VASS Alert: Fake Guarantee Policies in Asito Kapital’s Name

IVASS reports two counterfeit guarantee policies in the name of S.C. Asito Kapital S.A. Learn how to spot them and protect yourself from fraud.

In recent months, there has been a real boom in fake guarantees, as explained in our in-depth analysis on how IVASS checks protect businesses and citizens from scams.

What IVASS Discovered

On October 20, 2025, IVASS—the Institute for the Supervision of Insurance—published an official press release to report the discovery of two counterfeit Fake/Counterfeit Guarantee Policies drafts.

These fake documents were intended for commercialisation and were issued in the name of the Romanian company S.C. Asito Kapital S.A., which immediately Disclaimed All Connection with them.

The alert launched by IVASS is serious: these policies appear regular but, in reality, offer no insurance coverage whatsoever. Essentially, buyers are scammed: they pay for a guarantee that has no legal value.

How Scammers Operate

The Asito Kapital case presents similar characteristics to other scams already analyzed in our article on how to recognize, avoid, and defend yourself from fake guarantees.

The mechanism is sophisticated and relies on digital deception.

Scammers pose as insurance intermediaries, send guarantee drafts seemingly issued by Asito Kapital, and use Fake E-mail Addresses to make everything appear more credible.

The addresses flagged by IVASS as non-authentic are:

• info@asitokapital.ro
  
  
• info@asitokapital.it
  
• asitokapital@pec-mail.it
  

These email accounts do not belong to the company and are used exclusively to confuse consumers. The emails often contain well-crafted quotes, logos, and documents to give an appearance of officialdom, highlighting the phenomenon of Digital Fraud/Counterfeiting.

Who is S.C. Asito Kapital S.A. and What is Their Position

S.C. Asito Kapital S.A. is an insurance company based in Romania, supervised by the Autoritatea de Supraveghere Financiară (the Romanian Financial Supervisory Authority).

The company is duly authorised to operate in Italy under the Freedom to Provide Services (LPS) regime in various non-life branches, including Branch 15 – Suretyship (Bonds).
Crucially, the company has clarified that it does not actively operate in this sector (Branch 15) in Italy.

This means that anyone proposing guarantee policies in Asito Kapital’s name in Italy is acting without authorisation.

This means that anyone proposing guarantee policies in Asito Kapital’s name in Italy is acting without authorisation. The company has collaborated with IVASS to expose the illicit use of its name and has denied any connection with the flagged policies and email addresses.

How to Verify if a Guarantee Policy is Authentic

Verifying the validity of a guarantee policy is simpler than it seems.

IVASS urges everyone—businesses, professionals, and private individuals—to always check the authenticity of insurance offers before signing or making any payment. This is the core of Consumer Caution/Vigilance.

Here are the essential checks:

1. Check the Company on www.ivass.it
   In the “Lists of Italian and Foreign Companies” section, you can verify if the company is authorised and if it can operate in the Suretyship branch.
   
2. Consult the Page Dedicated to Suretyship Companies
   This page also provides instructions for the online verification of policies.
   
3. Search for the Intermediary in the RUI (Single Register of Intermediaries)
   Only those registered in the RUI can propose or sell insurance products.
   
4. Check the List of Supervised Websites and Counterfeiting Cases
   IVASS constantly updates these lists, which flag unauthorised companies and irregular websites.
   
5. Check Official Alerts
   The list of scam and Digital Fraud/Counterfeiting cases is public and viewable online in the “Consumers – Protect” section of the IVASS website.
6. Contact the Insurance Company Directly
   
   

Write directly to the Company, but always take the contact details from the website of the supervisory authority of the country to which it belongs—in this case, the Romanian Supervisory Authority (ASF) website.

To better understand how to distinguish a genuine policy from a counterfeit one, it may be helpful to read the Visenta case: How to Recognize a Real Policy.

IVASS Advice for Consumers and Businesses

In the official statement, IVASS recommends:

• Always verify that quotes and contracts refer to authorised companies and intermediaries.
  
• Consult the official lists on the www.ivass.it website, where you can find:
  
  • List of companies permitted to operate in Italy.
    
  • Specific list of companies authorised for the Suretyship branch.
    
  • Single Register of Intermediaries (RUI).
    
  • List of regularly supervised websites.
    
  • Alerts on Digital Fraud/Counterfeiting cases and non-compliant websites.
    

For any doubt or suspicion, IVASS provides the Consumer Contact Centre at the toll-free number 800-486661 (active Monday to Friday, 8:30 AM to 2:30 PM, CEST).

The institute also urges media and sector operators to spread the news as widely as possible to protect users from new frauds.

What to Do if You Receive a Suspicious Policy

If you hold a guarantee policy and are unsure of its authenticity:

1. Do not sign or remit any money.
   
2. Keep all documentation received (emails, contracts, quotes).
   
3. Contact IVASS immediately at the toll-free number provided.
   
4. Verify with an expert. You can also request assistance from ItaliaFideiussioni.it, which offers free consultations to check the validity of policies.
   

Why Turn to ItaliaFideiussioni.it

ItaliaFideiussioni.it is a benchmark for those seeking genuine, secure, and legally compliant guarantee policies.
We work only with companies registered with IVASS and regularly authorised intermediaries, guaranteeing authentic and legally valid documents for tenders, leases, consular practices, and much more.

Turning to sector professionals means avoiding unpleasant surprises and protecting your business from scams and legal risks.

If you’d like to learn more about other cases of exposed scams and strategies to protect yourself, also read about the boom in fake sureties reported by IVASS and the Visenta case.

Frequently Asked Questions

How can I tell if a policy is fake?

Check the company and the intermediary on the IVASS website. If they do not appear in the lists, the policy is not valid.

Can Asito Kapital operate in Italy?

Yes, but it has stated that it does not actively operate in the Suretyship branch. Therefore, anyone selling policies in its name in Italy is unauthorised.

Who can I contact if I suspect a scam?

You can contact IVASS at the toll-free number 800-486661 or write to their press office. Alternatively, ItaliaFideiussioni.it can assist you in verifying and reporting the case.

Are online guarantee policies reliable?

Only if issued by authorised companies and through intermediaries registered in the RUI. Be wary of prices that are too low or excessively rapid timelines.

The Asito Kapital case demonstrates how easy it is to fall into the traps of Fake/Counterfeit Guarantee Policies, but also how simple it is to avoid them with the right checks.
IVASS continues to monitor and inform citizens, but the first line of defence remains awareness.

Checking, verifying, and relying on serious operators like ItaliaFideiussioni.it is the best way to protect yourself and your company.