Genertel Motor third-party liability (Genertel Auto)
Underwritten by Genertel S.p.A. · Italy
motor third-party liability insurance from Genertel for the Italy market, with online purchase.
Verified Aug 31, 2026 · Terms dated 2025-07Sources
Unique selling points
Instant €25 discount when buying RC Auto insurance fully online and independently.
RC Auto liability cover is automatically extended at no extra cost to accidents in private areas, trailer towing and the tow hook.
The optional Bonus Protetto add-on lets drivers keep their Genertel merit class even after one at-fault claim in the insurance year.
Policyholders with the telematics black box can join the free Move-In programme, an alternative mobility solution for restricted traffic zones in Lombardy, Piedmont, Emilia-Romagna and Veneto.
Genertel is a fully digital insurer of the Generali Group, offering online/app claims reporting and a free self-service Home Insurance area to manage the policy.
Coverage limits
Bodily injury liability (RC Auto)
Covered
Mandatory liability cover for injuries caused to third parties by the circulation of the insured vehicle, operative up to the massimali agreed and stated in the individual policy schedule; Italian law sets a statutory minimum of €6,450,000 per claim for bodily injury, regardless of the number of people involved in the accident.
Section: Che cosa è assicurato?
La legge prevede un massimale minimo per sinistro di 6 milioni e 450 mila euro per i danni alla persona e di 1 milione e 300 mila euro per i danni alle cose, indipendentemente dal numero di persone coinvolte nel sinistro.
Property damage liability (RC Auto)
Covered
Mandatory liability cover for property damage caused to third parties by the circulation of the insured vehicle, up to the limit in the policy schedule; the legal minimum is €1,300,000 per claim, regardless of the number of people involved in the accident.
Section: Che cosa è assicurato?
La legge prevede un massimale minimo per sinistro di 6 milioni e 450 mila euro per i danni alla persona e di 1 milione e 300 mila euro per i danni alle cose, indipendentemente dal numero di persone coinvolte nel sinistro.
Legal assistance (Assistenza Legale)
Optional
Optional add-on providing extrajudicial and judicial legal assistance to protect the insured's interests following a road accident, and criminal defence if the insured is investigated or charged; claims are managed by D.A.S. Difesa Automobilistica Sinistri S.p.A. and legal costs are covered within the policy limit, with no specific ceiling figure stated in the sources.
Section: SEZIONE 5 ASSISTENZA LEGALE
Genertel fornisce al proprietario, al locatario in caso di leasing o al conducente: a) l’assistenza stragiudiziale e giudiziale necessaria alla sua tutela in sede civile...
International insurance certificate (ex Green Card)
Covered
The international insurance certificate (ex Green Card) is issued to the policyholder as a standard document at contract stipulation, together with the certificate of insurance, and proves RC Auto cover abroad in the countries listed and not crossed out on the certificate.
Section: B. Definizioni
“Certificato internazionale di assicurazione - ex Carta Verde”: il documento che attesta che il veicolo è assicurato per la responsabilità civile obbligatoria anche all’estero, nei paesi di cui riporta la sigla non barrata;
Roadside assistance (Assistenza Stradale)
€200 – €500
Optional roadside assistance provided by Europ Assistance in case of breakdown, accident, fire or theft: the 'Estesa' formula covers roadside recovery costs up to €200 per claim, a replacement car for up to 3 days and hotel expenses up to €300; the 'Top' formula raises roadside recovery to €500 per claim, a replacement car for up to 7 days (30 days for total theft) and a taxi reimbursement up to €150.
Section: SEZIONE 6B ASSISTENZA STRADALE TOP > Art. 6B.1.1 - Soccorso stradale
Le spese relative al soccorso stradale sono a carico di Genertel fino a un massimo di 500 euro per sinistro.
Driver personal accident (Infortuni del Conducente)
Optional
Optional add-on indemnifying the legitimate driver's injuries following an at-fault road accident: medical expense reimbursement, hospitalisation and cast daily allowance up to 30 days, permanent disability compensation (only for the portion exceeding 5% disability) and a death benefit paid to heirs if death occurs within one year of the accident; sums insured are as stated in the individual policy schedule.
