Nobis Compagnia di Assicurazioni S.p.A.
Nobis
Nobis is a motor third-party liability insurance for the Italy market with no online purchase and 24/7 assistance.
Direct payment
Nobis offers an optional 'risarcimento in forma specifica' (direct/cashless settlement) clause giving a premium discount in exchange for having accident repairs carried out at an authorised repairer for direct-indemnity claims; under the current edition this option can only be selected on policies with an inception date before 1 April 2023 and is not available on new contracts.
Geographic scope
National (Italy)
Coverage applies in Italy, Vatican City, San Marino, all EU member states, and Andorra, Iceland, Liechtenstein, Norway, Monaco, Serbia and Switzerland, as well as any other Green Card system country not crossed out on the Green Card certificate issued with the policy.
Unique selling points
- 24/7 policy and claims management via the 'Nobis Con Te' mobile app.
- Dedicated round-the-clock assistance helpline with separate domestic and international numbers for roadside and claims support.
- Free vehicle pick-up and drop-off service when the nearest authorized repairer is more than 20 km (extra-urban) or 4 km (urban) from the policyholder's residence.
- No deduction for wear and depreciation on spare parts for partial-damage claims within the first 5 years of the vehicle's life when repaired through the authorized network.
Coverage limits
Bodily injury liability
€6,450,000
Only in legal_minimum, increased_limit_optional
Statutory minimum liability limit for injury or death caused to third parties by the circulation of the insured vehicle, regardless of the number of victims involved in the claim; the policyholder may pay an additional premium to select a higher limit above this legal minimum.
Property damage liability
€1,300,000
Only in legal_minimum, increased_limit_optional
Statutory minimum liability limit for damage to third-party property caused by the circulation of the insured vehicle, regardless of the number of victims involved in the claim; a higher limit is available as a paid optional clause.
Legal protection (Tutela della Circolazione)
€15,000
Optional add-on covering legal, expert and arbitration costs relating to the vehicle's circulation, up to €15,000 per claim with no annual aggregate limit; requires selection on the policy schedule and payment of a separate premium.
Green Card (international motor insurance certificate)
Covered
The insurer is required by law to issue the Green Card on request; it is not a monetary sum insured but a certificate valid for the period indicated, enabling circulation in all Green Card system states whose codes are not crossed out on the document.
Roadside assistance (Assistenza Stradale)
Optional
Only in Formula Assistenza, Formula Assistenza Light
Optional add-on requiring a separate premium, active 24/7. Includes towing at the insurer's cost, a replacement vehicle for up to 30 days, hotel expenses up to €300 per event, passenger repatriation/onward travel up to €500 per event, taxi service up to €100, vehicle repatriation from abroad up to €2,500, and non-emergency ambulance transport up to 200 km per year; also available in a reduced 'Light' version excluding the replacement vehicle service.
Driver accident insurance (Infortuni del Conducente)
Optional
Optional cover for the driver's accidental death or permanent disability while driving the insured vehicle; the insured capital is chosen by the policyholder at inception rather than being a fixed default sum, and the permanent-disability indemnity is subject to a fixed absolute deductible of 3% of the assessed disability.
Passenger accident insurance and medical expense reimbursement
Optional
Only in Estensione Infortuni Trasportati, Estensione Protezione Famiglia
Optional extension of the driver accident cover to passengers transported in the insured vehicle, sharing the same policyholder-chosen capital (apportioned pro-rata among all injured parties if aggregate claims exceed the sum insured). Includes reimbursement of accident-related medical expenses up to €2,500 per event/year, subject to a 25% deductible with a minimum of €250. A separate 'Protezione Famiglia' extension additionally provides €40,000 per vehicle for insured family members, subject to a 60% absolute deductible.
Key conditions
Territorial scope
Coverage applies in Italy, Vatican City, San Marino, all EU member states, and Andorra, Iceland, Liechtenstein, Norway, Monaco, Serbia and Switzerland, plus any other Green Card system country not crossed out on the Green Card certificate.
Green card rules
The insurer is required by law to issue the Green Card on request; it is valid for the period indicated on the document and covers circulation in all Green Card system states whose codes are not crossed out on the card.
Driver restrictions
The base policy does not restrict who may drive the insured vehicle. Optional 'Guida Esclusiva' or 'Guida Esperta' clauses can be selected for a premium discount, requiring the driver to be at least 26 years old and to have held a licence for at least 3 years; breach of these clauses entitles the insurer to recover from the policyholder up to €3,000 of any amount paid to third parties.
Claim notification deadline
The policyholder must give immediate telephone notice of a claim (800.196.958 from Italy, +39.039.9890017 from abroad) and submit the written claim form (CAI) within 3 days of the event or of becoming aware of it; late notice may reduce or forfeit the indemnity under art. 1915 of the Civil Code.
Bonus-malus rules
The RCA premium follows a Bonus/Malus system with 24 internal Nobis merit classes (from -5, maximum discount, to 18) and the corresponding CU (universal conversion) classes from 1 to 18. The class for the following year depends on the number of at-fault or majority/paritary-liability claims paid during the observation period, which runs from 60 days before the current renewal to 60 days before the next renewal.
Documents
Nobis Car policy terms and conditions (Set Informativo, tariff edition 01/09/2024)
Terms & conditions
Nobis Car DIP Danni and DIP Aggiuntivo (precontractual information documents)
IPID
Nobis Car policy set – previous edition (model NC.RCA.2018.002-2021.002, 01/05/2021)
Other document
Nobis Car policy contract – historical edition (January 2018)
Other document
Policy specifics
Authorized repair network (direct settlement)
For direct settlement claims, policyholder must use authorized repair centers; otherwise cash indemnity is paid with specific deductibles
SourceFire and Theft coverage (automatic inclusion)
Fire and Theft sections are automatically activated when purchasing Nobis Car policy; can be supplemented with additional CVT guarantees
SourceMinimum mandatory liability limits
Italian law establishes minimum liability coverage of €6,450,000 per claim for bodily injury and €1,300,000 for property damage, independent of number of victims
SourceNo depreciation on spare parts for first 5 years
For partial-damage claims repaired through the authorized network within the first 5 years of the vehicle's life, no depreciation is applied to spare-part costs; after this period, depreciation based on wear and age is applied.
SourceClaims notification procedure and timing
Policyholder must immediately notify insurer by phone (800.196.958 from Italy, +39 011 4518751 from abroad) and submit written notice within 3 days of event or discovery
SourceMaximum vehicle age for insurability
Vehicles registered more than 10 years ago are not insurable under Nobis Car policy
SourceAuthorized repair center network and substitution vehicle
Nobis maintains a network of 806+ authorized repair centers across Italy; customers entitled to substitute vehicle during repair period through qualified partnerships
SourceNo depreciation on spare parts for first 3 years
For partial damage claims within first 3 years of vehicle life, no depreciation is applied to spare parts; value reimbursement is at full replacement cost
Source