Groupama Assicurazioni S.p.A.
Groupama
Groupama is a motor third-party liability insurance for the Italy market with no online purchase and 24/7 assistance.
Direct payment
The premium must be paid at the Agency that issues the policy. Payment can be made by non-transferable bank/postal/cashier's check, bank transfer or other electronic payment made out to Groupama or the Intermediary, or in cash up to the legal limit. The premium may be split into semi-annual (+3%) or four-monthly (+4%) instalments.
Geographic scope
Italy, Vatican City, San Marino, EU member states, and Green Card countries not excluded on the certificate
Coverage applies within the Italian Republic, Vatican City, San Marino and EU states; it also applies in the states listed and not crossed out on the international insurance certificate (Green Card)
Unique selling points
- Maxi Valore RCA lets policyholders preserve their bonus/malus merit class after an at-fault claim by reimbursing 90% of the settled amount, up to €1,000.
- Direct indemnification of up to €3,500 (or €3,000 without the convention network) for accidents caused by uninsured or unidentified (hit-and-run) vehicles, beyond the standard Fondo Garanzia Vittime della Strada process.
- 24/7 roadside assistance and claims support available through the My Groupama app, including real-time RCA coverage checks and nearby affiliated bodywork shop locator.
- Policyholders using the network of affiliated bodyshops benefit from no upfront repair costs when not at fault, free vehicle cleaning, and halved or waived deductibles/excesses on several optional guarantees.
Coverage limits
Bodily injury liability
€6,450,000
The law sets a minimum per-claim limit of €6,450,000 for bodily injury caused to third parties under compulsory MTPL cover; higher limits can be agreed with the Company by paying a higher premium.
Property damage liability
€1,300,000
The law sets a minimum per-claim limit of €1,300,000 for property damage caused to third parties under compulsory MTPL cover; higher limits can be agreed with the Company by paying a higher premium.
Legal defence (Tutela Legale)
€25,000 – €50,000
Only in Formula Base, Formula Super
Optional legal expenses cover for the insured's judicial and extrajudicial defence following a covered event, managed by ARAG SE, offered in a Formula Base (€25,000 limit per claim) and a Formula Super (€50,000 limit per claim), each with no limit on the number of claims per year.
Green Card / international certificate coverage
Covered
Cover automatically extends to the states listed and not crossed out on the international insurance certificate (Green Card). If the underlying policy is cancelled or suspended, the Company still guarantees Green Card operability until a new policy for the same risk takes effect, and in any case no later than 24:00 on the 15th day following expiry.
Roadside assistance (Garanzia Assistenza)
Optional
Only in SILVER, GOLD
Optional 24/7 roadside assistance provided via Europ Assistance, offered in SILVER and GOLD formulas covering towing, mobile workshop repairs, replacement car (7 days Silver / 30 days Gold), taxi reimbursement (up to €50), and, in the Gold formula, additional benefits such as hotel expenses, repatriation and legal expense advances (up to €3,500).
Driver accident cover (Infortuni del Conducente)
Optional
Optional personal accident cover for the driver of the insured vehicle, providing benefits for death, permanent disability (with a 3% franchise), hospital daily allowance (up to 360 days) and reimbursement of medical expenses; sums insured are chosen by the policyholder among combinations offered by the Company.
Passenger accident cover
No limit stated
No standalone passenger (third-party occupant) personal accident guarantee is offered on this product; injuries to passengers are only addressed within the standard MTPL third-party liability extensions and the driver-only accident guarantee.
Key conditions
Territorial scope
The insurance is valid in the territory of the Italian Republic, Vatican City, San Marino and EU Member States, and also in the states listed and not crossed out on the international insurance certificate (Green Card).
Green card rules
When driving abroad, MTPL cover operates according to the conditions and limits of each national legislation, without prejudice to broader guarantees provided by the policy. The Green Card is valid for the period stated on it, but the Company guarantees its operability until a new policy takes effect for the same risk, and in any case no later than 24:00 on the 15th day after expiry.
Driver restrictions
Cover does not operate (and the Company exercises a right of recourse) if the driver is unlicensed, if the vehicle is used for driving lessons without a qualified instructor, if the driver holds an expired or invalid licence, in cases of irregular passenger transport, if the driver is under the influence of alcohol or drugs, if the vehicle carries a test plate used unlawfully, or if hire-with-driver is carried out without the required licence; recourse may also be limited or waived under specific optional clauses (e.g., Rinuncia alla rivalsa, Guida Esclusiva/Esperta).
Claim notification deadline
The insured must present a claim notification promptly to the Agency (using the 'constatazione amichevole' form) or to the Company by registered letter; no fixed number of days is specified in the policy documents, but omission, inaccuracy or delay in notification may trigger the Company's right of recourse.
Bonus-malus rules
The tariff uses a Bonus/Malus system with 28 merit classes; at each annual renewal the policy is reassigned to a new class based on the number of at-fault or equally-at-fault claims recorded during the observation period, with automatic premium reductions in the absence of claims. Policyholders may also purchase a 'Bonus Protetto' option to avoid a malus increase after a single claim, or exercise the 'riscatto sinistro' facility to repay a claim amount and preserve their merit class.
Where to buy
Policy specifics
Merit class preservation
Maxi Valore RCA allows policyholders to preserve their merit class in case of at-fault accidents by reimbursing 90% of damages up to €1,000 maximum
SourceUninsured vehicle protection
Maxi Valore RCA provides reimbursement (up to €3,500 maximum for damages recognized and liquidated by FGVS) when accident is with an uninsured third party
SourceUnidentified vehicle hit-and-run protection
Maxi Valore RCA covers accidents with unidentified vehicles (hit-and-run) providing direct indemnification from Groupama
SourceAnnual premium cost
Maxi Valore RCA costs approximately €30 per year as an optional add-on to base RCA policies
SourceDriver condition exclusions
Maxi Valore RCA does not cover accidents when driver lacks license, is intoxicated, under influence of drugs, or engaged in non-compliant driving practices (active/passive towing)
SourceActive claim procedure requirement
Maxi Valore RCA requires policyholder to actively request reimbursement with supporting documentation (unlike Bonus Protetto which is automatic on first claim)
Source