Crédit Agricole Assicurazioni Motor third-party liability (Protezione Guida Contratto Base)
Underwritten by Crédit Agricole Assicurazioni S.p.A. · Italy
motor third-party liability insurance from Crédit Agricole Assicurazioni for the Italy market, with online purchase.
Verified Aug 31, 2026 · Terms dated 2025-06Sources
Key facts
- Crédit Agricole Assicurazioni
Unique selling points
Free, personalized RCA quotes can be requested directly on the insurer's website in addition to bank branches.
Policyholders can manage their policy digitally through the reserved 'Home Insurance' online area, checking coverage, payments, and the risk status attestation.
The new Crédit Agricole Insurance App lets customers report claims and track their status directly from their smartphone.
The policy can be signed with a digital signature at Crédit Agricole Italia branches, through off-premises bank offers, or remotely, integrating insurance directly with the customer's banking relationship.
Beyond the compulsory RCA, the broader Protezione Guida line lets customers select individual optional guarantees or combine them into 'Vehicle', 'Person' and 'Events' packages tailored to their needs.
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 Defence / Legal Protection
Excluded
The Contratto Base product does not include any accessory guarantees such as legal protection; it provides only the compulsory motor liability cover at the legal minimum limits.
Section: DIP Aggiuntivo R.C. Auto > Che cosa è assicurato?
Non sono previste garanzie accessorie.
Green Card (International Motor Insurance Certificate)
Covered
The insurer is required to issue the Green Card free of charge, extending the compulsory liability cover to the countries listed on the certificate whose country codes are not crossed out; it is valid for the same period as the policy premium paid and must be returned immediately if the policy ceases to be valid before the Green Card's stated expiry.
Section: B - Condizioni del contratto base R.C. Autovetture > 5 – Estensione territoriale
L'assicurazione vale altresì per il territorio degli altri Stati le cui sigle internazionali indicate sulla Carta Verde non siano barrate. L'Impresa è tenuta a rilasciare la Carta Verde.
Roadside Assistance
Excluded
Roadside assistance is not included in the Contratto Base product; no accessory guarantees are offered with this contract.
Section: DIP Aggiuntivo R.C. Auto > Che cosa è assicurato?
Non sono previste garanzie accessorie.
Driver Personal Accident
Excluded
Personal accident cover for the driver is not included in the Contratto Base product, which offers only the compulsory motor liability guarantee.
Section: DIP Aggiuntivo R.C. Auto > Che cosa è assicurato?
Non sono previste garanzie accessorie.
Passenger / Third-Party-Transported Liability
Covered
Persons transported in the insured vehicle are treated as 'terzi danneggiati' (injured third parties) and are entitled to compensation for personal injury within the same bodily injury liability limit of €6,450,000; there is no separate personal-accident sum insured for passengers under this product.
Section: A – Definizioni
I soggetti, sia trasportati sia non trasportati, aventi diritto al risarcimento dei danni subiti a seguito di incidente.
Key conditions
Driver restrictions
Cover does not apply if the driver is not licensed under current regulations (unless licence-point exhaustion had not yet been notified or the licence expired less than six months earlier), if a driving-school vehicle is used without a qualified instructor beside the learner, if transported third parties are carried in breach of applicable rules, or if the driver is under the influence of alcohol or drugs as sanctioned under articles 186/186-bis/187 of the Highway Code.
Claim notification deadline
The claim must be reported on the IVASS-approved form within three days from the date the loss occurred or the policyholder became aware of it.
Bonus-malus rules
The policy uses a Bonus/Malus tariff with 18 merit classes (from class D down to class 18) with premium coefficients ranging from 0.531 to 3.070; the class improves or worsens at each renewal depending on whether claims occurred during the observation period, and can be compared across insurers via the CU (Conversione Universale) merit class defined by IVASS Regulation No. 9/2015.
Territorial scope
Italy, Vatican City, San Marino, the European Economic Area member states, plus Iceland, Liechtenstein, Norway, the Principality of Monaco, Switzerland, Serbia and Andorra; extended to other Green Card countries whose codes are not crossed out on the certificate.
