QUIXA Assicurazioni S.p.A.
Quixa
Quixa is a motor third-party liability insurance for the Italy market with online purchase and 24/7 assistance.
Direct payment
The premium must be paid at policy issuance via credit card, MyBank, Postepay, Amazon Pay or PayPal (if total premium including tax and SSN contribution is less than or equal to €1,450), bank transfer (if greater than €1,450), PUNTOLIS/Coop (if less than or equal to €1,494) or SisalPay (if less than or equal to €1,497); financing via Findomestic is available on request, semi-annual instalments carry an 8% surcharge, and QUIXA may offer interest-free monthly instalments.
Geographic scope
Italy (nationwide)
Covers Italy, Vatican City, the Republic of San Marino, all EU member states, Croatia, Iceland, Liechtenstein, Norway, the Principality of Monaco, Switzerland, Andorra and Serbia, plus any Green Card system states not crossed out on the international insurance certificate.
Unique selling points
- Total Quality direct-repair option gives access to a nationwide network of contracted body shops with no upfront cash outlay and a discount on the RCA premium.
- Optional quixaBOX telematics black box is installed and removed at no cost to the customer and unlocks a premium discount based on driving behaviour.
- Five liability extensions - towing liability, pet on board, minor-child liability, transported-persons liability and fire recourse - are bundled in at no extra premium.
- An optional 'Zero Rivalsa in caso di ebbrezza' add-on lets the insured waive the insurer's recourse right for a first drink-driving claim below 0.8 g/l.
- Fully digital purchase via website, app or aggregators, with zero intermediation costs when the policy is bought directly from Quixa.
Coverage limits
Bodily injury liability
Covered
Covers damages involuntarily caused to third parties' persons during circulation of the insured vehicle in public and private areas, up to the limit stated in the policy; the law sets a minimum per-claim limit of €6,450,000 for personal injury, regardless of the number of persons involved.
Property damage liability
Covered
Covers damages involuntarily caused to third parties' property during circulation of the insured vehicle in public and private areas, up to the limit stated in the policy; the law sets a minimum per-claim limit of €1,300,000 for property damage, regardless of the number of persons involved.
Legal defence (Tutela Legale)
€15,000
Optional add-on covering legal costs and providing legal assistance following a motor accident, including non-recoverable costs of the opposing party, up to €15,000 per claim; managed by Inter Partner Assistance S.A. (AXA Assistance).
Green Card
Covered
On request, QUIXA issues the international Green Card certificate extending RCA coverage to the non-crossed-out foreign states listed on it, in addition to Italy, Vatican City, San Marino, the EU, Croatia, Iceland, Liechtenstein, Norway, Monaco, Switzerland, Andorra and Serbia.
Roadside assistance (Soccorso Stradale)
Optional
Optional 24/7 assistance in Italy and Europe following breakdown, accident or fire, sold in Base and Top tiers (and E-Green variants for electric vehicles). Sub-limits per claim include: on-site repair/towing up to €150, difficult recovery up to €200, escort service up to €50, hotel stay up to €75 per night (max €250) with return travel/spare parts up to €600, vehicle repatriation up to €1,000, and medical air transport up to €10,000 (Top tier); E-Green versions apply a 25km (50km round-trip) radius.
Driver accident (Infortuni del Conducente)
€100,000
Optional add-on indemnifying the driver of the insured vehicle for death or permanent disability resulting from an at-fault accident, up to a limit of €100,000; full limit paid for permanent disability of 70% or more, no indemnity for disability of 3% or less (5% if seatbelt unfastened).
Passenger accident
No limit stated
No dedicated personal-accident guarantee for transported passengers is listed among the product's optional coverages; passengers are protected only via the RCA Trasportati third-party liability extension, not a standalone accident benefit.
Key conditions
Territorial scope
The RCA cover applies in Italy, Vatican City, San Marino and all EU member states, plus Croatia, Iceland, Liechtenstein, Norway, Monaco, Switzerland, Andorra and Serbia.
Green card rules
On request the policyholder can receive the Green Card by post; coverage applies in the Green Card system states whose international codes are not crossed out on the card.
Driver restrictions
By default the policy uses the 'Guida Libera' formula allowing any duly licensed driver to drive the insured vehicle. An optional 'Guida Esperta' formula can be selected, restricting driving to the registered owner or drivers aged 22+ who have held a licence for at least 2 years; if breached, QUIXA may claw back up to €10,000 from the policyholder while still compensating third parties in full.
Claim notification deadline
The policyholder must notify QUIXA's claims service by e-mail within 3 days of the accident or of becoming aware of it.
Bonus-malus rules
The contract uses a Bonus/Malus rating system with eighteen merit classes (1 to 18, plus negative super-bonus classes), each corresponding to a decreasing or increasing premium coefficient; the class evolves annually based on at-fault claims recorded in the risk attestation, which is transmitted to the IVASS database at least 30 days before each renewal.
Documents
Assicurazione Auto Set Informativo (T&C, DIP and DIP Aggiuntivo) - Ed. 24/03/2026
Terms & conditions
Precontractual Information Document (DIP/DIP Aggiuntivo) - Ed. 24/03/2026
IPID
Assicurazione Auto Set Informativo - Ed. 15/01/2026
Terms & conditions
Assicurazione Auto Condizioni Contrattuali - Ed. 20/02/2025
Terms & conditions
Policy specifics
Pet on board
Veterinary expense coverage for injuries sustained by animals transported in the insured vehicle
SourcePassenger liability (transported persons)
Covers damages involuntarily caused by passengers during vehicle circulation
SourceMinor child liability
Covers damages caused by unlawful circulation of the vehicle by minor children
SourceTowing liability
Covers civil liability for damages caused to third parties by towing of unregistered trailers
SourceFire recourse against third parties
Covers material damages to third parties caused by fire of the insured vehicle not in circulation
SourceTotal Quality direct repair option
Direct vehicle repair service at contracted repair centers in case of fault-free accidents
SourceRepair network requirement (Total Quality)
Vehicle repair must be performed exclusively at Quixa-contracted repair centers for claims under Total Quality option
SourceBonus-malus merit system
Risk-rating system adjusting premium based on claims history and driving record over preceding five years
SourceFree driving formula
Standard coverage allowing any licensed driver to operate the insured vehicle
SourceRecourse limitations for specific circumstances
Insurance company right to recover amounts paid limited to €10,000 maximum in specific breach scenarios
SourceDirect settlement procedure
Direct claim settlement available when conditions met (two-vehicle collision only, minimal injury <9% disability, incident in Italy)
SourceRight of withdrawal (cooling-off period)
Policyholder right to withdraw contract within 14 days of policy inception date
Source