Reviewed from source documents

Great Lakes Insurance SE – Italian Branch (General Representative Office for Italy)

Prima Assicurazioni

Prima Assicurazioni is a motor third-party liability insurance for the Italy market with online purchase and 24/7 assistance.

Last verified Aug 31, 2026Reviewed by: Boleron EUTerms & conditions: 2025-10-08Underwritten by: Great Lakes Insurance SE
Online purchase24/7 helpline

Direct payment

Great Lakes participates in the CARD direct compensation convention (arts. 149–150 of the Insurance Code): for eligible two-vehicle collisions in Italy, San Marino and Vatican City the insured person can claim compensation directly from Great Lakes rather than from the at-fault driver's insurer.

Geographic scope

Italy (nationwide)

Valid throughout the EU, Switzerland, Iceland, Liechtenstein, Norway, Monaco, San Marino, Andorra, Vatican City, the United Kingdom, Montenegro, Serbia and Bosnia and Herzegovina (states not crossed out on the Green Card).

Unique selling points

  • Participates in the CARD direct-compensation scheme, letting policyholders claim straight from Great Lakes instead of the at-fault driver's insurer.
  • Liability limits can be raised well above the legal minimum, up to a combined €50,000,000 single ceiling for both personal injury and property damage.
  • The 'Ripara Prima' option gives a premium discount in exchange for repairing at a network body shop, including a free courtesy car and vehicle pick-up/drop-off service.
  • The 'Bonus protetto' add-on lets drivers avoid a malus class increase after a single at-fault claim per observation period.
  • Policyholders can suspend the contract free of charge for up to 300 days a year via the online reserved area, instead of paying for unused cover.

Coverage limits

Bodily Injury Liability (Third-Party)

€6,450,000 – €50,000,000

Mandatory third-party motor liability cover for bodily injury, with a customer-selectable limit starting from a minimum of €6,450,000, with optional higher limits of €10,000,000, €25,000,000, or a combined single €50,000,000 ceiling (unified for persons and property), for an additional premium.

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Property Damage Liability (Third-Party)

€1,300,000 – €50,000,000

Mandatory third-party motor liability cover for property damage, with a minimum limit of €1,300,000, and optional higher limits of €5,000,000, €10,000,000, or a combined single €50,000,000 ceiling (unified for persons and property), for an additional premium.

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Legal Protection (Tutela Legale)

€10,000 – €40,000

Optional legal protection cover for stragiudiziale/giudiziale assistance connected to the vehicle, offered at four selectable levels: Base (€10,000 limit), Super (€20,000), Premium (€30,000) and Top (€40,000), each with progressively broader scope (e.g. civil disputes, EV/hybrid charging disputes, licence point recovery costs).

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Green Card (International Motor Insurance Certificate)

Covered

The Green Card is issued with the policy and is valid for the period for which the premium has been paid, covering circulation in EU/EEA countries and other states not crossed out on the card.

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Roadside Assistance (Assistenza Stradale)

Optional

Only in Base, Super

Optional roadside assistance guarantee available at two levels: Base (Italy, San Marino, Vatican City; towing up to 50 km, vehicle recovery up to €200, alternative transport or hotel up to €250, up to 2 events/year) and Super (extended to the whole EU/EEA plus Switzerland, Andorra, Monaco; adds taxi service up to €50, replacement car for 3/7/30 days depending on the event, vehicle repatriation up to €1,000, up to 3 events/year).

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Driver Personal Accident (Infortuni del Conducente)

Optional

Only in Base, Super

Optional personal accident cover for the driver, with the sum insured chosen by the customer and shown in the Policy Schedule. Available at two levels: Base (death/permanent disability) and Super (adds reimbursement of medical expenses up to €1,000/year with a €200 deductible, and veterinary expenses for a pet on board up to €1,000/year).

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Passenger Personal Accident

No limit stated

The policy documentation does not describe a stand-alone personal-accident benefit for transported passengers; only third-party liability for damages caused by passengers, and RCA-based compensation to injured passengers under art. 141 of the Insurance Code, are covered.

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Key conditions

Territorial scope

Cover is valid throughout the EU, Switzerland, Iceland, Liechtenstein, Norway, Monaco, San Marino, Andorra, Vatican City, the United Kingdom, Montenegro, Serbia and Bosnia and Herzegovina (states not crossed out on the Green Card); Legal Protection and Roadside Assistance have their own territorial rules set out in the Conditions of Insurance.

Green card rules

The Green Card is valid for the period for which the premium has been paid and is required for circulation abroad in states outside the EU direct-recognition zone.

Driver restrictions

Three optional driving formulas are available: 'guida libera' (any licensed driver), 'guida esperta' (drivers aged 26+), and 'guida esclusiva' (only the named habitual driver, aged 26+); using a driver outside the chosen formula triggers a right of recourse by the insurer of up to €2,500 for the first claim of the year.

Claim notification deadline

The claim must be reported to the company as soon as possible and in any case within 3 days from when it occurred or from when the policyholder/insured became aware of it.

Bonus-malus rules

The RCA cover is written under a Bonus/Malus tariff system with 26 merit classes (from 1H to 18); premiums decrease in the absence of claims and increase after claims with main or shared liability during the observation period, according to the evolution tables in Annex 1 of the Conditions of Insurance.

Where to buy

Prima Assicurazioni – Online RC Auto quote
Get a quote (Great Lakes product page)

Documents

DIP Danni – Precontractual Information Document

IPID

Open

DIP Aggiuntivo R.C. Auto

Other document

Open

Conditions of Insurance – Polizza Auto

Terms & conditions

Open

Policy specifics

Direct Compensation System (CARD)

Great Lakes Insurance SE participates in the direct compensation system (CARD) under articles 149-150 of the Private Insurance Code

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Maximum Coverage Limits

The insurer compensates for damages with a customer-selected limit ranging from minimum of €6.45 million for personal injury and €1.3 million for property damage to maximum of €10 million for personal injury and €5 million for property damage

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Ripara Prima Tariff Option

Optional tariff option that provides a premium discount if the insured commits to repair the vehicle at authorized repair shops

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Territorial Coverage

RC coverage is valid throughout the entire EU territory, Switzerland, Iceland, Liechtenstein, Norway, Monaco, San Marino, Andorra and Vatican City

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Claims Notification Deadline

For RC Auto claims, notification must be made to the company within 3 days from when the claim occurred or from when the policyholder became aware of it

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Excluded Persons (Property Damage)

For property damage only, the following are not considered third parties and are not covered: the vehicle owner, usufructuary, buyer with reservation of title, lessee, spouse (if not legally separated), cohabitant, ascendants and descendants, and relatives or relatives by marriage within the third degree living with the driver

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Bonus-Malus Tariff System

Not established from the insurer's documents

The contract is stipulated with a Bonus/Malus tariff formula which provides for premium reductions or increases respectively in the absence or presence of claims within the observation period

SourceThird-party source, not the insurer's document

Policy Duration and Renewal

Not established from the insurer's documents

The insurance policy has an annual duration and automatically ceases on the expiry date at 24:00 unless renewed. No automatic renewal is provided

SourceThird-party source, not the insurer's document

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