Property & Casualty — auto, home, commercial
Retail and SME P&C: motor TPL, kasko, home, business. Multi-tariff, traditional claims handling (CARD/CID, no-fault), treaty reinsurance, multi-channel distribution.
P&C retail and SME: configurable line, not historical focus
Property & Casualty is a supported line in configurable mode, not the platform's historical core domain. NewPicass 14.Net natively implements motor TPL, kasko, home, accident, commercial multi-risk with configurable tariffs, CARD/CID/no-fault claims handling, ANIA integration (BCM, SIC, Clearing House), multi-channel distribution (agents, brokers, bancassurance, online comparators). The platform is sized for high-concentration surety portfolios (tens of thousands of high-premium positions): for ultra-massive retail motor portfolios (millions of policies) a dedicated PoC is recommended to validate performance. Our relative strength in P&C is the multi-channel distribution (the platform handles complex intermediary networks) and the CARD/CID workflow for direct claims settlement.
Natively handled P&C lines
Motor TPL & kasko
Mandatory motor third-party liability + ancillary covers (kasko, theft, fire, natural events). ANIA BCM integration.
Home
Home multi-risk: fire, theft, water damage, householder's third-party liability, assistance, legal protection.
Accident
Individual or group accident policy: injury, permanent invalidity, temporary disability, medical-expense reimbursement.
Commercial multi-risk
SME: building fire, theft, business owner's TPL, business interruption, product liability. Sector tailoring.
Legal protection
Legal-expenses cover for disputes, standalone or ancillary. Expense fund management and panel lawyers.
Assistance
Assistance services (roadside, medical, home) integrated or standalone. Multi-vendor service hub.
Italian P&C players and mechanisms
How to operate this sector with the platform
Frequently asked questions on the P&C line
Is the platform suitable for mass retail motor (RCA)?
P&C is a configurable line on the platform. NewPicass 14.Net natively supports motor TPL, kasko, home, accident with configurable tariffs, CARD/CID/no-fault claims handling, ANIA integration (BCM claims database), bonus-malus class lookup. For ultra-massive portfolios (millions of policies) we recommend a dedicated PoC to validate performance: the platform is sized for high-concentration surety portfolios (tens of thousands of high-premium policies), not production-tested for retail motor portfolios of millions of positions.
How is the CARD/CID direct-settlement convention handled?
CARD (Italian Insurer Convention for Direct Settlement) regulates direct settlement to the damaged party (CID = amicable accident report). The claims module handles: claim intake from the damaged party, liability check from CID form, indemnity calculation with ANIA tables (macro/micro injuries), direct payment, recovery from the counterparty's insurer. Integration with ANIA SIC Clearing House for inter-insurer settlement.
Do you handle treaty reinsurance for P&C?
Yes. P&C is typically reinsured with surplus treaties (capacity for large risks above retention) and CAT XL (catastrophic events like earthquake, flood). The reinsurance module handles cession calculation, automatic treaty allocation, quarterly BDX generation, technical accounts (ceded premiums, ceded claims, commissions). Reporting for cedent and reinsurers.
Do you have multi-channel distribution (bancassurance, agents, brokers)?
Yes. Multi-channel distribution is handled by the distribution network portal: agents, brokers, sub-agents, bancassurance agreements, online comparators. Each channel has access profiles, dedicated tariffs, differentiated commissions, non-accumulation rules, performance dashboards. Producer onboarding with IVASS RUI A/B/E roll verification.
Can automatic online quoting be configured for retail?
Yes. NewPicass 14.Net exposes REST APIs for real-time quoting consumable by: insured portal (self-service quoter), online comparators, agents via tablet/mobile, bancassurance partners. Configurable tariffs with rules, discounts, cross-selling, upselling. Output: detailed premium + pre-contractual documents (IPID, information set) for IVASS compliance.
How is automatic renewal of annual motor policies handled?
Italian motor TPL has automatic renewal banned since 2013 (D.L. 1/2012 "Salva Italia"): the policy expires without auto-renewal unless explicitly confirmed. NewPicass 14.Net handles: renewal notice 30 days prior (IVASS obligation), new-period quote, possible tariff variation, insured confirmation with electronic signature (FEA/FEQ), new-certificate issuance. Expiring-policy tracking with agent escalation.
See NewPicass 14.Net configured for P&C
45 minutes with one of our engineers. We show you the platform with workflows, tariffs and policies typical of this line — not a generic demo.