CAR INSURANCE MOTORCYCLE INSURANCE TRUCK INSURANCE OTHER INSURANCE QUOTE ARCHIVE Follow us Advise us cercassicurazioni.it (home) > news > why are italian motor and motor tpl policies the most expensive in europe? Why are Italian TPL policies and motorcycles the most expensive in Europe? The situation on the high RC rates has not improved, Italian insurance companies remain the most expensive in Europe, together with those in Great Britain. In Italy there are more than 41 million vehicles insured, in 2012 the total expenditure for car insurance was 18.5 billion (excluding taxes), this means about 450 euros per policy and 560 euros with tax charges. Since 1994, when the liberalization of the auto insurance sector began, prices have increased and in 18 years the average price of a civil liability insurance has grown by 63% (Ania data). But how did we get here? Already in 1994 the expensive tariffs were under the magnifying glass, so much so that the first liberalization of the sector took place precisely in that year. But shouldn't liberalization have opened the doors to greater competition between companies and guarantee more competitive and therefore cheaper rates? The answer is “yes, it should have”… competition between insurance companies has certainly increased but average prices have not decreased in the way expected. But then what is the real cause that hinders the lowering of TPL rates for cars and motorcycles ? In Italy the main problem is the phenomenon of fraud against the companies and the size of the cost of claims , which are very often “inflated” . The trend in insurance rates is closely linked to the trend in the cost of claims that insurance companies have to bear each year to provide compensation. In addition, every accident caused by a vehicle without insurance and for which compensation is requested, is a cost that is recharged on the policies of honest citizens . Let's explain better what it means: for those who suffer damage caused by an uninsured vehicle, the Road Victims Guarantee Fund will take care of the compensation , which covers all damages to people, while for those to property it provides an excess of about 500 euros. The problem is that the Guarantee Fund is fed thanks to a sum equal to 2.5% recharged on each policy signed by the honest motorist who pays to insure the vehicle and who is therefore forced to pay even for those who do not. The phenomenon of uninsured vehicles Failure to take out insurance for your vehicle is becoming a social problem. In recent years, the phenomenon of uninsured vehicles has increased worryingly, in 2012, according to data from Ania, there were more than 3 million uninsured vehicles . The President of ACI, Angelo Sticchi Damiani, also raises the alarm on uninsured vehicles: without policy 9% of cars, 15% of motorcycles and 17% of vans. The solution The Ministry of Transport has begun to collaborate with Ania which, having all the data from the Companies, transmits the insurance positions to the Office on a daily basis. In this way, the Ministry has built an archive of all the Italian insurance positions which, crossed with the data of Ania, makes it possible to detect unclear insurance situations , or those situations without regular review . Thanks to the electronic recognition of the license plate, the data will be compared with those of the archive and if the presence of that vehicle in the black lists is detected, with an unclear position or without revision, the official verification will start. In the future, failure to review could trigger a real sanction . CercAssicurazioni.it srl Insurance broker registered with the RUI number B000278298 VAT number 06294720963 - Copyright 2008-2016 cercassicurazioni.it srl is part of Gruppo MutuiOnline SpA, a company listed on the STAR segment of the Italian Stock Exchange For more information, visit www.gruppomol.it The society Who is CercAssicurazioni.it Terms of use Privacy Pre-contractual information Advise us About us News Service How does it work Complaints Car Insurance Motorcycle insurance Truck insurance Travel insurance Home insurance Retrieve quotes Mobile iInsurance site map Insights Driving RC Cars and Motorcycles Guide to different risks What to do in the event of an accident How to change the company Insurance products Faq Glossary Partners and products Direct Line Quixa Genialloyd Linear ConTe.it Zurich Connect Your Insurance ¹ Genertel Genialclick Prima.it Direct Insurance Italian Insurance Direct Line Self Service Companies and Partners Insurance Policies ¹ Through collaboration with the ITUS Srl agency