Generali
Generali is a motor third-party liability insurance for the IT market with no online purchase and 24/7 assistance.
Direct payment
Generali Italia manages third-party liability claims directly. Where the direct indemnification procedure (Risarcimento diretto, Art. 149 CAP) applies, the policyholder's own insurer handles payment to the damaged party. Generali Italia pays the amounts due to third parties up to the agreed limits. Subrogation rights are exercised against the at-fault insured in the cases provided for by law and the contract.
Geographic scope
IT
Italia, Città del Vaticano, Repubblica di San Marino, Stati dell'Unione Europea e Stati elencati e non barrati nel Certificato internazionale di assicurazione (ex Carta Verde). In caso di circolazione all'estero la garanzia R.C.A. opera secondo le condizioni ed entro i limiti delle singole legislazioni nazionali, ferme le maggiori garanzie previste dalla Polizza.
Unique selling points
- Bodily injury liability limit starts at the legal minimum of €6,450,000 and can be raised to €8,000,000 or higher, well above the market standard.
- The telematics SELF device guarantees a minimum 5% R.C.A. discount from year one, rising to a maximum of 25.3% based on actual driving behaviour across five telematic parameters.
- The optional Massimale Noleggio a Breve Termine e Car Sharing provides up to €5,000,000 of excess liability coverage when driving rental or car-sharing vehicles, a benefit not standard on most Italian MTPL products.
- The Tutela Legale Forma Gold offers legal defence limits up to €100,000 per claim with no cap on the number of annual claims, including coverage for road-accident homicide/injury offences under Law 41/2016.
- The Carrozzeria SiCura network of over 800 specialist repairers enables vehicle repair without cash advance, with halved or zeroed deductibles and a 2-year repair guarantee.
Coverage limits
Third-Party Bodily Injury Liability
Covered
Covers damages involuntarily caused to third parties by the circulation of the insured vehicle when used in conformity with its function as a means of transport. The statutory minimum limit for bodily injury is €6,450,000 per claim; the policyholder may choose higher limits against payment of a higher premium.
Third-Party Property Damage Liability
Covered
Covers damages involuntarily caused to third parties' property by the circulation of the insured vehicle. The statutory minimum limit for property damage is €1,300,000 per claim; higher limits may be contracted.
Legal Defence (Tutela Legale)
Optional
Optional coverage providing legal defence of the insured in relation to the ownership, leasing, driving and road use of the insured vehicle. Available in two alternative forms: Forma Base (limit €25,000 per claim) or Forma Gold (limit €40,000 or €100,000 per claim, policyholder's choice). An additional Tutela Legale Forma Aiuto Multe is available for traffic-fine proceedings, purchasable only if the Jeniot telematics device is installed.
International Insurance Certificate (Green Card)
Covered
The policy includes the international insurance certificate (ex Green Card) for all countries listed and not crossed out on the certificate. When circulating abroad, the R.C.A. guarantee operates according to the conditions and within the limits of the individual national legislations, subject to any greater guarantees provided by the policy.
Roadside Assistance (Assistenza)
Optional
Optional coverage providing assistance services in the event of breakdown, accident, fire, theft or other covered events. Available in three forms: Small, Medium and Large, each with different service levels and limits. Managed by Europ Assistance Italia S.p.A., available 24/7 at 800 880 880. Each single benefit may be provided up to 3 times per insurance year. For Medium and Large forms, personal assistance services are also available when driving short-term rental or car-sharing vehicles.
Driver Accident Coverage (Infortuni – Forma Guidatore)
Optional
Optional accident coverage indemnifying the driver of the insured vehicle against bodily injuries (accidental events due to fortuitous, violent and external causes producing objectively ascertainable physical lesions) sustained while driving or using the vehicle, performing operations necessary to resume travel, or getting in or out of the vehicle. The base guarantee always includes Permanent Disability (IP). Additional optional covers include Death, Temporary Disability, Daily Hospital Allowance and Convalescence, Medical Expenses Reimbursement, Mobility Extension and Electric Vehicle Extension.
Passenger Accident Coverage (Infortuni – Forma Trasportati / Completa)
Optional
Optional accident coverage that can be extended to passengers (Forma Trasportati) or to both driver and passengers (Forma Completa). The insured sum per person is calculated by dividing the total insured sum indicated in the policy by the number of approved seats (excluding the driver's seat for Forma Trasportati). The base guarantee always includes Permanent Disability (IP). The same optional extensions as the driver form are available.