Section: SEZIONE 7 INFORTUNI DEL CONDUCENTE
Genertel indennizza, nei limiti stabiliti in contratto, gli infortuni subiti dal legittimo conducente del veicolo assicurato a seguito di un incidente stradale con colpa.
Passenger liability extension (Sicurezza comunque)
Excluded
There is no stand-alone personal-accident benefit for passengers. Genertel's 'Sicurezza comunque' extension (Art. 1.2) covers liability for damage a passenger involuntarily causes to third parties ('Responsabilità Civile dei terzi trasportati'); it does not compensate the passenger's own injuries. An injured passenger is compensated as a third party under the mandatory RC Auto guarantee.
Section: SEZIONE 1 RESPONSABILITÀ CIVILE > Art. 1.2
Oltre alla Responsabilità Civile obbligatoria Genertel assicura, con lo stesso massimale e senza aumento del premio, i danni causati involontariamente a terzi che derivano: a) dal gancio di traino del veicolo assicurato; b) da un passeggero del veicolo (c.d. “Responsabilità Civile dei terzi trasportati”).
Key conditions
Driver restrictions
The policy can be customised by driver profile: 'esperto' (drivers aged 25 or over only), 'inesperto' (main driver under 25) or unrestricted driving. The RC guarantee operates regardless of who is driving, but if the policyholder declares the vehicle is never driven by a driver under 25, the deductible stated in the policy applies to the RC guarantee if such an inexperienced driver causes the accident.
SourceClause Art. 1.1Page Pagina 12 di 48Section: SEZIONE 1 RESPONSABILITÀ CIVILE > CHI PUÒ GUIDARE IL VEICOLO ASSICURATO?
La garanzia opera chiunque sia il conducente al momento del sinistro, ma se il contraente ha dichiarato che il veicolo non viene mai guidato da un conducente di età inferiore ai 25 anni (c.d. conducente inesperto) si applica la franchigia prevista in contratto.
Claim notification deadline
The policyholder must notify Genertel of any accident within 3 days of the event or of becoming aware of it, regardless of fault, as required by the Civil Code; late, inaccurate or missing notification can reduce or eliminate the right to indemnity.
Bonus-malus rules
Annual premium is adjusted via the Bonus-Malus system: the Universal Class (CU) is assigned under IVASS Provvedimento n. 72/2018 (ranging from 1 best to 18 worst) and is mirrored by Genertel's internal merit class (ranging from -1 to 18). With no claims the class improves by one; with one claim at fault it worsens by two classes; from the second claim it worsens by three classes. Claims with at-fault share ≤50% do not trigger malus unless cumulative shared responsibility over 5 years exceeds 51%.
Territorial scope
Cover applies in Italy and EU member states (in Cyprus only in areas under the control of the Government of the Republic of Cyprus), Vatican City, San Marino, Monaco and Liechtenstein, plus other states listed and not crossed out on the international insurance certificate (ex Green Card); abroad, RC Auto cover applies under the conditions and limits of the local legislation, with the higher contractual guarantees always prevailing.
Documents
Insurance Conditions - Passenger Cars (Ed. 07/2025) (opens in a new tab)
Terms & conditions · PDF
DIP - Genertel Auto (Ed. 01/2026) (opens in a new tab)
Product information sheet · PDF
DIP Aggiuntivo - Genertel Auto R.C. auto e rischi accessori (Ed. 07/2025) (opens in a new tab)
Product information sheet · PDF
Policy specifics
Extended RC coverage for private areas
RC Auto coverage is extended at no additional cost for damages caused in private areas (excluding airport areas)
SourceRC coverage for towed trailers
RC Auto coverage is extended for damages caused by regularly towed trailers
SourceRC coverage for third-party damage from vehicle fire
RC coverage includes damages to third parties caused by vehicle fire in private areas, limited to 3% of policy limit or EUR 500,000 maximum per policy year
SourceExpert driver deductible restriction
If the policyholder declared that the vehicle is never driven by anyone under 25 (the 'inesperto' profile), the deductible stated in the policy applies to the RC guarantee if a driver under 25 causes the accident.
