The X National Congress of Actuaries, held in Rome from 5 to 7 June this year, got into the heart of the debate on Motor TPL. An attempt has been made to solve the problem in a unambiguous way – it was underlined – by introducing rules in sequence which have only achieved the effect of complicating rather than simplifying, creating confusion and interpretative doubts which have certainly not helped the market.
For this reason, the actuaries from Rome are launching a proposal for a working group that can finally resolve the situation. “We ask that the Government, i.e. the Minister of Economic Development – stated Giampaolo Crenca, president of the National Council of Actuaries – open an extended working table with IVASS, ANIA, the Order of Actuaries, Representatives of the distribution channels, Consumers' Associations, the Ministry of Health and any other interlocutors, with a constructive spirit, to line up all the technical and non-technical problems in order to find a single solution, this time converging, definitively eliminating any interpretative doubts".
In the various interventions, a list of the most pressing problems was made: fraud; the difficulties encountered in containing the cost of claims; the use of the black box; the abolition of the tacit renewal; the extension of coverage by 15 days; the obligation of three estimates; the possible application of the "two-year tariff"; the basic contract; the effect of the Bersani law which effectively nullified the bonus-malus system, without counting further multiple issues not regulated on the tariff plan which generate continuous interpretations: the functioning of the direct compensation system, the age-old problem of the obligation to contract , the costs and methods of distribution, transparency, the failure to resolve the problem of macro disabilities.
It therefore seems inevitable, according to the actuaries, to reverse course, resolve some essential knots and shake off doubts and interpretations.
