Poste Vita S.p.A. (Gruppo Assicurativo Poste Vita, including Poste Assicura S.p.A.)
Poste Italiane
Poste Italiane is a motor third-party liability insurance for the Italy market with online purchase and 24/7 assistance.
Direct payment
For Corpi Veicoli Terrestri and Cristalli claims, Linear can settle in kind (Indennizzo in Forma Specifica) by paying UnipolService or UnipolGlass network repairers directly, with deductibles halved versus using a non-network repairer. For RCA claims between two identified insured vehicles, Linear applies the direct compensation procedure (Risarcimento Diretto), settling its own insured's claim directly instead of the claim being pursued against the at-fault party's insurer.
Geographic scope
Italy, including public and private circulation areas
Covers Italy, Vatican City, San Marino and all EU states, plus Andorra, Bosnia Herzegovina, Montenegro, Iceland, Liechtenstein, Norway, Monaco, the United Kingdom, Serbia and Switzerland, as well as other Green Card system states whose international codes are not crossed out on the Green Card.
Unique selling points
- Rivalsa (recourse against the insured) is waived for the first drink- or drug-driving claim in each policy year, limited to 10% of the damage up to a maximum of €500 instead of the full amount.
- Windscreen repairs carried out at UnipolGlass network centres are covered up to €1,500 per claim with no deductible, versus a €500 cap and a €150 deductible when using a non-network repairer.
- The policy can be suspended free of charge for up to 10 months per policy year, extendable and usable up to twice during the contract's life, with no suspension fee.
- Deductibles and excesses on Corpi Veicoli Terrestri claims are automatically halved whenever repairs are carried out through the UnipolService repair network.
- For severe third-party injury claims, Linear can arrange, via UniSalute, rehabilitation care at contracted healthcare facilities and home interventions to remove architectural barriers, in addition to the standard indemnity.
Coverage limits
Bodily Injury Liability
€6,450,000 – €40,000,000
Only in Massimale minimo di legge (complessivo €7.750.000/sinistro), Massimale complessivo €10.000.000/sinistro, Massimale complessivo €25.000.000/sinistro, Massimale complessivo €50.000.000/sinistro
Legal minimum limit is €6,450,000 per claim for bodily injury, regardless of the number of persons involved. The contraente can request a higher limit against payment of an additional premium, up to a combined ceiling of €50,000,000 per claim (€40,000,000 for persons within that combined tier).
Property Damage Liability
€1,300,000 – €10,000,000
Only in Massimale minimo di legge (complessivo €7.750.000/sinistro), Massimale complessivo €10.000.000/sinistro, Massimale complessivo €25.000.000/sinistro, Massimale complessivo €50.000.000/sinistro
Legal minimum limit is €1,300,000 per claim for property damage (including animals), regardless of the number of persons involved. Higher limits up to €10,000,000 for property damage can be requested against payment of an additional premium.
Legal Protection (Tutela Legale)
€15,000
Optional guarantee reimbursing legal and expert fees to defend the policyholder's interests in and out of court in connection with the circulation of the insured vehicle, up to €15,000 per claim with no limit on the number of claims per policy year, plus a separate sub-limit of €600 per claim for vehicle desequestration expenses.
Green Card (International Motor Insurance Certificate)
Covered
Where the policy provides the mandatory RCA guarantee, Linear issues the Green Card free of charge, extending RCA cover to the other states party to the Green Card system whose international codes are not crossed out on the certificate; the Green Card is valid for the same period as the premium paid, and must be destroyed immediately if the underlying policy ceases or is suspended.
Roadside Assistance (Assistenza Stradale)
Optional
Optional 24/7 guarantee providing breakdown/accident assistance (mobile workshop, off-road recovery up to €500, immediate towing up to €600, long-distance towing up to €500, replacement car for up to 30 days after theft or 7 days otherwise, taxi, hotel stays up to €500, ambulance, and cash advances up to €3,000 for medical expenses, among other services) across Italy and the EU. It is automatically included at no extra cost whenever the Linear Autobox telematics device is installed under the 'Formula a Km' tariff option.
Driver Accident Insurance (Infortuni del Conducente)
€50,000 – €100,000
Only in €50.000, €100.000
Optional guarantee indemnifying accidental injury to any driver of the insured vehicle in connection with its circulation. Death and Permanent Disability are each insured with a choice of two sums insured, €50,000 or €100,000; the Death benefit is not cumulative with the Permanent Disability benefit.
