International Car Insurance in Italy

If you plan to drive in Italy, you are legally required to have Italian car insurance with at least third-party liability coverage.

In Italy, the vehicle is insured, not individual drivers. If you own an Italian-registered vehicle and hold a valid license to drive in Italy, we can offer you Italian car insurance. You do not need an Italian driver's license to be insured.

For Italy, including San Marino and Vatican City, we'll provide an Italian certificate of insurance.

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We help you find the best coverage at the best price and understand local insurance requirements, paperwork and documents. We specialize in insurance for:

• Expats: Living, moving to, or retiring in Italy.
• Military and diplomats: Dedicated discounts.
• International professionals, FAO and UN staff, and globally mobile employees: Coverage designed for people whose needs may not fit into standard local insurance.
• Motorcycle owners: Coverage options for motorbikes as well as cars.
• People relocating or importing vehicles: Italian plate requirements and temporary limitations.

No. In accordance with Italian law, you do not have to have an Italian driving license to be insured. If you have a valid license to drive in Italy, we can provide you with car insurance cover.

We can provide coverage for non-EU/EEC-registered vehicles for up to 135 days, with proof of Italian residency and proof that the vehicle's nationalization has been initiated. You must arrange for your car to be registered with a local Italian license plate for us to continue providing you with coverage beyond 135 days.

Yes, the Italian 'No Claims Bonus' structure operates under a system known as 'Bonus/Malus'. As a result of this specific structure, our partner insurer can accept foreign no-claims certificates from all countries.

The Italian 'No Claims Bonus' system is structured in classes, ranging from Class 14 to Class 1. When drivers start a new policy, they are automatically categorized in 'Class 14', unless there's an accepted no-claims certificate. 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're 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.

You have the option to extend your auto insurance coverage outside of Italy. If you purchase our third-party liability coverage, a "Carta Verde" or Green Card is provided, giving you the same level of coverage when driving in EU countries, the Schengen Area and the UK.

For example, if you purchased theft and fire coverage with your Third Party & Liability insurance, your car will be covered for these events even if you're not in Italy.

Currently, we can only issue annual policies. We can offer an annual contract that can be split into two installments (6 months each) and put the policy on hold for up to ten 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 suspend your policy, you need to email us. There's no fee for suspensions, and you can request it as many times as needed for a maximum of ten months per policy term.

Yes, you will need an international driver's permit to drive legally in Italy. This applies even if you're renting a car for a short trip past the Italian border.

It's also important to keep in mind that you need to apply for your permit before your trip. Once you're in Italy, you'll be ineligible to apply for one. You can apply for an international driver's permit via these automobile associations before you leave: AAA (American Automobile Association) or AATA (American Automobile Touring Alliance).

Finally, in addition to the legal requirements, an international driver's permit is genuinely useful. It translates the information on your domestic driver's license, which will be extremely helpful if you get pulled over by the authorities while driving in Italy.

Dual citizenship does not change anything for you, and we can provide you with insurance coverage.

Yes, our roadside assistance is available 24/7/365, both inside and outside of Italy. It's valid within Green Card territories (any member of the European Union, including the Schengen area, and the UK).

The minimum cover for third-party liability in Italy is €7,790,000. There's no deductible or excess for third-party liability claims.

Yes, our comprehensive insurance is available for motorbikes and provides coverage for physical damage and local third-party liability. Learn more about our international motorcycle insurance and request a quote: Request a motorcycle quote

Our process typically takes 15-20 minutes, including issuance of documents and payment processing. Everything is conducted entirely via email. We'll send you the contract first, then process your payment and finally you'll receive your original certificate of insurance.

These documents are in PDF format, and you must print a copy of each and keep them in your car with you as proof of insurance.

We accept electronic bank transfers as well as payments via debit and credit cards over the phone through our secure lines or through a secure online link.

If you're paying with a credit or debit card, one of our licensed agents will request your phone number so they can call you on a secure line. They'll then take your payment and send you a certificate of insurance via email.

No, in Italy it's the car that's insured, and the cover is issued on the number plate. So, if you have more than one vehicle, you'll need an insurance policy for each.

There's no need to stress about adding additional drivers to your policy when buying car insurance coverage for Italy.

In accordance with Italian regulations, in Italy, there are no restrictions on drivers; instead, the vehicle itself is insured. The policyholder must be the legal registered owner of the car, and with your consent, anyone with a valid driver's license can drive your car and be covered by your insurance policy, including your spouse and children.

Please note that you must disclose if anyone under the age of 26 will drive the vehicle.

If you need to file a claim, always contact your Gallagher representative. We'll help guide and assist you through the entire process. We'll also help you with translations and any reports you must file under Italian law.

If you sell, scrap, or export your car, we'll cancel your contract at no cost and refund you the premium remaining until the expiry date, excluding taxes, for the mandatory liability cover only. Subject to official proof of sale, scrap or export.

Please note that there is no proportional refund for theft, fire or accidental damage coverage in the event of cancellation.

You can purchase the car without an Italian driving license; however, please check that the license you hold is valid for driving in Italy. This needs to be checked with the local authorities or with the ACI or PRA office (www.aci.it). However, it is mandatory to have an Italian fiscal code (tax code) to purchase a car in Italy.

Yes, you must have an Italian tax code (fiscal code) to purchase a car in Italy.