Unipol
Unipol Assicurazioni S.p.A. is an Italian multi-line insurer serving 17.6 million clients through 2,000+ agencies and digital channels, offering bundled auto, home, travel, health, pet, and life insurance via its Unica Unipol product, supported by 4.2 million telematics devices and integrated mobility and pension services.
- Company typePrivate
- Founded1963
- HeadquartersBologna, Italy
- Headcount5,001–10,000
- GTM typeB2C
- OfferingServices
What Unipol does
Unipol Assicurazioni S.p.A. is an Italian multi-line insurance and financial services provider founded in 1963 and headquartered in Bologna. It serves approximately 17.6 million clients across Italy through a hybrid distribution model combining more than 2,000 physical agencies staffed by 25,000+ professionals with digital channels (website, mobile app, and telematics-enabled services). Its core product is Unica Unipol, a modular bundled insurance contract that combines mandatory auto liability (RCA), home, travel, health, accident, pet, and life coverage with multi-product discounts of up to 50%.
The company's technology backbone is the UnipolTech telematics platform, with more than 4.2 million installed Unibox and Unibox Smart Move devices providing crash detection, driving statistics, vehicle recovery, and—via partnership with UnipolMove—integrated toll payment. Supplementary service businesses include UnipolGlass (vehicle glass repair network), UniSalute and SiSalute (health services and discount networks), UnipolRental (long-term vehicle rental), and Unipol Previdenza Futura (an individual pension plan registered with COVIP). System integrations include the ANIA database for automatic insurance history retrieval and the Portale dell'Automobilista for real-time RCA verification.
Unipol generates revenue primarily through recurring insurance premiums (auto, home, travel, pet, life, health), management fees on pension and savings products, and subscription/transaction fees from telematics (Unibox) and mobility payment (UnipolMove) services. Pricing is annual subscription with 12-month installment options, featuring aggressive promotional discounts (up to 35% on auto, 50% on pet and travel) tied to bundled multi-product purchases. A potential acquisition of 635 Monte dei Paschi di Siena branches from Intesa Sanpaolo, contingent on regulatory approval, would significantly expand its physical distribution footprint.
Unipol firmographics
Firmographics- Name
- Unipol
- Legal name
- Unipol Assicurazioni S.p.A.
- Website
- https://unipol.it
- Company type
- Private
- Founded year
- 1963
- Operating status
- Operating
- Headcount range
- 5,001–10,000 employees
- Short description
- Unipol Assicurazioni S.p.A. is an Italian multi-line insurer serving 17.6 million clients through 2,000+ agencies and digital channels, offering bundled auto, home, travel, health, pet, and life insurance via its Unica Unipol product, supported by 4.2 million telematics devices and integrated mobility and pension services.
- Ownership category
- akta.pro rank
Unipol industry classification
Industry- Product category
- Personal Lines Insurance (P&C and Life)
- NAICS
- Insurance Carriers and Related Activities (524), Direct Insurance (except Life, Health, and Medical) Carriers (52412), Direct Life, Health, and Medical Insurance Carriers (52411), Agencies, Brokerages, and Other Insurance Related Activities (5242)
- SIC
- Insurance Carriers, Nec (6399), Fire, Marine & Casualty Insurance (6331), Accident & Health Insurance (6321), Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)
- akta.pro secondary industries
- Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity) (HLAEABAJ), Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD), Embedded Travel Insurance Distribution & APIs (THALALAA)
Keywords
Where Unipol is headquartered
LocationHeadquarters
- HQ city
- Bologna
- HQ country
- Italy
- HQ region
- Europe
Offices3 records
Markets served
Unipol business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Supply Chain, Others
Revenue model
- Property and Casualty Insurance Premiums: Collection of recurring insurance premiums from personal insurance products including auto (RCA), home, travel, accident, and pet insurance. Revenue generated through policy renewals and new policy sales via agency network and digital channels.
- Pension and Savings Products: Individual pension plans (PIP Unipol Previdenza Futura) generating management fees from pension contributions and investment returns in separate management accounts. Revenue includes fund management charges and administrative fees.
- Telematics Services: Revenue from telematic device services including Unibox annual subscriptions and UnipolMove toll payment services. Monthly fees for device functionality and transaction fees for toll/parking payments.
