Name

Linear Assicurazioni

Legal name

Compagnia Assicuratrice Linear S.p.A.

Website

https://linear.it

Company type

Private

Founded year

1996

Operating status

Operating

Ownership category

akta.pro rank

Product category

Personal Lines Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126)

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Standard Personal Auto Insurance (Liability, Collision & Comprehensive) (FSAJAAAA)

akta.pro secondary industry

Personal Auto Insurance (FSAJAMAA)

Keywords

• Auto insurance
• Motorcycle insurance
• Home insurance
• Direct online insurance
• Vehicle liability coverage

Headquarters

HQ city

Bologna

HQ country

Italy

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Supply Chain

Revenue model

1. Motor Insurance (RC Auto): Primary revenue stream from mandatory third-party liability insurance for vehicles (auto, motorcycle, van, motor scooters). Sold as annual policies with optional additional coverage add-ons.
2. Home and Family Insurance: Property and personal insurance coverage for households, including home protection and family liability coverage.
3. Additional Coverage Add-ons: Optional coverage extensions including fire and theft, glass breakage, natural events, social/political events, MiniKasko, collision with wild animals, accident with uninsured vehicles, legal protection, and roadside assistance.
4. Direct Repair Option: Optional direct repair coverage allowing policyholders to use UnipolService and UnipolGlass networks for vehicle repairs without upfront payment, with RC Auto discounts applied.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

Linear Assicurazioni is an Italian direct (online and telephone) insurance company that sells motor vehicle insurance — auto, motorcycle, van, and moped — as well as home and family insurance, underwritten as RC Auto (mandatory third-party liability) policies with optional coverage add-ons such as fire and theft, glass breakage, natural events, MiniKasko, legal protection, and roadside assistance. Policies are purchased and managed online or by phone, with claims supported by an Unipol-affiliated repair network.

Differentiator

Problem solved

Functional benefit

Brands

• LinearNext: A network of agents and brokers through which Linear insurance products are distributed.
• LinearFriends
• LinearBenefits
• Linear AutoBox

Products and services

• Assicurazione Auto (Auto Insurance) Primary auto insurance product providing mandatory RC Auto (third-party liability) coverage for cars with customizable additional coverage options including fire, theft, glass damage, natural events, MiniKasko, collision with wild animals, accident with uninsured vehicles, legal protection, and roadside assistance. Sold as annual policies primarily to Italian individual consumers.
• Assicurazione Moto (Motorcycle Insurance) Motorcycle and scooter insurance providing mandatory liability coverage and optional protections for two-wheeled vehicles, offered to Italian individual consumers on annual policies.
• Assicurazione Furgoni (Van Insurance) Van and light commercial vehicle insurance with coverage options tailored for commercial use, providing mandatory liability and optional additional protections. Sold primarily to Italian individual vehicle owners and small businesses.
• Assicurazione Casa e Famiglia (Home and Family Insurance) Home and family insurance covering property damage, personal liability, and family protection, with options available for both homeowners and renters. Targeted at Italian households and families.
• Assicurazione Ciclomotori (Moped Insurance) Insurance for mopeds and small motorized vehicles with limited engine capacity, providing mandatory liability coverage for Italian consumers.
• Linear AutoBox (Telematics Device) Standalone satellite/telematic device installed in vehicles offering real-time tracking, automatic 24/7 emergency roadside assistance activation on serious collisions, and driving behavior monitoring. Sold to Linear vehicle insurance policyholders.
• Riparazione Diretta (Direct Repair Coverage) Optional add-on coverage granting policyholders access to the UnipolService (~3,000 body shops) and UnipolGlass (200+ centers) networks for vehicle repairs without upfront payment, with 24-month guarantee on parts and labor and a 10-year warranty for customers who remain with Unipol Group companies. Includes an RC Auto premium discount.
• CAI Digitale (Digital Accident Report) Digital accident-report (Constatazione Amichevole d'Incidente) service allowing Linear policyholders to complete and submit accident forms electronically via SPID or electronic ID card (CIE), accelerating claims documentation.

