Prima.it Motor third-party liability (Polizza Auto)

Minimum mandatory limit is €6,450,000 for bodily injury. For an additional premium the client may choose higher optional limits: €10,000,000 (with €5,000,000 for property damage), €25,000,000 (with €10,000,000 for property damage), or a single combined ceiling of €50,000,000 covering both bodily injury and property damage together.

Minimum mandatory limit is €1,300,000 for property damage. Optional tiers raise this to €5,000,000 or €10,000,000 (paired with the respective bodily-injury tiers), or the top tier gives a single combined ceiling of €50,000,000 shared between bodily injury and property damage.

Optional guarantee, sold with 4 protection levels: Base (limit €10,000), Super (limit €20,000), Premium (limit €30,000), Top (limit €40,000). Covers legal assistance/defence costs related to the insured vehicle, managed by D.A.S. Difesa Automobilistica Sinistri S.p.A.

The Green Card is the international insurance certificate issued with the policy, valid for the period for which the premium has been paid, required for circulation in countries not otherwise covered by the standard territorial extension (states not crossed out on the card). No separate monetary limit is stated; it operates within the RCA liability limits chosen.

Optional guarantee with 2 levels. Base operates in Italy, San Marino and Vatican City: towing up to 50km round trip, on-site minor repairs (up to 30 min), vehicle recovery off-road up to €200/event, return/continuation of journey or hotel stay up to €250 combined. Super extends to the EU, Iceland, Liechtenstein, Norway, Andorra, Monaco, Switzerland and adds: fuel/battery/snow-chain call-outs, taxi service up to €50, replacement car (3-30 days depending on cause), travel expenses to recover the repaired/recovered vehicle up to €500, vehicle repatriation from abroad up to €1,000, linguistic assistance abroad up to €300, and assistance for minors left alone up to €300. No single aggregate sum insured is stated; each service carries its own sub-limit.

Optional guarantee ('Infortuni del Conducente'), sold with 2 levels (Base, Super), covering death or permanent disability of the driver, subject to the driver bearing full or partial responsibility for the accident. The overall sum insured for death/disability is set in the individual policy schedule (not fixed in the T&Cs). Sub-limits stated in the T&Cs: permanent-disability payout applies above a 3% franchise (5% if seatbelt not worn, with max indemnity capped at 70% of sum insured); Super level adds medical-expense reimbursement up to €1,000 per claim/year (after a €200 deductible) and veterinary expense reimbursement for a transported dog/cat up to €1,000 per claim/year.