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Direct answer: Italy’s compulsory motor layer is RCA; optional garanzie and home/life products sit on top—learn the floor before shopping add-ons.
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Motor
RCA (responsabilità civile auto) is compulsory. Optional garanzie add physical-damage and assistance covers.
Home
Fabbricato vs contenuto distinctions matter for owners and tenants.
Life assurance
Temporanea caso morte (term) is the common pure protection product.
What to do this week
- Treat RCA as the legal floor, then decide which optional garanzie you actually need.
- Keep fabbricato and contenuto sums separate when you renew.
- Confirm live rules with IVASS.
FAQ
- What is RCA?
- RCA is Italy’s compulsory motor third-party liability insurance. It is not automatically full physical-damage cover for your own car.