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Open procedure, in multi-lot mode, carried out via Digitalpa S.R.L.’s ‘TELEMATIC PURCHASE’ telematic platform, with the criterion of the most economically advantageous tender on the basis of the best quality/price ratio, for the award of insurance coverage services to the municipality of Senago (MI)
Procedura aperta, in modalità multilotto, espletata tramite piattaforma telematica “acquisti telematici” di digitalpa s.r.l., con il criterio dell’offerta economicamente più vantaggiosa sulla base del miglior rapporto qualità/prezzo, per l’affidamento dei servizi di coperture assicurative a favore del comune di senago (mi) — original title
Your path to submission
- Deadline: 16 November at 09:00 — 15 days left.
- The submission point is stated in the notice (link on this page).
- Offer and evidence in: Italian.
- Collect your evidence — the eligibility requirements are listed on this page; for many of them the analysis explains how to obtain them.
What the buyer is looking for
OPEN PROCEDURE, PURSUANT TO ARTICLE 71 OF LEGISLATIVE DECREE 36/2023, IN MULTILOTTO MODE, EXPRESSED THROUGH THE ‘TELEMATIC PURCHASE’ TELEMATIC PLATFORM OF DIGITALPA S.R.L., WITH THE CRITERION OF THE ECONOMICALLY MOST ADVANTAGED OFFER ON THE BASIS OF THE BEST QUALITY/PRICE RELATIONSHIP, WITHIN THE MEANING OF ARTICLE 108 OF LEGISLATIVE DECREE 36/2023, FOR THE RELIABILITY OF INSURANCE COVER SERVICES FOR THE FAVOUR OF THE COMMUNE DI SENAGO (MI) Lots: OPEN PROCEDURE, PURSUANT TO ARTICLE 71 OF LEGISLATIVE DECREE 36/2023, IN MULTILOTTO MODE, EXPRESSED THROUGH THE ‘TELEMATIC PURCHASE’ TELEMATIC PLATFORM OF DIGITALPA S.R.L., WITH THE CRITERION OF THE ECONOMICALLY MOST ADVANTAGED OFFER ON THE BASIS OF THE BEST QUALITY/PRICE RELATIONSHIP, WITHIN THE MEANING OF ARTICLE 108 OF LEGISLATIVE DECREE 36/2023, FOR THE RELIABILITY OF INSURANCE COVER SERVICES TO THE FAVOUR OF THE SENAGO COMMUNE (MI) – LOT 1…
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… – INSURACTIVE COVERAGE SERVICE ‘POLIZZA ALL RISKS’; OPEN PROCEDURE, IN MULTILOTTO MODE, EXPRESSED THROUGH DIGITALPA S.R.L. TELEMATIC PURCHASES PLATFORM, WITH THE CRITERION OF THE ECONOMICALLY MOST ADVANTAGED OFFER ON THE BASIS OF THE BEST QUALITY/PRICE RELATIONSHIP, FOR THE RELIABILITY OF THE INSURANCE COVERAGE SERVICES OF THE MUNICIPALITY OF SENAGO (MI) – LOT 2 – INSURANCE COVERAGE SERVICE “POLIZZA RTC/O”; OPEN PROCEDURE, IN MULTILOTTO MODE, EXPRESSED THROUGH THE TELEMATIC PURCHASES PLATFORM OF DIGITALPA S.R.L., WITH THE CRITERION OF THE ECONOMICALLY MOST ADVANTAGED OFFER ON THE BASIS OF THE BEST QUALITY/PRICE RELATIONSHIP, FOR THE RELIABILITY OF THE INSURANCE COVERAGE SERVICES OF THE COMMUNITY OF SENAGO (MI) – LOT 3 – INSURANCE COVERAGE SERVICE “INFORTUNI POLIZES”; OPEN PROCEDURE, IN MULTILOTTO MODE, EXPRESSED THROUGH THE TELEMATIC PURCHASES PLATFORM OF DIGITALPA S.R.L., WITH THE CRITERION OF THE ECONOMICALLY MOST ADVANTAGED OFFER ON THE BASIS OF THE BEST QUALITY/PRICE RELATIONSHIP, FOR THE RELIABILITY OF THE INSURANCE COVERAGE SERVICES OF THE COMMUNITY OF SENAGO (MI) – LOT 4 – INSURANCE COVERAGE SERVICE “POLIZZA RCA/ARD A LIBRO MATRICOLA”; OPEN PROCEDURE, IN MULTILOTTO MODE, EXPRESSED THROUGH THE TELEMATIC PURCHASES PLATFORM OF DIGITALPA S.R.L., WITH THE CRITERION OF THE ECONOMICALLY MOST ADVANTAGED OFFER ON THE BASIS OF THE BEST QUALITY/PRICE RELATIONSHIP, FOR THE RELIABILITY OF THE INSURANCE COVERAGE SERVICES OF THE MUNICIPALITY OF SENAGO (MI) – LOT 5 – INSURANCE COVERAGE SERVICE “POLIZZA KASKO”; OPEN PROCEDURE, IN MULTILOTTO MODE, EXPRESSED THROUGH THE TELEMATIC PURCHASES PLATFORM OF DIGITALPA S.R.L., WITH THE CRITERION OF THE ECONOMICALLY MOST ADVANTAGED OFFER ON THE BASIS OF THE BEST QUALITY/PRICE RELATIONSHIP, FOR THE RELIABILITY OF THE INSURANCE COVERAGE SERVICES OF THE MUNICIPALITY OF SENAGO (MI) - LOT 6 – INSURANCE COVERAGE SERVICE “POLIZZA TUTELA LEGALE”
