{"id":11574,"date":"2025-10-11T08:39:55","date_gmt":"2025-10-11T08:39:55","guid":{"rendered":"https:\/\/www.italiafideiussioni.it\/?p=11574"},"modified":"2026-03-27T05:44:11","modified_gmt":"2026-03-27T05:44:11","slug":"italian-supreme-court-2025-rejects-the-on-first-demand-clause-what-changes-for-surety-bonds","status":"publish","type":"post","link":"https:\/\/www.italiafideiussioni.it\/en\/italian-supreme-court-2025-rejects-the-on-first-demand-clause-what-changes-for-surety-bonds\/","title":{"rendered":"Italian Supreme Court 2025 Rejects the &#8220;On First Demand&#8221; Clause: What Changes for Surety Bonds<br>"},"content":{"rendered":"<div class=\"gb-container gb-container-55c85d99\">\n<style>.kb-table-of-content-nav.kb-table-of-content-id11560_a38f4c-29 .kb-table-of-content-wrap{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);}.kb-table-of-content-nav.kb-table-of-content-id11560_a38f4c-29 .kb-table-of-contents-title-wrap{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kb-table-of-content-nav.kb-table-of-content-id11560_a38f4c-29 .kb-table-of-contents-title{font-weight:regular;font-style:normal;}.kb-table-of-content-nav.kb-table-of-content-id11560_a38f4c-29 .kb-table-of-content-wrap .kb-table-of-content-list{color:#00397d;font-size:1.2em;line-height:30px;font-weight:regular;font-style:normal;margin-top:var(--global-kb-spacing-sm, 1.5rem);margin-right:0px;margin-bottom:0px;margin-left:0px;}.kb-table-of-content-nav.kb-table-of-content-id11560_a38f4c-29 .kb-table-of-content-wrap .kb-table-of-content-list .kb-table-of-contents__entry:hover{color:#3bbff0;}@media all and (max-width: 767px){.kb-table-of-content-nav.kb-table-of-content-id11560_a38f4c-29 .kb-table-of-content-wrap .kb-table-of-content-list{font-size:1em;}}<\/style>\n<\/div><style>.wp-block-kadence-spacer.kt-block-spacer-11560_8ae663-6d .kt-block-spacer{height:60px;}.wp-block-kadence-spacer.kt-block-spacer-11560_8ae663-6d .kt-divider{border-top-width:1px;height:1px;border-top-color:#eee;width:80%;border-top-style:solid;}<\/style>\n<div class=\"wp-block-kadence-spacer aligncenter kt-block-spacer-11560_8ae663-6d\"><div class=\"kt-block-spacer kt-block-spacer-halign-center\"><hr class=\"kt-divider\"\/><\/div><\/div>\n\n<h3 class=\"gb-headline gb-headline-f275686b gb-headline-text\"><b>What the Supreme Court Established<\/b><\/h3>\n\n<p><span style=\"font-weight: 400;\">The Italian Supreme Court, with Ordinance No. 14687 of 2025, established a significant principle for those entering into surety bond contracts. The &#8220;on first demand&#8221; clause may be declared null for being unfair if it waives the six-month term provided by Article 1957 of the Italian Civil Code.  <\/span><\/p>\n\n<p><span style=\"font-weight: 400;\">This means that when a surety bond contract obliges the guarantor to pay immediately upon the creditor&#8217;s simple request, without respecting the time limits set by law, the clause is considered unbalanced and therefore null.<br\/><\/span><\/p>\n\n<p><span style=\"font-weight: 400;\">The Supreme Court reiterated that the six-month term under Article 1957 of the Civil Code is a fundamental protection for the guarantor and cannot be arbitrarily eliminated. In the absence of genuine negotiation, the &#8220;on first demand&#8221; clause is deemed unfair and must be annulled.<br\/>  <\/span><\/p>\n<style>.wp-block-kadence-spacer.kt-block-spacer-11560_78be7a-93 .kt-block-spacer{height:60px;}.wp-block-kadence-spacer.kt-block-spacer-11560_78be7a-93 .kt-divider{border-top-width:1px;height:1px;border-top-color:#eee;width:80%;border-top-style:solid;}<\/style>\n<div class=\"wp-block-kadence-spacer aligncenter kt-block-spacer-11560_78be7a-93\"><div class=\"kt-block-spacer kt-block-spacer-halign-center\"><hr class=\"kt-divider\"\/><\/div><\/div>\n\n<h3 class=\"gb-headline gb-headline-770eab94 gb-headline-text\"><b>The Issue of Waiving the Six-Month Term<\/b><\/h3>\n\n<p><span style=\"font-weight: 400;\">Article 1957 of the Italian Civil Code stipulates that the creditor must take action against the guarantor within six months from the due date of the principal obligation. If they fail to do so, they lose the right to demand payment.