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F - TABELLA ASSEGNAZIONE CLASSI SUPER BONUS GENIALLOYD

Anni di permanenza in classe CU 1
un anno
Classe Assegnazione Genialloyd
6
due anni tre anni

6
6
quattro anni
cinque anni
6
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APPENDICE A.2 GARANZIA INFORTUNIO DEL GUIDATORE

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Descrizione Infortunio
Percentuale Destra
Percentuale Sinistra

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Descrizione Infortunio
Amputazione di un arto inferiore:
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Amputazione di:
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Percentuale

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Esiti di frattura amielica-somatica con deformazione a cuneo di:
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Genialloyd S.p.A. di Assicurazioni

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Aggiornamento n. 1 del 09/02/2013

al Fascicolo Informativo del Contratto di assicurazione
per autovetture ed. 04/2012.
Le garanzie ed i servizi di Assistenza di seguito precisati, a eccezione delle prestazioni
di Protezione premio e di spedizione dei documenti assicurativi tramite corriere, saranno erogati da Genialloyd tramite la Centrale Operativa di AGA Service Italia Scarl con
sede operativa in Via Ampre n. 30, 20131

Milano (MI) e sede legale in Piazzale Lodi 3,
20137 Milano, in funzione 24 ore su 24, tutti
i giorni dellanno, telefonando al numero 02
2660.9333.
GARANZIA ASSISTENZA STRADALE ZEROPENSIERI

(valida solo se presente in polizza)
Per le norme comuni relative alla garanzia

vale quanto gi disciplinato nelle clausole riJXDUGDQWLO$VVLVWHQ]D%DVHYSDUDJUD
- 3.2 - 3.3 - 3.4 - 3.5 - 3.6).
A coloro che acquisteranno la garanzia assistenza stradale ZeroPensieri, Genialloyd
allatto della stipula del contratto garantir la
prima spedizione dei documenti assicurativi
tramite corriere.
SOCCORSO STRADALE
Ferme restando le prestazioni descritte al

punto 3.6 Soccorso stradale dellassistenza Base e le modalit di attivazione, qualora
si rendesse necessario il traino del veicolo,
la prestazione erogata QR D XQ LPSRUWR
massimo di 250 , anzich 200 . Leventuale eccedenza di costo resta comunque a
carico dellAssicurato.
OFFICINA MOBILE
(PRESTAZIONE EROGATA SOLO IN ITALIA)
Qualora a seguito di guasto, il veicolo non

fosse in condizioni di muoversi autonomamente, la Centrale Operativa, valutata la
possibilit di effettuare la riparazione sul
posto ed accertata la disponibilit in zona di
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posto del guasto. Se il guasto non fosse coPXQTXHULSDUDELOHVXOSRVWRORIFLQDPRELOH
provveder al traino del veicolo come previsto dal precedente punto Danni al veicolo
Soccorso stradale. Genialloyd terr a proprio carico il costo QRDXQPDVVLPRGL
per sinistro, restano a carico dellAssicurato
i pezzi di ricambio utilizzati, nonch il costo
della mano dopera.
RECUPERO DEL VEICOLO FUORI STRADA
Qualora in caso di sinistro il veicolo sia fuoriuscito dalla sede stradale e sia danneggiato
in modo tale da non potervi ritornare autonomamente, la Centrale Operativa procurer direttamente allAssicurato il mezzo di
soccorso per riportare il veicolo danneggiato
nellambito della sede stradale, tenendo Genialloyd a proprio carico il relativo costo QR
a un massimo di 1.000 per sinistro. Leventuale eccedenza rimane a carico dellAssicurato.
AUTO SOSTITUTIVA PER FURTO DEL VEICOLO
A seguito di furto totale del veicolo, lAssicurato pu richiedere alla Centrale Operativa
una vettura in sostituzione di pari cilindrata,
e comunque non superiore a 2.000 c.c., per
un periodo massimo di 30 giorni di noleggio consecutivi a condizione che inoltri via
fax copia della regolare denuncia di furto
effettuata presso le Autorit competenti. In
caso di ritrovamento del veicolo rubato, lAssicurato sar tenuto a restituire entro 24 ore
lauto a noleggio; nel caso in cui il veicolo
ritrovato non sia in condizione di spostarsi
autonomamente lassicurato potr attivare
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stradale e Auto sostitutiva per altri casi.
AUTO SOSTITUTIVA PER ALTRI CASI
a. In caso di traino del veicolo organizzato

