Arca Vita

Bancassurance Insurancearcassicura.it

Arca Vita is an Italian bancassurance insurer founded in 1987, distributing life and P&C insurance products through 25+ partner bank branches across Italy as part of Gruppo Unipol. It serves individual consumers, families, vehicle owners, and small businesses with digitally-enabled insurance solutions.

Company typePrivate
Founded1987
HeadquartersVerona, Italy
Headcount251–500
GTM typeB2C
OfferingServices

What Arca Vita does

Arca Vita is an Italian bancassurance company founded in 1987 and headquartered in Verona, specializing in life insurance and property & casualty products distributed exclusively through partner bank branches across Italy. The group operates through two main legal entities — Arca Vita S.p.A. handling life insurance (savings, Multiramo, Unit Linked, pension plans) and Arca Assicurazioni S.p.A. handling P&C lines (auto/RCA, home, travel, business) — both under the direction and coordination of Unipol S.p.A., Italy's leading insurance group in the Damage sector, since June 22, 2010. Distribution is conducted through a network of over 25 partner banks including BPER Banca, Banco di Sardegna, Banca di Piacenza, Banca Popolare Pugliese, and numerous regional cooperative banks, with additional support from digital and telephone channels.

The product portfolio spans Tutto Tondo (auto insurance with telematics), Auto Basic (IVASS-compliant base R.C. Auto), Ama & Proteggi (modular home insurance covering up to three properties), Arca MyTravel Protection (travel insurance via BPER app), and life investment products including Multiramo and Unit Linked policies. Digital infrastructure includes the MyArca self-service portal for policy management and claims, CAI Digitale for online accident reporting via SPID/CIE/Facematch authentication, the Arca Motor Box satellite telematics device for vehicle tracking and theft recovery, and online quote tools (Arca MyQuote, PREVENTIVASS). The company maintains wholly-owned subsidiaries Arca Inlinea (telephone assistance), Arca Sistemi (IT services), and Arca Direct Assicurazioni (direct R.C. Auto sales for non-bank customers).

Revenue is generated through insurance premiums collected via bank branch distribution, with quote-based pricing determined by individual risk assessment. Customer segments include individual consumers and families, vehicle owners, small business owners, and savings/investment customers across Italy. The company is privately held, with Arca Vita's main shareholders being Unipol Assicurazioni and BPER Banca, and Arca Assicurazioni wholly owned by Arca Vita. Headcount is in the 251-500 range. As of December 31, 2025, Arca Vita International D.A.C. has been merged into Arca Vita S.p.A., consolidating the corporate structure.

Arca Vita firmographics

Firmographics

Name: Arca Vita
Legal name: Arca Vita S.p.A.
Website: https://arcassicura.it
Company type: Private
Founded year: 1987
Operating status: Operating
Headcount range: 251–500 employees
Short description: Arca Vita is an Italian bancassurance insurer founded in 1987, distributing life and P&C insurance products through 25+ partner bank branches across Italy as part of Gruppo Unipol. It serves individual consumers, families, vehicle owners, and small businesses with digitally-enabled insurance solutions.
Ownership category
akta.pro rank

Arca Vita industry classification

Industry

Product category: Bancassurance Insurance
NAICS: Direct Life Insurance Carriers (524113), Direct Insurance (except Life, Health, and Medical) Carriers (52412), Insurance Carriers and Related Activities (524)
SIC: Life Insurance (6311), Fire, Marine & Casualty Insurance (6331), Insurance Agents, Brokers & Service (6411)
akta.pro primary industry: Variable Universal Life (VUL) Insurance (FSAIABAD)
akta.pro secondary industry: Travel & Accident (Non-Life) Insurance (FSAJAMAN)

Keywords

Life insurance products
Bancassurance distribution model
Auto insurance coverage
Home insurance policies
Pension savings plans

Where Arca Vita is headquartered

Location

Headquarters

HQ city: Verona
HQ country: Italy
HQ region: Europe

Offices1 record

Markets served

Arca Vita business model

Business model

GTM type: B2C
Offering type: Services
Cost components: Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

Life Insurance Premiums: Arca Vita specializes in life insurance products including savings policies (Piano Risparmio, Piano Valore), Multiramo policies combining savings and investment features, Unit Linked products linked to investment funds, and pension plans (Progressive Pension Plan). Revenue generated from policy premiums paid by customers through bank branch collection.
Property and Casualty Insurance Premiums: Arca Assicurazioni generates revenue from non-life insurance including auto/RCA coverage (Tutto Tondo, Auto Basic), home insurance (Ama & Proteggi), travel insurance (Arca MyTravel Protection), and business insurance. Premiums collected through partner bank channels.

