Notice cancelling an insurance policy (Italy)
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 anyone in Italy who wants to end an insurance policy – home, accident, liability, health – at expiry so that it does not renew tacitly, or to withdraw from a policy lasting more than five years once five years have passed (Article 1899 of the Italian Civil Code). The notice period is the one the policy sets and counts from receipt of the letter. Motor liability insurance, by contrast, needs no notice: it never renews tacitly. Many insurers also accept cancellation free of charge from the customer area or through the agent. Send this Italian letter by PEC to the insurer’s certified address or by registered post with proof of receipt.
- Made for use in Italy
- Last updated October 14, 2026
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When to use this document
- Your home insurance in Italy renews itself every year and you want to stop it.
- You found a cheaper policy and want to cancel the old one in time.
- You sold the flat and no longer need its insurance.
- You want to send the insurer a cancellation that proves the date it was received.
What you fill in
The details the document asks for.
- Policyholder
- Policyholder's address
- Sender's codice fiscale (Italian tax code)
- How the letter is sent (printed above the recipient)
- Insurer
- Insurer's postal address
- City
- Date
- Policy number
- Notice at expiry, or withdrawal from a multi-year policy
- Type of insurance (e.g. home contents, personal liability)
- End of the insurance period
Common questions
- How far ahead must notice cancelling a home or accident policy be sent in Italy?
- With the notice set in the policy terms, which counts from the day the letter reaches the insurer, not from posting: that is why a PEC, which gives a delivery receipt, or a registered letter posted in good time is best. If the notice arrives late, the policy renews tacitly, but each tacit extension may last no more than two years (Article 1899 of the Italian Civil Code). Many insurers offer their own free form or cancellation from the customer area; the agent can also take it.
- Does Italian motor liability insurance need to be cancelled to change insurer?
- No. Compulsory motor liability insurance lasts one year at most and cannot renew tacitly (Article 170-bis of the Italian Private Insurance Code, Legislative Decree 209/2005): it ends by itself at expiry. The insurer keeps cover in force until the fifteenth day after expiry, until the new policy starts; after that, driving uninsured is penalised. Any extra cover sold under a separate contract follows its own terms instead.
- Can you leave a discounted multi-year policy early in Italy?
- The Civil Code lets the insured withdraw from a policy lasting more than five years once five years have passed, on sixty days’ notice and with effect from the end of the policy year in which the withdrawal is made (Article 1899, first paragraph): that is the letter’s second wording. Before five years, and for shorter policies, the contract terms apply, together with the rules in force when the policy was taken out: read the contract again. Life insurance has its own rules.
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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