dalla Centrale Operativa o disposto dallAutorit, lAssicurato ha diritto a richiedere
unautovettura sostitutiva (di pari cilindrata
o non superiore a 2.000 cc), a condizione
che i tempi di riparazione del veicolo siano
pari o superiori alle 6 ore di mano dopera.
La durata della riparazione deve essere cerWLFDWDVXOODEDVHGHLWHPSDULXIFLDOLGHOOH
case costruttrici) dal responsabile dellautofFLQDRGDOVRFFRUULWRUHVWUDGDOHGLUHWWDPHQte alla Centrale Operativa. Sar assegnato
un giorno di auto sostitutiva ogni 8 ore di
Pagina 1 di 8 - Aggiornamento n.1 del 09/02/2013 al Fascicolo Informativo del Contratto di assicurazione per Autovetture
PDQRGRSHUD QR D XQ PDVVLPR GL JLRUQL

consecutivi. Per il solo primo giorno sono sufFLHQWLRUHGLPDQRGRSHUDSHURWWHQHUHXQ
giorno di auto sostitutiva. Per manodopera
sintende il tempo di riparazione del veicolo, escludendo lattesa dei pezzi di ricambio
e quantaltro non sia di pertinenza diretta
della riparazione. Qualora il sinistro accada
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serale o festivo), lassicurato pu comunque
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(di pari cilindrata o non superiore a 2.000
cc), con possibile estensione al 2 giorno per
sinistri avvenuti il sabato. La comunicazione
delle ore di manodopera necessarie per le
riparazioni va comunque fatta alla Centrale
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funzione di tale comunicazione, potr essere prolungato il periodo di noleggio, fermo
restando il massimale e le precedenti regole
di concessione.
b. Se il sinistro avvenuto entro 50 km
dal comune di residenza dellAssicurato,
questultimo potr richiedere alla Centrale
Operativa al posto dellauto sostitutiva, per il
solo primo giorno dimmobilizzo del veicolo,
il rimborso delle spese di trasporto documentate (taxi, mezzi pubblici) QRDXQPDVVLPR
di 100 per sinistro, indipendentemente dalle ore di manodopera necessarie per le riparazioni. Se il tempo di riparazione tale da
consentire lassegnazione dellauto sostitutiva (secondo quanto descritto al precedente
punto a. e nel rispetto dei criteri di assegnazione), la Centrale Operativa provveder alla
prenotazione dellauto a noleggio QR D XQ
massimo di 6 giorni consecutivi.
c. Se il sinistro avvenuto a una distanza
maggiore di 50 chilometri dal comune di residenza dellAssicuratoODTXDQWLFD]LRQHGHO
periodo di noleggio fatta esclusivamente in
base ai giorni dimmobilizzo del veicolo, indipendentemente dalle ore di manodopera necessarie per le riparazioni, QRDXQPDVVLPR
di 7 giorni consecutivi per sinistro.
RECUPERO DEL VEICOLO, SPESE DI CUSTODIA E
DI DEMOLIZIONE, ABBANDONO LEGALE
Quando, a seguito di guasto meccanico o

elettrico, incidente stradale, incendio, esplosione, scoppio, tentato furto o ritrovamento
a seguito di furto il veicolo risulta danneggiato in modo tale da non essere in condizione
di spostarsi autonomamente, e richiede un
tempo di riparazione superiore a 24 ore di
mano dopera, la Centrale Operativa, dopo
DYHUSUHVRFRQWDWWRFRQORIFLQDGRYHVLWURva il veicolo, incarica un autotrasportatore di
VXDGXFLDGLWUDVSRUWDUORGDOOXRJRGHOOLPPRELOL]]R QR DOORIFLQD LQ ,WDOLD SUHYHQWLvamente segnalata dallAssicurato, tenendo

a proprio carico le spese relative, comprese
quelle di custodia del veicolo (per il periodo
tra la richiesta di recupero e il suo ritiro da
parte dellautotrasportatore) e di demolizione dello stesso con relativo ulteriore trasporto (limitatamente per queste ultime al solo
caso di incidente). Quando il valore commerciale del veicolo risulta inferiore al costo del
trasporto, la Centrale Operativa potr valutare, in accordo con lAssicurato, labbandono
legale sul posto, tenendo a proprio carico i
relativi costi amministrativi ed organizzativi.
VIAGGIO PER IL RECUPERO DEL VEICOLO
Se lAssicurato non intende usufruire della

precedente prestazione Recupero del Veicolo ecc., la Centrale Operativa metter a sua
disposizione un biglietto aereo di sola andata
(classe economica) o ferroviario (prima classe), per consentirgli di recuperare il mezzo
dopo la riparazione. Nel caso di ritrovamento
del veicolo rubato la prestazione erogata
anche se il veicolo perfettamente funzionante.
PROTEZIONE GIURIDICA ALLESTERO
A seguito di incidente stradale avvenuto

allestero con il veicolo assicurato, il Servizio
Legale della Centrale Operativa provvede, in
FDVRYLVLDQRSRVVLELOLWjGLVXFFHVVRHQRDO
raggiungimento del massimale di spesa di
3.000 , a svolgere ogni attivit idonea ad
ottenere il risarcimento dei danni subiti da
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PROLUNGAMENTO SOGGIORNO
Qualora a seguito di infortunio, causato da

