Auto Insurance in Italy
Keep your Car Insured in Italy
If you are relocating to work in Italy, Clements Worldwide has made getting your car insured simple. We've partnered with Vittoria Assicurazioni S.p.A. to create a comprehensive third-party liability insurance plan that's tailored to your needs. With our physical damage coverage and the Third-Party Liability coverage, you'll be able to travel around Italy without a worry.
Clements’ Physical Damage policy protects against collision, theft and damage, even political violence. A Physical Damage Policy includes the following features and benefits:
- Protection against collision, theft, & damage
- Political violence coverage: Damage to your car resulting from riots, strikes, terrorism and other perils are covered through Clements’ exclusive Political Violence insurance extension
- Accident forgiveness: Your rate stays the same even after your first accident
- Home country rental car insurance expense reimbursement: All vehicle policies that include Physical Damage coverage will cover the cost of rental car insurance for $12 USD/day up to 21 days per policy period when renting a car in the US, Canada or your home country. This does not have to be consecutive.
- Covers Towing & Labor Reimbursement: up to $100 USD per disablement, up to $300 USD per policy term
- Windshield replacements included
- Transit coverage: all risk from departure to arrival available for government clients only
- Optional coverage for duty expenses
Benefits & Features
Our Italian car insurance includes:*
- Third-party liability (Responsabilita’ Civile verso Terzi)
- Vehicle protection (Danni Autovetture)
- Personal accident coverage (Persona Autovetture)
- RCA sum insured with Bonus/Malus
- Competitive discounts to future policy holders
- Special discounts for expatriates
- 30 days of guaranteed cover after policy expiry
*Subject to underwriting guidelines. Limits, conditions and exclusions may apply.
Please see policy wordings below for the various levels of cover available. English and Italian versions are accessible via download.
Frequently Asked Questions About Car Insurance in Italy
Just as the rules of the road can change from country to country, so can the rules that apply to your expat car insurance coverage in Italy. Check out the FAQs below to learn more about insuring your car. If you have a question we haven’t covered, you can contact us at 800.872.0067.
Clements can provide coverage for non-EU/EEC registered vehicles for up to 135 days with proof of Italian residency. You must arrange for your car to be registered under a local Italian license plate for us to continue to provide you with coverage beyond 135 days.
The Italian ‘No Claims Bonus’ structure operates under a system known as ‘Bonus/Malus’. As a result of this specific structure, our partner insurer, Vittoria Assucurazioni, cannot accept foreign ‘No Claims Bonus’.
The Italian ‘No Claims Bonus’ system is structured in classes, ranging from Class14 to Class 1. When drivers start a new policy, they are automatically categorized in ‘Class 14’. For each subsequent claim-free year, drivers graduate a class (the second year: Class 13; the third year: Class 12; etc.).
If you have a claim for which you are at fault, your policy will go up two classes. So, for example, if you are in class 10, and are at fault for a claim, the following year you will be in class 12.
The minimum cover for third party liability in Italy is €7,290,000. There is no deductible or excess for third party liability claims.
In Italy, there are no restrictions on drivers. The insurance must be in the name of the legal owner of the vehicle. However, with your consent, anyone can drive your car and be covered by your policy, including your spouse and children.
Please note, you must disclose if anyone under the age of 26 will drive the vehicle.
If you need to file a claim, always contact your Clements representative. We will help guide and assist you though the whole process.
Your Clements representative will also help you with translations and any reports you must file under Italian law.
If you have purchased Third Party Liability coverage with Vittoria Assicurazioni, you will be provided with a Green Card. This allows you to drive in any country which is a member of the European Union.
Countries include: Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, the Czech Republic, Denmark, Estonia, Finland, France (including Monaco), Germany, Gibraltar, Greece, Hungary, Iceland, Italy (including San Marino and the Vatican City), Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Republic of Ireland, Romania, Serbia, Slovakia, Slovenia, Spain, Sweden and Switzerland (including Liechtenstein). Note - The level of cover provided is the minimum level of cover required by law. It is not the same level of cover you receive when driving within the territorial limits under this policy and does not cover loss or damage to the vehicle being driven.
We accept electronic bank transfers as well as payments via debit and credit cards over the phone through our secure lines.
If you are paying with a credit or debit card, one our licensed agents will request your phone number to call you on a secure line. They will then take your payment and send you a certificate of insurance via email.
Our process is entirely via phone and email. Once we receive payment, we will immediately email you your original contract and certificate of insurance.
These documents are in PDF format, you must print a copy of each and keep them in your car with you as proof of insurance.
Our roadside assistance is available 24/7/365, both inside and outside of Italy. It is valid within Green Card territories (any member of the European Union including the Schengen area).
To purchase insurance in Italy, you must have the following documents:
- A copy of both sides of the logbook of the car (libretto di circolazione)
- A copy of both sides of your driving license
- A copy of certificate of ownership of your car.
Upon receiving all of these documents, our team will issue your contract and policy within one business day. Your contract and certificate of insurance will be issued via email.
No. In accordance with Italian law, you do not have to have an Italian driving license to be insured. As long as you have a valid license to drive, we can provide you with cover.
Currently, we can only issue annual policies. We can offer an annual contract, split into two installments (6 months each) and put the policy on hold for up to 18 months.
If you choose to put your policy on hold, the expiry date will be postponed. For example, if you defer the policy by one month, the expiry date will be postponed by one month.
To defer your policy, you must send us an email. Please note, to defer your policy there is a €10 free. There is also no limit to the number of times that you can defer your policy.
In the event that you: sell, scrap or export your car, we will cancel your contract at no cost and we will refund you the premium left to the expiry date, without the taxes.*
Please note that there is no proportional refund for Theft, fire and/or accidental damage coverage in the event of cancellation.