SourceClause Art. 1.1Page Pagina 12 di 48Section: SEZIONE 1 RESPONSABILITÀ CIVILE > CHI PUÒ GUIDARE IL VEICOLO ASSICURATO?
La garanzia opera chiunque sia il conducente al momento del sinistro, ma se il contraente ha dichiarato che il veicolo non viene mai guidato da un conducente di età inferiore ai 25 anni (c.d. conducente inesperto) si applica la franchigia prevista in contratto.
Direct settlement to third-party victims
For RC coverage, Genertel pays indemnity directly to the injured third party (not reimbursement to policyholder). For valid claims, insurer communicates settlement offer within 30 days of complete documentation; payment to victim within 15 days of acceptance
SourceMandatory incident notification within 3 days
Policyholder must notify Genertel of any incident within 3 days of the event or knowledge thereof, regardless of fault
SourceTwo-year prescription period for RC claims
For RC coverage, the two-year prescription period begins on the day the third party requests compensation from the policyholder or initiates legal action against them
SourceCoverage scope when vehicle circulates abroad
RC Auto coverage applies abroad according to the conditions and limits of each national legislation; contract terms provide coverage equal to or greater than local minimum requirements
SourceClause Art. 4Page Pagina 4 di 48Section: Norme Comuni > Art. 4 - Estensione territoriale
Quando si circola all’estero l’assicurazione R.C.A. vale secondo le condizioni ed entro i limiti delle singole legislazioni nazionali; valgono comunque le maggiori garanzie previste dal contratto.
Insurer right of recourse against policyholder
Genertel reserves the right to exercise recourse against the policyholder for RC claims paid, subject to conditions under Article 144 of the Insurance Code (when applicable); exceptions include waiver for expired but recently renewed licenses and limited waivers for inexperienced drivers
SourceClause Art. 1.6Page 14Section: SEZIONE 1 RESPONSABILITÀ CIVILE > CI SONO LIMITI DI COPERTURA?
In tutti i casi sopra citati Genertel può agire in rivalsa per gli eventuali danni comunque liquidati a terzi.
Sources
- genertel.ithttps://www.genertel.it/assicurazioni/documenti/condizioni_generali_assicurazione/condizioni-di-assicurazione-auto.pdf#page=17(opens in a new tab)
- genertel.ithttps://www.genertel.it/assicurazioni/documenti/condizioni_generali_assicurazione/condizioni-di-assicurazione-auto.pdf#page=18(opens in a new tab)
- genertel.ithttps://www.genertel.it/assicurazioni/documenti/condizioni_generali_assicurazione/condizioni-di-assicurazione-auto.pdf#page=19(opens in a new tab)
- genertel.ithttps://www.genertel.it/assicurazioni/documenti/condizioni_generali_assicurazione/condizioni-di-assicurazione-auto.pdf#page=28(opens in a new tab)
- genertel.ithttps://www.genertel.it/assicurazioni/documenti/condizioni_generali_assicurazione/condizioni-di-assicurazione-auto.pdf#page=34(opens in a new tab)
- genertel.ithttps://www.genertel.it/assicurazioni/documenti/condizioni_generali_assicurazione/condizioni-di-assicurazione-auto.pdf#page=39(opens in a new tab)
- genertel.ithttps://www.genertel.it/assicurazioni/documenti/condizioni_generali_assicurazione/condizioni-di-assicurazione-auto.pdf#page=6(opens in a new tab)
- genertel.ithttps://www.genertel.it/assicurazioni/documenti/condizioni_generali_assicurazione/condizioni-di-assicurazione-auto.pdf#page=8(opens in a new tab)
- genertel.ithttps://www.genertel.it/assicurazioni/documenti/condizioni_generali_assicurazione/condizioni-di-assicurazione-auto.pdf#page=9(opens in a new tab)
- quixa.ithttps://www.quixa.it/wp-content/documents/SetInformativi/ed.24.03.2026_Auto.pdf#page=2(opens in a new tab)
Genertel Motor third-party liability