Starting today, Monday February 17, l'Rc family car will give the possibility of insuring a vehicle, even of a different category, such as a scooter or a motorbike, with the best class of merit available within the family unit.
But one new – contained in an amendment to the Milleproroghe decree, under discussion – could change an important point. It is the introduction of a sort of supermalus for motorcycles and mopeds that cause accidents with damage exceeding five thousand euros: "In the event of an accident - reads the proposed amendment signed by Deputy Dem Claudio Mancini - in which a driver placed in the most favorable class of merit for the vehicle of a different type is made exclusively or principally responsible and resulting in the payment of an indemnity totaling more than five thousand euros, the insurance companies, at the first subsequent expiration of the contract, may assign, only for the vehicle of a different type involved in the accident, a higher merit class up to five units with respect to the criteria indicated by IVASS”. Something more will therefore be known from Tuesday onwards, when the conversion process of the Milleproproghe decree will resume, but in the meantime the law on family car liability is fully operational. What changes?
FROM CAR TO MOTORCYCLE AND VICE VERSA
The largest share of beneficiaries of the new rule on family car liability will, in fact, be the families who have at least a car and a motorcycle: in this case, to insure the two-wheeled vehicle or vice versa, members can use the class of merit more favorable among those accrued by anyone in the household. A situation that emerges from a survey carried out by mUp Research and Norstat for Facile.it, will concern 18% of respondents, equal to about 3 million families.
FROM CAR TO CAR
The current insurance system, thanks to the Bersani decree, allows family members, in case of purchase of an additional vehicle – both new and used – to use the most favorable class of merit accrued on another car, either by remaining tied to the same company or by changing it. Therefore, Italian motorists will be able to use the most favorable class of merit to insure too vehicles already owned by the household. This case study could concern 15,5% of respondents, or about 2,6 million families.
THE EXCLUDED
Insured persons who are already in the first class cannot benefit from family liability insurance merit class, i nuclei that have only one vehicle and, as indicated by the regulation itself, all the policyholders who have caused moles 5 years prior to an accident with negligence.
“Starting today – claims the President of Codacons, Carlo Rienzi – insurance companies will no longer have excuses and will be obliged to apply the family car liability to customers who request it. In case of refusal or obstacles in the exercise of this right, it would be a violation of the regulations in force, and for this reason we invite consumers to report any incorrect behavior to Codacons which would lead to a flurry of complaints".