<br\/> <\/span><\/p>\n\n<p><span style=\"font-weight: 400;\">This term is designed to prevent the guarantor from being exposed indefinitely to the risk of having to pay. However, in many banking and insurance surety bonds, an &#8220;on first demand&#8221; clause is included, allowing the creditor to demand immediate payment, even years later.<br\/> <\/span><\/p>\n\n<p><span style=\"font-weight: 400;\">According to the Supreme Court, this waiver creates a clear imbalance between the parties and violates the guarantor&#8217;s rights. If the clause was not subject to individual negotiation but was simply imposed through a standard form, it is null for being unfair.<br\/> <\/span><\/p>\n\n<p><span style=\"font-weight: 400;\">In other words, no bank or insurance company can claim to eliminate the temporal protection provided by Article 1957 of the Civil Code.<br\/> <\/span><\/p>\n<style>.wp-block-kadence-spacer.kt-block-spacer-11560_e34083-30 .kt-block-spacer{height:60px;}.wp-block-kadence-spacer.kt-block-spacer-11560_e34083-30 .kt-divider{border-top-width:1px;height:1px;border-top-color:#eee;width:80%;border-top-style:solid;}<\/style>\n<div class=\"wp-block-kadence-spacer aligncenter kt-block-spacer-11560_e34083-30\"><div class=\"kt-block-spacer kt-block-spacer-halign-center\"><hr class=\"kt-divider\"\/><\/div><\/div>\n\n<h3 class=\"gb-headline gb-headline-d496b9f2 gb-headline-text\"><b>Practical Effects for Guarantor and Creditor<\/b><\/h3>\n\n<p><span style=\"font-weight: 400;\">When the &#8220;on first demand&#8221; clause is declared null, the rules of Article 1957 fully apply. The creditor can no longer demand immediate payment at any time but must respect the six-month term.<br\/> <\/span><\/p>\n\n<p><span style=\"font-weight: 400;\">The guarantor, on the other hand, can invoke the nullity of the clause and demand that the legal framework be applied. The surety bond contract remains valid, but without the unfair part.<br\/> <\/span><\/p>\n\n<p><span style=\"font-weight: 400;\">This principle applies to both banking and insurance surety bonds, which are widely used by companies in public tenders or for guarantees related to advances and contractual obligations.<br\/><\/span><\/p>\n\n<p><span style=\"font-weight: 400;\">For businesses, the Supreme Court\u2019s ruling represents significant protection: the guarantee cannot be transformed into an unlimited commitment over time.<br\/><\/span><\/p>\n<style>.wp-block-kadence-spacer.kt-block-spacer-11560_f5b331-e2 .kt-block-spacer{height:60px;}.wp-block-kadence-spacer.kt-block-spacer-11560_f5b331-e2 .kt-divider{border-top-width:1px;height:1px;border-top-color:#eee;width:80%;border-top-style:solid;}<\/style>\n<div class=\"wp-block-kadence-spacer aligncenter kt-block-spacer-11560_f5b331-e2\"><div class=\"kt-block-spacer kt-block-spacer-halign-center\"><hr class=\"kt-divider\"\/><\/div><\/div>\n\n<h3 class=\"wp-block-heading\"><b>Relationship with Other Rulings<\/b><\/h3>\n\n<p><span style=\"font-weight: 400;\">For years, case law has debated the distinction between a surety bond and an autonomous guarantee contract. Some past rulings held that the presence of an &#8220;on first demand&#8221; clause was sufficient to make the guarantee autonomous, i.e., independent of the principal debt. <\/span><\/p>\n\n<p><span style=\"font-weight: 400;\">Other rulings, however, argued that this clause alone is not enough to change the nature of the contract. The guarantor must still be able to raise the defenses provided by law. <\/span><\/p>\n\n<p><span style=\"font-weight: 400;\">With Ordinance No. 14687\/2025, the Supreme Court definitively clarifies that the six-month term under Article 1957 of the Civil Code cannot be waived without falling into nullity for unfairness. <\/span><\/p>\n\n<p><span style=\"font-weight: 400;\">This decision sets a definitive precedent in the debate and imposes greater balance in guarantee contracts, protecting the guarantor and promoting transparency in the financial market.<\/span><\/p>\n<style>.wp-block-kadence-spacer.kt-block-spacer-11560_86d52c-8d .kt-block-spacer{height:60px;}.wp-block-kadence-spacer.kt-block-spacer-11560_86d52c-8d .kt-divider{border-top-width:1px;height:1px;border-top-color:#eee;width:80%;border-top-style:solid;}<\/style>\n<div class=\"wp-block-kadence-spacer aligncenter kt-block-spacer-11560_86d52c-8d\"><div class=\"kt-block-spacer kt-block-spacer-halign-center\"><hr class=\"kt-divider\"\/><\/div><\/div>\n\n<h3 class=\"wp-block-heading\"><b>What Changes for Those Who Signed a Surety Bond<br\/><\/b><\/h3>\n\n<p><span style=\"font-weight: 400;\">Those who have signed a surety bond containing an &#8220;on first demand&#8221; clause should carefully review the contract. If the clause allows the creditor to demand payment at any time without respecting the six-month term, it is potentially null.