Contract
Type of service
Clement What the numbers say about this buyer
- In this sector the buyer awards roughly every 3 months (86 awards, most recently July 2026) — by that rhythm the next award was due around October 2026. The last award went to AIG Europe S.A. Rappresentanza Generale per l’Italia.n = 86
- 38% of this buyer's awards went to companies that had already won here before (1,981 awards since 2017, spread over 817 companies). That is well above the sector norm (13%) — newcomers have a harder time here than elsewhere.n = 1,981 awards since 2017
- 3% of awards went to companies from abroad (1,981 awards with a known winner country). Sector average: 16%.n = 1,981
- The median procedure drew 3 bids (932 procedures with a bid count); 32% ended with a single bidder. Sector: median 4 bids.n = 932
- The award came in at a median 62% of the estimated value (202 awards with both estimate and value) — pricing at the estimate is usually too high here. Sector: 56%.n = 202
From this buyer's documented awards; comparison values from the same sector and country. Not a forecast, not legal advice. As of 01/11/2026.
Selection criteria — in the procurement documents
The buyer states in the notice that the selection criteria are in the procurement documents (link on this page), not in the EU form. The document analysis below extracts them from there — bid and evidence in Italian.
Tender documents — direct download
Part of a larger project
- IN MODALITÀ MULTILOTTODeadline 4 Nov
- IN MODALITÀ MULTILOTTODeadline 9 Nov
- IN MODALITA’ MULTILOTTODeadline 13 Nov
- IN MODALITÀ MULTILOTTO, ESPLETATA TRAMITE PIATTAFORMA TELEMATICA “ACQUISTI TELEMATICI” DI DIGITALPA S.R.L., CON IL CRITERIO DELL’OFFERTA ECONOMICAMENTE PIÙ VANTAGGIOSA SULLA BASE DEL MIGLIOR RAPPORTO QUALITÀ/PREZZO, PER L’AFFIDAMENTO DEI SERVIZI DI COPERTURE ASSICURATIVE A FAVORE DEL COMUNE DI SENAGO (MI)Deadline 16 Novthis lot
- PER L’AFFIDAMENTO DEL SERVIZIO DI SVILUPPI EVOLUTIVI DEL SISTEMA INFORMATIVO-GESTIONALE BASATO SU TECNOLOGIA MICROSOFT DYNAMIC 365 BUSINESS CENTRAL IN VERSIONE CLOUD SAASDeadline 17 Nov
- IN MODALITÀ MULTILOTTODeadline 20 Nov
Who has won at this buyer so far
Across all contract types of this buyer — not just this sector. A city buys software and fire engines through the same purchasing office.
| Company | Awards | Period |
|---|---|---|
| S.A.G. SOLUZIONI ASSICURATIVE GLOBALI SRL | 46 | 2025–2026 |
| UNIPOL ASSICURAZIONI SPA | 44 | 2025–2026 |
| SODEXO ITALIA S.P.A. | 34 | 2024–2026 |
| AIG EUROPE S.A. Rappresentanza Generale per l'italia | 32 | 2024–2026 |
| ITAS MUTUA | 25 | 2024–2026 |
How often this buyer tenders this kind of work
Tactics
When this buyer has awarded in this sector, usually 6 or more bids came in. Many compete here — price and references decide. (Based on 52 completed awards — not a statement about this procedure.)
This procedure allows 26 days between publication and deadline — typical in this country is 34 (median of 3,981 procedures). Much tighter than usual: the first week counts.
The deadline falls on a Monday — your last full working day is the Friday before. Have evidence and guarantees together by Thursday.
Foreign bidders
In Italy · Financial & insurance services, 797 contracts went to foreign companies over the last 3 years (of 4,917 recorded awards) — mostly from France, Germany, Spain.
Submission language: Italian.
How to bid
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