incidente stradale nel quale sia rimasto coinvolto il veicolo assicurato, lAssicurato, dietro
prescrizione medica scritta da presentare al
rientro, non sia in condizioni di intraprendere il viaggio di rientro al domicilio nella data
prestabilita, la Centrale Operativa prenoter
un albergo per lAssicurato. Genialloyd terr
a proprio carico le spese della camera e prima colazione QR D XQ LPSRUWR PDVVLPR GL
400 per evento. Non sono previste le spese
di albergo diverse da quelle indicate.
SERVIZIO TAXI
In caso di furto del veicolo, traino a seguito
di sinistro, ritiro della patente e/o sequestro
del veicolo su strada da parte delle Autorit, lAssicurato ha diritto, prendendo contatto con la Centrale Operativa, allinvio di un
taxi per raggiungere una destinazione di sua

scelta e al rimborso del costo VRVWHQXWRQR
a un massimo di 70 per evento.
Genialloyd terr a proprio carico la relativa

spesa.
SPESE DALBERGO
Quando lAssicurato in viaggio allestero necessita, per le riparazioni del veicolo, di pezzi
di ricambio irreperibili sul luogo del sinistro e
indispensabili al suo funzionamento, saranno inviati i pezzi necessari con il mezzo pi
rapido, tenendo conto delle norme locali che
regolano il trasporto delle merci in genere e
dei pezzi di ricambio automobilistici in particolare, coprendo le spese di ricerca e di invio
a destinazione. Tale prestazione verr erogata a condizione che lAssicurato sia in grado
di fornire adeguata garanzia pecuniaria, traPLWHDVVHJQRRERQLFRSHULOVRORFRVWRGHL
pezzi di ricambio. In caso di spedizione aerea
i pezzi di ricambio saranno recapitati al pi
vicino aeroporto internazionale.
Qualora, in conseguenza di sinistro, il veicolo

resti immobilizzato e ci comporti una sosta
forzata dellAssicurato per almeno una notte,
la Centrale Operativa provveder a prenotare un albergo, tenendo a proprio carico il costo di pernottamento e prima colazioneQR
a un massimo di 400 per sinistro complessivamente per tutte le persone coinvolte nel
medesimo sinistro (Assicurato e trasportati).
RIENTRO DEI PASSEGGERI / PROSECUZIONE DEL
VIAGGIO
Se il veicolo assicurato, conseguentemente

a un sinistro, resta immobilizzato in Italia
per almeno 24 ore o allestero per almeno 72
ore, oppure dovesse essere rubato, la Centrale Operativa metter a disposizione degli
assicurati (guidatore e trasportati) un biglietto aereo di classe economica o ferroviario di
prima classe oppure un veicolo ad uso priYDWR VHQ]D DXWLVWD QR D FF GL FLOLQdrata, per consentirgli la continuazione del
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di rientrare al luogo di residenza in Italia.
Genialloyd terr a proprio carico il relativo
costo QR D XQ PDVVLPR GL SHU VLQLstro complessivamente per tutti gli assicurati
(guidatore e trasportati). Nel caso di noleggio di unautovettura, vale quanto riportato
allarticolo 3.5 Precisazioni.
AUTISTA A DISPOSIZIONE
Se il conducente del veicolo assicurato resta

coinvolto in un incidente stradale infortunandosi in modo tale da non essere in condizioni
di guidare, ovvero gli sia stata ritirata la patente e nessuno degli altri passeggeri sia in
grado di sostituirlo per ragioni obiettive, la
Centrale Operativa procurer un autista per
ricondurre veicolo e passeggeri nella citt di
residenza dellAssicurato, secondo litinerario
pi breve. Il costo dellautista resta a carico
di Genialloyd, mentre le spese di carburante
e di pedaggio (autostrade, traghetti, ecc.)
sono a carico dellAssicurato.
SPESE DI CUSTODIA
Qualora a seguito di sinistro il veicolo subisca

un danno tale da non essere riparabile nella
giornata o i punti di assistenza siano chiusi,
si provveder al rimessaggio ed alla custodia
del veicolo stesso dalla richiesta dellAssiFXUDWR QR DO ULWLUR GHOODXWRWUDVSRUWDWRUH H
INVIO PEZZI DI RICAMBIO ALLESTERO
DISBRIGO PRATICHE FURTO
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in polizza, saranno reperiti, in nome e per
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allo stesso linterruzione del pagamento dei
tributi automobilistici, lestratto cronologico
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del reperimento dei documenti interamente
a carico di Genialloyd. Per attivare la prestazione, lAssicurato dovr, in occasione della
denuncia di sinistro, far pervenire alla Centrale Operativa la delega con cui autorizza
la Centrale stessa a richiedere per suo conto
i documenti, loriginale o la copia conforme
della denuncia di furto e copia di un documento didentit fronte-retro del proprietario
o della persona che ha presentato denuncia
alla Pubblica Autorit.
ANTICIPO DELLE CAUZIONI PENALI E CIVILI
In caso di fermo, di arresto o di minaccia

