Groupama Motor third-party liability (Guidamica Autovetture Mtpl)

With Maxi Valore RCA, if you buy back an at-fault claim to keep your merit class, Groupama refunds up to 90% of the amount you paid, up to a maximum of €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.

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 report the claim promptly to the Agency using the 'constatazione amichevole' form, or to the Company by registered letter; omission, inaccuracy or delay in the claim notification may trigger the Company's right of recourse under Article 1915 of the Civil Code.

Section: SEZIONE RESPONSABILITÀ CIVILE AUTO > Cosa fare in caso di sinistro > Art. 16 Modalità per la denuncia di sinistro

In caso di sinistro, l’Assicurato deve: presentare tempestivamente denuncia presso l’Agenzia utilizzando lo stampato “constatazione amichevole” (modulo blu); la denuncia può essere effettuata anche presso Groupama Assicurazioni S.p.A. inviando una raccomandata RR ... In caso di omissione, inesattezza o ritardo nella denuncia di sinistro, nonché nell’invio di documentazione, Groupama Assicurazioni S.p.A. ha diritto di rivalsa ai sensi dell'art. 1915 del c.c..

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.

Territorial scope

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)