Zurich Insurance Europe AG – General Representative Office for Italy (Gruppo Zurich Italia)
Zurich
Zurich is a motor third-party liability insurance for the Italy market with no online purchase and 24/7 assistance.
Direct payment
Vehicle repairs can be carried out at Zurich-affiliated body shops; glass breakage claims repaired at Vetrocar, Carglass, Glassdrive or DoctorGlass centres are not subject to any deductible; legal protection claims are handled directly by DAS; Zurich pays the offered settlement sum to the injured party within 15 days of acceptance
Geographic scope
Italy, Vatican City, San Marino, EU states, Liechtenstein and Monaco, plus Green Card system countries
Different territorial limits may apply to optional coverages such as Mobility and Private Life liability, Legal Protection and Assistance; Green Card countries are listed on the international insurance certificate issued on request
Unique selling points
- Selectable liability limit up to €50,000,000, well above the legal minimums of €6,450,000 (injury) and €1,300,000 (property damage)
- Green Card is always included free of charge, with no additional premium
- Zero deductible on glass breakage repairs carried out at Vetrocar, Carglass, Glassdrive or DoctorGlass affiliated centres
- Optional Valore Garantito option keeps the vehicle's insured value unchanged throughout the annual coverage period
- Dedicated coverage extensions for electric and hybrid vehicles, including legal protection for charging-related incidents
Coverage limits
Bodily injury liability
€6,450,000 – €50,000,000
Mandatory cover for damages to third parties. The legal minimum is €6,450,000 for personal injury per claim; the product page states a single selectable ceiling (not split by damage type) of up to €50,000,000
Property damage liability
€1,300,000 – €50,000,000
Mandatory cover for property damages to third parties. The legal minimum is €1,300,000 per claim; the product page states a single selectable ceiling (not split by damage type) of up to €50,000,000
Legal protection (Tutela Legale)
Optional
Optional guarantee providing extrajudicial and judicial legal assistance, including for cyber attacks, within the limits and conditions set in the policy schedule; managed by DAS - Difesa Automobilistica Sinistri S.p.A.; available in Base (B) and Gold (C) forms
Green Card (international insurance certificate)
Covered
The Green Card is always included free of charge and issued at the insured's simple request, extending validity to Green Card system countries whose codes are not crossed out on the certificate
Roadside assistance
Optional
Optional 24/7 assistance for breakdown or accident, including towing and vehicle recovery, managed by Mapfre Asistencia S.A. via toll-free number 800.181515; substitute vehicle available up to 30 consecutive days in case of theft, with the specific service limits set in the policy schedule
Driver personal injury (Infortuni del Conducente)
Optional
Optional guarantee covering consequences of injuries suffered by the driver, including permanent disability (paid within two years as a percentage of the insured sum chosen), death benefit to heirs, hospitalization daily allowance and medical expense reimbursement; the insured sum(s) are chosen and set out in the policy schedule
Passenger accident cover
Covered
No dedicated passenger-accident benefit is evidenced as a separate section; transported persons are indemnified as third parties within the mandatory motor liability (RCA) bodily injury limits
Key conditions
Territorial scope
The insurance is valid in Italy, Vatican City, San Marino, EU states, Liechtenstein and Monaco, plus Green Card system countries whose codes are not crossed out on the certificate; different territorial limits apply to certain optional guarantees
Green card rules
The Green Card is issued free of charge on simple request of the insured and lists the Green Card countries where the policy is valid, provided their codes are not crossed out
Driver restrictions
The policy can be customised with three driving formulas: Guida Definita (deductible-free driving from age 25, with younger drivers declared in the policy), Guida Libera (any driver, no age limit, higher premium) and Guida Esclusiva (only the policyholder/owner may drive)
Claim notification deadline
No single stated deadline was found for this product; specific claim channels apply per guarantee: legal protection claims must be reported immediately to DAS (or alternatively to Zurich or the intermediary), roadside assistance claims are handled by Mapfre Asistencia S.A. via the 24/7 toll-free number 800.181515, and licence suspension claims require submission of the official authority document proving the measure adopted
Bonus-malus rules
Zurigò Auto applies the Bonus-Malus formula to calculate the motor liability premium based on the policyholder's claims history
Where to buy
Documents
Zurigò Auto - DIP + DPA + Terms and Conditions (Edition 06.2025)
Terms & conditions
Zurigò Auto - full Terms and Conditions (article-by-article)
Terms & conditions
Zurigò Auto - Information Set - DIP + additional DPA + Glossary and Terms and Conditions (Edition 07.2022)
Terms & conditions
Zurigò Auto - related policy document (unspecified)
Other document
Zurigò Auto - related policy document (unspecified)
Other document
Policy specifics
Motor liability (RCA - Responsabilità Civile Auto)
Mandatory motor liability coverage that compensates damages caused to third parties by the insured vehicle during circulation
SourceDriver personal injury (optional)
Optional coverage covering consequences of injuries suffered by the driver, including permanent disability, death, and hospitalization daily allowance
SourceLicense suspension daily indemnity (optional)
Optional coverage providing daily indemnity in case of temporary license suspension due to serious accident resulting in death or serious injuries
SourceMobility and private life liability (optional)
Optional coverage protecting against damages caused to third parties during everyday activities outside vehicle use, including bicycle use and shared vehicle driving
SourceLegal protection (optional)
Optional coverage providing judicial and extrajudicial legal assistance necessary for protection of rights following events connected to vehicle ownership or driving
SourceRoadside assistance (optional)
Optional coverage providing immediate roadside assistance in case of breakdown or accident, including towing and vehicle recovery
SourceGuaranteed value option
Optional service allowing the insured to maintain the vehicle's value at the time of policy inception unchanged during the annual coverage period
SourceElectric and hybrid vehicle specific coverages
Optional coverage extensions available for electric or hybrid vehicles, including legal assistance for damages during charging
SourceBonus-Malus system
Zurigò Auto operates with a Bonus-Malus formula for calculating liability premiums based on claims history
SourcePolicy duration and renewal
Zurigò Auto is issued as a twelve-month annual contract with explicit renewal terms; not subject to automatic renewal
SourcePremium payment and coverage commencement
Coverage begins on the date specified in the policy or the date following full premium payment, whichever is later
SourceDriver intoxication exclusion
Claims are excluded when the driver was in a state of intoxication with blood alcohol content exceeding 1.2 g/l and/or under the influence of narcotics
SourceWar and terrorism exclusion
Coverage excludes damages arising from war, insurrections, civil unrest, acts of terrorism, cyberterrorism, attacks, aggression or violent acts
SourceCyber attacks coverage under glass and personal injury sections
Glass breakage and personal injury coverage includes damages attributable to cyber attacks, extending protection to digital-age risks
Source