di arresto dellAssicurato in conseguenza di
incidente, qualora lAssicurato non vi possa
provvedere direttamente, la Centrale Operativa verser per suo conto a titolo di anticiSRODFDX]LRQHVVDWDGDOO$XWRULWjQRDXQ
massimo di 5.000 per sinistro tanto per la
cauzione penale che per la cauzione civile. La
prestazione verr erogata a condizione che
lAssicurato sia in grado di fornire adeguata
garanzia pecuniaria, tramite assegno o boniFREDQFDULR
ANTICIPO SPESE LEGALI
In caso di fermo, di arresto o di minaccia di

arresto dellAssicurato in conseguenza di incidente, la Centrale Operativa, qualora lAssi-
curato non vi possa provvedere direttamente, verser per suo conto a titolo di anticipo
lonorario di un legale QRDXQPDVVLPRGL
5.000 per sinistro. La prestazione verr
erogata a condizione che lAssicurato sia in
grado di fornire adeguata garanzia pecuniaULDWUDPLWHDVVHJQRRERQLFREDQFDULR
INFORMAZIONI LEGALI TELEFONICHE
Tramite la Centrale Operativa lAssicurato

pu usufruire di un servizio gratuito di infor
mazioni legali telefoniche di prima necessit che gli consente di ottenere indicazioni e
chiarimenti di natura giuridica relativamente
a leggi e normative su fatti e situazioni delODYLWDSULYDWDTXDOLDWLWRORHVHPSOLFDWLYR
propriet della casa o dellauto, problemi
condominiali, famiglia ed eredit, lavoro dipendente, circolazione stradale, responsabilit civile e penale verso terzi, tutela dei consumatori, diritto allassistenza sanitaria. Le
informazioni non vengono fornite per quesiti
relativi ad unattivit professionale, imprenditoriale o comunque di carattere autonomo,
RSHUTXHVWLRQLGLQDWXUDVFDOH,OVHUYL]LRq
operativo dalle ore 9:00 alle ore 18:00.
MONTAGGIO E SMONTAGGIO CATENE DA NEVE
Quando le condizioni climatiche e stradali

rendano necessario il montaggio/smontaggio
delle catene da neve in dotazione al veicolo
e lAssicurato non in grado di farlo, potr
chiedere alla Centrale Operativa lassistenza
necessaria per eseguire loperazione. Il costo
di uscita del soccorritore e della prestazione
sar gratuito se lintervento richiesto dal
conducente di un veicolo omologato per portatori di Handicap o con capacit motorie ridotte in via permanente. Lintervento rimarr
invece interamente a carico dellAssicurato in
tutti gli altri casi.
RIMBORSO SPESE DI PRIMA NECESSIT A SEGUITO DI FURTO DEL BAGAGLIO IN VIAGGIO
In caso lAssicurato subisca il furto del bagaglio riposto nella propria auto in viaggio
al di fuori della propria regione di residenza,
verranno rimborsati gli eventuali acquisti di
prima necessit preventivamente autorizzati dalla Centrale Operativa QR DOOD FRQFRUrenza del massimale di 200 per evento e
per anno assicurativo.
Non saranno indennizzati i danni:
DJHYRODWLGDGRORRFROSDJUDYHGHOO$VVLcurato o delle persone in viaggio con lui;
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della denuncia vistata dalle Autorit del
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tenente dettagliata descrizione dei beni

sottratti;
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LO YHLFROR XWLOL]]DWR GDOO$VVLFXUDWR XQD
volta lasciato incustodito non sia stato
regolarmente chiuso a chiave;
LOYHLFRORQRQVLDVWDWRSDUFKHJJLDWRGXrante le ore notturne, dalle ore 20.00 alle
7.00, in una autorimessa custodita.
ANTICIPO SPESE DI PRIMA NECESSIT
Qualora a seguito di sinistro lAssicurato debba sostenere delle spese impreviste e non
gli sia possibile provvedere direttamente e
immediatamente, verr effettuato il pagamento sul posto, per conto dellAssicurato, di
fatture QR D XQ LPSRUWR PDVVLPR GL
per sinistro. La prestazione verr erogata
a condizione che lAssicurato sia in grado di
fornire adeguata garanzia pecuniaria, tramiWHDVVHJQRRERQLFREDQFDULR
PROTEZIONE CARTE DI CREDITO, LIBRETTI DI
ASSEGNI, TRAVELLERS CHEQUES
Se lAssicurato, durante il viaggio al di fuori

