1. Website Ownership
The website www.italiafideiussioni.it (hereinafter the «Website») is owned by:
Fideiussioni Assicurative S.r.l.s. – Sole Shareholder
Registered office: Via Alberto Tallone n. 84, 00123 Rome (RM)
Operational headquarters: Via Pier Capponi n. 87, 50132 Florence (FI)
VAT No.: 15444291007 – REA: RM – 1590905
E-mail: info@italiafideiussioni.it – PEC: fideiussioniassicurative@pec.it
Insurance intermediary registered in the Single Register of Insurance and Reinsurance Intermediaries (RUI) – Section A No. A000646940. The intermediary is subject to the supervision of IVASS.
Head of intermediation activity: Augusto Battisti – registered in the RUI Section A No. A000119133 since 04/05/2007.
2. Object and Function of the Website
The Website serves a supporting role to the insurance distribution activity carried out by the intermediary, pursuant to Art. 106 of Legislative Decree 209/2005 (Private Insurance Code) and Art. 2, paragraph 1, lett. q) of IVASS Regulation No. 40 of August 2, 2018.
Through the Website, the user can request information and quotes, transmit documentation, and receive informational and contractual documents. Requesting a quote is free of charge and non-binding.
3. The Website Does Not Allow the Conclusion of Online Contracts – Distance Sales via E-mail
This Website does not allow the conclusion of insurance or surety contracts directly online: there is no purchase or payment procedure that allows the user to independently conclude the contract through the Website.
Any eventual conclusion of the contract takes place at a distance through the channels indicated by the intermediary – specifically via e-mail and/or PEC – in compliance with the regulations on the distance marketing of consumer financial services (Section II-bis of the Consumer Code, Articles 59-bis et seq.).
In any case, the conclusion of the contract remains subject to the verification of documentation, risk assessment, and acceptance by the insurance company or the intermediary, according to their respective competence.
4. Pre-contractual Information
Before the conclusion of the contract, and on a durable medium (e-mail, PEC, or other medium permitted by law), the client receives, where applicable:
- The Single Pre-contractual Model (MUP);
- The Information Set, the DIP (Insurance Product Information Document), and the additional DIP;
- The General Insurance Conditions;
- The information notice on the processing of personal data;
- This «Terms and Conditions of Service» document.
5. Signature of Documents
The signing of documents can take place via handwritten signature, electronic signature, via OTP (One-Time Password), or through other methods permitted by law.
6. Payments
The payment of premiums or fees can be made via bank transfer, credit card, or other permitted payment instruments. Payment methods are communicated to the client prior to the conclusion of the contract.
7. Right of Withdrawal (Contracts Concluded at a Distance with Consumers)
For contracts concluded at a distance, the consumer – a natural person acting for purposes unrelated to their entrepreneurial or professional activity – has the right to withdraw within 14 calendar days from the date of the conclusion of the contract (or, if later, from the date on which they receive the contractual conditions and information), without penalties and without being obliged to state the reason. The period is extended to 30 days for contracts relating to life insurance and individual complementary pension forms. Withdrawal is exercised by written communication sent via PEC to fideiussioniassicurative@pec.it, or via registered mail with return receipt (Raccomandata A/R) to the operational headquarters, indicating the intention to withdraw and the details of the contract/policy. In the event of timely withdrawal, the consumer shall be refunded the unearned portion of the premium, without prejudice to the company’s right to retain the pro-rata premium for the period during which the contract was effective, in accordance with the Insurance Conditions.
Legal Exclusions: The right of withdrawal does not apply in the cases provided for by current regulations, including in particular:
- Travel and luggage insurance policies or similar short-term insurance policies with a duration of less than one month;
- Contracts fully executed by both parties at the explicit request of the consumer before the withdrawal is exercised;
- Financial services whose price depends on fluctuations in the financial market that cannot be controlled by the intermediary;
- Cases provided for by Art. 167-bis of the Private Insurance Code (for example, when, within the deadline for withdrawal, the policyholder requests the liquidation of the compensation or a claim occurs in a mandatory policy).
The methods and terms for exercising the right of withdrawal, as well as the relative exclusions, are in any case specified in the contractual documentation of each product. Legal references: Articles 59-bis et seq. of the Consumer Code and Art. 167-bis of the Private Insurance Code.
8. Recording of Telephone Communications
For organizational and service quality purposes, to protect the parties, and to fulfill regulatory obligations, telephone communications made or received by the intermediary may be recorded and stored, in compliance with current regulations on the protection of personal data. The user is informed of the recording in advance.
9. Processing of Personal Data
The processing of personal data is carried out in compliance with EU Regulation 2016/679 (GDPR) and current national legislation. The complete privacy policy regarding the processing of personal data is available in the dedicated section of the Website.
10. Intellectual Property
All content present on the Website – including text, images, trademarks, logos, photographs, documents, and graphics – is protected by copyright and industrial property laws. Any unauthorized reproduction, dissemination, or use is prohibited.
11. Limitation of Liability
The information contained on the Website is provided with the utmost care. However, Fideiussioni Assicurative S.r.l.s. does not guarantee the absence of material errors, omissions, or service interruptions and cannot be held liable for any damages arising from the use of the Website, except in cases provided for by law.
12. Amendments to These Conditions
Fideiussioni Assicurative S.r.l.s. reserves the right to amend these conditions at any time. The amendments shall be effective from the moment of their publication on the Website.
13. Applicable Law and Jurisdiction
These conditions are governed by Italian law. For any dispute, the court competent under current legislation shall have jurisdiction and, where applicable, the Consumer’s Court pursuant to the Consumer Code.