance; each service is capped at 3 uses per type per policy year, and the Full formula adds a replacement car in Italy for total loss from theft or fire.
Driver Accident
Optional
Optional driver accident cover paying a lump sum for death or permanent disability of the driver occurring while driving the insured vehicle (from boarding to alighting); the sum insured is agreed with the policyholder at inception and is not a fixed amount set by the T&Cs.
Key conditions
Driver restrictions
Coverage does not indemnify the at-fault driver's own damages. BCC Assicurazioni can exercise recourse (rivalsa) against the policyholder/driver in cases such as driving without a valid licence, driving under the influence of alcohol or drugs, or use of an unroadworthy vehicle, within the limits set out in the recourse schedule; specific recourse waivers apply, e.g. a driver who has passed the driving test but is awaiting the licence document.
Claim notification deadline
Claims involving motor vehicles subject to compulsory insurance must be reported within 3 days of the event or of becoming aware of it; claims under Fire, Theft, Accidental Damage, Additional Guarantees and Driver Accident cover must be reported within 5 days.
Bonus-malus rules
The policy uses an 18-class Bonus/Malus system with premium increasing from class 1 to 18 depending on claims paid during the observation period. The optional 'Premio Protetto' clause caps the premium increase at renewal to a maximum of 5% after a first claim and 35% after a second claim in the same observation period, while the merit class still evolves under the Malus rules.
Territorial scope
Coverage applies in Italy, Vatican City, San Marino and EU member states, plus Norway, Iceland, Serbia, Switzerland, Liechtenstein, Andorra, Monaco, Bosnia-Herzegovina, UK and Montenegro, as well as other Green Card system countries not crossed out on the Green Card.
Documents
Policy specifics
Waiver of Recourse
Optional clause that eliminates the insurance company's right of recourse against the policyholder in specific cases
SourceDirect Indemnification Procedure
Insurance company manages claim settlement directly with the insured rather than through opposing party's insurer
SourceTerritorial Coverage with Green Card
Insurance coverage extends to multiple European countries and territories participating in the Green Card system
SourcePremio Protetto Clause
Optional clause available at renewal that caps the premium increase following a claim: maximum 5% increase after a first claim, and 35% after a second claim within the same observation period; the merit class still evolves under the Malus rules.
SourceSources
BCC Assicurazioni Motor third-party liability