Passenger/Third-Party Transported Liability (RC Trasportati)
€6,450,000 – €40,000,000
The mandatory RCA guarantee covers liability for injury caused to persons transported in the insured vehicle (RC trasportati) and to third parties by transported persons; this liability is indemnified out of the same RCA bodily-injury massimale (from the legal minimum of €6,450,000 up to the higher optional tiers to €40,000,000) rather than a separate sum insured.
Key conditions
Territorial scope
RCA and Corpi Veicoli Terrestri cover Italy, Vatican City, San Marino, EU states, Andorra, Bosnia Herzegovina, Montenegro, Iceland, Liechtenstein, Norway, Monaco, the United Kingdom, Serbia and Switzerland, plus other Green Card states not crossed out on the certificate; Driver Accident cover applies worldwide; Roadside Assistance and Legal Protection apply within the same territory as the RCA guarantee.
Green card rules
The Green Card is issued automatically and free of charge whenever the mandatory RCA guarantee is included, is valid for the same period as the premium paid, and the policyholder must destroy it immediately if the policy ceases or is suspended before the certificate's stated expiry, on pain of the insurer exercising a right of recourse for sums paid to third parties as a result.
Driver restrictions
The RCA guarantee allows any licensed driver to use the vehicle with no age or numerical limit, and always includes at no extra premium: driving with an expired licence or awaiting licence issuance (provided renewal/issuance occurs within 120 days of the claim); a single drink/drug-driving claim per policy year with rivalsa limited to 10% of the damage up to €500; extensions for employers whose employees or occasional collaborators drive the vehicle; and driving by non-emancipated minor children or wards living with the vehicle's owner.
Claim notification deadline
For the RCA guarantee, the insured must report the accident to Linear within 3 days of the event using the standard friendly accident report form (Modulo Blu), sent to sinistriposte@linear.it; failure to comply with the notification duty under Article 1915 of the Civil Code may result in total or partial loss of the right to indemnity.
Bonus-malus rules
The RCA guarantee uses the 'Bonus/Malus' tariff formula with 19 internal merit classes, adjusting the premium at each annual renewal based on claims recorded during the observation period; policyholders can avoid or reduce a malus increase by reimbursing CONSAP or Linear for amounts paid on claims from the preceding observation period within ten months of contract expiry. An optional 'Formula a Km' tariff option (requiring installation of the Linear Autobox telematics device) gives a fixed discount at inception plus a variable renewal discount based on recorded mileage.
Policy specifics
Free Driver Coverage (Unlimited Age and Number)
Allows all licensed drivers to drive the vehicle without age limits or numerical restrictions, including newly licensed drivers, with no additional premium charge
SourceNo Premium Increase for Family Drivers (New Drivers)
No premium increase if children or spouse are newly licensed drivers using the vehicle, distinguishing this product from standard policies
SourcePassenger Damage Coverage
Coverage for damages caused by passengers, extending the RCA guarantee beyond driver-caused incidents
SourceExpired Documentation Protection (License/Inspection)
Coverage for incidents involving expired driver's license or vehicle inspection certificate, provided renewal occurs within 180 days of the claim date
SourceRehabilitation Care Plans (Optional)
In specific severe injury cases involving third parties, the insurer may offer rehabilitation care plans including access to contracted healthcare facilities and home interventions for barrier removal
SourceOptional Satellite Device (Telematics Box)
Optional add-on providing 24/7 emergency assistance, accident dynamics reconstruction support, usage-based premium discounts, and device damage/loss protection
SourceOptional Roadside Assistance
Optional guarantee providing immediate emergency assistance and roadside support services
SourceOptional Legal Protection (Legal Assistance)
Optional guarantee providing legal assistance in case of disputes related to motor insurance claims and automotive liability incidents
SourceOptional Driver Accident Insurance (Driver Injury Coverage)
Optional guarantee protecting the driver against physical injuries resulting from motor vehicle accidents
SourceLegal Minimum Coverage Limits
For RCA guarantee: minimum €6,450,000 per loss for bodily injury damages and minimum €1,300,000 per loss for property damage, regardless of the number of persons involved in the accident
SourceNo Recourse Exclusion
No recourse provisions apply, meaning Linear will not seek reimbursement from the insured for damages paid under certain guarantee conditions
SourcePolicy Suspension Option
The insured has the option to suspend and reactivate the contract without application of additional costs, with suspension extendable multiple times for up to 10 months per policy year
SourceIntermediary Costs (Distribution Margin)
The average intermediary (Poste Insurance Broker) commission is approximately 11.5% of the net policy premium
SourcePremium Payment Options
Premium payment options include full annual payment or semi-annual payment with a 3.6% surcharge. All payments include taxes and contribution to national health service
Source