The Aperlena Verdict
Open raceNo supplier dominates: 27 different companies have won the last 35 comparable contracts from this buyer over 5 years. This is a genuinely open race.
Based on 35 comparable awards by this buyer in this sector over 5 years. Every verdict is recorded before the outcome and graded against the award notice. How we score ourselves.
Summary
Machine-generated summaryThe Municipality of Cusano Milanino (Milan) is procuring insurance services for the period from 31/12/2026 to 31/12/2029 through an open European multi-lot procedure run on the 'Acquisti Telematici' digital platform of DigitalPA S.r.l., awarded on the basis of the most economically advantageous tender judged by best quality-price ratio. The contract is split into lots covering 'All Risks Property' and 'RC Patrimoniale' (property liability) insurance, a cumulative accident insurance policy, motor liability insurance for the vehicle register ('RC Auto - Libro Matricola'), and further lot(s) whose description continues beyond the extract shown.
Description
6 lots
- Lot 1
- GARA EUROPEA A PROCEDURA APERTA, IN MODALITÀ MULTILOTTO, CON IL CRITERIO DELL’OFFERTA ECONOMICAMENTE PIÙ VANTAGGIOSA SULLA BASE DEL MIGLIOR RAPPORTO QUALITÀ/PREZZO, PER L’AFFIDAMENTO DEI SERVIZI ASSICURATIVI PER IL PERIODO 31/12/2026 AL 31/12/2029 IN FAVORE DEL COMUNE DI CUSANO MILANINO - LOTTO 1 – SERVIZIO ASSICURATIVO “POLIZZA ALL RISKS PROPERTY” estimated €340,000 · 36 months
- Lot 2
- GARA EUROPEA A PROCEDURA APERTA, IN MODALITÀ MULTILOTTO, CON IL CRITERIO DELL’OFFERTA ECONOMICAMENTE PIÙ VANTAGGIOSA SULLA BASE DEL MIGLIOR RAPPORTO QUALITÀ/PREZZO, PER L’AFFIDAMENTO DEI SERVIZI ASSICURATIVI PER IL PERIODO 31/12/2026 AL 31/12/2029 IN FAVORE DEL COMUINE DI CUSANO MILANINO (MI) -LOTTO 2 – SERVIZIO ASSICURATIVO “POLIZZA RC PATRIMONIALE” estimated €24,000 · 36 months
- Lot 3
- GARA EUROPEA A PROCEDURA APERTA, IN MODALITÀ MULTILOTTO, CON IL CRITERIO DELL’OFFERTA ECONOMICAMENTE PIÙ VANTAGGIOSA SULLA BASE DEL MIGLIOR RAPPORTO QUALITÀ/PREZZO, PER L’AFFIDAMENTO DEI SERVIZI ASSICURATIVI PER IL PERIODO 31/12/2026 AL 31/12/2029 IN FAVORE DEL COMUNE DI CUSANO MILANINO (MI) - LOTTO 3 – SERVIZIO ASSICURATIVO “POLIZZA INFORTUNI CUMULATIVA” estimated €15,000 · 36 months
- Lot 4
- GARA EUROPEA A PROCEDURA APERTA, IN MODALITÀ MULTILOTTO, CON IL CRITERIO DELL’OFFERTA ECONOMICAMENTE PIÙ VANTAGGIOSA SULLA BASE DEL MIGLIOR RAPPORTO QUALITÀ/PREZZO, PER L’AFFIDAMENTO DEI SERVIZI ASSICURATIVI PER IL PERIODO 31/12/2026 AL 31/12/2029 IN FAVORE DEL COMUNE DI CUSANO MILANINO (MI) - LOTTO 4 – SERVIZIO ASSICURATIVO “POLIZZA RC AUTO - LIBRO MATRICOLA” estimated €78,000 · 36 months
- Lot 5
- GARA EUROPEA A PROCEDURA APERTA, IN MODALITÀ MULTILOTTO, CON IL CRITERIO DELL’OFFERTA ECONOMICAMENTE PIÙ VANTAGGIOSA SULLA BASE DEL MIGLIOR RAPPORTO QUALITÀ/PREZZO, PER L’AFFIDAMENTO DEI SERVIZI ASSICURATIVI PER IL PERIODO 31/12/2026 AL 31/12/2029 IN FAVORE DEL COMUNE DI CUSANO MILANINO (MI)- LOTTO 5 – SERVIZIO ASSICURATIVO “POLIZZA ARD RISCHIO MISSIONI” estimated €6,600 · 36 months
- Lot 6
- GARA EUROPEA A PROCEDURA APERTA, IN MODALITÀ MULTILOTTO, CON IL CRITERIO DELL’OFFERTA ECONOMICAMENTE PIÙ VANTAGGIOSA SULLA BASE DEL MIGLIOR RAPPORTO QUALITÀ/PREZZO, PER L’AFFIDAMENTO DEI SERVIZI ASSICURATIVI PER IL PERIODO 31/12/2026 AL 31/12/2029 IN FAVORE DEL COMUNE DI CUSANO MILANINO (MI) - LOTTO 6 – SERVIZIO ASSICURATIVO “POLIZZA RCT/O” estimated €363,000 · 36 months
- How tenders are scored
- Price; Quality
- Tenders go to
- sua-mbcmm.acquistitelematici.it
As the official notice states them.
Bid or no-bid?
Six questions before you commit a team. Under each one, what the register holds on it. The answers are yours.