della propria regione di residenza, smarrisce
o viene derubato della propria carta di credito, bancomat, libretto assegni e/o travellers
cheques, su sua richiesta telefonica, saranQR LQIRUPDWL JOL LVWLWXWL HPLWWHQWL DO QH GL
avviare la procedura necessaria per bloccare
i documenti rubati o smarriti. A tale scopo
lAssicurato deve confermare per iscritto a
mezzo fax alla Centrale Operativa, i numeri
LGHQWLFDWLYLGHLWLWROLGLFUHGLWRGDEORFFDUHH
lindirizzo degli istituti emittenti. La Centrale
Operativa provvede alla prima comunicazione telefonica ed alla successiva conferma a
mezzo fax o lettera raccomandata. Resta a
carico dellAssicurato il perfezionamento della procedura. La Centrale Operativa non
responsabile di errori dovuti a comunicazioni
inesatte ricevute dallAssicurato.
TRASMISSIONE MESSAGGI URGENTI
Qualora lAssicurato sia impossibilitato a comunicare con persone in Italia, la Centrale

Operativa simpegna, su richiesta dellAssicurato, a trasmettere loro i messaggi urgenti. Resta esclusa ogni responsabilit della
Centrale Operativa in merito al contenuto dei
messaggi.
INFORMAZIONI E CONSIGLI TELEFONICI
Qualora lAssicurato necessiti di informazioni

relative a: cliniche private, ospedali, centri
di pronto soccorso, centri sanitari appropriati per la cura di proprie affezioni, viabilit e
percorribilit autostrade e strade principali

extraurbane, tempo sulle strade, interruzioni
VWUDGDOL PRWHO DXWRJULOO RIFLQH DXWRVWUDdali, rifornimenti di carburante in autostrada, codice della strada, tassa di possesso,
normative RC Auto, imposta di propriet,
patente, carta di circolazione, modalit burocratiche inerenti a pratiche automobilistiche, traghetti, formalit per viaggi allestero,
itinerari, alberghi, ristoranti, musei potr rivolgersi alla Centrale Operativa che gli fornir telefonicamente tutte le informazioni
richieste.
CONSULENZA MEDICA
Qualora a seguito di infortunio lAssicurato necessiti di una consulenza medica, pu

mettersi in contatto direttamente o tramite
il proprio medico curante con i medici della
Centrale Operativa che valuteranno quale sia
la prestazione pi opportuna da effettuare in
suo favore.
INVIO DI UNAUTOAMBULANZA
Se, a seguito del ricovero di primo soccorso

per infortunio da incidente stradale, lAssicurato necessita di un trasferimento in autoambulanza, la Centrale Operativa procurer
ODPEXODQ]D SHU LO VXR WUDVIHULPHQWR QR DO
pi vicino centro medico ospedaliero specializzato nella cura della patologia insorta a seguito dellinfortunio.
RIMBORSO SPESE DI EMERGENZA
In caso di Infortunio automobilistico, qualora

lAssicurato necessiti di ricovero ospedaliero e/o di cure mediche di prima necessit,
la Centrale Operativa garantisce il rimborso
delle spese di ambulanza e pronto soccorso sostenute dallAssicurato per la cura delle
lesioni subite, QR D XQ PDVVLPR GL
per evento. Per usufruire della prestazione
lAssicurato deve fornire alla Centrale Operativa tutta la documentazione medica in suo
possesso in riferimento alla propria richiesta
di rimborso.
EMISSIONE DI UN TITOLO DI VIAGGIO PER UN
FAMILIARE
In caso di infortunio automobilistico con ricovero dellAssicurato superiore a 7 giorni, o

di suo decesso in seguito ad incidente automobilistico la Centrale Operativa metter a
disposizione di un parente un biglietto aereo
(classe turistica A/R) o ferroviario (1a classe
A/R) per recarsi sul posto.
TRADUZIONE DELLA CARTELLA CLINICA
Qualora lAssicurato, a seguito di infortunio
causato da incidente stradale nel quale sia

rimasto coinvolto il veicolo assicurato, necessiti del consulto con uno specialista straniero
ovvero del trasferimento in un istituto di cura
allestero, la Centrale Operativa provveder
alla traduzione della cartella clinica dellAssicurato e delleventuale diagnosi, tenendo a
proprio carico il relativo costo. LAssicurato
potr altres richiedere la traduzione in lingua italiana della cartella clinica rilasciata
dallistituto di cura straniero presso di cui
lAssicurato stesso abbia avuto la necessit
di ricoverarsi in seguito ad infortunio causato
da incidente stradale nel quale sia rimasto
coinvolto il veicolo assicurato.
INTERPRETE A DISPOSIZIONE
Qualora, in caso di fermo, di arresto o di

