Extracted from source documents

Zurich Motor third-party liability (Zurigo Auto)

Underwritten by Zurich Insurance Europe AG - Rappresentanza Generale per l'Italia · Italy

motor third-party liability insurance from Zurich for the Italy market, with 24/7 assistance.

Verified Aug 31, 2026 · Terms dated 2025-06Sources

24/7 helpline

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

Covered

Bodily injury liability

€6.5M – €50M

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

Covered

Property damage liability

€1.3M – €50M

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

Optional

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

Covered

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

Section: Zurigò Auto in dettaglio > Garanzie > Responsabilità Civile Auto

Puoi scegliere il massimale fino al limite di € 50.000.000. In più, con Zurigò, la carta verde è sempre gratuita.

Optional

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

Optional

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

Covered

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

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

Territorial scope

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

Exclusions

Driver 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

Source

War and terrorism exclusion

Coverage excludes damages arising from war, insurrections, civil unrest, acts of terrorism, cyberterrorism, attacks, aggression or violent acts

Source

Documents

Zurigò Auto - DIP + DPA + Terms and Conditions (Edition 06.2025) (opens in a new tab)

Terms & conditions · PDF

Zurigò Auto - full Terms and Conditions (article-by-article) (opens in a new tab)

Terms & conditions · PDF

Zurigò Auto - Information Set - DIP + additional DPA + Glossary and Terms and Conditions (Edition 07.2022) (opens in a new tab)

Terms & conditions · PDF

Zurigò Auto - related policy document (unspecified) (opens in a new tab)

Other document · PDF

Zurigò Auto - related policy document (unspecified) (opens in a new tab)

Other document · PDF

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

Source

Section: Zurigò Auto in dettaglio > Garanzie > Responsabilità Civile Auto

E' la garanzia obbligatoria che copre i danni materiali o alle persone causati dal veicolo assicurato durante la circolazione.

Driver personal injury (optional)

Optional coverage covering consequences of injuries suffered by the driver, including permanent disability, death, and hospitalization daily allowance

Source

License 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

Source

Section: Zurigò Auto in dettaglio > Garanzie > Ritiro Patente

In caso di incidente molto grave, con conseguente ritiro temporaneo o sospensione della patente di guida, è possibile ricevere un’indennità giornaliera indicata nel contratto per tutto il periodo in cui non è possibile circolare in auto fino a un massimo di 180 giorni per ogni annualità assicurativa.

Mobility 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

Source

Section: Zurigò Auto in dettaglio > Garanzie > Responsabilità Civile della Mobilità e della Vita privata

Copre i danni provocati a terzi da te e dalle persone del tuo nucleo familiare durante lo svolgimento della vita di tutti i giorni indipendentemente dal fatto di essere in auto.

Legal protection (optional)

Optional coverage providing judicial and extrajudicial legal assistance necessary for protection of rights following events connected to vehicle ownership or driving

Source

Roadside assistance (optional)

Optional coverage providing immediate roadside assistance in case of breakdown or accident, including towing and vehicle recovery

Source

Guaranteed 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

Source

Section: Come funziona Zurigò Auto

Zurigò Auto ti offre la possibilità di acquistare l’opzione Valore garantito che ti consente di mantenere invariato durante l’anno di copertura il valore alla stipula del tuo veicolo

Electric and hybrid vehicle specific coverages

Optional coverage extensions available for electric or hybrid vehicles, including legal assistance for damages during charging

Source

Section: Zurigò Auto in dettaglio > Garanzie > Tutela Legale

Se il veicolo assicurato ha un’alimentazione elettrica o ibrida, sono disponibili alcune coperture aggiuntive e dedicate, che garantiscono un’adeguata assistenza legale, ad esempio, in caso di danni subiti dal veicolo durante la ricarica.

Bonus-Malus system

Zurigò Auto operates with a Bonus-Malus formula for calculating liability premiums based on claims history

Source

Policy duration and renewal

Zurigò Auto is issued as a twelve-month annual contract with explicit renewal terms; not subject to automatic renewal

Source

Premium payment and coverage commencement

Coverage begins on the date specified in the policy or the date following full premium payment, whichever is later

Source

Cyber 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

Sources

Zurich Motor third-party liability

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