practical guide and advice to save on compulsory insurance

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practical guide and advice to save on compulsory insurance


One of the biggest expense items for Italian families for owning their car is undoubtedly the TPL policy. It’s the policy on Public liability. Compulsory insurance to be able to travel with your own vehicle, whether it is a car or a motorcycle. Motor vehicle liability insurance is compulsory and must always be paid for, otherwise the administrative consequences, i.e. fines and penalties, are quite significant and go hand in hand with the risks incurred in the event of a loss caused without being covered. by the corresponding insurance. .

Over the years, many rules have been introduced to facilitate access to this type of policy for car owners, also because in Italy these policies can be quite expensive. Today, the so-called family automobile civil liability policy is in force. A new option policyholders have to save on insured cars beyond their first (but not just cars).

The bonus-malus mechanism of automobile liability insurance

Insuring a car in Italy means insuring it for Civil Liability towards third parties. In other words, the law obliges those who travel by car to take out insurance in the event of damage to third parties, both to things and to people.

Of course, you can also insure other things, such as damage to your vehicle, your person, theft or fire. But these are additional guarantees, which are not mandatory as the aforementioned Rc Auto is instead.

In Italy, apart from specific formulas and now little used both by entrepreneurs and by companies as a portfolio (franchise for example), the TPL provides for the Bonus Malus mechanism. This is a reward mechanism that saves on the contract price (known as the premium), for those who are virtuous behind the wheel. The less damage you cause, the less you pay. This is the principle of the Bonus Malus policy.

The Bonus Malus system in RC Automobile insurance

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A total of 18 merit classes are provided. At first insurance, you automatically enter class 14. Each year that passes without any accident brings you down one class. Each accident caused increases by 2 classes. It is clear that class 1 is the cheapest, while class 14 is the most expensive (the highest are used when policyholders cause one or more claims during the first years of insurance).

The class of merit we are talking about is the so-called universal class. Then there are the internal classes of the company of which you are a client. Classes valid only in the circuit of this insurance company. For example, there may be a class -1, or a -2, assigned to drivers who have not caused claims for more than 14 years and are therefore even more rewarded on the amount to be paid for the policy. An insured in class -2 who changes company at the end of the contract will in all cases take universal class 1 with his new insurer.

Because new drivers pay more

The class system for Rc Auto Bonus Penalty has a first effect on the policies of new drivers, or those who insure a vehicle in their name for the first time. Indeed, insurance companies work on a risk basis. Statistics in hand, new drivers are those who cause the most claims and therefore, even in the same class with an insured who has an older driver’s license, they pay more.

And this comes from the fact that often the mandatory policy for a novice driver, this may cost more than the cost incurred to purchase, perhaps, an old, small used vehicle. The risk certificate is very important in the TPL policy. This is the document that is issued each time the contract expires, on which the previous years of insurance are noted, with all the claims caused (known as previous claims).

A risk certificate with 5 years of insurance seniority and with zero accidents caused, it is the certificate that allows you to save the most on the Motor TPL policy, always in relation to the class of merit assigned. It is clear that for a company which, as mentioned, works on risk, if an insured has a certificate with fewer years of insurance seniority, the risk is higher and therefore the premium to be paid to the insured increases.

The formulas to pay less, when fully operational there is the family TPL policy

The policy has been introduced since 2020 Rc family car, a broader and more incisive version of the old Bersani law policy. With the Politics Rc Family car, even vehicles subsequent to the first, of a family unit, are insured in the most advantageous class of merit, which is that of the first vehicle of the aforementioned family.

Thus, the car of the child rather than that of the wife can benefit from preferential treatment of the most advantageous class from the first insurance. This advantage applies not only to cars, but also to motorcycles or any other second, third, etc. family unit vehicle.

Between family policy and the Bersani law

This is the most obvious advantage that the family car insurance policy compared to the previous Bersani law. The latter allowed the same application of the class of merit of the first vehicle, to the second belonging to a family unit. But only to the second vehicle. The family automobile civil liability insurance policy, for its part, extends to all vehicles subsequent to the first and without distinction of type (with the Bersani law for example, only cars and cars could be connected and not cars and motorcycles).

Moreover, the Bersani Law provided for this faculty only and exclusively to the first insurance. In practice, the benefits of the most advantageous class of merit could be requested with the Bersani law, only in the case of the first insurance of the second vehicle. For example, you could not benefit from the advantage if the second car was already insured the previous year by another company or by the same company.

With the family RC contract, on the other hand, at the annual expiration of an insurance contract, you can choose to apply the preferential treatment of the law.

Some examples of family civil liability policies

To clarify, nothing better than a few examples. A family made up of father, mother and son, can insure all their vehicles to the merit class of the father, who perhaps after years and years of virtuous driving has class one. So if in 2022 the mother buys the second car and the son his first motorcycle, at the father’s company, this is where the latter has his own car policy, the two new vehicles are insured with the policy on the Public liability vis-à-vis third parties, in first class.

Same as the son was already insured with another company with his motorbike, bought years before and the mother was insured with another company with her car, also in this case, bought years before. Maybe the mother had one liability insurance policy with merit class 12 and the son the bike with merit class 13. By changing company and connecting to that of the father, when the annual contracts for the motorbike or the car expire, you will be able to benefit from the most favorable treatment.

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