Vehicle Insurance in Italy
General info on Italian insurance policies, with details on insuring a vehicle (options from third party to any or all risks) and creating a claim...
No vehicle could travel on Italian roads while not being lined by third party insurance. it's obligatory for a vehicle owner to require out insurance against personal injury and material injury caused by their vehicle. This guarantee covers all the passengers within the vehicle together with members of family.
All European countries (and some others) area unit signatories to the positive identification System (International Motor Insurance Certificate). The positive identification and also the insurance certificate issued by the insurance firm represent proofs of third party insurance. associate policy could optionally be extended to incorporate insurance against hearth, theft, special help and additional.
Italian residents with a automotive registered with Italian plates could select any company commissioned to de jure sell insurance in Italia, notwithstanding whether or not it's associate Italian, EU or non-EU company. each 3 months, a listing of the businesses authorised to control in Italia is revealed within the Gazzetta Ufficiale della Repubblica Italiana.
The Italian insurance system operates on a no-claims bonus (sistema bonus/malus). so as to learn, it's necessary to produce proof of no previous claims; but it will scale back the price of insurance considerably.
In the event of associate accident anyplace in Europe all that has to be done is to advise the insurance firm of the accident. The insurance firm can contact the national motorcar insurance bureau, which can see to formalities between the 2 insurance corporations and also the victim.
Under EU community law, drivers area unit entitled to compensation from the motorcar guarantee fund of the member state wherever the accident occurred, if the accident is caused by associate uninsured vehicle.
In Italy, the freelance Management of the Guarantee Fund for Road Accident Victims (CONSAP Gestione Autonoma del Fondo di Garanzia per lupus erythematosus Vittime della Strada) pays compensation or injury for injury caused by vehicles if:
The accident is caused by associate unidentified vehicle
The vehicle is uninsured
The vehicle is insured by a corporation in liquidation
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