Società Reale Mutua di Assicurazioni
Reale Mutua
Reale Mutua is a motor third-party liability insurance for the Italy market with online purchase and 24/7 assistance.
Direct payment
For damage claims not covered by the direct third-party settlement procedure, Reale Mutua settles by direct repair of the vehicle at an authorized/affiliated bodyshop (carrozzeria convenzionata) rather than by cash reimbursement to the policyholder; if the policyholder has the vehicle repaired at a non-affiliated bodyshop in a fully-recoverable claim, a €250 penalty applies.
Geographic scope
Nationwide (Italy)
Cover applies in the Republic of Italy, Vatican City, San Marino, all other EU states, and also Andorra, Bosnia and Herzegovina, Iceland, Liechtenstein, Norway, Monaco, the United Kingdom, Serbia and Switzerland; cover also extends to other Green Card System states not crossed out on the Green Card issued on request.
Unique selling points
- No deductible on glass-breakage repairs when using Reale Mutua's affiliated glass-repair network, versus a fixed €200 deductible and reduced limit otherwise.
- Zero deductible on vehicle-damage (Guasti) and wildlife-collision claims when the vehicle is repaired at an affiliated bodyshop.
- Hail damage can be repaired via specialised 'levabolli' cold-repair partners with the standard deductible/excess waived entirely.
- Optional Full Box Reale telematics black box gives an RCA/theft premium discount, with the 'Guida Bene & Risparmi' option further pricing renewals based on actual driving-style data.
- Reale Mutua contractually waives or caps its right of recovery (rivalsa) against the policyholder in specific circumstances (e.g. newly-licensed drivers, drink-driving under certain thresholds) rather than recovering the full amount paid to third parties.
Coverage limits
Bodily injury liability (RCA)
Covered
By law (Codice delle Assicurazioni Private, art. 128, as updated from 11 June 2022), the statutory minimum RCA liability limit is €7,750,000 per claim, of which €6,450,000 is allocated to bodily injury to third parties. Reale Mutua's AutoMia policy applies these statutory minimum limits unless the policyholder purchases higher limits for an additional premium.
Property damage liability (RCA)
Covered
By law (Codice delle Assicurazioni Private, art. 128, as updated from 11 June 2022), of the €7,750,000 statutory minimum RCA limit per claim, €1,300,000 is allocated to property damage to third parties. Reale Mutua's AutoMia policy applies these statutory minimum limits unless the policyholder purchases higher limits for an additional premium.
Legal defence (Tutela Legale)
€100,000
Only in Tutela Legale Estesa, Tutela Legale Base
Optional Tutela Legale section (sold as 'Tutela Legale Estesa' or 'Tutela Legale Base'), managed by ARAG SE, covering legal fees and court costs to defend the insured's interests in disputes connected to the use of the vehicle. The overall massimale is the one agreed in the policy; within Tutela Legale Estesa, a specific sub-limit of €100,000 per claim (with no annual aggregate limit) applies to claims for compensation of injuries exceeding 9% permanent disability in Italy, or any personal injury claim occurring elsewhere in Europe.
Green Card (Carta Verde)
Covered
The International Motor Insurance Certificate (Carta Verde) is issued by Reale Mutua on request and extends the mandatory RCA cover to non-EU states adhering to the Green Card System whose country code is not crossed out on the certificate. It is valid for the period stated on it, and it ceases to be valid if the underlying policy is suspended or ceases; using the document after that date is unlawful.
Roadside assistance (Assistenza in Viaggio)
Optional
Only in Assistenza in Viaggio, Assistenza in Viaggio Plus, Assistenza in Viaggio per Autovetture Ibride/Elettriche, Assistenza in Viaggio per Autovetture Ibride/Elettriche Plus, Persona 360
Optional 24/7 roadside assistance provided via Blue Assistance S.p.A. (800 092 092, or +39 011 7425555 from abroad), selectable in four variants: base 'Assistenza in Viaggio' (replacement car up to 5 days, 7 if total theft), 'Assistenza in Viaggio Plus' (replacement car up to 7 days, 30 if total theft), a version for hybrid/electric vehicles (60→200 km towing radius extension, EV-specific network) and its Plus version, plus the add-on 'Persona 360' for medical assistance. Sub-limits include: roadside repair/towing costs reimbursed up to €260 if self-arranged; ambulance up to €210; vehicle recovery up to €260; funeral repatriation up to €5,200 (single insured) / €20,700 (multiple insured); medical evacuation flight up to €15,000; interpreter/legal cash bail abroad up to €520/€5,200 respectively.
