VHV Italia Assicurazioni S.p.A.

Territorial scope

Covers Italy, Vatican City, San Marino and EU Member States, plus Liechtenstein, Andorra, Monaco, Serbia, Switzerland, Bosnia and Herzegovina, Montenegro and the United Kingdom; also valid in other Green Card system states whose codes are not crossed out on the Green Card. For watercraft, cover applies to the Mediterranean within the straits and inland waters of European countries.

Green card rules

The Green Card (international insurance certificate) is issued together with the insurance certificate on simple request and extends cover to the Green Card system states whose country codes are not crossed out on the certificate; it is valid for the same period as the premium/instalment paid.

Driver restrictions

The base cover is provided on a "free driving" basis, meaning any duly licensed driver may drive the vehicle. An optional "guida esperta" (experienced driver) discount clause can be selected if the vehicle's registered owner is over 25 and the vehicle's internal merit class is at most class 40; under this clause the insurer can seek recourse (rivalsa) of up to €2,000 against the policyholder if, at the time of the claim, the vehicle was driven by a person other than the owner who was under 26 years of age.

Claim notification deadline

In the event of a claim, written notice must be given to the Company or to the intermediary to whom the policy is assigned promptly and in any case within three days of becoming aware of it.

Bonus-malus rules

Mixed/bonus-malus tariff structure with 30 merit classes ranging from class 19 to class 48, with premium levels that increase or decrease depending on the presence or absence of claims during the observation periods; a fixed deductible per claim may also apply depending on the tariff form chosen.

Direct settlement procedure

VHV Italia applies direct settlement (risarcimento diretto) for qualifying collision claims between two identified and insured motor vehicles under Article 149 of the Insurance Code, subject to specific conditions regarding vehicle identification, insurance status, and injury severity limits (postumi non superiori al 9%)

Specific indemnification form (direct repair)

For third-party liability claims where the policyholder is not responsible (risarcimento in forma specifica), VHV arranges direct repair at a network body shop. If repair is done at a non-network shop, reimbursement is reduced by 10%

Protected bonus (Bonus Protetto)

Optional condition available for cars up to 35 quintals that protects the policy merit class from premium increases if a single claim occurs during the observation period, provided the policyholder reimburses VHV the settled amounts

Roadside assistance

Roadside assistance services for cars and light vehicles covering breakdown support, replacement vehicle provision (1200cc auto in Italy if repairs exceed 8 hours of labor or in case of theft/robbery), hotel expenses (€100/person/day, max €500/claim), and corpse transport (max €3,500)

Tariff structure with bonus-malus system

Mixed tariff form with 30 merit classes ranging from class 19 to class 48 with increasing premium levels based on presence/absence of claims during observation periods, plus fixed franchise per claim as specified in the policy

Coverage territory and scope

Insurance covers Italy, Vatican City, San Marino, EU Member States, plus Liechtenstein, Andorra, Monaco, Serbia, Switzerland, Bosnia and Herzegovina, Montenegro, and United Kingdom. Additional coverage in Green Card system countries (if their codes are not crossed out on the International Insurance Certificate)

Claims notification and documentation procedures

For direct settlement claims, policyholder must send claim notification to VHV by registered letter with return receipt, telegram, or other traceable method. For other claims, VHV has 30 days to inform the policyholder and transmit documentation to the third party's insurer