Reviewed from source documents

Intesa Sanpaolo Assicurazioni S.p.A.

Intesa Sanpaolo Protezione

Intesa Sanpaolo Protezione 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: 2026-08Underwritten by: Intesa Sanpaolo Protezione S.p.A.

Online purchase24/7 helpline

Direct payment

The annual premium must be paid in a single instalment at policy issuance, by debit from the policyholder's current account or via other payment methods made available by Intesa Sanpaolo or Intesa Sanpaolo Protezione from time to time; the premium includes taxes and the National Health Service contribution. The customer may alternatively request to pay via the Intesa Sanpaolo 'XME Prestito Diretto' instalment financing.

Geographic scope

Italy, San Marino and Vatican City (vehicles must be registered in one of these territories)

Coverage is valid in Vatican City, San Marino, Italy and the other EU member states, as well as Norway, Iceland, Liechtenstein, Monaco, Switzerland, Andorra, and the United Kingdom and Northern Ireland; coverage also applies in other Green Card convention states whose country code has not been crossed out on the document.

Unique selling points

Glass repair is carried out with no excess/deductible at all when using one of the partner networks Carglass, Doctorglass, Glassdrive or Rapidglass.
Fire/theft, vandalism/natural-event and collision claims benefit from 'Valore a Nuovo' protection: no depreciation on total-loss settlements within 12 months of first registration, and no commercial depreciation on replacement parts within 24 months.
Collision damage from hitting wild animals is covered up to 5,000 EUR at no extra premium, included automatically within the optional Collisione guarantee.
A 'Bonus Protetto' option lets the first at-fault claim in a policy year leave the merit class unaffected, when combined with the excess-based tariff.
Repairing at an Intesa Sanpaolo Protezione partner body shop halves the applicable excess/deductible on Fire, Theft, Vandalism/Natural Events and Collision claims.

Coverage limits

Bodily Injury Liability (RC Auto)

€6,450,000 – €25,000,000

The law sets a minimum limit of 6,450,000 EUR per claim for injury to persons, regardless of the number of people involved. The policyholder may choose a higher unified single limit per claim (covering both personal injury and property damage) among 7,750,000 EUR, 10,000,000 EUR or 25,000,000 EUR, against a higher premium.

Property Damage Liability (RC Auto)

€1,300,000 – €25,000,000

The law sets a minimum limit of 1,300,000 EUR per claim for damage to property and animals, regardless of the number of people involved. The policyholder may instead choose a higher unified single limit per claim among 7,750,000 EUR, 10,000,000 EUR or 25,000,000 EUR, against a higher premium.

Legal Protection (Tutela Legale)

€10,000

Only in Formula Base, Formula Estesa

Optional guarantee reimbursing, up to 10,000 EUR per claim, legal costs for judicial and extrajudicial, civil and criminal assistance following a road traffic accident involving the insured vehicle. Available in a Base formula (legal defence, claims against third parties, mediation and negotiation costs) or an Estesa formula (adds licence-suspension appeals, vehicle-seizure release requests, and extends the claims action to the policyholder's family as pedestrians/cyclists/passengers of other vehicles).

Green Card (Carta Verde)

Covered

A Green Card certificate is issued together with the policy and certificate of insurance, attesting valid RC Auto cover; it is automatically recognised, and adjusted to local legislation, in all countries adhering to the Interbureaux international convention whose country code has not been crossed out on the document.

Roadside Assistance (Assistenza Stradale)

Optional

Only in Assistenza Stradale Base, Assistenza Stradale Estesa

Optional guarantee, provided via Europ Assistance Italia, available in two tiers. Base includes: on-the-spot breakdown help, towing (up to 300 EUR abroad plus 50 EUR taxi), EV battery recharge assistance, a replacement car for up to 5 days, alternative mobility (sharing/public transport) up to 100 EUR for 7 days, ambulance dispatch, accident SOS support, and stolen-vehicle recovery tickets (200 EUR in Italy / 400 EUR abroad). Estesa adds, among others, a replacement car for up to 10 days (30 days for total theft), hotel expenses up to 500 EUR, medical repatriation up to 10,000 EUR per claim/year, and home help services (physiotherapy, babysitter, pet-sitter) up to 250 EUR per claim/year each.

Driver Personal Accident (Infortuni del Conducente)

€100,000

Optional guarantee paying, up to a capital of 100,000 EUR, an indemnity in the event of death or permanent disability of the driver caused by an accident while driving or getting in/out of the insured vehicle, operative even where the driver bears total or partial responsibility for the accident.

