Consap S.p.a.

Name

Consap S.p.a.

Legal name

CONSAP, Concessionaria Servizi Assicurativi Pubblici S.p.A.

Website

https://consap.it

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

101–250 employees

Short description

Consap S.p.A. is an Italian state-owned concessionary, wholly owned by the Ministry of Economy and Finance, managing 30+ public guarantee and social support funds for citizens, insurance professionals, and the banking system.

Ownership category

akta.pro rank

Product category

Public Insurance Services

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Funds, Trusts, and Other Financial Vehicles (525)

SIC

Insurance Agents, Brokers & Service (6411), Surety Insurance (6351)

akta.pro primary industry

Captive Insurance Advisory & Management (FSAEADAF)

Keywords

• Public guarantee funds
• Victim compensation funds
• Insurance register services
• State-backed financial services
• Mortgage guarantee programs

Headquarters

HQ city

Rome

HQ country

Italy

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Others, Marketing or Sales

Revenue model

1. Public Fund Management Fees: Consap manages public funds and services without profit motive. Activities are funded through state budget allocations, management contributions from registered professionals, and administrative fees from fund operations.
2. Professional Registration Contributions: Annual management contributions from insurance experts (Periti Assicurativi) registered in the professional register, set at €100 per year for 2025.
3. Fondo Prima Casa Guarantee Fees: State guarantee fund for first home mortgages managed on behalf of MEF, distributed through 174+ partner banks with no direct revenue to Consap but operational fees for fund administration.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

Consap S.p.A. is the Italian state-owned concessionary (100% owned by the Ministry of Economy and Finance) that manages over 30 public service lines including guarantee funds for road accident victims, hunting accident victims, and crime victims, state-backed first-home mortgage guarantees, student loan guarantees, dormant accounts/policies reimbursement, identity theft prevention, professional registers for insurance adjusters, and centralized public procurement. The company operates as a public insurer of last resort, covering risks the private insurance market cannot address, and channels its services through a digital platform (MyConsap), 174+ partner banks, and designated insurance companies.

Product overview

Consap S.p.A. is a publicly-owned company (totally held by the Italian Ministry of Economy and Finance) that manages public insurance services and financial support mechanisms. The company operates a platform-plus-services model, offering approximately 30 distinct product lines organized into three main categories: public insurance services (including the Road Victims Guarantee Fund, Compensation Room, Information Center, Insurance Adjusters Register, and Hunting Victims Guarantee Fund), financial services (including identity theft prevention, dormant accounts management, and state guarantee funds), and social support services (including the First Home Fund, Mortgage Suspension Fund, Student Study Fund, and victim compensation funds). The products are delivered through a digital platform accessible via the main website and specialized portals (MyConsap, Ruolo Periti portal), serving both individual citizens and public administrations with state-guaranteed financial protections and social welfare mechanisms.