minaccia darresto dellAssicurato in seguito
ad incidente oppure in seguito ad infortunio,
lAssicurato stesso necessiti di un interprete,
la Centrale Operativa provveder ad inviarlo,
tenendo Genialloyd a proprio carico lonorario QRDXQPDVVLPRGLSHUHYHQWR.
RIMPATRIO/RIENTRO SANITARIO
Se, a seguito dinfortunio automobilistico,

le condizioni dellAssicurato in viaggio, accertate dalla guardia medica della Centrale
Operativa e dal medico curante sul posto,
richiedono il suo trasferimento in un centro
ospedaliero attrezzato vicino al domicilio
in Italia o al domicilio stesso dellAssicurato, la Centrale Operativa organizzer il trasferimento con il mezzo ritenuto pi idoneo
(aereo sanitario con quipe medica, aereo di
linea in classe turistica con eventuale barella, ambulanza, treno alloccorrenza in vagone letto o altro). Se necessario, lAssicurato
sar accompagnato da personale medico o
infermieristico. Laereo sanitario potr essere
utilizzato esclusivamente per i trasferimenti effettuati in Europa o per i rimpatri verso
lItalia dai Paesi che si affacciano sul bacino
del Mediterraneo. Genialloyd ha la facolt e il
diritto di richiedere allAssicurato leventuale
biglietto di viaggio non utilizzato.
ACCOMPAGNAMENTO MINORI
Qualora lAssicurato accompagnato da minori

di 15 anni si trovi nellimpossibilit di occuparsi di loro a causa di un infortunio conseguente ad un incidente stradale nel quale
sia rimasto coinvolto il veicolo assicurato, la
Centrale Operativa metter a disposizione di
un familiare convivente, residente in Italia,
un biglietto aereo (classe economica a/r) o
ferroviario (prima classe a/r), per consen-
tirgli di raggiungere i minori, prendersene

cura e ricondurli alla loro residenza in Italia.
Genialloyd terr a proprio carico il relativo
costo.
RIMPATRIO/RIENTRO AL COMUNE DI RESIDENZA
DELLA SALMA
La Centrale Operativa sincarica delladempimento di tutte le formalit sul posto e del

WUDVSRUWRQRDOOXRJRGLVHSROWXUDLQ,WDOLD
della salma dellAssicurato deceduto a seguito dinfortunio conseguente a un incidente
stradale nel quale sia rimasto coinvolto il
veicolo assicurato. Genialloyd terr a proprio
carico i relativi costi (comprese le spese del
feretro, in conformit con le norme internazionali). Sono escluse le spese della cerimonia funebre e dellinumazione. Qualora lassicurato avesse invece espresso il desiderio di
essere inumato sul posto, la Centrale Operativa provveder allorganizzazione.
PROTEZIONE PREMIO
Le prestazioni di seguito descritte sono offerte da Genialloyd. In caso di sinistro, il

Contraente tenuto a denunciare il sinistro
alla societ Financial Insurance Company
Limited, sita in Milano, Via San Gregorio n.
34, incaricata di gestire i sinistri per conto di
Genialloyd. Per le modalit di denuncia del
sinistro vedi la clausola 9.12 della sezione Il
Sinistro Obblighi e modalit di denuncia.
Sono assicurate le seguenti prestazioni:
,73,QYDOLGLWj7RWDOH3HUPDQHQWHGDLQfortunio o malattia;
,77 ,QDELOLWj 7RWDOH 7HPSRUDQHD GD LQfortunio o malattia la prestazione
operante solo se lo stato dinabilit totale temporanea si protrae per almeno
60 giorni consecutivi e a condizione che
al momento del sinistro il Contraente sia
lavoratore autonomo o dipendente pubblico;
',6 'LVRFFXSD]LRQH D VHJXLWR GL SHUGLta dimpiego involontaria la prestazione
operante solo se lo stato di disoccupazione si protrae per almeno 60 gioni
consecutivi, a condizione che al momento del sinistro il Contraente sia lavoratore
dipendente privato;
525LFRYHUR2VSHGDOLHURGDLQIRUWXQLRR
malattia la prestazione operante per
degenze pari o superiori a sette giorni di
ricovero, a condizione che al momento
del sinistro il Contraente sia non lavoratore.
Per ogni annualit assicurativa, lassicurazio-
QHqSUHVWDWDSHUXQXQLFRVLQLVWURYHULFDWRsi dopo la data di decorrenza del contratto e

nel periodo di validit della polizza.
Precisazioni sulloperativit delle prestazioni assicurate