Quantifiable outcome

• Up to 40% savings compared to traditional market average tariffs
• +1 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature5 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• Coop ItaliacoreGTM or Marketing PartnerCoop loyalty partnership offering up to 2,000 points for Coop members who purchase a new Auto or Motorcycle policy. Additional 5% discount on Home and Family insurance policies for Coop members.
• PAYBACKcoreGTM or Marketing PartnerPAYBACK loyalty partnership offering up to 4,000 points for PAYBACK cardholders who purchase a new Auto or Motorcycle policy.
• FeltrinelliminorGTM or Marketing PartnerGift card partnership offering a €50 gift card for Feltrinelli customers who choose Linear insurance.
• Best Western RewardsminorGTM or Marketing PartnerSpecial offer for Best Western Rewards members on new auto or motorcycle insurance policies.
• UnipolServicecoreStrategic or Co-development PartnerNetwork of approximately 3,000 selected body shops operating under the Unipol Group umbrella. Offers repairs without advance payment, 24-month guarantee on parts and labor, and extended 10-year warranty for customers who remain insured with Unipol Group companies.
• UnipolGlasscoreStrategic or Co-development PartnerNetwork of over 200 glass repair and replacement centers throughout Italy. Offers original CE-certified glass, 10-year installation warranty, mobile repair service, and competitive pricing even for customers without glass coverage in their policy.
• UnipolAssistance (formerly Pronto Assistance Servizi)coreStrategic or Co-development PartnerRoadside assistance service now rebranded under Unipol. Available 24/7 for customers with roadside assistance coverage. Contact: [email protected], Tel. 800 475 999, from abroad (+39) 011 65 23 246.
• UnipolTech (formerly AlfaEvolutionTechnology)coreTechnology or IntegrationTelematics services provider for the Linear AutoBox satellite device. Manages the satellite tracking system that automatically activates emergency response in real-time 24/7 in case of serious collision. Contact: [email protected], Tel. 800 767 878.
• UniSaluteminorStrategic or Co-development PartnerHealth insurance partner for Kasko Salute (Health Kasko) coverage claims. Contact for Kasko Salute: (+39) 051 63 89 046, Monday to Friday 8:30-19:30.
• LinearNext IntermediariescoreChannel Partner/ Reseller/ DistributorNetwork of independent insurance agents and brokers who sell Linear insurance products. Agents and brokers can apply through linearnext.it to become LinearNext intermediaries and expand their auto, motorcycle, and van insurance offerings.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Prima Assicurazioni: Italian direct auto insurer with a telematics-led pricing model. Competes directly with Linear for prudent, price-sensitive drivers shopping online for RC Auto.
• Verti Assicurazioni: Italian direct online auto and motorcycle insurer owned by Mapfre Group. Closest head-to-head competitor: same digital-first RC Auto proposition, Spanish-owned peer in Linear's home market.
• GenialMore (formerly Genialloyd): Italian direct insurance brand, originally the pioneer of telematics-based auto pricing in Italy — Andrew Rapetti previously worked at Genialloyd/Genialpoint before founding Linear's digital DNA. Direct overlap on auto and home online distribution.
• Zurich Connect Italy: Direct-to-consumer digital arm of Zurich Insurance in Italy. Managed by CEO Andrea Rapetti (2007-2012) before he moved to Linear, so a clear peer on digital auto and home distribution through the same channels.
• ConTe.it (Admiral Group Italy): Italian operation of UK-listed Admiral Group, focused on direct online auto insurance. Comparable model: pure-play online direct distribution with data-driven pricing.
• Quixa Assicurazioni: Italian direct auto insurance brand (BPER Banca group). Competes in the same RC Auto online-direct category with similar price-led proposition.

Broad incumbents

• Direct Line Group: UK-listed pioneer of direct telephone/internet insurance and former employer of Linear's CEO. Direct strategic template and benchmark for UK-style direct underwriting operating in Italy via ConTe.it.
• Admiral Group: Welsh-based global direct insurer behind ConTe.it, Compario, and other price-comparison brands. Comparable international scaled direct-insurance platform with multi-country distribution.
• Generali Italia: Largest traditional Italian P&C insurer, now expanding digital channels and direct offerings. Overlaps with Linear's auto and home lines through both agency network and digital, making it the dominant incumbent benchmark.
• Allianz Italia: Major incumbent insurer in Italy (motor + property, agent and direct channels). Cross-sells auto with home/family and is also a former employer of Linear's CEO. Comparable on product breadth even if distribution differs.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights8 records

Customer concentration

• Xx.com/Linear_it
• Facebookfacebook.com/linearassicurazioni
• LinkedInlinkedin.com/company/compagnia-assicuratrice-linear-spa

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Linear Assicurazioni