“We learn from reading the drafts that a regulation could be approved that would extend the direct compensation regime for the management of claims also to insurance companies with registered offices in a foreign state of the European Union. The measure, if approved, would risk producing a generalized increase in motorcycle insurance policies, estimated at around 20% of current prices “. This is what he wrote in a note this morning Confindustria ANCMA (National Association of Cycle, Motorcycle Accessories), commenting on the contents of the Competition bill being examined by the next Council of Ministers.
Direct compensation, introduced in our system in 2007, provides that the driver who suffers an accident is not compensated by the insurance of the person responsible for the accident, but by his own: the latter will then receive a flat-rate reimbursement from the driver’s insurance that caused the accident. “This mechanism – underlines the association – over the years it has generated positive effects on insurance premiums and, above all, on the timing of compensation, but, as clearly highlighted by a study commissioned by the LUISS University, it works when vehicles belonging to the same category are involved in the accident (for example two cars) , while it jams when the accident vehicles belong to different categories (for example cars and motorcycles). The problem is evident in the case of two-wheeled vehicles, since most of the accidents involving scooters or motorcycles occur with vehicles of different categories (usually cars). In summary, the direct indemnity produces distorting effects that translate into an increase in insurance costs for the motorcyclist insured ”.
For these reasons, in recent years the motorcycle insurance market has turned to foreign insurance companies which, not being subject to the direct compensation regime, can guarantee insurance coverage that is not penalizing for the end user. In this way, the average premium paid by motorcyclists in the last 5 years has been reduced by 16%, guaranteeing the same level of service to the population. Over the years, this phenomenon has increased the number of two-wheeled vehicle insurance companies, encouraging competition, with the effect of limiting insurance costs, which had previously reached levels that were no longer sustainable. Hence the concern for a measure whose benefits do not appear clear, but only the negative impacts, since, if approved, it would have an immediate impact on users’ pockets. Moreover, in recent days the European Parliament has almost unanimously approved a package of measures that partially modifies Directive 2009/103 / EC concerning motor vehicle liability insurance. The directive now effectively inhibits the possibility of suspending insurance coverage during periods of inactivity of the vehicle by keeping it in a private place, exploited above all by motorcycle owners. “If foreign companies are forced to join the direct compensation system, motorcyclists, already penalized by the recent prohibition of the winter suspension of the policy, would suffer a further increase in prices. A measure – ANCMA concludes – which would cause serious damage to motorcyclists, industry and sustainable mobility to which the world of two wheels makes a decisive contribution ”.
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