<br\/> <\/span><\/p>\n\n<p><span style=\"font-weight: 400;\">In this case, the guarantor can request a declaration of nullity and ensure that the creditor complies with the legal time limits.<br\/><\/span><\/p>\n\n<p><span style=\"font-weight: 400;\">For businesses, this means that an insurance surety bond signed for participating in a public tender or securing an advance cannot include clauses that eliminate the time limits set by the Civil Code.<br\/><\/span><\/p>\n\n<p><span style=\"font-weight: 400;\">This principle also applies to individuals who sign surety bonds related to loans or lease agreements: the six-month term is a protection that cannot be removed.<br\/><\/span><\/p>\n<style>.wp-block-kadence-spacer.kt-block-spacer-11560_41033c-50 .kt-block-spacer{height:60px;}.wp-block-kadence-spacer.kt-block-spacer-11560_41033c-50 .kt-divider{border-top-width:1px;height:1px;border-top-color:#eee;width:80%;border-top-style:solid;}<\/style>\n<div class=\"wp-block-kadence-spacer aligncenter kt-block-spacer-11560_41033c-50\"><div class=\"kt-block-spacer kt-block-spacer-halign-center\"><hr class=\"kt-divider\"\/><\/div><\/div>\n\n<h3 class=\"gb-headline gb-headline-2ef43886 gb-headline-text\"><b>Role of Associations and Possible Protections<\/b><\/h3>\n\n<p><span style=\"font-weight: 400;\">Consumer protection associations and specialized organizations can assist citizens and businesses in verifying the fairness of signed surety bonds.<br\/><\/span><\/p>\n\n<p><span style=\"font-weight: 400;\">In particular, they can:<br\/><\/span><\/p>\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Provide preliminary information on the risks of unfair clauses;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Assist in drafting objections or appeals;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Report widespread unfair practices to supervisory authorities.<\/span><\/li>\n<\/ul>\n\n<p><span style=\"font-weight: 400;\">For those who have signed a surety bond with an &#8220;on first demand&#8221; clause, it is advisable to request a full copy of the contract and consult a lawyer or expert in guarantee law to assess the possibility of invoking nullity.<br\/><\/span><\/p>\n<style>.wp-block-kadence-spacer.kt-block-spacer-11560_c6aa13-c0 .kt-block-spacer{height:60px;}.wp-block-kadence-spacer.kt-block-spacer-11560_c6aa13-c0 .kt-divider{border-top-width:1px;height:1px;border-top-color:#eee;width:80%;border-top-style:solid;}<\/style>\n<div class=\"wp-block-kadence-spacer aligncenter kt-block-spacer-11560_c6aa13-c0\"><div class=\"kt-block-spacer kt-block-spacer-halign-center\"><hr class=\"kt-divider\"\/><\/div><\/div>\n\n<h3 class=\"gb-headline gb-headline-879bcd9b gb-headline-text\"><b>Frequently Asked Questions About the Nullity of the &#8220;On First Demand&#8221; Clause<\/b><\/h3>\n<style>.kt-accordion-id11560_12eb92-9f .kt-accordion-inner-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:8px;}.kt-accordion-id11560_12eb92-9f .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;background:#ffffff;padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);}.kt-accordion-id11560_12eb92-9f > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{border-top:0px solid #f2f2f2;border-right:0px solid #f2f2f2;border-bottom:4px solid #f2f2f2;border-left:0px solid #f2f2f2;border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;background:#ffffff;color:#444444;padding-top:14px;padding-right:10px;padding-bottom:6px;padding-left:16px;}.kt-accordion-id11560_12eb92-9f:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id11560_12eb92-9f:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap .kt-blocks-accordion-icon-trigger:before{background:#444444;}.kt-accordion-id11560_12eb92-9f:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger{background:#444444;}.kt-accordion-id11560_12eb92-9f:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id11560_12eb92-9f:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger:before{background:#ffffff;}.kt-accordion-id11560_12eb92-9f > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-id11560_12eb92-9f .kt-blocks-accordion-header:focus-visible{color:#444444;background:#ffffff;border-top-color:#eeeeee;border-top-style:solid;border-right-color:#eeeeee;border-right-style:solid;border-bottom-color:#eeeeee;border-bottom-style:solid;border-left-color:#eeeeee;border-left-style:solid;}.kt-accordion-id11560_12eb92-9f:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id11560_12eb92-9f:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:before, body:not(.hide-focus-outline) .kt-accordion-id11560_12eb92-9f:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion--visible .kt-blocks-accordion-icon-trigger:after, body:not(.hide-focus-outline) .kt-accordion-id11560_12eb92-9f:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:before{background:#444444;}.kt-accordion-id11560_12eb92-9f:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger, body:not(.hide-focus-outline) .kt-accordion-id11560_12eb92-9f:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger{background:#444444;}.kt-accordion-id11560_12eb92-9f:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id11560_12eb92-9f:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:before, body:not(.hide-focus-outline) .kt-accordion-id11560_12eb92-9f:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:after, body:not(.hide-focus-outline) .kt-accordion-id11560_12eb92-9f:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:before{background:#ffffff;}.kt-accordion-id11560_12eb92-9f .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id11560_12eb92-9f > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active{color:#333333;background:#ffffff;border-top-color:#0e9cd1;border-top-style:solid;border-right-color:#0e9cd1;border-right-style:solid;border-bottom-color:#0e9cd1;border-bottom-style:solid;border-left-color:#0e9cd1;border-left-style:solid;}.kt-accordion-id11560_12eb92-9f:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id11560_12eb92-9f:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:before{background:#333333;}.kt-accordion-id11560_12eb92-9f:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger{background:#333333;}.kt-accordion-id11560_12eb92-9f:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id11560_12eb92-9f:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:before{background:#ffffff;}@media all and (max-width: 1024px){.kt-accordion-id11560_12eb92-9f .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;}}@media all and (max-width: 1024px){.kt-accordion-id11560_12eb92-9f > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{border-top:0px solid #f2f2f2;border-right:0px solid #f2f2f2;border-bottom:4px solid #f2f2f2;border-left:0px solid #f2f2f2;}}@media all and (max-width: 1024px){.kt-accordion-id11560_12eb92-9f > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-id11560_12eb92-9f .kt-blocks-accordion-header:focus-visible{border-top-color:#eeeeee;border-top-style:solid;border-right-color:#eeeeee;border-right-style:solid;border-bottom-color:#eeeeee;border-bottom-style:solid;border-left-color:#eeeeee;border-left-style:solid;}}@media all and (max-width: 1024px){.kt-accordion-id11560_12eb92-9f .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id11560_12eb92-9f > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active{border-top-color:#0e9cd1;border-top-style:solid;border-right-color:#0e9cd1;border-right-style:solid;border-bottom-color:#0e9cd1;border-bottom-style:solid;border-left-color:#0e9cd1;border-left-style:solid;}}@media all and (max-width: 767px){.kt-accordion-id11560_12eb92-9f .kt-accordion-inner-wrap{display:block;}.kt-accordion-id11560_12eb92-9f .kt-accordion-inner-wrap .kt-accordion-pane:not(:first-child){margin-top:8px;}.kt-accordion-id11560_12eb92-9f .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;}.kt-accordion-id11560_12eb92-9f > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{border-top:0px solid #f2f2f2;border-right:0px solid #f2f2f2;border-bottom:4px solid #f2f2f2;border-left:0px solid #f2f2f2;}.kt-accordion-id11560_12eb92-9f > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-id11560_12eb92-9f .kt-blocks-accordion-header:focus-visible{border-top-color:#eeeeee;border-top-style:solid;border-right-color:#eeeeee;border-right-style:solid;border-bottom-color:#eeeeee;border-bottom-style:solid;border-left-color:#eeeeee;border-left-style:solid;}.kt-accordion-id11560_12eb92-9f .