Pricing tiers

Model	Billing	Price
Subscription	Annual	Tutto Tondo auto insurance with customizable coverage packages
Subscription	Annual	Ama & Proteggi home insurance covering up to three properties
Subscription	Pay-as-you-go	Arca MyTravel Protection travel insurance with three packages

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Arca Vita product offering

Product offering

Core offering

Arca Vita and its sister company Arca Assicurazioni sell life insurance and property & casualty insurance products through an exclusive bancassurance distribution model via partner bank branches across Italy. Product lines include life savings and pension policies (Multiramo, Unit Linked, Piano Risparmio, Piano Valore), auto/RCA insurance (Tutto Tondo, Auto Basic), home insurance (Ama & Proteggi), travel insurance (Arca MyTravel Protection), and small business insurance, supported by digital self-service tools including the MyArca portal, CAI Digitale, and the Arca Motor Box telematics device.

Product overview

Arca Vita and Arca Assicurazioni offer a comprehensive insurance portfolio through a bancassurance model, distributing products via partner bank branches throughout Italy. The main product lines include: auto insurance (Tutto Tondo, Auto Basic, PREVENTIVASS), home insurance (Ama & Proteggi - Casa), travel insurance (Arca MyTravel Protection), life insurance (Multiramo, Unit Linked, Piano Risparmio, Piano Valore), and business insurance. Digital services include MyArca customer portal, CAI Digitale for accident reporting, and Arca Motor Box telematics device. The company operates as part of the Unipol Group.

Differentiator

Problem solved

Functional benefit

Brands

Tutto Tondo: Comprehensive car insurance policy with customizable coverage options including RCA, vehicle protection, driver protection, and digital CAI services. Available for electric vehicles with specific coverage for battery and charging infrastructure.
Arca MyTravel Protection
Ama & Proteggi - Casa a modo tuo
Arca MyQuote
Auto Basic - Contratto Base
CAI Digitale
Arca Motor Box
Multiramo and Unit Linked policies

Products and services

Tutto Tondo Auto Insurance Comprehensive auto insurance providing mandatory RCA (liability) coverage with customizable accessory packages including Protezione Persona (driver protection), Protezione Veicolo (vehicle protection), and Protezione Circolazione (circulation protection). Available for electric vehicles with dedicated coverage for battery and charging infrastructure, and can be enhanced with the Arca Motor Box telematics device. Sold through partner bank branches across Italy.
Auto Basic - Contratto Base Base R.C. Auto insurance contract compliant with Italian Ministry of Economic Development regulations, offering minimum legal coverage for private-use automobiles, motorcycles, and mopeds under the Bonus/Malus tariff formula. Sold through partner bank branches.
Ama & Proteggi - Casa a modo tuo Modular home insurance product protecting up to three residential properties under a single policy, with flexible options for owner or tenant coverage. Includes protection against climate risks, theft, civil liability, legal protection, and add-on coverages for digital lifestyle, green living, pets, and family liability. Sold through partner bank branches.
Arca MyTravel Protection Travel insurance with three packages (Base, Top, and Annullamento Viaggio trip cancellation), covering assistance, baggage, accident, medical expenses, civil liability, trip interruption, and delays for trips up to 120 days. Available exclusively through the BPER app for BPER Banca customers.
Polizze Multiramo e Unit Linked Life insurance investment products combining insurance protection with investment opportunities. Multiramo policies combine savings and investment features with separate management lines, while Unit Linked policies are linked to underlying investment fund shares. Sold through partner bank branches with guided consulting for customers seeking long-term savings accumulation and pension planning.

