Reviewed from source documents

HDI Assicurazioni S.p.A.

Name: HDI Assicurazioni S.p.A. Motor third-party liability
Brand: HDI Assicurazioni S.p.A.
SKU: italy-mtpl-hdi

HDI

HDI is a motor third-party liability insurance for the Italy market with no online purchase and limited assistance availability.

Last verified Aug 31, 2026Reviewed by: Boleron EUTerms & conditions: 2024-11Underwritten by: HDI Assicurazioni S.p.A.

Direct payment

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Geographic scope

Italy (entire national territory)

Coverage applies automatically without a Green Card in EU countries and in Iceland, Liechtenstein, Norway, Andorra, Bosnia and Herzegovina, Serbia and Switzerland; a Green Card is required to circulate in other countries such as Turkey, Russia, Ukraine, Israel, Tunisia and others.

Unique selling points

Includes free liability extensions at no extra cost, such as cover for circulation in private areas, damage caused by the tow hook, and trailer liability.
RC Auto cover is always valid regardless of who is driving, with no time or mileage limitations.
Optional roadside assistance is available in three increasingly comprehensive formulas through partner Europ Assistance.
The Tutela Legale criminal-defence limit is raised from EUR 20,000/25,000 to EUR 50,000 in cases of vehicular homicide or serious personal injury.
Hail damage is covered with no deductible when the vehicle is repaired at partner workshops.

Coverage limits

Bodily injury liability

€6,450,000

Statutory per-claim minimum under Italian law (D.Lgs. 209/2005) for injury to third parties, regardless of the number of people involved in the accident; the applicable limits are those agreed and stated in the policy schedule (Scheda di Polizza).

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Property damage liability

€1,300,000

Statutory per-claim minimum under Italian law (D.Lgs. 209/2005) for damage to third-party property, regardless of the number of people involved; the applicable limits are those agreed and stated in the policy schedule.

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Legal defence / Tutela Legale

€20,000 – €25,000

Optional legal protection add-on offered in two formulas (Basic and Premium) with increasing benefits. Basic covers up to EUR 20,000 for claiming compensation for extra-contractual damage caused by third parties, including criminal defence for negligence-related offences and contraventions connected to road accidents; this limit is raised to EUR 50,000 for criminal defence in cases of vehicular homicide or serious personal injury. Premium includes all Basic guarantees with a EUR 25,000 limit, plus costs for pursuing recovery of damages under the direct-settlement (indennizzo diretto) procedure.

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Green Card (international motor insurance certificate)

Covered

International insurance certificate that proves the vehicle's RCA coverage and allows travel abroad without worry; automatically valid in EU countries and several other European states, required for certain non-EU countries.

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Roadside assistance

Optional

Optional roadside assistance offered in three increasingly comprehensive formulas through partner Europ Assistance, providing a mobile workshop or tow truck in case of accident, breakdown, fire, theft, flat tyre, running out of fuel, or lost keys, plus phone support for completing the accident report (CAI).

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Driver accident (personal injury)

Optional

Optional cover insuring the driver in case of accident, permanent disability, or death occurring while driving the vehicle or getting in/out of it.

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Passenger bodily injury liability

Covered

Liability for bodily injury to passengers transported in the insured vehicle, whatever the basis of transport, falls within the same bodily-injury liability limit as third-party claims (not a separate accident sum).

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Key conditions

Territorial scope

The RC Auto cover is automatically valid, without needing to carry a Green Card, throughout Italy, the EU, Iceland, Liechtenstein, Norway, Andorra, Bosnia and Herzegovina, Serbia and Switzerland; the Green Card is still required for certain other countries.

Green card rules

Since EU agreements, the Green Card is no longer required within EU countries as guarantees operate automatically on the basis of the Italian RC Auto policy; it is still required, for example, for Turkey, Russia, Ukraine, Belarus, Israel, Moldova and Tunisia.

Driver restrictions

The RC Auto cover is always valid regardless of who is driving the vehicle and without time or mileage limitations.

Claim notification deadline

3 giorni

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Bonus-malus rules

The bonus/malus merit class is calculated based on a five-year claims observation period; for claims with principal responsibility, the observation period starts from the policy inception date and runs through claims assessment.

Documents

DIP - Pre-contractual Information Document - Cars

IPID

Open

Additional Pre-contractual Information Document - Cars

IPID

Open

Insurance Terms and Conditions - Cars

Terms & conditions

Open