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id11560_12eb92-9f > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active{border-top-color:#0e9cd1;border-top-style:solid;border-right-color:#0e9cd1;border-right-style:solid;border-bottom-color:#0e9cd1;border-bottom-style:solid;border-left-color:#0e9cd1;border-left-style:solid;}}<\/style>\n<div class=\"wp-block-kadence-accordion alignnone\"><div class=\"kt-accordion-wrap kt-accordion-id11560_12eb92-9f kt-accordion-has-6-panes kt-active-pane-0 kt-accordion-block kt-pane-header-alignment-left kt-accodion-icon-style-none kt-accodion-icon-side-right\" style=\"max-width:none\"><div class=\"kt-accordion-inner-wrap\" data-allow-multiple-open=\"false\" data-start-open=\"0\">\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-1 kt-pane11560_64a164-71\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\"><b>What is the novelty introduced by the Supreme Court with Ordinance No. 14687\/2025?<br> <\/b><\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p><span style=\"font-weight: 400;\"> The Court established that the &#8220;on first demand&#8221; clause is null for unfairness if it waives the six-month term under Article 1957 of the Civil Code, creating an imbalance to the detriment of the guarantor.<br\/><\/span><\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-2 kt-pane11560_0857d2-09\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\"><b>What does Article 1957 of the Civil Code provide?<br><\/b><\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p><span style=\"font-weight: 400;\">The creditor must take action against the guarantor within six months from the due date of the principal obligation. If they fail to do so, they lose the right to act.<br\/> <\/span><\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-3 kt-pane11560_db3203-6a\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\"><b><b>What happens if the clause is declared null?<br><\/b><\/b><\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"> The contract remains valid, but without the unfair clause. The creditor must respect the six-month term, and the guarantor can oppose immediate payment.<br\/> <\/span><\/span><\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-4 kt-pane11560_a0affd-82\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\"><b><b><b>Does the &#8220;on first demand&#8221; clause transform a surety bond into an autonomous guarantee contract?<\/b><\/b><\/b><\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"> No. The Supreme Court clarifies that the &#8220;on first demand&#8221; clause alone does not change the legal nature of the contract.<br\/> <\/span><\/span><\/span><\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-5 kt-pane11560_34a741-e2\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\"><b><b><b><b>What can those who signed a surety bond with this clause do?<br><\/b><\/b><\/b><\/b><\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">They can request complete documentation, verify the presence of the clause, and consult a professional or consumer association to assess nullity<\/span><\/span><\/span><\/span><\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div>\n\n<p><span style=\"font-weight: 400;\">The Supreme Court\u2019s 2025 ruling sets a definitive precedent in the field of surety bonds. The &#8220;on first demand&#8221; clause, if it eliminates or modifies the six-month term provided by Article 1957 of the Civil Code, is null for unfairness.<br\/> <\/span><\/p>\n\n<p><span style=\"font-weight: 400;\">The creditor must comply with legal time limits, while the guarantor has the right to oppose and demand the application of the legal framework.<br\/><\/span><\/p>\n\n<p><span style=\"font-weight: 400;\">For businesses and individuals, this decision ensures contractual balance and serves as a reminder to always carefully review insurance surety bonds before signing.