Companies that use Arca Vita

Customer profile

Segments4 records

Ideal customer profiles4 records

Arca Vita technology and API

Technology

Technology focussed No

API detail

Has API: No
API docs
API detail

Core technology

AI maturity

App detail

Feature3 records

Arca Vita partnerships and signals

Strategic signal

Partnerships

21 partnerships are on record, tiered core and minor.

BPER BancacoreChannel Partner/ Reseller/ DistributorMajor banking partner distributing Arca insurance products through its branch network across Italy. One of the largest banking partners and key strategic ally in the bancassurance model. Primary action: distribution partnership
Banco di SardegnacoreChannel Partner/ Reseller/ DistributorRegional banking partner in Sardinia distributing Arca insurance products through its branch network. Primary action: distribution partnership
Banca di PiacenzacoreChannel Partner/ Reseller/ DistributorRegional cooperative banking partner distributing Arca insurance products. Primary action: distribution partnership
Banca Popolare PugliesecoreChannel Partner/ Reseller/ DistributorRegional banking partner in Puglia distributing Arca insurance products. Multiple award recognition for excellence in bancassurance partnership. Primary action: distribution partnership
Gruppo Banca Popolare del LaziocoreChannel Partner/ Reseller/ DistributorBanking group distributing Arca insurance products across Lazio region. Multiple award recognition for integrated consulting approach. Primary action: distribution partnership
VolksbankminorChannel Partner/ Reseller/ DistributorRegional banking partner in Alto Adige distributing Arca insurance products. Primary action: distribution partnership
Banca Popolare di FondicoreChannel Partner/ Reseller/ DistributorRegional banking partner distributing Arca insurance products. Award recognition for customer protection awareness initiatives. Primary action: distribution partnership
Cassa di Risparmio di FermominorChannel Partner/ Reseller/ DistributorRegional banking partner in Fermo area distributing Arca insurance products. Primary action: distribution partnership
Banca Popolare San Felice 1893minorChannel Partner/ Reseller/ DistributorRegional banking partner distributing Arca insurance products. Primary action: distribution partnership
Banca del FucinominorChannel Partner/ Reseller/ DistributorRegional banking partner distributing Arca insurance products. Primary action: distribution partnership
Banca Agricola Popolare di RagusaminorChannel Partner/ Reseller/ DistributorRegional banking partner in Sicily distributing Arca insurance products. Primary action: distribution partnership
Banca Cassa di Risparmio di SaviglianominorChannel Partner/ Reseller/ DistributorRegional banking partner in Piedmont distributing Arca insurance products. Primary action: distribution partnership
Banca Popolare del FrusinateminorChannel Partner/ Reseller/ DistributorRegional banking partner distributing Arca insurance products. Primary action: distribution partnership
Cassa di Risparmio di FossanominorChannel Partner/ Reseller/ DistributorRegional banking partner distributing Arca insurance products. Primary action: distribution partnership
Banca Cesare PontiminorChannel Partner/ Reseller/ DistributorBanking partner distributing Arca insurance products. Primary action: distribution partnership
Banca di CambianominorChannel Partner/ Reseller/ DistributorRegional banking partner distributing Arca insurance products. Primary action: distribution partnership
Blu BancaminorChannel Partner/ Reseller/ DistributorBanking partner distributing Arca insurance products. Primary action: distribution partnership
Banca Popolare ValconcaminorChannel Partner/ Reseller/ DistributorRegional banking partner distributing Arca insurance products. Primary action: distribution partnership
Unipol Gruppo S.p.A.coreStrategic or Co-development PartnerParent company providing strategic direction and coordination. Gruppo Unipol is leader in Italy in the Damage sector, particularly in R.C. Auto, and among the main insurance groups in Europe. Arca Vita and Arca Assicurazioni have been part of Gruppo Unipol since June 22, 2010. Provides operational support through entities like Unipol Assistance and UnipolTech.
Pronto Assistance Servizi (P.A.S.)coreTechnology or IntegrationRoadside assistance and emergency services provider integrated with Arca Motor Box satellite device for vehicle assistance. Operates 24/7 for sending tow trucks and emergency support.
UnipolTechcoreTechnology or IntegrationTechnology partner providing satellite vehicle tracking and geolocation services for the Arca Motor Box system. Manages the Security Operations Center for vehicle theft recovery in collaboration with law enforcement.