Differentiator

Problem solved

Functional benefit

Products and services

• Fondo di Garanzia per le Vittime della Strada Public guarantee fund that compensates victims of road accidents when damages cannot be recovered through normal contractual mechanisms, such as cases involving unidentified vehicles, uninsured vehicles, or vehicles insured by companies in liquidation. For Italian and EU citizens injured by uninsured or insolvent-insurer vehicles.
• Centro di Informazione Italiano Information center managing cross-border insurance claims within the EU, enabling victims of accidents involving vehicles from other EU countries to receive compensation. For Italian victims of accidents involving EU-registered vehicles.
• Organismo di Indennizzo Italiano Italian Compensation Body that handles compensation claims from Italian residents injured abroad by vehicles insured with companies in insolvency proceedings in EU countries. For Italian residents injured in EU countries by insolvent-insurer vehicles.
• Stanza di Compensazione Compensation room enabling policyholders to obtain reimbursement of deductibles paid after accidents involving unidentified or uninsured vehicles, and in direct compensation cases. For Italian insurance policyholders.
• Ruolo dei Periti Assicurativi National register of insurance adjusters (periti assicurativi) who are qualified to assess and estimate damages to vehicles and property arising from traffic accidents, theft, and fire. For insurance adjusters seeking professional registration in Italy.
• Fondo di Garanzia per le Vittime della Caccia Guarantee fund compensating victims of hunting accidents when the responsible hunter cannot be identified or is uninsured. For Italian citizens injured in hunting accidents.
• Fondo Prima Casa State guarantee fund providing up to 80% coverage on mortgage principal for first-home purchases, targeting young people (under 36), families, and priority categories with ISEE up to €40,000. Distributed through 174+ partner banks. For Italian young people and families seeking to purchase their first home.
• Fondo di Sospensione Mutui Prima Casa Fund allowing suspension of mortgage payments for up to 18 months for first-home borrowers experiencing job loss, disability, or other qualifying events, covering mortgages up to €400,000. For Italian first-home mortgage borrowers facing financial hardship.
• Fondo per lo Studio State-guaranteed student loan fund supporting meritorious students aged 18-40 with up to €50,000 for studies in Italy and €70,000 for studies abroad, with 70% state guarantee and 15-year repayment starting 30 months after graduation. For Italian meritorious students aged 18-40 pursuing higher education.
• Fondo per gli Acquirenti di Beni Immobili da Costruire Compensation fund for purchasers of buildings under construction, providing indemnities when developers become insolvent before completing construction. For Italian consumers who purchased off-plan properties.
• Fondo Vittime Mafia, Estorsione, Usura, Reati Violenti e Orfani per Crimini Domestici Solidarity fund providing financial assistance to victims of mafia crimes, extortion, usury, violent crimes, and orphans of domestic crimes. For Italian victims of serious crimes and their families.
• Fondo di Sostegno alla Natalità Fund supporting families with newborns through financial aid and incentives to address Italy's low birth rate. For Italian families with newborns.
• Fondo Indennizzo Risparmiatori Compensation fund for investors who suffered losses due to fraudulent or negligent behavior by banks or financial intermediaries. For Italian retail investors who suffered bank-related losses.
• Scipafi - Sistema di Prevenzione del Furto d'Identità Identity theft prevention system helping citizens protect against fraudulent use of personal documents, especially identity documents. For Italian citizens concerned about identity theft.
• Rapporti Dormienti Service managing dormant bank accounts and financial relationships, handling the reimbursement process for dormant assets to rightful claimants. For Italian citizens and heirs claiming dormant financial assets.
• Polizze Dormienti Service managing dormant insurance policies and ensuring reimbursement to policyholders or beneficiaries when policies become dormant. For Italian insurance policyholders and beneficiaries of dormant policies.
• Fondo GACS GACS (Garanzia sulla Cartolarizzazione delle Sofferenze) fund supporting Italian banks in securitizing non-performing loans through state guarantees. For Italian banks managing NPL portfolios.
• Fondo Juncker Investment fund part of the European Juncker Plan (EFSI) supporting strategic investments and infrastructure projects in Italy. For Italian strategic investment and infrastructure projects.
• Fondo Debiti P.A. Fund managing payments to suppliers owed by public administration entities, helping reduce public administration payment delays. For Italian suppliers and creditors of public administrations.
• Stazione Appaltante Consap Centralized public procurement service acting as a contracting station for public administrations, managing tenders and public contracts, especially for post-disaster reconstruction. For Italian public administrations requiring centralized procurement.
• Sisma Imprese Fund supporting businesses affected by earthquakes, providing reconstruction aid and financial assistance. For Italian businesses affected by earthquake damage.
• Fondo Brokers Guarantee fund for insurance and reinsurance brokers, collecting contributions from brokers to ensure minimum financial guarantees. For Italian insurance and reinsurance brokers.
• Albo CTU, Periti ed Elenco Nazionale Portal Digital portal enabling online registration applications and management of professional registers for CTU (Technical Court Consultants), Adjusters, and National Register insurance professionals. For insurance professionals and Technical Court Consultants requiring digital registration.
• Accesso Civico Telematic Platform Telematic platform for managing simple and generalized civic access requests (Accesso Civico semplice and generalizzato) pursuant to art. 5 of Legislative Decree 33/2013, with guided digital submission, document attachment, real-time tracking, and direct communications. Accessible via SPID authentication. For citizens and organizations requesting civic access information.
• Virtual Data Room (FGVS) Shared digital archive for document storage enabling easy and immediate consultation of documents, correspondence and communications between the Road Victims Guarantee Fund and Designated Companies for claim processing. For Designated Insurance Companies processing Road Victims Guarantee Fund claims.

