PRIMA Global Veicoli: "Sum up your safety" is the invitation chosen by SAI to identify the new range of insurance products to safeguard against risks associated with the circulation of cars, motorcycles and trucks. It also thinks about the safety of the people on board as well. On 1 November 2001, in the SAI offices, it was spumante all round: the occasion for this celebration was the birth of a new line of insurance products and services specially designed for the world of motor vehicles: PRIMA Global Veicoli (which joins the product line dedicated to the sailing world - PRIMA Global Natanti). A particularly important event that saw the light just seven years after the coming into effect of Civil Liability Motor Vehicle Insurance liberalisation and the consequent launching on the market by insurance companies of products no longer tied to the rates laid down by law.
The story so far: PRIMA vehicle insurance SAI's insurance turning point became a concrete reality on 1 July 1994 thanks to "PRIMA - vehicle insurance", a decidedly modern policy in terms of its traffic circulation risk evaluation criteria, the end of a long period of stability on this particular market, during which the insurance companies abided by the instructions from the Inter-ministerial Price Committee in their relations with the universe of insured motorists. In this scenario, SAI came out with a new-concept product which was and still is different in terms of the way the civil liability guarantee premium is calculated: no longer fiscal horse power or cubic capacity of the vehicle to be insured, but the marque, model and fittings and the gender, age and province of residence of the owner. In other words, all parameters which, thanks to the company's enormous databank, have made possible the study and processing of targeted and personalised rates. "Tell me what you drive, how you drive, where you drive and I'll tell you who you are" could be the motto for this type of approach. PRIMA Global Veicoli: image innovation This type of insurance product today counts a new proposal made by SAI to the increasingly tighter related man/car binomial: PRIMA Global Veicoli. An innovative choice, full of colour, highlighted by the logo the company has chosen to distinguish its product: a coloured ball, evoking numerous different meanings. PRIMA Global Veicoli is an insurance system where every macro-family of requirements finds solutions in three separate policy booklets: - PRIMA Global Civil Liability, protects against the damage the vehicle could cause to third parties; - PRIMA Global Risk Protection, to safeguard the vehicle and its occupants in every situation (combines all the different Car Civil Liability guarantees, such as for instance, Fire, Theft, etc.); - PRIMA Global Road Assistance, to receive, in case of an emergency, immediate help on any road in Europe and the countries of the Mediterranean. Three booklets to be kept, together with the policy, in a practical folder, along with the leaflet "Leggi e SAI", a collection of 32 queries and answers on car insurance. PRIMA Global Veicoli: innovation with respect to guarantees But the novelties continue as you glance through PRIMA Global Veicoli: clear and readable letters, well spaced lines; the chapter has been extended dedicated to Definitions, the fundamental vocabulary for understanding "who, how, where, when" the insurance works and, naturally, all the monetary figures expressed in Euro. Among the new aspects are: - the fact that the Company waives claiming against the driver in the event of the latter not being authorised to drive the vehicle due to licence expiry or licence not yet issued, as long as, subsequently, he/she is able to prove possession or renewal of the document or that this is due to be issued; - the extension, from three to five days, of the period within which the Insured party can report the accident; - the introduction of the principle of silence/disagreement, whereby the contracting party, upon annual expiry of the contract, is able not to renew this by either not paying the premium or explicit refusal, without any written notice being required. This way, the policy is automatically discontinued and ceases to have effect upon the established date of expiry (envisaging, to the client's advantage, the period of respite). A more detailed look shows that: PRIMA Global Civil Liability - the free extension of the Car Civil Liability guarantee to "Civil Liability of Passengers" in the event of the latter accidentally causing damage to other persons while the vehicle is being driven; the extension of the period of time, from six to twelve months, within which the contracting party who has had his/her vehicle stolen can maintain the class of merit acquired for another car, belonging to him/her, to be insured; PRIMA Global Risk Protection - the automatic updating of the insured capital, and relevant premium, to the sales values indicated in the Quattroruote magazine, so the Insured party is no longer obliged, every time he/she renews the policy, to change the car capital to be insured. A real service guarantee, to be chosen when taking out the policy, that eliminates the danger of overinsuring, and therefore spending more, or underinsuring one's car, and consequently receiving lower damages in case of an accident; - the introduction of two guarantee packages called Compact, as part of the Guarantees in addition to Car Civil Liability, Fire and Theft and the driver's Accident guarantee. Two excellent opportunities in terms of insurance coverage which respond to the requirements of those market segments which, though anxious to be insured, have a rather restricted expense budget. PRIMA Global Road Assistance This is one of the strong points of the SAI offer for the vehicle world: a complete and articulated series of services, to immediately receive assistance and help in case of an emergency following breakdowns, accidents and injuries. An extensive network of correspondents and professionals in the single operating areas, coordinated by the Operating Centre of the SAI Group, open around the clock every day of the year. This is split into three sections: - PRIMA Global - Global Road Assistance: the most complete formula for anyone wishing to travel in absolute safety, it provides all assistance solutions dedicated to cars, motorcycles or motorhomes and to occupants. A major feature is the "replacement car", the free rental of a car for up to five days in the event of an accident; - PRIMA Global - Compact Road Assistance: focused on vehicle assistance only, it comprises four guarantees (Towing, long-distance Towing, off-road Recovery and Assistance of a mechanic), the linchpin of the service; - PRIMA Global - Road Assistance for Trucks and Trailers: for those who use vehicles for professional purposes. Interesting is the extension of assistance, for trucks and trailers under 3500 kg in weight, also within the urban areas where the insured Company has its registered offices. PRIMA Global Veicoli is therefore above all safety. The insurance offering all road users, whether motorists, motorcyclists or haulage companies, answers to their insurance needs - protection of car capital, of occupants or the safeguarding of assets. (trad.Interpres-Giussano)