AL QL GHOOD JDUDQ]LD ,73 VL SUHFLVD FKH OHvento assicurato il determinarsi di uninvalidit permanente superiore al 59%,
conseguente a infortunio o malattie oggettivamente accertabili, con perdita totale e
GHQLWLYD GHOOD FDSDFLWj GHO &RQWUDHQWH GL
VYROJHUHXQTXDOVLDVLODYRURSURFXRLQFDVR
dinvalidit da infortunio si far riferimento
alla tabella ANIA in appendice).
$L QL GHOOD JDUDQ]LD ,77 VL SUHFLVD FKH OHvento assicurato la perdita totale, in via
temporanea medicalmente accertata e documentata, della capacit del Contraente di
svolgere la propria attivit lavorativa a seguito di infortunio o malattia.
$LQLGHOODJDUDQ]LD',6VLSUHFLVDFKHOHvento assicurato lo stato di disoccupazione del Contraente conseguente alla perdita
dimpiego, riconducibile a una delle seguenti cause:
OLFHQ]LDPHQWRSHUJLXVWLFDWRPRWLYRRJgettivo (inerente alle attivit e organizzazione del lavoro dellazienda, non dipendente dalla condotta del lavoratore);
OLFHQ]LDPHQWRFRQVHJXHQWHDXQDSURFHdura di riduzione del personale, ivi inclusa la procedura di mobilit.
Il Sinistro indennizzabile qualora il Contraente, durante lo stato di disoccupazione, non
sia impegnato nello svolgimento di una qualsiasi attivit lavorativa di durata superiore
alle 15 ore settimanali che generi un reddito
di qualsiasi natura.
$L QL GHOOD JDUDQ]LD 52 VL SUHFLVD FKH OHvento assicurato la degenza del Contraente in Istituto di Cura, ininterrotta e con
pernottamento, resa necessaria a seguito di
infortunio o malattia per lesecuzione di accertamenti e/o terapie non eseguibili in day
hospital o in strutture ambulatoriali.
Indennizzo
In caso di sinistro, Genialloyd liquider al
Contraente un importo pari al premio complessivo del presente contratto di assicurazione, anche se frazionato semestralmente,
comprensivo di tutte le garanzie presenti in
polizza, delle imposte e del contributo al SSN,
entro il limite massimo di 1.500. Si precisa
che limporto liquidato quello dellannualit
in corso alla data di accadimento del sinistro.
Sono assicurabili esclusivamente i soggetti di

et compresa tra i 18 e 69 anni, residenti in
Italia che al momento delladesione alla copertura assicurativa si trovino in buono stato
di salute, ovvero non siano affetti da:
PDODWWLH FDUGLDFKH GLDEHWH HSDWLWH % H
C, cirrosi epatiche, cancro, HIV/AIDS;
PDODWWLHROHVLRQLFKHQHFHVVLWDQRWUDWWDmento medico regolare e continuato.
necessario inoltre che, nei 12 mesi precedenti alla data di decorrenza del contratto,
non siano stati assenti dallattivit professionale o lavorativa per periodo superiore a
30 giorni continuativi a causa di infortunio o
malattia.
Periodo di carenza operativit delle

garanzie
Nel primo anno di assicurazione la copertura assicurativa per le prestazioni in garanzia, sar operante solo dalle ore 24 del 60
giorno successivo alla data di decorrenza del
contratto.
Per le annualit successive, qualora il Contraente si sia avvalso della proroga del contratto oppure abbia stipulato un nuovo contratto per la medesima vettura con la stessa
decorrenza della polizza scaduta, la copertura assicurativa per i suddetti eventi sar operante dalle ore 24 del giorno di decorrenza
della polizza.
INTEGRAZIONE ALLAPPENDICE A1
CLAUSOLA BONUS MALUS
tariffa in vigore.
Il presente aggiornamento, che parte integrante al fascicolo informativo, ha lo scopo

GL HVSOLFLWDUH L FRHIFLHQWL GL SUHPLR FRUULspondenti alle diverse classi della scala Bonus Malus, i quali rappresentano le riduzioni
percentuali che limpresa riconosce automaticamente ad ogni rinnovo applicandoli alla
Classe di merito Genialloyd
&RHIFLHQWLGLSUHPLR
Classe di merito Genialloyd
&RHIFLHQWLGLSUHPLR
CLAUSOLA BONUS/MALUS AUTOVETTURE:
Formula tariffaria che prevede variazioni di

SUHPLR LQ UHOD]LRQH DO YHULFDUVL R PHQR GL
sinistri come rappresentato dalla seguente
tabella di riferimento:
S5
S4
S3
S2
S1
0,85
0,86
0,87
0,89
0,90
0,98
1,02
1,07
1,12
1,17
1,28
1,37
10
11
12
13
NI
14
15
16
17
18
1,43
1,50
1,58
1,67
1,80
1,90
1,95
2,79
3,52
5,39
6,61
8,46
CLAUSOLA 1.9 DURATA DEL CONTRATTO

E PROSECUZIONE DEL RAPPORTO ASSICURATIVO
Il seguente paragrafo sostituisce integralmente quello presente allinterno del fascicolo informativo.
DURATA E PROSECUZIONE DEL RAPPORTO ASSICURATIVO
Il contratto in essere ha durata annuale, non

prevede il tacito rinnovo e cessa alle ore 24
della data di scadenza indicata in polizza senza alcun ulteriore obbligo di comunicazione.
Tuttavia le garanzie della polizza saranno
RSHUDQWLQRDOOHRUHGHOJLRUQRVXFcessivo alla data di scadenza del Contratto.
Questa estensione di ulteriori 15 giorni viene
meno dalla data di effetto (data di decorrenza) di un eventuale nuovo contratto stipulato
con la stessa o diversa impresa a copertura
del medesimo rischio.

