ITAS - Istituto Trentino-Alto Adige per Assicurazioni Società Mutua di Assicurazioni (Gruppo ITAS Assicurazioni)
ITAS
ITAS is a motor third-party liability insurance for the Italy market with online purchase and 24/7 assistance.
Direct payment
For accidents between two identified motor vehicles regularly insured with companies adhering to the direct settlement system (CARD), ITAS Mutua compensates its own non-responsible policyholder directly on behalf of the responsible party's insurer (risarcimento diretto, art. 149 C.A.). Optionally, the policyholder can choose the 'Risarcimento in forma specifica' guarantee, which settles claims via direct repair at an ITAS-affiliated body shop within 30 km of the policyholder's residence, with a 5% premium discount; repairs at non-affiliated shops are reimbursed with a 10% deduction. Indemnity is paid within 15 non-holiday days from the settlement act.
Geographic scope
Whole national territory
Republic of Italy, Vatican City, Republic of San Marino, EU member states, Liechtenstein, Andorra, Monaco, Serbia, Switzerland, Bosnia and Herzegovina, Montenegro, United Kingdom, and other Green Card states not crossed out on the international certificate
Unique selling points
- Waives its right of recourse against drivers involved in accidents while under the influence of alcohol or drugs, a protection most insurers do not grant.
- Offers a 5% premium discount for choosing direct in-kind settlement through the ITAS affiliated body shop network.
- Provides free 24/7 psychological support for road accident victims and their families through the ANIA Cares project.
- Includes one free legal consultation per year, delivered through the ITAS mobile app, even on matters unrelated to the policy.
- Rewards young drivers aged 18-26 who sign the 'Patto per i giovani' behavioural code with a discount on the MTPL premium.
Coverage limits
Bodily injury liability
Covered
ITAS Mutua covers civil liability for compulsory motor insurance up to the single combined limit per claim agreed and stated in the individual policy schedule; this single limit covers both bodily injury and property damage to third parties, including transported persons regardless of the title of transport. If the agreed limit exceeds EUR 11,000,000, damages caused by circulation in airport areas are covered up to a maximum of EUR 11,000,000.
Property damage liability
Covered
Property damage to third parties is covered under the same single combined per-claim limit agreed and stated in the individual policy schedule as bodily injury liability; the policy also covers direct damage caused by circulation in private areas.
Legal defence (Tutela legale)
€100,000
Only in Tutela legale base, Tutela legale estesa
Legal protection is an optional section purchasable only together with the MTPL guarantee. 'Tutela legale base' covers judicial and extra-judicial assistance for accident-related claims and criminal defence, with the sum insured per claim indicated in the policy; contractual disputes over EUR 500 are covered up to EUR 10,000 per year, and expert/technical consultant costs for insured boats up to EUR 15,000 per year. The optional 'Tutela legale estesa' extends worldwide coverage and additional protections up to EUR 100,000 (also valid for the base guarantee). A free annual legal consultation via the ITAS App is included.
Green Card (international insurance certificate)
Covered
The policy is valid, without a monetary sub-limit, in Italy, Vatican City, San Marino, EU states, and other listed states, plus any other state whose international code on the Green Card certificate is not crossed out. ITAS Mutua issues the Green Card certificate on the policyholder's request; it is valid for the same period for which the premium or premium instalment has been paid.
Roadside assistance
€50 – €15,000
Only in Assistenza stradale autovettura, Assistenza stradale autocarro
Optional roadside assistance sections (Autovettura and Autocarro) provide towing, mobile workshop, vehicle recovery, replacement vehicle, hotel expenses, medical/sanitary repatriation, corpse repatriation, and legal/cash advances abroad, each benefit limited per claim/year (e.g. towing EUR 500-1,500, taxi EUR 50, medical repatriation up to EUR 15,000, replacement vehicle up to 30 days). Each benefit is available up to three times per insurance year.
Driver accident (Infortuni del conducente)
Optional
Optional section, purchasable only with the MTPL guarantee, covering death or permanent disability (over 4%) of the driver due to accidents connected with the vehicle's circulation, up to the sum insured stated in the policy, with an absolute franchise of 4% on partial permanent disability. Medical expense reimbursement up to EUR 500 per insurance year is included. Not provided for drivers over 80 years of age.
Passenger accident / third-party liability for transported persons
Covered
The base MTPL guarantee includes liability for bodily injury caused to transported persons, whatever the title of their transport, within the single combined limit per claim stated in the policy; this is not a separate accident sum but part of the RCA liability limit.
Key conditions
Territorial scope
Valid in Italy, Vatican City, San Marino, EU states, Liechtenstein, Andorra, Monaco, Serbia, Switzerland, Bosnia and Herzegovina, Montenegro, United Kingdom, and other states listed as adhering to the Green Card system whose international code is not crossed out on the certificate.
Green card rules
ITAS Mutua issues the Green Card (international insurance certificate) on the policyholder's request; it is valid for the same insurance period for which the premium or premium instalment has been paid, and the policyholder must destroy or not use the certificate and Green Card upon transfer, theft or termination of the vehicle.
Driver restrictions
No general driver restriction applies to the base MTPL cover. Optional clauses can restrict or reward specific drivers: 'Guida esperta' limits driving to persons aged 25+ (owner 26+) with a premium discount, applying a repayable recourse up to EUR 2,000 if a younger driver causes a claim; 'Patto per i giovani' applies a behavioural code and recourse up to EUR 500 for drivers aged 18-26.
Claim notification deadline
The policyholder or insured must notify ITAS Mutua or the agency of a claim within three days of becoming aware of it (art. 1913 of the Civil Code); failure to comply may result in total or partial loss of the right to indemnity (art. 1915 Civil Code).
Bonus-malus rules
Premium evolves according to a Bonus/Malus merit class system with 30 internal ITAS classes (19-48) linked to a national universal conversion class (Classe CU, 1-18) governed by IVASS Regulation 58/2026 under art. 134 of the Insurance Code, based on claims recorded during the observation period, with specific rules for new vehicles, the 'Bersani-Bonus Familiare' additional-vehicle benefit, vehicle transfers, inheritance, and leasing/rental situations. An optional 'Bonus protetto' clause can neutralise the malus effect of the first claim in the observation period.
Where to buy
Policy specifics
Direct settlement with repair network
Insured commits to using ITAS Mutua partner body shops for vehicle repairs within 30 km from residence or claim location, with premium discount of 5%
SourceGeographic coverage for motor vehicles
Motor vehicle insurance covers Italy, Vatican City, Republic of San Marino, and EU member states adhering to Green Card system
SourceFire and explosion damage coverage
ITAS Mutua indemnifies direct material damage to vehicle from fire, explosion, burst, lightning and related events
SourceNo-degradation or replacement value extension
Optional coverage extension allowing different indemnification calculation criteria for collision damage, available with alternative premium rate structures
SourceCollision with identified vehicles coverage
Coverage for vehicle damage from collision with identified and traceable vehicles, with specific conditions on indemnification method
SourceRepair network 30 km geographic restriction
When selecting direct settlement option, partner body shop must be within 30 km from policyholder residence or vehicle location at claim reporting, as calculated by Google Maps
SourceBonus/Malus merit classification system
Premium calculation incorporates Bonus/Malus merit class system based on driving record, claims history, and statutory rate assignment rules including Bonus Familiare provisions
SourceAnnual contract term without automatic renewal
Contract has one-year duration or, on request, one year plus fraction thereof; terminates automatically at annual expiry and is not automatically renewed
Source