ViaggiaConMe

territorial_scope

Coverage is valid in Italy, Vatican City, the Republic of San Marino, all other EU member states, Norway, Iceland, Liechtenstein, the Principality of Monaco, Switzerland, Andorra and Serbia. For circulation abroad, coverage operates according to each country's mandatory RC Auto legislation. The Green Card remains valid for the premium-paid period plus a 15-day grace period after policy expiry.

green_card_rules

The Green Card is automatically issued with the policy and is valid for the coverage period. In case of policy suspension or cancellation, the policyholder must return the Green Card to the insurer. Failure to return the Green Card after cancellation entitles the insurer to exercise the right of subrogation for any claims paid to third parties after cancellation. For travel in Green Card system countries, the insurer notifies UCI (Ufficio Centrale Italiano) for claims management involving foreign-registered vehicles in Italy.

driver_restrictions

The insurance does not operate when the vehicle is driven by a person not legally licensed to drive under applicable regulations, when driven by a person under the influence of alcohol (Art. 186, 186bis, 187 Highway Code) or narcotic substances, or when driven by a person who is a student driver without a qualified instructor. A premium surcharge applies when regular drivers are habitually under 26 years of age. For Intesa Sanpaolo account-holder policyholders, the insurer waives subrogation in cases of drunk driving (alcohol only) and non-compliant transport of third parties.

claim_notification_deadline

The driver or owner must notify the insurer of any claim within 3 days of its occurrence or becoming aware of it, regardless of whether the ViaggiaConMe Box has automatically detected and signalled the incident. Notification can be made by phone (800.124.124), post, fax, email or via branch. The friendly accident report form (Modulo CAI) must be sent to the insurer. Failure to notify may give the insurer the right of subrogation pursuant to Art. 1915 of the Italian Civil Code.

bonus_malus_rules

The policy uses a proprietary 33-class Intesa Sanpaolo Protezione Bonus/Malus system ranging from SuperBonus 7 (best) to Malus 8 (worst), alongside the Italian universal CU class (1–18). At first subscription the internal class is assigned via conversion from the CU class on the risk certificate. No claims during the observation period result in a class improvement; claims with principal or parity responsibility cause class deterioration. In the Bonus/Malus with Franchise formula (€500 deductible), the first at-fault claim is disregarded for class evolution (bonus protection). Policyholders may reimburse claims paid by the insurer within 9 months of policy expiry to avoid or reduce malus. The observation period runs from policy inception to 2 months before annual expiry, then in 12-month periods.

Mandatory ViaggiaConMe Box installation

Installation of the telematics device (ViaggiaConMe Box) is mandatory within 15 working days of policy inception for certain variants

Pay-per-kilometer consumption model (ViaggiaConMe a Consumo)

ViaggiaConMe a Consumo variant allows customers to pay 50-75% of premium upfront based on vehicle age, then pay variable amounts quarterly for kilometers exceeding 3,500, up to a maximum of 8,500 km annual

Satellite-assisted claims and crash detection

The ViaggiaConMe Box device detects accidents based on acceleration/deceleration thresholds (2.0-2.5g impact), automatically contacts operating center, and reconstructs accident dynamics for claims processing

Vehicle recovery and theft location service

ViaggiaConMe Box includes GPS-based vehicle location service when theft coverage is activated, enabling authorities to locate and recover stolen vehicles

Family Bonus merit class transfer

Policyholders can transfer the best merit class from another vehicle owned by a family member to benefit from improved premium rates under RC Auto Family regulations

Intesa Sanpaolo bank account requirement

ViaggiaConMe policies (all variants) can only be subscribed by Intesa Sanpaolo current account holders and subscribed exclusively at branch or via bank online services

Device non-installation and non-return penalties

Failure to install ViaggiaConMe Box within 15 working days results in 100 euro penalty and 500 euro deductible on RCA and collision claims. Non-return at policy end results in 50 euro penalty.

Policy suspension duration limits

Policyholders can suspend ViaggiaConMe policies for vehicle non-use for minimum 14 days to maximum 10 months (11 for classic/historic vehicles) during an annual period

Incident notification deadline

Policyholders must notify insurer of any incident within 3 days, regardless of ViaggiaConMe Box automatic detection or signaling

Bonus/Malus system with 23 merit classes

ViaggiaConMe uses proprietary 23-class Intesa Sanpaolo Protezione bonus/malus tariff system ranging from Super-Bonus 5 to class 18, separate from universal class (CU)