Digital motor claim form with SPID: what changes for drivers and insurers
Digital motor claim form with SPID: what changes for drivers and insurers
From 8 April 2026, all insurers must offer a digital accident report form
From 8 April 2026, the digital motor claim form becomes standard across the Italian insurance market. All insurers are now required to provide customers with an electronic version of the European Accident Statement (commonly known in Italy as CID), completing a transition that began on 1 July 2025 with guidance issued by IVASS.
The digital form complements the traditional paper version and carries the same legal validity, provided it is signed using an advanced electronic signature, typically via SPID or the Electronic Identity Card.
When the digital form can be used
The conditions remain aligned with the traditional process. The digital claim form can only be used when:
- no more than two vehicles are involved;
- both drivers agree on how the accident occurred.
It is therefore designed to streamline the handling of the most common, low-complexity claims.
How the process works
Each insurer integrates the service into its apps or customer portals. The process is guided and structured:
- access via the app or secure customer area;
- indication of location, date and time;
- reconstruction of the event, often using predefined diagrams;
- upload of photos taken at the scene;
- signature via SPID or equivalent systems.
The document is transmitted in real time to the insurer’s systems. Drivers can also submit their own statement independently, even if the other party does not use the digital tool.
Benefits and limitations of the new system
Digitalisation brings clear operational advantages:
- fewer completion errors;
- elimination of paper-based processes;
- enhanced security through digital identification.
The obligation applies to insurers, not policyholders. The paper form remains valid and available, ensuring continuity for those less comfortable with digital tools.
Luigi Mercurio, President of AIPED, has emphasised the importance of maintaining an inclusive approach. A fully enforced digital shift could otherwise risk excluding part of the user base.
An operational shift, not just a technological one
The digital claim form represents a tangible evolution in claims management. It reduces processing times, improves data quality and strengthens anti-fraud controls.
For policyholders and intermediaries alike, the real value lies not only in the technology itself, but in the ability to use it effectively. Ensuring access to platforms and verifying policy data in advance becomes an integral part of risk prevention.