Driver personal accident (Infortuni del Conducente)
Optional
Optional section covering the driver of the insured vehicle for death, permanent disability, medical expense reimbursement and hospitalisation daily allowance resulting from accidents connected to the vehicle's circulation, regardless of the driver's fault. Sums insured for death/permanent disability are set per policy (variable). Fixed figures stated in the T&Cs: a lifetime annuity of €6,200/year (initial, revaluable) is added if permanent disability is assessed at ≥60%; a fixed €10,000 indemnity applies for HIV contagion from a necessary blood transfusion; a €110/night hospitalisation allowance (max 90 nights) applies when costs are borne by the NHS; a €50 deductible applies to medical-expense reimbursement; reconstructive/plastic surgery is reimbursed up to €5,200; ambulance/medical transport up to €520 (or €2,600 for air ambulance).
Passenger personal accident
Excluded
The optional 'Infortuni del Conducente' personal-accident section applies only to 'the driver of the vehicle indicated in the policy, when at the wheel'; there is no dedicated personal-accident benefit for other transported passengers. Injuries to transported third parties are instead addressed under the RCA liability cover via the 'risarcimento del terzo trasportato' procedure (art. 141 Codice delle Assicurazioni), not under a specific passenger-accident sum insured.
Key conditions
Territorial scope
Cover applies in Italy, Vatican City, San Marino, all other EU member states, and Andorra, Bosnia and Herzegovina, Iceland, Liechtenstein, Norway, Monaco, the United Kingdom, Serbia and Switzerland; for driving abroad, cover follows the mandatory-insurance rules of the state where the accident occurred, subject to any higher limits provided by the policy.
Green card rules
The Green Card also covers states adhering to the Green Card System whose country abbreviation is not crossed out on the certificate, which is issued by Reale Mutua on request and is valid for the period stated on it; it ceases to be valid if the underlying policy is suspended or cancelled, and using it after that date is unlawful.
Driver restrictions
Cover is not operative, and Reale Mutua may exercise a right of recovery (rivalsa) against the policyholder, in cases including: an unlicensed driver (with waivers/limits in specific cases such as an expired licence pending renewal); newly-licensed drivers (patente da meno di un anno) driving a vehicle exceeding the power-to-weight limit of art. 117 of the Codice della Strada (recovery capped at €2,500 in family-member cases); drink-driving under art. 186 (recovery capped at €2,500, raised to €5,000 above 1.5 g/l); driving under drugs under art. 187 (recovery capped at €5,000); non-compliant passenger transport; a vehicle that failed its mandatory roadworthiness inspection; participation in unauthorised races; and non-compliant use of driving-school or rental-with-driver vehicles.
Claim notification deadline
The claim must be reported using the blue 'Constatazione Amichevole di Incidente' (CAI) form and sent to the intermediary managing the policy or to Reale Mutua within 3 days of the accident or of the policyholder becoming aware of it; claims can also be reported to the 24/7 Sinistri Auto hotline (800 092 092).
Bonus-malus rules
AutoMia Reale Autovetture uses a 'Bonus/Malus 38 classi' merit-rating system for cars, with 38 contractual merit classes carrying premium coefficients from class 1 (best, ×0.471) to class 38 (worst, ×4.400); the class assigned at each annual renewal depends on claims 'observed' (paid, with principal or ≥51% cumulated pro-rata responsibility) during the observation period, per the evolutionary-rules table. Contractual classes correspond to the market-wide Classe Universale (CU) scale (1–18, per IVASS rules) via correspondence tables, allowing comparison across insurers. Under the Bersani law, the merit class can be transferred between family members' vehicles, including between different vehicle types, where they cohabit.
Where to buy
Policy specifics
Authorized repair network
Policy provides access to 1400 selected repair centres across Italy for claim settlements and repairs at advantageous conditions
SourceDriver injury insurance
Optional coverage protecting the driver in case of injury from traffic accidents, providing indemnity regardless of driver fault
SourceGlass breakage coverage
Optional damage coverage for broken windscreens, windows, and glass components
SourceLegal assistance coverage
Optional coverage providing legal support and reimbursement of legal fees and expenses in case of disputes related to vehicle use
SourceBonus-Malus merit classes
AutoMia Reale applies a bonus-malus system with 30 classes of merit for cars (from 1N best to 18 worst) that affects premium calculation
SourceBersani Law class transfer benefit
Allows merit class transfer between family members' vehicles of different types; expanded from 16 Feb 2020 with family bonus rules under Decree-Law 162/2019
SourceDirect settlement procedure
For damage claims (non-RCA), Reale Mutua settles claims by direct repair at authorized bodyshops rather than reimbursement to policyholder
SourceRecovery limit for RCA liability
For RCA liability claims where Reale Mutua must pay third parties, insurer may recover from policyholder up to EUR 50,000 limit for breach of contract exceptions
SourcePolicy suspension option
Policyholder may request suspension of coverage when vehicle is not in use; suspension takes effect from date/time specified in endorsement and premium refund for unused period
Source