Documents
DIP and DIP Aggiuntivo - Protezione Guida Contratto Base (RC Auto) (opens in a new tab)
Product information sheet · PDF
Terms and Conditions - Protezione Guida Contratto Base (opens in a new tab)
Terms & conditions · PDF
Protezione Guida – Linea Maxi (related bundled RCA+Kasko product, Terms and Conditions) (opens in a new tab)
Other document · PDF
Policy specifics
Annual contract with no automatic renewal
The insurance contract has an annual term and does not automatically renew; coverage terminates at 24:00 on the policy expiry date without need for explicit cancellation notice
SourcePage 2/2Section: DIP - Protezione Guida - Contratto Base > Come posso disdire la polizza? / Quando comincia la copertura e quando finisce?
La polizza Protezione Guida ha durata annuale e si risolve senza necessità di disdetta.
Expanded territorial coverage including private areas
The insurance covers claims arising from vehicle circulation in Italy, Vatican City, San Marino, EU countries, and specific European territories (Iceland, Liechtenstein, Norway, Monaco, Andorra, Switzerland, Serbia) as well as in private areas not open to the public
SourcePage 2/2Section: DIP - Protezione Guida - Contratto Base > Dove vale la copertura?
La copertura è operante, ad eccezione di quanto riportato nelle singole garanzie, per il territorio della Repubblica Italiana, della Città del Vaticano, della Repubblica di San Marino, degli Stati dell'Unione Europea, nonché per il territorio della Serbia, del Liechtenstein, della Norvegia, dell'Islanda, del Principato di Monaco, del Principato di Andorra, e della Svizzera.
Limited recourse right for drunk driving
For the vehicle indicated in the policy, the insurer exercises limited recourse only for drunk driving (maximum €1,500) against the driver and/or policyholder. For other cases, full recourse applies as per Italian insurance code Article 144
SourceClause Art. 2.2Page 8 di 31Section: Garanzia - Responsabilità Civile Auto > Art. 2.2 - Esclusioni e Rivalsa
Per il Veicolo indicato in Polizza, limitatamente alla guida in stato di ebbrezza, Crédit Agricole Assicurazioni eserciterà diritto di rivalsa nei confronti del Conducente e/o Contraente o Proprietario per la somma liquidata con il massimo di Euro 1.500,00.
Annual mandatory premium payment
Premium must be paid annually upon policy delivery. Payment methods accepted: bank direct debit, cash (within legal limits), or credit card (for online purchases)
SourcePage 2/2Section: DIP - Protezione Guida - Contratto Base > Quando e come devo pagare?
Il Premio può essere pagato mediante Addebito in Conto Corrente, o denaro contante fino al limite di legge, o carta di credito se la copertura è acquistata online. Il Premio deve essere pagato con periodicità annuale alla consegna della Polizza.
Sources
- static.credit-agricole.ithttps://static.credit-agricole.it/credit-agricole-it/system/cariparma_com/transparency_file/data/4040/ProtezioneGuida_LineaMaxi.pdf#page=8(opens in a new tab)
- ca-assicurazioni.ithttps://www.ca-assicurazioni.it/assicurazione-auto/protezione-guida(opens in a new tab)
- ca-assicurazioni.ithttps://www.ca-assicurazioni.it/media/filer_public/b2/a0/b2a09be5-352d-4a27-8473-844ce6aa855d/caa_pgbase_ca_202506_set-completo.pdf#page=11(opens in a new tab)
- ca-assicurazioni.ithttps://www.ca-assicurazioni.it/media/filer_public/b2/a0/b2a09be5-352d-4a27-8473-844ce6aa855d/caa_pgbase_ca_202506_set-completo.pdf#page=2(opens in a new tab)
- ca-assicurazioni.ithttps://www.ca-assicurazioni.it/media/filer_public/b2/a0/b2a09be5-352d-4a27-8473-844ce6aa855d/caa_pgbase_ca_202506_set-completo.pdf#page=3(opens in a new tab)
- ca-assicurazioni.ithttps://www.ca-assicurazioni.it/media/filer_public/b2/a0/b2a09be5-352d-4a27-8473-844ce6aa855d/caa_pgbase_ca_202506_set-completo.pdf#page=9(opens in a new tab)
Crédit Agricole Assicurazioni Motor third-party liability