- Technology Services: UnipolTech provides telematics solutions for mobility, generating revenue from device sales, service subscriptions, and third-party toll/parking integration services.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Auto insurance (Unica Unipol RCA Auto) with up to 35% discount |
| Unit Pricing | Annual | Windscreen/Glass coverage (Garanzia Cristalli) |
| Subscription | Annual | Travel insurance (Unica Unipol) with up to 50% discount |
| Subscription | Annual | Pet insurance (Cane e Gatto) with up to 50% discount |
| Subscription | Annual | Home insurance (Unica Unipol Casa) with up to 15% discount |
| Subscription | Pay-as-you-go | Pension plan (Unipol Previdenza Futura PIP) |
| Subscription | Monthly | Telepedaggio UnipolMove |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels4 records
Unipol product offering
Product offeringCore offering
Unipol offers a modular multi-line insurance product (Unica Unipol) bundling auto liability (RC Auto), home, travel, accident, health, and pet insurance into a single contract with multi-product discounts, distributed through a network of 2,000+ Italian agencies and digital channels serving 17.6 million clients. The portfolio is extended by telematics devices (Unibox), a toll/parking payment service (UnipolMove), a glass repair network (UnipolGlass), and an individual pension plan (Unipol Previdenza Futura PIP).
Product overview
Unipol is an Italian insurance group offering a comprehensive portfolio under the Unica Unipol umbrella brand, combining auto (RC Auto), home, travel, health, and pet insurance in a single modular contract. The product ecosystem centers on the Unica Unipol platform with add-on telematic devices (Unibox Auto, Unibox Smart Move, Unibox 2Ruote) providing driving assistance, premium discounts, and integrated services. Supplementary offerings include UnipolMove for telepedaggio and mobility payments, UnipolGlass for glass repair network, and Unipol Previdenza Futura (PIP) for pension savings. Digital access is provided through the App Unipol, App Unipol Connect (for telematics), and App UnipolMove (for toll payments), supported by over 2,000 physical agencies and 25,000 professionals serving 17.6 million customers.
Differentiator
Problem solved
Functional benefit
Brands
- UnipolGlass: Network for vehicle glass repair and replacement services
- Unibox
- UnipolMove
- Unipol Previdenza Futura
- UniSalute
- SiSalute
Products and services
- Unica Unipol Modular insurance product combining auto (RC Auto), home, travel, health, and pet insurance under a single contract with customizable coverage options and multi-product discounts, sold to Italian consumers.
- RC Auto (RCA) Mandatory third-party liability insurance for vehicles with optional extensions including roadside assistance, fire, theft, natural events, glass replacement, and driver accident coverage. Sold to Italian vehicle owners.
- Assicurazione Casa Home insurance covering fire, explosion, water damage, theft, third-party liability, electrical damage, natural catastrophes, and legal protection, with up to 15% discount. Sold to Italian homeowners and renters.
- Assicurazione Viaggio Travel insurance with trip cancellation coverage, delay compensation, baggage protection, and customizable medical expense reimbursement. Sold to Italian travelers.
- Assicurazione Cane e Gatto Pet insurance covering veterinary expenses for surgery, third-party liability, legal protection, funeral costs, and 24/7 veterinary consultations, with coverage available for aggressive breeds. Sold to Italian dog and cat owners.
- Assicurazione Infortuni Accident insurance providing financial protection against injury or death, with coverage extendable to family members. Sold to Italian consumers.
- Assicurazione Salute Health insurance offering medical expense reimbursement, hospital coverage, and access to the SiSalute network of healthcare facilities. Sold to Italian consumers.
- Unipol Previdenza Futura (PIP) Individual pension plan (Piano Individuale Pensionistico) offering flexible contributions, tax deductions up to EUR 5,300 annually, life-cycle investment shifting, and Bureau Veritas-certified fairness. Sold to Italian working-age individuals supplementing public pension.
- UnipolMove Telepedaggio and mobility payment service enabling automatic toll payment, parking fee settlement, and ferry bookings through a dedicated device or app integration. Sold to Italian drivers.
- UnipolGlass Network of automotive glass repair and replacement centers providing no-deductible glass coverage, ADAS recalibration, and mobile service options for policyholders. Sold to auto insurance customers.