Scale indicators3 records

Recent moves7 records

Expansion highlights6 records

Arca Vita competitors and assessment

Company assessment

Direct peers

Vittoria Assicurazioni: Italian mid-sized insurer offering life and P&C products (auto, home, business, life) through agents and brokers. Comparable mid-cap size, multi-line product mix, and Italian market focus, though distributed primarily via agents rather than bancassurance.
Intesa Sanpaolo Vita: Italian life-insurance carrier distributing exclusively through Intesa Sanpaolo bank branches under a bancassurance model. Direct comparable to Arca Vita on product mix (savings, pension, unit-linked) and exclusive bank-channel distribution.
Reale Mutua: Italian mutual insurer offering life and P&C (auto, home, health, business) through agents and a small bank network. Comparable multi-line Italian insurance carrier competing in similar customer segments as Arca Vita.
CNP UniCredit Vita: Bancassurance joint venture between UniCredit and CNP Assurances distributing life and protection products through UniCredit branches in Italy. Highly comparable bancassurance-only operating model focused on Italian retail savings and protection.

Broad incumbents

AXA Italia: Italian subsidiary of AXA offering life, auto, home and health insurance through agents and bank partners. Comparable multi-line insurance carrier in the Italian market with broader international group backing.
Zurich Italy: Italian arm of Zurich Insurance offering life and P&C products through agents and bank partnerships. Direct competitor in Italian life savings and P&C with broader international backing.
Generali Italia: Largest Italian insurance carrier offering both life and P&C across multiple distribution channels including bancassurance, agents and brokers. Competes with Arca Vita across life savings, auto, home and small-business lines, but at much greater scale and breadth.
Allianz Italia: Major Italian life and P&C insurer within the global Allianz Group, distributing through agents, brokers and bank partners. Overlaps directly with Arca Vita's life savings and auto/home P&C portfolio with broader product and channel breadth.

Others

BPER Banca (insurance distribution): Arca Vita's largest banking partner and shareholder, distributing Arca life and P&C products through its branches. As a bancassurance channel partner it is structurally comparable to the bank-distribution arms of larger Italian banking groups.

Regional players

HDI Italia: Italian arm of HDI Group offering P&C and life products through agents and brokers, focused on Italian SME and retail customers. Comparable mid-tier Italian insurance competitor with similar multi-line product set.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

Arca Vita financial estimates

Financial estimate

Revenue estimate

Valuation estimate

Arca Vita leadership team

Management profile

Number of profiles

Arca Vita subsidiaries and ownership

Company hierarchy

Subsidiaries4 records

Arca Vita funding detail

Funding detail

Funding overview

Funding rounds

Investors

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

Arca Vita M&A and investment

M&A and investment

M&A

Investments

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

Frequently asked questions about Arca Vita

What does Arca Vita do?

Is Arca Vita a public or private company?

Arca Vita is a private company. It is classified as corporate owned and is currently operating.

When was Arca Vita founded?

Arca Vita was founded in 1987. It employs 251 to 500 people.

Where is Arca Vita based?

Arca Vita is headquartered in Verona, Italy, in the Europe region.

How does Arca Vita make money?

Two revenue lines are on record. Life Insurance Premiums are the primary driver. The others are property and Casualty Insurance Premiums.

Who are Arca Vita's main competitors?

Direct peers on record are Vittoria Assicurazioni, Intesa Sanpaolo Vita, Reale Mutua and CNP UniCredit Vita. Broad incumbents are AXA Italia, Zurich Italy, Generali Italia and Allianz Italia. BPER Banca (insurance distribution) is listed as an others. HDI Italia is listed as a regional player.

Does Arca Vita have an API?

No public API is recorded for Arca Vita.

What industry is Arca Vita in?

Arca Vita's product category is Bancassurance Insurance. Its primary akta.pro industry code is FSAIABAD, Variable Universal Life (VUL) Insurance, with a secondary code of FSAJAMAN, Travel & Accident (Non-Life) Insurance. Its NAICS code is 524113 and its SIC code is 6311.