Perhaps this time there is a window of opportunity to reduce the inequality between Car TPL rates for motorists from the North and those from the South. Also to stem a phenomenon that now seems unsustainable: the foreign dressing of vehicles where it is often very complicated to trace not only the owners but also to understand if they are in compliance with insurance and other obligations. To give an idea of the phenomenon, one piece of data is enough: out of 53 thousand foreign license plates in Italy at the moment (but they are increasing every day), as many as 35 thousand are in Naples and its province alone. And if the system, especially in the North, often serves to evade or not pay VAT or super tax for luxury vehicles, in the shadow of Vesuvius it serves to significantly reduce insurance costs, now prohibitive for an average family. «It’s the fault of the unsustainable premiums that favor the phenomenon of insurance evasion with many foreign acronyms», he explains Antonio Coviello, national guarantor of insured persons (Andci) during the hearing in the Finance Committee of the Chamber for the examination of the bill for the establishment of a minimum premium on a national basis for those who have not had an accident for a decade, signed by the Avs deputy Francesco Borrelli. And there, in the commission, yesterday, in addition to Coviello, Angelo Pisani, president of Noi Consumers, was heard. Antonio Coppolapresident of Aci of Naples and the insurance broker Angelo Coviello.
The phenomenon
Now the foreign dressing of vehicles towards Eastern countries, especially Poland And Bulgaria, has staggering numbers in Naples. The mechanism is simple: there are some agencies from Campania that have created companies in these countries. They are the ones who arrange for the vehicle to be scrapped in Italy and after about ten days the documents, license plates from another country and a rental contract are delivered. Thus, in addition to not paying taxes, you can avoid not only insurance but also road tax, inspections and fines. And that’s it. Then add us as in the province of NaplesIt is estimated that one vehicle in ten does not have insurance despite having an Italian license plate. And in the event of an accident it is very difficult for an honest citizen to even be compensated.
«It is necessary to apply – is Coviello’s suggestion to the commission – the logic of mutuality, typical of insurance: in the case of a national average premium there would be a decrease in the insurance premium in some provinces, but it would be to the detriment of others where the premiums would necessarily increase ».
«Campania is the region in which the most significant increase has been recorded in the cost of car insurance and this, not only because it is here that fraudulent organizations are continually discovered which add further damage to the territory and to honest motorists, but because sometimes it is the very policy of the insurance companies that eludes a series of strict preventive controls which would certainly help to nip a good part of the illicit temptations in the bud. The checks must be done upstream. This is why we have proposed a law on the single national tariff for those who do not commit accidents, a way to have fairness”, he explains Francesco Borrelli.
From the insurance world, it emerged yesterday, however this time there is not a total closure. «Borrelli’s initiative can represent the beginning of a new path, aimed at recognizing virtuous Italian citizens with preferential tariffs in the absence of accidents», he explains Angelo Coviello representing the insurance sector in the commission. He then explains how «vehicle insurance premiums contribute significantly to state coffers, with approximately 26 percent of the sums paid that support public finances. Consequently up to now, whatever the color of the executive, there has never been a real interest in controlling prices in the Motor TPL sector”. But it is not a closure even if the proposal is to “increase the penalties for false testimonies and simulated accidents, the evasion of the rules relating to the residence of the vehicle and action against subjects who do not intend to take out insurance”. Just to get to a single rate.