Quantifiable outcome
- 17.6 million clients/insured across all products
- +4 more outcomes
Companies that use Unipol
Customer profileNamed customers1 record
Segments4 records
Ideal customer profiles4 records
Unipol technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
Feature4 records
Unipol partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Intesa Sanpaolopotential significantIntesa Sanpaolo's proposed €30.6 billion takeover bid for Monte dei Paschi di Siena (MPS) includes a proposal to sell 635 MPS branches to Unipol to address potential competition concerns with Italian antitrust regulators. If the takeover proceeds and regulatory approval is granted, this would represent a significant acquisition of banking branches by Unipol, expanding its distribution footprint in Italy.
Scale indicators6 records
Recent moves6 records
Expansion highlights6 records
Unipol competitors and assessment
Company assessmentDirect peers
- Generali: Italy's largest insurance group and Unipol's most direct domestic competitor, offering P&C, life, and health insurance through multi-channel distribution including agencies and bancassurance partnerships.
- Poste Vita: Insurance arm of Poste Italiane distributing life, health, and P&C products through Italy's postal network — a competing bancassurance-style distribution model relevant to Unipol's potential MPS branch expansion.
- Reale Mutua: Italian mutual insurance group offering P&C, life, and health products to retail and SME customers, competing directly with Unipol across personal lines in Italy.
- Sara Assicurazioni: Italian insurance company affiliated with the Automobile Club d'Italia, focused on auto and mobility insurance — overlapping with Unipol's core auto and Unibox telematics franchise.
- Vittoria Assicurazioni: Italy-listed insurance company with P&C and life offerings distributed primarily through agents, directly competing with Unipol in personal and commercial lines.
Broad incumbents
- Zurich Insurance Italy: Italian subsidiary of Zurich Insurance Group providing P&C and life coverage to retail and commercial customers, overlapping with Unipol's product portfolio.
- Allianz Italy: Italian subsidiary of global insurance giant Allianz, offering a broad P&C, life, and asset-management portfolio that competes with Unipol across virtually every personal line.
- AXA Italy: Italian arm of global insurer AXA, providing P&C, life, and health products through agents and bank partners — direct competitor to Unipol in the Italian market.
Emerging players
- Targa Telematics: Italian telematics and smart-mobility company providing fleet management and connected-car solutions — adjacent competitor in the telematics layer underpinning modern auto insurance products.
- Octo Telematics: Italian telematics service provider focused on usage-based insurance and connected mobility — a direct competitor and potential partner/adapter for UnipolTech's Unibox and UnipolMove ecosystem.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
Unipol social profiles
Digital presenceUnipol compliance and trust
Trust signalCompliance3 records
Unipol financial estimates
Financial estimateRevenue estimate
Valuation estimate
Unipol leadership team
Management profileNumber of profiles
Unipol subsidiaries and ownership
Company hierarchySubsidiaries6 records
Unipol funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Unipol M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Unipol
What does Unipol do?
Unipol offers a modular multi-line insurance product (Unica Unipol) bundling auto liability (RC Auto), home, travel, accident, health, and pet insurance into a single contract with multi-product discounts, distributed through a network of 2,000+ Italian agencies and digital channels serving 17.6 million clients. The portfolio is extended by telematics devices (Unibox), a toll/parking payment service (UnipolMove), a glass repair network (UnipolGlass), and an individual pension plan (Unipol Previdenza Futura PIP).
Is Unipol a public or private company?
Unipol is a private company. It is classified as unknown and is currently operating.
When was Unipol founded?
Unipol was founded in 1963. It employs 5,001 to 10,000 people.
Where is Unipol based?
Unipol is headquartered in Bologna, Italy, in the Europe region.
How does Unipol make money?
Four revenue lines are on record. Property and Casualty Insurance Premiums are the primary driver. The others are pension and Savings Products, telematics Services and technology Services.
Who are Unipol's main competitors?
Direct peers on record are Generali, Poste Vita, Reale Mutua, Sara Assicurazioni and Vittoria Assicurazioni. Broad incumbents are Zurich Insurance Italy, Allianz Italy and AXA Italy. Emerging players are Targa Telematics and Octo Telematics.
Does Unipol have an API?
No public API is recorded for Unipol.
What industry is Unipol in?
Unipol's product category is Personal Lines Insurance (P&C and Life). Its primary akta.pro industry code is FSAGAGAL, Embedded Insurance & Affinity Distribution Platforms, with a secondary code of HLAEABAJ, Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity). Its NAICS code is 524 and its SIC code is 6399.