HDI Assicurazioni

What HDI Assicurazioni does

HDI Assicurazioni S.p.A. is an Italian insurance company operating in both Life (Vita) and Non-Life (Danni) segments, headquartered in Rome at Piazza Marconi 25. The company serves individuals, self-employed professionals, and small-to-mid businesses through a portfolio spanning auto and motor (Auto HDI, HDI Insieme with satellite assistance, motorcycle, camper, boat), home and property (Globale casa, Rischi catastrofali, Incendio mutui), health and protection (Salute HDI, TCM long-term care solutions), savings and investment (HDI Doppio Valore, HDI Accumulo Flex, HDI Capitale Protetto, unit-linked and ESG funds), and pensions (Fondo Pensione Aperto, PIP). The professional/business book adds cyber risk, healthcare professional liability, environmental liability, road carrier liability, and ten-year post-construction insurance. Distribution combines a proprietary agency network of over 800 locations across Italy with a Banca Sella banking partnership and digital channels including the MyHDI mobile app and the Area Riservata customer portal, alongside Europ Assistance for roadside support. The company is fully owned by the Talanx Group, the German diversified financial services conglomerate that controls the broader HDI international network, and Roberto Mosca serves as Amministratore Delegato (CEO).

The business model is structurally that of a composite insurer: recurring premium collection on annual subscription contracts, with pricing set by individual risk assessment and bundled core-plus-extension structures (e.g., RC Auto base contract with complimentary driving extensions). FY2025 total premiums reached €1,677M (Vita €878M, Danni €799M) with net profit of €40.7M, a Solvency Ratio of 211.0%, and a non-life combined ratio of 89.4%, reflecting improving underwriting profitability on a slightly smaller premium base versus FY2024's €1,826M. Net equity stood at €589M and investments at €6.2B in 2025. The current entity was formed by the H1 2023 merger of HDI Italia (formerly Amissima Assicurazioni, acquired in April 2021) into HDI Assicurazioni, creating a unified 'One Company' with 600+ employees.

Technology and operational infrastructure is anchored on regulated, traditional insurance platforms rather than proprietary AI: the MyHDI app provides policy management, claims assistance, and weather alerts; the Area Riservata portal enables self-service policy administration; and the PREVENTIVASS integration delivers the mandatory RC Auto contract base quote comparison under IVASS supervision. A Catastrophic Events Management System offers proactive support, a dedicated hotline, and a repair partner network for natural-event claims. Brand visibility is reinforced by long-tenured sponsorships including AS Roma (Insurance and Centurion Partner for the 2025/26 season), Porsche Italia (insurance partner since 1998, Porsche Carrera Cup Italia since 2007), and MotoGP riders Fabio Di Giannantonio and Dennis Foggia, signaling a premium-segment acquisition strategy that complements the broad retail and bancassurance footprint.

Name

HDI Assicurazioni

Legal name

HDI Assicurazioni S.p.A.

Website

https://hdiassicurazioni.it

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

501–1,000 employees

Short description

HDI Assicurazioni is an Italian composite insurer offering Life and Non-Life coverage to individuals, professionals, and businesses through 800+ agencies, a Banca Sella partnership, and digital channels, owned by the Talanx Group.

Ownership category

akta.pro rank

Product category

Insurance Services

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Direct Health and Medical Insurance Carriers (524114), Direct Insurance (except Life, Health, and Medical) Carriers (52412), Insurance Carriers and Related Activities (524)

SIC

Accident & Health Insurance (6321), Fire, Marine & Casualty Insurance (6331), Life Insurance (6311)

akta.pro primary industry

Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD)

Keywords

• Insurance services
• Motor insurance policies
• Home insurance coverage
• Life insurance products
• Professional liability insurance

