Generali Motor third-party liability (Immagina Strade Nuove Autovetture)

Bodily injury liability limit starts at the legal minimum of €6,450,000, with higher limits available for an additional premium.

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.

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.

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.

Territorial scope

Italy, Vatican City, San Marino and the European Union Member States are covered, as well as any further 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.