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Free loan agreement for a vehicle (comodato) (Italy)

Vehicles
Italiano
Italy
Contract
Print & sign
2 pages · 0 sold

Published byDocMuse

This document is in Italian

The PDF you download is in Italian — that is the language it has to be filed in, so it is not translated. Everything on this page is here to tell you what it says.

For an owner lending a car or motorbike free of charge to a relative, friend or colleague in Italy: an Italian contract covering the vehicle, duration, permitted use, costs, insurance, fines and return (arts. 1803–1812 of the Italian Civil Code). If the loan exceeds 30 consecutive days, the borrower must ask the Motorizzazione within 30 days to record the borrower's name on the Documento Unico (art. 94(4-bis) of the Highway Code), unless a cohabiting family member; the contract states this duty, but the entry is a separate step. Signed by both; a copy is best kept in the vehicle.

  • Made for use in Italy
  • Last updated October 14, 2026

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When to use this document

  • You are lending your car to a relative in Italy for a few months and want it in writing who pays the fines.
  • Your son will drive your car in another town and you want to settle what happens after an accident.
  • A friend will use your motorbike over the summer and you want it back in the same condition.
  • You need a free car loan agreement to keep in the vehicle.

What you fill in

The details the document asks for.

  • Owner lending the vehicle (comodante)
  • Lending owner's codice fiscale (Italian tax code)
  • Lending owner's address
  • Person borrowing the vehicle (comodatario)
  • Borrower's codice fiscale (Italian tax code)
  • Borrower's address
  • Licence number
  • Make and model
  • Registration plate
  • Chassis number
  • Permitted use
  • Term from
  • Term to
  • Where the car is to be returned
  • Insurer
  • Policy number
  • City
  • Date

Common questions

When must a car loan be recorded on the Documento Unico in Italy?
When someone other than the owner has the vehicle for more than 30 consecutive days: within 30 days the borrower asks the Motorizzazione, also through an STA desk, to record the borrower's name (art. 94(4-bis) of the Italian Highway Code and art. 247-bis of its regulation). The transport ministry made clear in 2014 that a cohabiting family member is exempt. Without the entry there is a fine and the registration document can be withdrawn. The contract proves the loan, but the entry has to be requested separately.
Who pays the fines incurred with a car lent under a comodato in Italy?
The ticket goes to the owner, who is jointly liable by law with the driver. The contract makes the borrower answerable for offences committed during the loan and obliges the borrower to repay the owner whatever the owner has paid. For offences that carry penalty points, the owner gives the borrower's details as driver within 60 days of service (art. 126-bis of the Italian Highway Code); otherwise the owner receives a separate fine for failing to do so.
Does the insurance cover the person driving a car borrowed under a comodato in Italy?
Compulsory motor insurance follows the vehicle, but many policies have exclusive-driver or experienced-driver clauses that reduce or exclude cover, or give the insurer a right of recovery, when someone else drives. Before lending the car it is worth reading the policy and, if needed, asking the insurer to extend it. In the contract the owner states that the policy allows the borrower to drive; disputes over a comodato first go through compulsory mediation in Italy.

How you can sign this document

  • Print it and sign by hand. The signature lines in the document are left blank on purpose — sign on them in ink.
  • Sign it yourself with a qualified electronic signature. If you already hold a QES — Evrotrust, B-Trust, StampIT, ZealiD or any qualified provider on the EU Trusted List, on a card, a USB token, in a mobile app or in the cloud — our signing guide explains step by step how to sign this exact file without invalidating it. Step-by-step help, and a way to check it worked

DocMuse sells documents, not legal advice. Acceptance always depends on the recipient's rules and your local law.

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