Headquarters

HQ city

Roma

HQ country

Italy

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Non-Life Insurance Premiums (Rami Danni): Collection of insurance premiums from non-life insurance products including auto, property, health, and professional liability coverage. Premiums are collected through agency network and banking partners.
2. Life Insurance Premiums (Rami Vita): Collection of insurance premiums from life insurance products including savings, investment, and pension products.
3. Banca Sella Distribution Partnership: Distribution of insurance products through Banca Sella banking network, including home, health, mortgage, loan, and savings products

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

HDI Assicurazioni is an Italian insurance company providing a comprehensive portfolio of life and non-life insurance products to individuals, professionals, and businesses. Core offerings include auto insurance (RC Auto, motorcycle, camper, watercraft), home and property insurance (home, mortgage fire, catastrophic events), health and personal protection (accident, health, long-term care), professional liability insurance (cyber risk, healthcare, designer liability), and savings, investment, and pension products. Distribution is through 800+ Italian agencies, Banca Sella bank branches, and digital channels including the MyHDI mobile app.

Product overview

HDI Assicurazioni is an Italian insurance company offering a comprehensive portfolio of insurance products across multiple categories. For private individuals (Privati), the company provides auto and motor insurance (Auto HDI, HDI Insieme, motorcycle, camper, boats), home and property insurance (Globale casa, Incendio mutui, Rischi catastrofali), health and protection products (Circolazione sicura, Protezione Infortuni, Salute HDI, TCM solutions), savings and investment products (HDI Doppio Valore, HDI Accumulo Flex, HDI Capitale Protetto, Progetto Investimento Flex), and pension products (Fondo Pensione Aperto, Piano Individuale Pensionistico). For professionals and businesses (Business), HDI offers vehicle insurance, property and business insurance including cyber risk (Rischi informatici), professional liability for healthcare workers and other professionals, environmental liability insurance, and pension solutions. Products are distributed through the company's own agency network of 800+ agencies, digital channels (MyHDI app, Area Riservata portal), and distribution partners including Banca Sella. The product architecture follows a modular approach with core products supplemented by optional add-on coverages.

Differentiator

Problem solved

Functional benefit

Brands

• MyHDI: Mobile application for policy management and assistance services
• HDI Insieme
• Auto HDI
• FLAG - Together sotto la stessa bandiera

