Vittoria Assicurazioni S.p.A.
Vittoria Assicurazioni
Vittoria Assicurazioni is a motor third-party liability insurance for the Italy market with no online purchase and limited assistance availability.
Direct payment
The policy operates under the Risarcimento Diretto (direct compensation) system for qualifying two-vehicle accidents. Assignment of the claim credit to a repairer is prohibited unless the Company consents or a network-affiliated body shop is used (in which case the appointed surveyor contacts the insured/repairer within 2 days, and using a non-network repairer is deemed authorized if the Company does not object within 4 days). A partial refund of the RCA premium is granted when repairs are carried out at a Vittoria-affiliated body shop or credit assignment is authorized.
Geographic scope
Italy (national coverage)
Coverage applies in Italy, Vatican City, San Marino, all EU member states, Iceland, Liechtenstein, Norway, Monaco, Switzerland, Andorra and Serbia, and extends to Green Card system states not crossed out on the Green Card.
Unique selling points
- The proprietary Classe Vittoria bonus scale starts as low as coefficient 0.344 at its best class (1H), among the steepest available no-claims discounts in the tariff structure.
- An optional 'Blocco del Malus' feature lets policyholders avoid a merit-class penalty after a single at-fault claim in a policy year, provided the Classe Vittoria was already 5 or better.
- Policyholders can buy back the malus at renewal by reimbursing the Company for claims paid in the observation period, avoiding the premium increase entirely.
- A partial refund of the RCA premium is granted whenever repairs are carried out at a Vittoria-affiliated body shop or an authorized credit assignment is used.
- An optional 30-day coverage-extension clause keeps the full policy (not just RCA) in force for 30 days past expiry instead of the statutory 15, covering intermediate instalments too.
Coverage limits
Bodily Injury Liability
€6,450,000
Legal minimum liability limit for bodily injury per claim, regardless of the number of victims (statutory minimum in force at policy drafting date); higher limits can be requested for an additional premium.
Property Damage Liability
€1,300,000
Legal minimum liability limit for damage to vehicles/other property/animals per claim, regardless of the number of victims (statutory minimum in force at policy drafting date); higher limits can be requested for an additional premium.
Legal Defence / Claims Handling
Covered
The Company assumes, for as long as it has an interest, the out-of-court and in-court handling of disputes concerning the compensation of damage, appointing lawyers or experts where necessary, including criminal defence of the insured up to the end of the relevant stage of proceedings; the Company does not cover fines/penalties or costs of counsel it has not appointed.
Green Card (International Motor Insurance Certificate)
Covered
The Green Card can be requested at policy inception or during the contract term and is valid for the insurance period for which the premium/instalment has been paid; it extends cover to Green Card system states not crossed out on the card.
Roadside Assistance
No limit stated
Roadside assistance is provided under a separate 'Sezione Assistenza' of the Vittoria con Te product; its terms are not contained in the RCA sections reviewed for this extraction.
Driver Accident Benefit (Daily Hospitalisation Allowance)
Optional
Available only within the optional RCA GOLD complementary guarantee package: a daily hospitalisation allowance of €50 is paid from the 5th day of hospital admission due to a motoring accident, for a maximum of 30 days; not available for persons over 80 or with certain pre-existing conditions.
Passenger Accident Cover
No limit stated
A dedicated personal-accident cover for transported passengers is not described in the RCA/A-to-Z sections reviewed; only a third-party liability extension for transported persons (Responsabilità Civile dei trasportati, an RCA NEW/GOLD add-on) was found, which is a liability extension rather than a passenger accident indemnity.
Key conditions
Territorial scope
Coverage applies in Italy, Vatican City, San Marino and all EU member states, plus Iceland, Liechtenstein, Norway, Monaco, Switzerland, Andorra and Serbia, and to non-crossed-out Green Card system states.
Green card rules
The Green Card can be requested at inception or in the course of the contract and is valid for the insurance period for which the premium/instalment has been paid; if the policy terminates or is suspended before the Green Card's stated expiry, the policyholder must destroy or return the certificate and Green Card.
Driver restrictions
Optional premium-reducing clauses are available: 'Guida Esclusiva' (cover restricted to the PRA-registered owner as sole driver, aged 25+ with at least 20 licence points and no claims in the last 5 years, subject to a Company recovery right of up to €5,000 if breached) and 'Rivalsa per età inferiore a 26 anni' (recovery right of up to €750 if a driver under 26 is at the wheel at the time of a claim, applicable only if the vehicle owner is 26 or older).
Claim notification deadline
The claim must be reported using the Company's form (Modulo blu/CAI), pursuant to art. 143 of the Codice delle Assicurazioni Private, no later than three days after the accident occurred.
Bonus-malus rules
Each contract is assigned both a statutory Classe Universale (CU, scale 1-18 per IVASS rules) and a proprietary Classe Vittoria bonus/malus scale of 26 merit classes (1H best to 18 worst) with premium coefficients from 0.344 to 5.000; classes evolve at each renewal based on claims recorded during the observation period, with malus applied only after the policyholder's principal responsibility is established.
Policy specifics
Bonus-Malus System
Dynamic merit class system that adjusts premiums based on claim history and driving record
SourceNetwork Repair Deductibles
Damages coverage includes differentiated deductibles depending on whether repairs are performed at authorized network shops or external centers
SourceCompeting Claim Waiver Conditions
Insurer may renounce claim recovery rights in specific circumstances including vehicle under repair, use during emergencies, or specific passenger categories
SourceSuspension and Reactivation
Policyholders can suspend and reactivate coverage at any time without additional costs, including via mobile app
SourceModular Coverage Composition
Policy allows policyholders to select and combine multiple coverage modules (RCA base + optional add-ons) that can be modified at any time
SourceContract Duration Flexibility
Contracts containing RCA guarantee have annual duration or, on request, one year plus fraction; contracts without RCA renew tacitly annually
SourceAssured Value Automatic Adjustment
For contracts with Damages and Auto Sicura sections, insured value and premium are automatically adjusted at each annual renewal based on market values published in Quattroruote magazine
Source