Fermo quanto sopra, Genialloyd si riserva di
inviare al Contraente, almeno 30 giorni prima della sua naturale scadenza, di anno in
anno, una proposta scritta di prosecuzione
del contratto per una ulteriore annualit, comunicando il premio da versare per la proroga della polizza. Tale premio sar determinato sulla base dei dati e delle informazioni
precedentemente acquisite, applicando alle
garanzie di polizza la tariffa e le condizioni
in vigore al momento della scadenza annuale, tenendo conto dellevoluzione della classe
di bonus/malus e del valore commerciale a
quella data attribuito al veicolo da Quattroruote. Pagando tale premio entro la scadenza del contratto in corso il Contraente accet-
ter la proposta di proroga e la durata del

contratto sar prolungata di un anno senza
altre formalit. Genialloyd, avuta notizia del
pagamento, invier subito al Contraente la
quietanza di pagamento (documento provvisorio di circolazione) e contestualmente via
SRVWD LO FHUWLFDWR FRQWUDVVHJQR GL DVVLFXrazione e la carta verde. La proroga e ogni
aggiornamento della polizza a essa inerente

non comporta novazione del contratto assicurativo. In ogni caso, il mancato pagamento
del premio relativo alla proroga comporter
la naturale cessazione della polizza alle ore
24 del 15 giorno successivo alla data di scadenza del Contratto senza ulteriori obblighi di
comunicazione.

Condizioni Contrattuali Autovett.

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6HUYL]LR&OLHQWL02 2805.

Prima della sottoscrizione leggere attentamente la Nota Informativa

Nota informativa e glossario dei termini assicurativi

La presente Nota Informativa redatta secondo lo schema predisposto dallISVAP. Il

mite il Contact Centre possibile calcolare

Informazioni sullimpresa di assicurazione

INFORMAZIONI SULLA SITUAZIONE

Informazioni sul Contratto

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DEL CONTRATTO ED EFFETTO

 (VFOXVLRQL FRPXQL D WXWWH OH JDUDQ]LH

Scoperto e minimo di scoperto  3HU

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GLWj SHUPDQHQWH ULFRQRVFLXWD DOO$VVLFXUDWR

SOGGETTI ESCLUSI DALLA GARANZIA DI

INFORMATIVA IN CORSO DI CONTRATTO

Informazioni sulle procedure liquidative e sui reclami

 5LFHYXWD OD FRPXQLFD]LRQH

RELATIVE ALLESERCIZIO DEL

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*HQLDOOR\G FRPXQLFD WHPSHVWLYDPHQWH DO

Glossario dei termini assicurativi

Condizioni Generali e Particolari di Assicurazione

Condizioni Generali (valide per tutte le garanzie)

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MODALIT DI SOTTOSCRIZIONE DEL

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Pagina 1 di 27 - Condizioni Generali e Particolari di Assicurazione Contratto di assicurazione per Autovetture

O PERDITA DEL POSSESSO

Pagina 2 di 27 - Condizioni Generali e Particolari di Assicurazione Contratto di assicurazione per Autovetture

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Pagina 3 di 27 - Condizioni Generali e Particolari di Assicurazione Contratto di assicurazione per Autovetture

FISCALI E REGIME FISCALE

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Condizioni particolari (valide per le singole garanzie)

Responsabilit Civile da circolazione in

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Pagina 4 di 27 - Condizioni Generali e Particolari di Assicurazione Contratto di assicurazione per Autovetture

VALIDE SOLO PER

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Pagina 5 di 27 - Condizioni Generali e Particolari di Assicurazione Contratto di assicurazione per Autovetture

2.6.1 DEFINIZIONE DELLA FORMA TARIFFARIA

2.6.6 SOSTITUZIONE DEL CONTRATTO

Pagina 6 di 27 - Condizioni Generali e Particolari di Assicurazione Contratto di assicurazione per Autovetture

PER SECONDA AUTO DI

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Pagina 7 di 27 - Condizioni Generali e Particolari di Assicurazione Contratto di assicurazione per Autovetture

3.4.1 ESCLUSIONI DELLA PRESTAZIONE PROTEZIONE PREMIO INCLUSA NELLA GARANZIA

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