Unipol Motor third-party liability (Unica Rca Autovetture)

Selectable liability limits up to €80 million for personal injury and €20 million for property damage, far above Italy's statutory minimums.

Free policy suspension for up to 10 months per insurance year (11 months for historic and collectible vehicles) whenever the car is not in use.

Premium can be split into monthly instalments via recurring SEPA direct debit, credit card or debit card.

Riparazione Diretta through the UnipolService network grants an upfront premium discount plus a further €40 discount at renewal, no out-of-pocket cost when the insured is not at fault, and repairs guaranteed for up to 10 years.

Driver restrictions

Policyholders may choose 'Guida Libera' (no restriction on who drives) or the discounted 'Guida Esperta' option, which requires the driver to be at least 26 years old with a licence held for at least 3 years and the vehicle owner aged between 26 and 65; failure to meet these conditions triggers a rivalsa (recovery right) of up to €3,000 per claim.

Claim notification deadline

The policyholder or insured must notify Unipol of a claim immediately and in any case within 3 days of the event, using the Constatazione Amichevole di Incidente form; failure to comply may result in total or partial loss of the right to indemnity.

Bonus-malus rules

Premium follows a 19-class internal Bonus/Malus scale linked to the ANIA universal merit class (C.U.); at each annual renewal the internal class worsens by +2 to +11 positions depending on the number of at-fault or 51%+ jointly-liable claims settled in the observation period, or improves by -1 with no claims. Optional 'Bonus/Malus con Franchigia' and 'Azzera Sinistro' extensions can apply a fixed excess or exclude one at-fault claim per renewal from the internal class calculation.

Territorial scope

Italy, Vatican City, San Marino, EU member states, Andorra, Bosnia and Herzegovina, Iceland, Liechtenstein, Montenegro, Norway, Monaco, United Kingdom, Serbia, Switzerland, and other Green Card System countries not crossed out on the certificate (Azerbaijan, Moldova, North Macedonia, Tunisia, Turkey, Ukraine).