Can I bid?
- Open procedure: any interested supplier may submit a bid. Above the EU threshold: open to companies from any EU country.
- The notice is written in Italian.
- Certificates from another EU country? Check the equivalents on eCertis
Official source
Source: TED - Tenders Electronic Daily (Publications Office of the EU)
Always verify details on the official notice.
Report an error in this notice
Last verified against TED - Tenders Electronic Daily (Publications Office of the EU) 14 hours ago
Expected award price
- likely award for this notice, from its published estimate of €826,600
- €314,108 to €586,886
This buyer's comparable awards in this sector came in at a median of 56% of their published estimate, half of them between 38% and 71%, based on 34 awards of the last 3 years.
Each award is compared with the estimate of the same lots, framework agreements excluded. A published estimate may include options and renewals, so an award under it is not always a discount.
What this buyer has paid before
Based on 35 comparable contracts this buyer awarded in this sector over the last 4 years.
- This notice
- €826,600
- Median award
- €23,710
- Middle half of past awards
- €9,823 to €130,497
The estimate is larger than three in four past awards.
Most recent awards
- Insurance services - Open procedure, multi-lot, for the award of insurance cover services for the Municipality of Vittuone (MI) - Lot 5 - 'Kasko policy' insurance cover service €850
- Insurance services - Open procedure, multi-lot, for the award of insurance cover services for the Municipality of Vittuone (MI) - Lot 3 - Personal accident insurance policy €1,452
- Insurance services - Open procedure, multi-lot, for the assignment of insurance cover services for the Municipality of Vittuono (MI) - Lot 4 - Fleet motor liability (RCA/ARD) insurance policy €10,320
- Insurance services - Open procedure, multi-lot, for the award of insurance cover services for the Municipality of Vittuone (MI) - Lot 6 - Legal expenses insurance policy €3,300
- Insurance services - Open procedure, multi-lot, for the award of insurance coverage services for the Municipality of Vittuone (MI) - Lot 7 - 'RC Patrimoniale' liability insurance policy €2,817
Award values as published by the official sources. Use them as a guide, not a rule: scope, lots and duration differ between contracts.
The buyer
Full buyer profileProvincia di Monza e della Brianza
- notices in the register
- 318
- awards
- 196
- awarded in total
- €1.1B
Who wins its contracts
Many suppliers- different companies won its awards
- 139
- of the awards went to the three most frequent winners
- 13%
- of its calls state an estimated value
- 100%
Based on 180 awards with a named winner over the last 3 years. Counted by award, not by value, because lot and framework amounts are not comparable. Concentrated means the three most frequent winners took 65% or more of the awards; many suppliers, under 35% with at least ten different winners.
Competition
- tenders per lot on average (open and restricted procedures)
- 2.8
- of those lots received a single tender
- 48%
- of the awards went to companies based in another country
- 1%
As the official award notices state them, over the last 3 years. Tenders per lot count open and restricted procedures only: in a negotiated procedure or a direct award a single tender is the procedure itself. The country is the one the notice gives for the winner.
One dot per award, on the day it was signed, sized by its value. A ring is an award with no published value.
Who usually wins this buyer's contracts in this sector
| Company | Wins | Total awarded | Last win |
|---|---|---|---|
| SAG SOLUZIONI ASSICURATIVE GLOBALI SRL AGENTE UNIPOL E UNISALUTE | 4 | €464,285 | Mar 2026 |
| AIG EUROPE S.A. Rappresentanza Generale per l'italia | 3 | €5,118 | Jul 2026 |
| MARRONE ASSICURAZIONI S.N.C. | 2 | €58,938 | Jul 2026 |
| ITAS MUTUA | 2 | €21,000 | Jul 2026 |
| BALCIA INSURANCE S.E. | 2 | €8,169 | Dec 2025 |
Based on 35 awards with a linked company profile over the last 5 years.
4 open tenders right now
- Engineering services - Open procedure European tender for design, safety coordination, works supervision and fire safety services for the extraordinary maintenance of the Via Savio nursery school and kindergarten in Agrate Brianza 21 days left
- Insurance services - Open multilot procedure for insurance coverage services for the Municipality of Parabiago (MI) 23 days left
- Special road passenger transport services - Open procedure for the award of school transport service with assistance and reduced environmental impact for the Municipality of Lacchiarella 28 days left
Market context
Larger than 63% of the open notices in Financial & insurance services across Europe.
- open now in Financial & insurance services
- 2,205
- median open notice
- €479,970
Who wins in this market
Many suppliersItaly · Financial & insurance services
- different companies won awards here
- 626
- of the awards went to the three most frequent winners
- 10%
- buyers awarded contracts here
- 667
Based on 1,160 awards with a named winner over the last 3 years. Counted by award, not by value, because lot and framework amounts are not comparable. Concentrated means the three most frequent winners took 65% or more of the awards; many suppliers, under 35% with at least ten different winners.
Competition
- tenders per lot on average (open and restricted procedures)
- 2.1
- of those lots received a single tender
- 28%
- of the awards went to companies based in another country
- 6%
- of the tenders came from another country
- 9%
As the official award notices state them, over the last 3 years. Tenders per lot count open and restricted procedures only: in a negotiated procedure or a direct award a single tender is the procedure itself. The country is the one the notice gives for the winner.
Similar tenders
Open now
23
days left
€1,200,000
est. value
28
days left
€670,000
est. value
Awarded before
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