Prima Assicurazioni Motor third-party liability (Polizza Auto)
Underwritten by Great Lakes Insurance SE · Italy
motor third-party liability insurance from Prima Assicurazioni for the Italy market, with online purchase and 24/7 assistance.
Verified Sep 1, 2026 · Terms dated 2026-08-05Sources
Key facts
- Prima Assicurazioni
Unique selling points
Fully digital purchase and self-service policy management from PC, tablet or smartphone via prima.it.
Optional 'Bonus Protetto' rider keeps the internal merit class unchanged after an at-fault claim, avoiding a premium increase at renewal.
Optional 'Protezione Rivalse' rider makes the insurer waive its right of recourse for minor first-time drink-driving, an expired roadworthiness test, or non-compliant passenger transport.
Liability limits selectable up to a combined €50,000,000 single limit for persons and property, well above the statutory minimum.
Free policy suspension for up to 300 days a year, with no cost to pause cover when the car is not in use.
Coverage limits
Bodily injury liability
€6.5M – €25M
Statutory minimum liability limit of €6,450,000 for personal injury, with optional higher limits of €10,000,000 or €25,000,000 selectable against an additional premium; a combined single limit of €50,000,000 covering both persons and property is also available.
Property damage liability
€1.3M – €10M
Statutory minimum liability limit of €1,300,000 for property damage, with optional higher limits of €5,000,000 or €10,000,000 selectable against an additional premium; a combined single limit of €50,000,000 covering both persons and property is also available.
Legal protection
€10K – €40K
Optional guarantee covering out-of-court and judicial legal assistance to defend the insured's rights in connection with the ownership or use of the insured vehicle, offered in four selectable levels with increasing sums insured.
Green Card
Covered
The international insurance certificate (Green Card) is issued together with the policy and is valid for the period for which the premium has been paid; it may be required to circulate in certain non-EU countries.
Roadside assistance
Optional
Optional guarantee providing towing, minor on-site repairs (dépannage), and travel/accommodation benefits. The Base level operates in Italy, San Marino and Vatican City; the Super level extends to all EU member states plus Iceland, Liechtenstein, Norway, Andorra, Monaco and Switzerland and adds a replacement vehicle, taxi service and further travel benefits.
Driver accident cover
€50K – €100K
Optional guarantee indemnifying the driver of the insured vehicle for death or permanent disability resulting from an accident occurring during use of the vehicle. Product documentation lists sum-insured options of €50,000 or €100,000 (the latter also covering veterinary expenses for transported pets); the Super level additionally reimburses medical expenses up to €1,000 and veterinary expenses up to €1,000 per claim/year.
Section: Garanzie accessorie disponibili > Infortuni Conducente
Opzione 1: € 50.000 Opzione 2: € 100.000 (include anche la copertura delle spese mediche per animali domestici trasportati)
Passenger accident cover
No limit stated
The policy does not offer a stand-alone passenger accident indemnity. Third-party passengers injured while travelling in the insured vehicle are protected under the compulsory motor liability (RCA) guarantee as injured third parties, rather than through a separate accident benefit.
Key conditions
Driver restrictions
The policy offers three driving formulas selectable by the policyholder: 'guida libera' (any licensed driver), 'guida esperta' (drivers aged 26 or over only), and 'guida esclusiva' (only the named habitual driver, aged 26 or over). Use outside the selected formula triggers a right of recourse capped at €2,500 for the first claim in the insurance year.
Claim notification deadline
The policyholder/insured must notify the Compagnia of a claim as soon as possible and in any case within 3 days of the event or of becoming aware of it, pursuant to Art. 1913 of the Italian Civil Code.
Bonus-malus rules
The RCA guarantee operates under a Bonus/Malus merit-rating system with 26 internal Compagnia merit classes (1H to 18); premium increases or decreases based on claims recorded during the observation period, converted to a Universal Conversion Class (CU) of 1-18 for comparability between insurers. The 'Legge Bersani' allows inheriting the best merit class from a cohabiting family member or a previously owned vehicle of the same type; the optional 'Bonus Protetto' rider can prevent the malus increase after certain at-fault claims.
Territorial scope
Valid throughout all EU member states, Switzerland, Iceland, Liechtenstein, Norway, the Principality of Monaco, San Marino, Andorra, Vatican City, the United Kingdom, Montenegro, Serbia and Bosnia and Herzegovina (states not crossed out on the Green Card).
Exclusions
Driver responsibility exclusion
RC Auto does NOT cover damages to the policy holder or responsible driver; only third parties are covered
SourceDocuments
Terms and Conditions - Motor Insurance Policy (Great Lakes) (opens in a new tab)
Terms & conditions · PDF
Additional Pre-contractual Information Document - Motor Liability (DIP Aggiuntivo R.C. Auto) (opens in a new tab)
Product information sheet · PDF
Product Fact Sheet - Great Lakes Motor Policy (opens in a new tab)
Table of benefits · PDF
Policy specifics
Legal minimum liability limits
RC Auto has legally mandated minimum limits: EUR 6.45 million for persons, EUR 1.3 million for property
SourceOptional accessory guarantees
Product allows adding optional guarantees: Kasko Collision, Theft and Fire, Crystal breakage, Legal Protection, Conductor Injury, Weather events, Vandalism
SourceTerritorial validity of coverage
RC Auto coverage valid in all 27 EU member states, Switzerland, Iceland, Liechtenstein, Norway, Monaco, San Marino, Andorra, Vatican City
SourceCollision with uninsured vehicles
Optional guarantee, available in Base, Super and Premium levels, indemnifying material damage to the insured vehicle caused by collision with an identified motor vehicle lacking compulsory RCA cover. Base: up to €3,000 per claim/year with a €500 excess; Super: up to €5,000 with a €250 excess; Premium: up to the insured value with no excess.
SourceCollision with wild or stray animals
Optional guarantee, available in Base, Super and Premium levels, indemnifying material damage to the insured vehicle from collision or impact with wild or stray animals. Base: up to €3,000 per claim/year with a €500 excess; Super: up to €5,000 with a €250 excess; Premium: up to the insured value with no excess. An official report from the intervening authority is required.
SourceClaims reporting and settlement procedure
Claims must be reported within 3 days of incident; settlement typically within 30-90 days depending on damage severity and documentation
SourcePremium payment options
Annual or monthly payment options; payment methods include credit card, bank transfer, PayPal
SourceSources
Prima Assicurazioni Motor third-party liability