Key conditions
territorial_scope
The insurance covers Italy, Vatican City, the Republic of San Marino and all EU member states, as well as any additional countries listed and not crossed out on the International Insurance Certificate (ex Green Card). When circulating abroad, the R.C.A. guarantee operates according to the conditions and within the limits of the individual national legislations, subject to any greater guarantees provided by the policy. If the contract linked to the Green Card is terminated or suspended, the policyholder must immediately destroy the Green Card.
green_card_rules
The Green Card (Certificato internazionale di assicurazione) is issued together with the R.C.A. policy and is valid in the countries whose abbreviation is not crossed out on the document. In the event of voluntary suspension of the contract, the policyholder must not use or must destroy the Green Card. When the contract lapses or is suspended, the policyholder must immediately destroy the Green Card.
driver_restrictions
The policyholder may choose from among four driver type options: (1) Any driver (free driving); (2) Experienced driver (minimum age 26); (3) Identified exclusive driver; (4) Driving for two (two cohabiting drivers identified in the policy). If at the time of the claim the vehicle is driven by a person whose characteristics do not match those indicated in the policy, Generali Italia exercises the right of subrogation against the insured up to a maximum of €5,000 (not exercised if use by a non-authorised driver is due to necessity or if the driver is a repair/custody employee).
claim_notification_deadline
The claim must be reported within 3 days from when the event occurred or the insured became aware of it, using the Amicable Accident Statement (Modulo C.A.I.) supplied by Generali Italia. The report must be followed as soon as possible by any additional information, documents and any judicial acts relating to the claim. Failure to report, inaccuracy or delay gives Generali Italia the right of subrogation. For Tutela Legale, the claim must be reported promptly and in any case within the time useful for the insured's defence.
bonus_malus_rules
The policy is underwritten in the Bonus/Malus form, articulated in 33 merit classes with premium coefficients ranging from 0.500 (classes 1–4) to 3.000 (class 33). Merit class evolution is governed by three tables (cases a, b, c) depending on the completeness of the risk record and the number of penalising claims (i.e. claims paid with principal or equal liability) in the last 5 policy years plus the current year. The malus applies only if principal liability of the insured is established or when the sum of partial liabilities from multiple shared-responsibility claims over the last five years is at least 51%. The policyholder may avoid premium increases by reimbursing (within 6 months of contract expiry) the amounts paid for claims in the preceding observation period (Riscatto Sinistro). An observation period (1st period: from policy inception to 60 days before first full annual expiry; subsequent periods: 12 months each) is used to determine merit class evolution.
Where to buy
Documents
Set Informativo Immagina Strade Nuove – Condizioni di Assicurazione Ed. 07/2025 (incl. DIP, DIP Aggiuntivo Ed. 01/2026)
terms_and_conditions
DIP – Documento Informativo Precontrattuale Immagina Strade Nuove Ed. 07/2025
ipid
Appendice Immagina Strade Nuove con Telematica SELF – Dispositivo Satellitare
other
Policy specifics
Electric Vehicle Extension
Optional extension providing coverage for electric vehicle specific risks including damages from electric charging operations at public stations
Private Life Mobility Coverage
Optional coverage providing protection against damages caused to third parties during use of various transport modes including bicycles, e-scooters, and walking
Short-term Rental and Car Sharing Maximum
Optional coverage allowing increased liability limits when driving short-term rental vehicles or car sharing vehicles beyond the base policy limits
Telematics Satellite Device
Optional satellite telematics device (SELF model) providing driving style monitoring and dynamic discounts based on observed driving patterns
Shared Coverage Extension
Policy feature allowing extension of certain coverage guarantees to up to 5 additional persons (family, friends, or household helpers) beyond the named insured
Multi-Form Coverage Structure
Immagina Strade Nuove is offered in three distinct coverage forms (Small, Medium, Large) with different levels of personal protection and services depending on transportation usage patterns
Satellite Device Installation Requirement
For telematics-enabled policies, device must be installed and activated within 20 working days of policy commencement; device is provided on loan and remains Generali property
Geographic Coverage Scope
Insurance coverage applies in Italy, Vatican City, San Marino, all EU member states, and additional countries listed in the international certificate (Carta Verde/Green Card)