Passenger Accident

No limit stated

No standalone passenger-accident guarantee is described in the sources. Injuries to third-party passengers are indemnified only within the mandatory RC Auto liability limits, not as a separate personal-accident benefit.

Key conditions

Territorial scope

Coverage applies in Italy, Vatican City, San Marino and the other EU member states, plus Norway, Iceland, Liechtenstein, Monaco, Switzerland, Andorra, the United Kingdom and Northern Ireland, and other Green Card system states whose code is not crossed out; abroad, RC Auto operates according to the conditions and limits of the individual national compulsory-insurance laws.

Green card rules

A Green Card is delivered with the policy and certificate; it is valid in all countries adhering to the Interbureaux international convention whose country code is not crossed out, and automatically aligns the RC Auto cover with the legislation in force in those countries where it grants greater protection to injured parties.

Driver restrictions

RC Auto can be underwritten in a 'Guida Libera' formula (any authorised driver, including those aged 18 to under 26) or a 'Guida Esperta' formula, available only if the vehicle owner is 26 or older, which restricts driving to persons aged 26 and above in exchange for a premium discount; if a driver under 26 drives under the Guida Esperta formula, the insurer's right of subrogation is limited to 20% of the damage up to a maximum of 5,000 EUR.

Claim notification deadline

In the event of a road accident, the owner or driver must notify Intesa Sanpaolo Protezione within 3 days of the event, or from when they became aware of it, via the App, phone, Area Clienti, PEC/email, registered post or branch.

Bonus-malus rules

Intesa Sanpaolo Protezione applies a proprietary Bonus/Malus rating system of 23 merit classes (SuperBonus 1 to 5, then classes 1 to 18), run in parallel with the Italian universal CU class (1-18) shown on the Attestato di Rischio, using a conversion table. Claim-free years improve the class by one step; at-fault or majority-responsibility claims worsen it by 2 to 11 classes depending on the number of at-fault claims in the observation period. A Bonus/Malus con franchigia formula (500 EUR excess) and a 'Bonus Protetto' option (protecting the merit class after the first at-fault claim per policy year) are also available.

Documents

ViaggiaConMe Classica - Insurance Product Information Document (IPID) and Additional Pre-Contractual Information Document (DIP Aggiuntivo)

IPID

ViaggiaConMe Classica - Terms and Conditions of Insurance (Condizioni di Assicurazione)

Terms & conditions

ViaggiaConMe Classica - Summary Table of Limits and Deductibles/Excess (Allegato 1)

Table of benefits

Policy specifics

ViaggiaConMe Box Satellite Device Requirement

For a Consumo and Km Illimitati variants, installation of the ViaggiaConMe Box satellite device is mandatory and must be completed within 15 working days from policy inception

Direct Claim Settlement (Risarcimento Diretto)

Not established from the insurer's documents

In Km Illimitati variant, claims are settled directly by the insurer following direct settlement procedure (Article 149 Insurance Code)

Waiver of Subrogation Right (Rinuncia alla Rivalsa)

Standard benefit: insurer waives subrogation right for drunk driving claims and third-party transport claims non-compliant with regulations

Usage-Based Premium Structure (a Consumo)

ViaggiaConMe a Consumo variant: pay 50% or 75% of premium upfront based on vehicle age, then quarterly variable premium for km exceeding 3,500 km threshold, capped at 8,500 km maximum

Proprietary Bonus/Malus System

Not established from the insurer's documents

Intesa Sanpaolo Protezione operates a proprietary Bonus/Malus system with 33 classes (SuperBonus 7 to Malus 8) in parallel with Italian universal class (CU 1–18)

Voluntary Policy Suspension for Non-Use

Policyholder can voluntarily suspend policy once per year for non-use of vehicle, for maximum 10 months (11 for classic/collectible vehicles), with 10-day notice for renewals

Exclusive Bank Account Requirement

ViaggiaConMe a Consumo, Km Illimitati, and Classica variants can be purchased exclusively by current account holders of Intesa Sanpaolo

Geographic Coverage Scope

Coverage valid in Vatican City, San Marino, Italy, EU member states, Norway, Iceland, Liechtenstein, Monaco, Switzerland, Andorra, and Serbia

No Automatic Renewal

Policy duration is one year and does NOT automatically renew. Insurer may send renewal quotation for next year, but policyholder must actively accept.

Alternative Dispute Resolution Requirement

Before filing judicial action for motor liability claims, mandatory use of assisted negotiation, fair settlement (paritetic conciliation for RC-only disputes under €15,000), and mediation procedures

Sources