Products and services

• Auto HDI - Autovettura Comprehensive auto insurance for private individuals covering RC Auto mandatory coverage and optional protections including theft, fire, natural events, crystal replacement, Kasko, and legal protection.
• HDI Insieme Complete protection service with satellite assistance and vehicle monitoring for comprehensive auto coverage.
• Auto HDI - Moto Motorcycle and scooter insurance providing 24-hour coverage without mileage limits, protecting riders from circulation damages.
• Auto HDI - Camper Insurance coverage specifically designed for camper vehicles.
• Natanti HDI Watercraft insurance for boats and nautical vehicles.
• Unità da diporto Pleasure craft insurance for recreational water vessels.
• Auto HDI - Altri motori Insurance for other motorized vehicles beyond cars and scooters.
• Mio Camper - Polizza del camperista Specialized camper insurance policy for passionate campers.
• Contratto Base R.C. Auto Mandatory minimum R.C. Auto contract as regulated by Ministry of Economic Development, covering basic civil liability for vehicles with complimentary extensions including unlimited driving coverage, passenger third-party damage coverage, trailer coverage, minor driving coverage, and expired license coverage.
• Globale casa Comprehensive home insurance covering the house and its contents against multiple risks.
• Incendio mutui Fire insurance linked to mortgage contracts, protecting property against fire and explosion damages.
• Rischi catastrofali Catastrophic natural events insurance covering earthquakes, volcanic eruptions, and flooding.
• Fabbricato HDI Building insurance protecting real estate properties from multiple risks.
• R.C. Proprietà di beni immobili Third-party civil liability insurance for property owners of real estate.
• Furto o furto-incendio Theft and fire insurance for residential properties covering damages from theft and fire.
• Circolazione sicura Safe circulation insurance protecting the driver, passengers, and family during any travel.
• Protezione Infortuni HDI Personal accident insurance providing coverage for injuries and related expenses.
• Salute HDI Health insurance covering medical expenses and healthcare needs.
• TCM Soluzione Serena TCM (Long-term care) serene solution providing long-term care coverage.
• TCM Soluzione Tutela TCM (Long-term care) protection solution for long-term care needs.
• TCM Vita facile TCM (Long-term care) easy life solution for simplified long-term care coverage.
• Viaggio singolo Single trip travel insurance for occasional travelers.
• HDI Mutuo Easy Protection Optional policy that pays remaining mortgage debt in case of death or total permanent disability of the borrower. Distributed exclusively through Brescia Agency code 1422.
• HDI Doppio Valore Savings insurance product with double value feature, part of the Capitalbank separate management ESG fund.
• HDI Accumulo Flex Flexible savings accumulation insurance product.
• HDI Capitale Protetto Protected capital insurance product for capital preservation.
• Proteggi il Domani Future protection savings and investment product.
• Progetto Investimento Flex Flexible investment project insurance product.
• HDI TechLife Equity Equity-linked investment insurance product.
• Azione di Previdenza - Fondo Pensione Aperto Open pension fund product for supplementary pension coverage.
• Previdenza HDI - Piano Individuale Pensionistico Individual pension insurance plan (PIP) for personal retirement savings.
• Leasing beni strumentali Insurance for leased equipment and instrumental goods, protecting against damages during lease arrangements.
• Ufficio HDI Office and professional studio insurance protecting business premises, contents, RC T and RC O coverage.
• Leasing immobiliare Real estate leasing insurance covering material damages to leased property and RC towards third parties.
• Decennale postuma 210 HDI 10-year post-completion insurance protecting property buyers from construction defects for a decade.
• Furto o furto-incendio (Business) Business theft and fire insurance covering mobile and immobile assets.
• Rischi informatici HDI Cyber risk insurance protecting professionals from digital threats, covering RC for data breaches and direct damages from cyber incidents.
• Professionista Sanitario HDI Healthcare professional liability insurance for medical, paramedical, and technical personnel.
• Professionista HDI Professional liability insurance for technical or economic-legal professionals, including Lex variant for lawyers.
• R.C. Insegnanti, guide, istruttori e attività personali diverse RC insurance for teachers, guides, instructors, and various personal service professionals including RCV and RCO coverage.
• Responsabilità civile del vettore stradale Road carrier civil liability insurance covering contractual responsibility for loss or damage to transported goods.
• Responsabilità civile professionale del progettista Professional designer civil liability insurance covering external designers or engineering firms for public works projects.
• Responsabilità ambientale insediamenti Environmental liability insurance covering civil and environmental responsibility for pollution damage including remediation costs.
• Responsabilità ambientale attività verso terzi Environmental liability insurance covering civil and environmental responsibility for pollution consequences to third parties.
• Responsabilità ambientale operazioni di carico e scarico Environmental liability insurance for loading and unloading operations in Italy and Europe.
• Auto HDI per Professionisti - Autovettura Auto insurance specifically designed for self-employed professionals and freelancers.
• Auto HDI per Professionisti - Moto Motorcycle insurance for professionals with 24-hour coverage and customizable protection.
• Auto HDI per Professionisti - Altri Motori Insurance for all motorized vehicles for self-employed workers including boats, campers, and electric mobility.
• MyHDI App Mobile application providing customers access to insurance management, weather alert notifications, and policy services on iOS and Android.
• Area Riservata Customer portal for managing insurance policies, accessing risk attestations, and policy services.

Quantifiable outcome

• 211.0% Solvency Ratio demonstrating strong financial stability

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

Feature3 records

Partnerships

Seven partnerships are on record, tiered core, major, flagship and minor.