Quantifiable outcome

• Over €3.4 billion in first home mortgage guarantees approved
• +4 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature4 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• Gruppo BCC IccreacoreStrategic or Co-development Partner · 25 November 2025Protocol of understanding signed to promote Fondo Studio and Fondo Prima Casa through BCC Iccrea Group banking network. Collaboration to expand reach of youth support funds through regional banking channels.
• Guardia di FinanzacoreStrategic or Co-development Partner · 1 January 2024Protocol of understanding signed for collaboration on public service initiatives and institutional support.
• So.Re.Sa. (Campania Region)minorStrategic or Co-development Partner · 1 January 2024Collaboration agreement for healthcare insurance services optimization in Campania region.
• ABI (Associazione Bancaria Italiana)coreStrategic or Co-development PartnerPartnership protocol for Fondo Prima Casa and Fondo Studio distribution. ABI coordinates 174+ banks and financial intermediaries for state guarantee fund operations. Joint working tables with Consap for fund enhancement.
• CDP (Cassa Depositi e Prestiti)coreStrategic or Co-development PartnerPartnership for Fondo Studio enhancement. CDP collaboration to provide additional €200 million for student loans. Joint work with Consap and ABI to increase fund capacity.
• ANIA (Associazione Nazionale Imprese Assicuratrici)coreStrategic or Co-development PartnerCollaboration on Road Victims Guarantee Fund management. ANIA participates in working groups with Consap and IVASS for insurance sector regulation and fund optimization.
• IVASS (Istituto per la Vigilanza sulle Assicurazioni)coreStrategic or Co-development PartnerRegulatory oversight body collaborating with Consap on insurance fund management, professional registers, and industry standards. Part of permanent technical table with ABI and ANIA.
• Consiglio dei Bureaux (COB)coreStrategic or Co-development PartnerInternational body for motor insurance guarantees. Consap is a member of COB and Board member of IETL (European Road Traffic Law Institute) for cross-border insurance claim coordination.

Scale indicators9 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Motor Insurers' Bureau (UK): UK body compensating victims of uninsured and untraced drivers; performs an analogous role to Consap's Road Victims Guarantee Fund and is part of the Council of Bureaux network alongside Consap.
• Bureau Central Français (BCF) / Fonds de Garantie des Assurances Obligatoires: French equivalent operating the road victims guarantee fund and cross-border motor-insurance compensation body; directly comparable to Consap's FGVS, Centro di Informazione Italiano, and Organismo di Indennizzo as a national guarantee fund for compulsory motor insurance.
• Verkehrsopferhilfe e.V. (VOH): German not-for-profit association compensating victims of uninsured or unidentified drivers; structurally equivalent to Consap's FGVS as a Council of Bureaux member providing last-resort motor insurance compensation.

Others

• ANIA (Associazione Nazionale Imprese Assicuratrici): Italian insurance industry association participating in FGVS working groups with Consap; comparable as a closely-linked insurance ecosystem institution, though not a direct fund manager.
• IVASS (Istituto per la Vigilanza sulle Assicurazioni): Italian insurance supervisor that works jointly with Consap on professional registers and the Road Victims Guarantee Fund; comparable as a state-linked insurance institution in the same regulatory perimeter, though operating as regulator rather than fund manager.

Broad incumbents

• Cassa Depositi e Prestiti (CDP): Italian state-owned financial institution and active partner of Consap (€200M for Fondo Studio); provides a comparable state-backed financing and guarantee mandate, though at materially larger balance-sheet scale.
• SACE S.p.A. Italian state-owned export credit and insurance agency wholly controlled by MEF through CDP; operates public insurance and guarantee products at a larger scale than Consap, providing a directly comparable in-house public-financial-services peer.
• INPS (Istituto Nazionale della Previdenza Sociale): Italian national social security institute and public entity managing welfare disbursements to citizens; comparable to Consap's role as a state-mandated disbursement and guarantee vehicle for citizen benefits (Fondo Natalità, victim compensation funds).

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles17 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 Consap S.p.a.