Zavarovalnica Triglav, d.d. (Triglav Insurance Company)
Prima.it
Prima.it is a motor third-party liability insurance for the Italy market with online purchase and limited assistance availability.
Direct payment
Claims falling under the CARD Direct Compensation convention (art. 149 CAP) are settled directly by the policyholder's own insurer. Policyholders who select the optional 'Ripara Prima' rate option must have the vehicle repaired at an affiliated body shop/garage, which is paid directly by the Company; using a non-affiliated repairer instead reduces the settlement by 25% (max €1,000).
Geographic scope
Italy
Coverage is valid throughout the European Union, Switzerland, Iceland, Liechtenstein, Norway, the Principality of Monaco, the Republic of San Marino, Andorra, Vatican City State, the United Kingdom, Montenegro, Serbia and Bosnia and Herzegovina (states not crossed out on the Green Card). A Green Card is required for other countries.
Starting price
€131
Indicative — pricing assumptions not stated
Unique selling points
- Minimum RC Auto rate advertised from €131/year, in effect since September 2024.
- Repairs at Prima's nationwide network of affiliated body shops include a free replacement car and home delivery of the repaired vehicle.
- Optional roadside assistance runs 24/7 through an affiliated centre network covering the whole of Italy and, at the higher tier, other European countries.
- The policy can be suspended for free an unlimited number of times, for up to 300 days per insurance year.
- The 'Ripara Prima' option grants a premium discount and arranges repairs with a two-year warranty at the affiliated body shop without the policyholder having to manage the claim settlement.
Coverage limits
Bodily Injury Liability
€6,450,000 – €50,000,000
Only in Minimo (6.45M/1.3M), 10M/5M, 25M/10M, 50M Unico
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.
Property Damage Liability
€1,300,000 – €50,000,000
Only in Minimo (6.45M/1.3M), 10M/5M, 25M/10M, 50M Unico
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.
Legal Defence (Tutela Legale)
€10,000 – €40,000
Only in Base, Super, Premium, Top
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.
Green Card
Covered
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.
Roadside Assistance
Optional
Only in Base, Super
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.
Driver Personal Accident
Optional
Only in Base, Super
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.
Passenger Accident
No limit stated
No standalone passenger personal-accident guarantee is offered under this product; the 'Infortuni del Conducente' guarantee covers only the driver. Bodily injury to transported third parties is instead indemnified directly under the mandatory RCA liability cover pursuant to art. 141 of the Insurance Code (Codice delle Assicurazioni Private).
Key conditions
Territorial scope
Valid throughout the EU, Switzerland, Iceland, Liechtenstein, Norway, Monaco, San Marino, Andorra, Vatican City, UK, Montenegro, Serbia and Bosnia and Herzegovina.
Green card rules
A Green Card is required for countries not included in the standard territorial extension (states crossed out on the card); it is valid for the period for which the RCA premium has been paid.
Driver restrictions
Three driving formulas available: free driving (anyone licensed), expert driving (drivers 26+ only), exclusive driving (single named habitual driver, 26+ only). Using the vehicle outside the chosen formula limits the company's right of recourse to €2,500 (or €5,000/unlimited if combined with drink-driving) for the first claim of the year.
Claim notification deadline
The claim must be reported within 3 days from the event or from when the policyholder/insured became aware of it.
Bonus-malus rules
RCA premium is set under the Bonus/Malus system with 26 company merit classes (1H to 18); the premium is reduced or increased at renewal depending on claims recorded during the observation period. Optional 'Bonus Protetto' extension can be purchased to prevent a Malus increase after a single at-fault claim.
Where to buy
Policy specifics
Driver Protection Waiver
Company waives right of recourse in specific cases including driving under influence of alcohol or drugs
SourceDirect Settlement and Repair Network
Insurance company settles claims directly through a network of authorized repair shops for covered damages
SourceBonus-Malus Premium Adjustment System
Contract premium is adjusted based on claim history; reduction for claim-free periods, increase for claims during observation period
SourceMinimum Coverage Limits
Minimum EU-mandated Third-Party Liability limits: EUR 6,450,000 for bodily injury, EUR 1,300,000 for property damage
SourceDriver Option Categories
Contract available in three driver options: free driving (any licensed driver), expert driving (26+ years only), exclusive driving (one habitual driver 26+ years only)
SourceGeographic Coverage Scope
Coverage valid in EU, Switzerland, Iceland, Liechtenstein, Norway, Monaco, San Marino, Andorra, Vatican, UK, Montenegro, Serbia, Bosnia Herzegovina
Source