• Europ AssistancecoreTechnology or IntegrationEurop Assistance provides roadside assistance services for HDI auto insurance policies. Services include vehicle recovery, replacement vehicle provision, and emergency support through VIP, TOP, and standard assistance packages for various vehicle types.
• Banca SellamajorChannel Partner/ Reseller/ DistributorBanca Sella distributes HDI insurance products through its banking network including home, health, catastrophic risk, mortgage protection, loan protection, savings and investment, and pension products.
• AS RomaflagshipGTM or Marketing PartnerHDI Assicurazioni serves as Insurance Partner and Centurion Partner for AS Roma football club, sponsoring both the men's and women's first teams for the 2025/26 season. Partnership includes on-field branding and anti-violence campaign support.
• Porsche ItaliaflagshipGTM or Marketing PartnerHDI has been Porsche's insurance partner since 1998 and serves as Official Partner of Porsche Carrera Cup Italia since 2007. Partnership supports motorsport excellence and brand visibility.
• Fabio Di GiannantoniominorGTM or Marketing PartnerHDI sponsors MotoGP rider Fabio Di Giannantonio ('Diggia') with brand logo on racing suit, participating in the premier class of world motorcycle racing.
• Dennis FoggiaminorGTM or Marketing PartnerHDI sponsors Moto3 rider Dennis Foggia with brand presence on helmet and racing suit in the Moto3 World Championship.
• IVASS (Istituto per la Vigilanza sulle Assicurazioni)coreOthersRegulatory oversight body for insurance companies in Italy. HDI participates in PREVENTIVASS system supervised by IVASS for RC Auto price comparisons.

Scale indicators15 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• AXA Italia: Italian operations of AXA Group offering life, P&C, health, and savings/pension products. Comparable as a multi-line international insurer serving Italian consumers and businesses through agents and digital channels.
• Vittoria Assicurazioni: Mid-sized Italian insurance carrier focused on personal and small business lines, including auto and life. Closely comparable to HDI in scale and product positioning within the Italian market.
• Italiana Assicurazioni: Italian insurance company, part of Reale Group, offering auto, home, and life products through agents. Closely comparable to HDI in mid-size Italian multi-line positioning and agency-led distribution.
• Reale Mutua di Assicurazioni: Italian mutual insurance company offering life and non-life products through a network of agents. Comparable to HDI as a domestic Italian multi-line insurer with agency distribution and similar product breadth.
• UnipolSai Assicurazioni: Major Italian insurance carrier with strong auto and non-life franchise, also offering life and health products. Closely comparable to HDI in product mix (auto-heavy) and Italian agency-led distribution model.
• Zurich Insurance Italy: Italian subsidiary of Zurich Insurance Group providing life, P&C, and health/savings products. Comparable as a foreign-owned multi-line insurer in the Italian market with similar customer segments.
• Allianz Italia: Italian subsidiary of Allianz SE, offering life, P&C, and health insurance through agents and brokers. Comparable as a foreign-owned multi-line insurer operating in Italy with similar bancassurance and agency mix.
• Sara Assicurazioni: Italian insurance company affiliated with ACI (Automobile Club d'Italia), strong in auto insurance. Comparable to HDI in Italian auto-insurance focus and agency-led distribution to individuals and families.

Broad incumbents

• Generali Italia: Italian arm of Generali Group, the largest insurance company in Italy by market share. Directly comparable as a multi-line insurer (Life and P&C) serving individuals, professionals, and businesses through a mixed agency and bancassurance model across Italy.

Regional players

• Poste Italiane (Poste Vita): Italian postal service's insurance arm, dominant in life/savings distribution through the post office network. Comparable to HDI in size and life insurance segment, but with a unique nationwide counter-based distribution model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCU4XCqEP1Fphrgs_jZI7miA
• Facebookfacebook.com/HDIAssicurazioniOfficial
• LinkedInlinkedin.com/company/hdi-assicurazioni-spa
• Instagraminstagram.com/hdiassicurazioni_official

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 HDI Assicurazioni