<br\/><\/span><\/p>\n<style>.wp-block-kadence-spacer.kt-block-spacer-11560_260d90-ae .kt-block-spacer{height:60px;}.wp-block-kadence-spacer.kt-block-spacer-11560_260d90-ae .kt-divider{border-top-width:1px;height:1px;border-top-color:#eee;width:80%;border-top-style:solid;}<\/style>\n<div class=\"wp-block-kadence-spacer aligncenter kt-block-spacer-11560_260d90-ae\"><div class=\"kt-block-spacer kt-block-spacer-halign-center\"><hr class=\"kt-divider\"\/><\/div><\/div>\n<div class=\"gb-container gb-container-00885037\">\n<style>.wp-block-kadence-advancedheading.kt-adv-heading7425_6516f2-57, .wp-block-kadence-advancedheading.kt-adv-heading7425_6516f2-57[data-kb-block=\"kb-adv-heading7425_6516f2-57\"]{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);text-align:center;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading7425_6516f2-57 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading7425_6516f2-57[data-kb-block=\"kb-adv-heading7425_6516f2-57\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading7425_6516f2-57 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading7425_6516f2-57[data-kb-block=\"kb-adv-heading7425_6516f2-57\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-heading7425_6516f2-57 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading7425_6516f2-57\">Contact us directly online <strong>for an immediate response<\/strong>, <a href=\"https:\/\/www.italiafideiussioni.it\/en\/sedi\/\">or call one of our nearest offices<\/a>. <strong>Tel. <a href=\"tel:+39055285313\">+39 055 28.53.13 <\/a> \u2013Tel. <a href=\"tel:+390266712417\">+39 02 667.124.17<\/a><\/strong> <br><strong>Email : <a>info@italiafideiussioni.it<\/a><\/strong><\/h3>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading7425_a9c7ba-91, .wp-block-kadence-advancedheading.kt-adv-heading7425_a9c7ba-91[data-kb-block=\"kb-adv-heading7425_a9c7ba-91\"]{padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);text-align:center;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading7425_a9c7ba-91 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading7425_a9c7ba-91[data-kb-block=\"kb-adv-heading7425_a9c7ba-91\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading7425_a9c7ba-91 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading7425_a9c7ba-91[data-kb-block=\"kb-adv-heading7425_a9c7ba-91\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-heading7425_a9c7ba-91 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading7425_a9c7ba-91\">You can also contact us via<img decoding=\"async\" width=\"33\" height=\"32\" class=\"alignnone wp-image-1056\" src=\"https:\/\/www.italiafideiussioni.it\/wp-content\/uploads\/2015\/04\/WhatsApp_Logo_6.png\" alt=\"\"> <strong><a href=\"https:\/\/wa.me\/+393397150157\" target=\"_blank\" rel=\"noreferrer noopener\">WhatsApp: +39 339 71.50.157<\/a><\/strong> send a message, and we will respond during office hours, <strong>within 5 minutes.<\/strong><\/h3>\n\n<\/div>\n<p>\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"<p>What the Supreme Court Established The Italian Supreme Court, with Ordinance No. 14687 of 2025, established a significant principle for those entering into surety bond contracts. The &#8220;on first demand&#8221; clause may be declared null for being unfair if it waives the six-month term provided by Article 1957 of the Italian Civil Code. This means [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":11565,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_yoast_wpseo_focuskw":"","_yoast_wpseo_title":"Invalidity of the \"first demand\" clause in a surety bond: new provisions from the 2025 Supreme Court.","_yoast_wpseo_metadesc":"The Court of Cassation in 2025 declared the \"first demand\" clause in sureties null and void if it derogates from the six-monthly deadline set out in Article 1957 of the Civil Code.","_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"","_yoast_wpseo_opengraph-title":"","_yoast_wpseo_opengraph-description":"","_yoast_wpseo_opengraph-image":"","_yoast_wpseo_opengraph-image-id":"","_yoast_wpseo_twitter-title":"","_yoast_wpseo_twitter-description":"","_yoast_wpseo_twitter-image":"","footnotes":""},"categories":[92],"tags":[],"class_list":["post-11574","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"acf":false,"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Invalidity of the &quot;first demand&quot; 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