Reale Mutua Motor third-party liability (Automia Reale Autovetture)
Underwritten by Società Reale Mutua di Assicurazioni · Italy
motor third-party liability insurance from Reale Mutua for the Italy market, with online purchase and 24/7 assistance.
Verified Aug 31, 2026 · Terms dated 2021-05Sources
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.
Section: Sezione Responsabilità Civile > Che cosa è assicurato > 2.2 Priorità di destinazione dei massimali
valore del massimale per danni a persone € 6.450.000 - danno provocato per danni a persone € 7.500.000 - importo risarcito € 6.450.000.
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)
€100K
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
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
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.
Territorial scope
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.
Documents
Terms and Conditions - AutoMia Reale Autovetture (Mod. 5251 RCA) (opens in a new tab)
Terms & conditions · PDF
Additional Pre-Contractual Information Document (DIP Aggiuntivo) - MTPL (opens in a new tab)
Product information sheet · PDF
Information Set and Terms and Conditions (opens in a new tab)
Other document · PDF
Policy specifics
Authorized repair network
Policy provides access to 1400 selected repair centres across Italy for claim settlements and repairs at advantageous conditions
SourceSection: Perché scegliere Automia Reale?
Hai a disposizione 1400 centri di riparazione selezionati in tutta Italia, ovunque tu abbia bisogno.
Driver injury insurance
Optional coverage protecting the driver in case of injury from traffic accidents, providing indemnity regardless of driver fault
SourceSection: Le garanzie e le loro opzioni > Infortuni del Conducente
Ti riconosce una diaria in caso di ricovero e ti rimborsa le spese mediche se subisci un infortunio in un incidente mentre guidi l'auto assicurata. Prevede indennizzi anche per i casi di invalidità permanente o morte.
Glass breakage coverage
Optional damage coverage for broken windscreens, windows, and glass components
SourceSection: Le garanzie e le loro opzioni > Danni
Ti protegge da furto, incendio, atti vandalici, rottura dei cristalli e dai tanti eventi imprevisti che possono danneggiare la tua auto.
Legal assistance coverage
Optional coverage providing legal support and reimbursement of legal fees and expenses in case of disputes related to vehicle use
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
SourceSection: RC Auto Familiare e Legge Bersani
La “Legge Bersani” è stata ampliata dal 16/02/2020 con le regole sulla RC Auto familiare (Bonus Familiare), introdotte dal Decreto-Legge n. 162 del 30/12/2019 (pubblicato in Gazzetta Ufficiale il 31/12/2019).
Direct settlement procedure
For damage claims (non-RCA), Reale Mutua settles claims by direct repair at authorized bodyshops rather than reimbursement to policyholder
SourceClause Art. 2.8Page 27 / 106Section: Sezione Responsabilità Civile > 2.8 Risarcimento in forma specifica presso carrozzeria convenzionata
In caso di sinistro, che comporti un danno al veicolo totalmente risarcibile e gestito secondo la procedura di "risarcimento diretto" ai sensi dell'art. 149 della Legge, il risarcimento sarà effettuato attraverso la riparazione diretta del veicolo stesso.
Recovery 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
SourceClause Art. 1.5Page 11 / 106Section: Norme comuni a tutte le garanzie > 1.5 Dichiarazioni del Contraente
Relativamente alla garanzia Responsabilità Civile Auto, Reale Mutua qualora sia obbligata a risarcire i danni in base all'Art. 144 della Legge in base al principio di inopponibilità al danneggiato di eventuali eccezioni contrattuali, eserciterà il diritto di rivalsa verso l'Assicurato per le somme che abbia dovuto pagare a terzi nel limite di € 50.000.
Policy 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
SourceClause Art. 1.6Page 12 / 106Section: Norme comuni a tutte le garanzie > 1.6 Sospensione e riattivazione del contratto
Il Contraente ha la facoltà di sospendere l'assicurazione in corso di contratto con il massimo di tre volte per anno assicurativo ed è tenuto a farne richiesta a Reale Mutua. Reale Mutua rilascia un'appendice contrattuale che deve essere sottoscritta dal Contraente: la sospensione decorre dal giorno e dall'ora indicati nella predetta appendice.
Sources
- bmw.ithttps://www.bmw.it/content/dam/bmw/marketIT/bmw_it/Topics/Servizi-finanziari/2025/RCA_5251_022024_defintivo.pdf.asset.1744805502973.pdf#page=19(opens in a new tab)
- prima.ithttps://www.prima.it/glossario/massimale(opens in a new tab)
- raffonebroker.ithttps://www.raffonebroker.it/wp-content/uploads/2022/11/REALE-MUTUA.pdf#page=11(opens in a new tab)
- raffonebroker.ithttps://www.raffonebroker.it/wp-content/uploads/2022/11/REALE-MUTUA.pdf#page=12(opens in a new tab)
- raffonebroker.ithttps://www.raffonebroker.it/wp-content/uploads/2022/11/REALE-MUTUA.pdf#page=28(opens in a new tab)
- realemutua.ithttps://www.realemutua.it/veicoli-e-viaggi/assicurazione-auto/automia-reale(opens in a new tab)
Reale Mutua Motor third-party liability