Diapositiva 1

50th Anniversary
October 1st 2015
UNINSURED VEHICLES
SPECIFIC ISSUES IN ITALY
Mr. Stefano Re
Uninsured driving
Introduction
Bodies involved in the motor market:
MCTC, Motorizzazione Civile (official
authority for vehicle registration and
technical inspection)
 PRA, (public registry of car owners)
 Police authorities (enforcement of the
laws on deemed Insurance cover)
 ANIA, Association of Italian Insurers

Introduction:

Competent bodies:

CONSAP: public body with functions (among others) of
Guarantee Fund for the victims of road accidents
Competent for claims in Italy arising from accidents caused
by uninsured vehicles

UCI: National Bureau for cross border traffic of motor
vehicles, competent to
- handle claims occurred in Italy arising from the circulation
of vehicles registered and insured abroad;
- compensate claims in Countries signatories of Section III of
the Internal Regulations, arising from accidents caused by
Italian uninsured vehicles
Italy
MTPL law code and Road Traffic code
provisions:
All motor vehicles, including trailers,
which are deemed to bear a registration
plate must be insured against MTPL
 Exclusions: vehicles used or parked in
private areas (private loans, garages, cardealer shops, airports, etc.)

Italy: MTPL law code and Road Traffic code provisions
All motor vehicles must show a “vignette”
printed by the Insurer with indication of
the registration plate and date of expiry
of the cover
 All motor drivers must carry in the
vehicle an insurance certificate
 The above provisions are in force until 15
October 2015

Italy: MTPL law code and Road Traffic code provisions
Italy:MTPL law code and Road Traffic code provisions
In case of uninsurance:
- vehicle seized immediately
- penalty raised against the driver from € 841,00 up to € 3.336,00
(according to the vehicle and expiry of the last insurance period)
Italy:MTPL law code and Road Traffic code provisions
If a new policy is purchased within 15 days or the vehicle
demolished at cost of the owner within 30 days, the penalty is
reduced down to 25%
To receive back the vehicle it is necessary to show a new policy
with at least 6 months validity and to pay another amount for the
days in which the vehicle was “parked” in a depot and other
administrative costs
Italy: MTPL law code and Road Traffic code provisions

In case of uninsurance and falsified documents
(vignette and/or certificate), the vehicle is seized,
the driver is indicted for falsification and jailed
from 6 to 12 months, his/her driving licence
suspended for 1 year

Even if the driver can prove that he/she did not
falsify the document but purchased them “in good
faith” from an illegal agent, he/she still bears
liability for un-insurance driving
Italy: MTPL law code and Road Traffic code provisions

In case of uninsurance and falsified documents
(vignette and/or certificate), the vehicle is seized,
the driver is indicted for falsification and jailed
from 6 to 12 months, his/her driving licence
suspended for 1 year

Even if the driver can prove that he/she did not
falsify the document but purchased them “in good
faith” from an illegal agent, he/she still bears
liability for un-insurance driving
Italy: motor vehicles data

Motor vehicles registered by
Motorizzazione Civile as of 2013
43.946.758

Out of 44 mln vehicles about 1 mln out of
circulation but still registered
(unsold used cars, exported, stolen,
destroyed or dismantled vehicles but still
officially registered )
UNINSURANCE LEVEL IN ITALY
YEAR 2013
Data collected from local police authorities
courtesy of ANIA – Italian Motor Insurance Association
INSURED
VEHICLES
Area
UNINSURED
VEHICLES (EST.)
TOTAL VEHICLES
IN CIRCULATION
UNINSURED
RATE
North
Center
South
20.922.669
9.404.200
10.095.768
1.172.311
829.798
1.522.011
22.094.980
10.233.999
11.617.779
5,3%
8,1%
13,1%
TOTAL ITALIA
40.422.637
3.524.121
43.946.758
8,0%
In 2012 the estimate was about 3,1mln uninsured vehicles (7%)
In 2014 still unofficial data report about 3,9 mln uninsured vehicles (8%)
Sergio Desantis – Servizio Attuariato, Statistiche e Analisi Banche Dati – ANIA
13
Reasons for uninsurance
• High premiums
• Bad attitude towards
Insurance
• Ignorance about
Insurance
• Poor enforcement of
laws
• Easy way-out in case
of troubles
Cost of Uninsured driving in 2013
(irrespective of year of the accident)

2012 Overall amount of claims reserves
(RBNS + IBNR) Euro 1.179.000.000,00

2013 Overall amount of claims reserves
(RBNS + IBNR) Euro 1.271.000.000,00

Paid Compensation Euro 148.000.000,0

Overall liability to Guarantee Fund
240.000.000,00
Euro
Data source: courtesy of CONSAP
UCI

In its capacity of Handling Bureau:

In 2014 opened 46.483 claims for
compensation out of which 41.210
handled by correspondents

handled 5.281 claims directly out of which
1.024 concerned uninsured vehicles
CLAIMS ABROAD

In its capacity of Guaranteeing Bureau in
2014 UCI took in charge 366 claims
provoked in Countries signatories of
Section III of the Internal Regulations by
Italian uninsured vehicles (-15,3% in
respect of 2013)
Uninsured vehicles: number of claims
reported abroad over the last 10 years
500
450
400
350
300
250
200
150
100
50
0
2005
2006
2007
Total number 4088
2008
2009
2010
2011
2012
2013
2014
Uninsured vehicles: distribution of
claims by Country over the last 10
years
250
200
2005
2006
2007
150
2008
2009
2010
2011
100
2012
2013
2014
2015
50
0
A
B BG CY HR DK FIN F
D UK GR IRL LV LT
L
M
N NL PL
P CZ SK RO SRB SLO E
S CH H
Uninsured vehicles: distribution of
claims by Country over the last 10
years (top 8)
250
200
2005
2006
150
2007
2008
2009
2010
100
2011
2012
2013
2014
50
0
A
B
F
D
GR
RO
E
CH
AUSTRIA
BELGIUM
FRANCE
GERMANY
GREECE
ROMANIA
SPAIN
SWITZER
LAND
OTHERS
Uninsured vehicles: amounts
reimbursed to Handling Bureaux over
the last 10 years (by year)
€ 2,500,000
€ 2,000,000
€ 1,845,095
€ 1,743,132
€ 1,620,241
€ 1,603,641
€ 1,485,533
€ 1,500,000
€ 1,388,442
€ 1,297,138
€ 1,288,884
€ 1,000,000
€ 500,000
€2006
2007
2008
2009
2010
2011
2012
2013
2014
€ 1,920,531
UNGHERIA
SVIZZERA
SVEZIA
SPAGNA
SLOVENIA
SERBIA
AUSTRIA
BELGIO
BULGARIA
CROAZIA
DANIMARCA
FINLANDIA
FRANCIA
GERMANIA
GRAN BRETAGNA
GRECIA
IRLANDA
LETTONIA
LITUANIA
LUSSEMBURGO
MALTA
NORVEGIA
OLANDA
POLONIA
PORTOGALLO
REPUBBLICA CECA
REPUBBLICA SLOVACCA
ROMANIA
Reimbursements to handling Bureaux
over last 10 years, by year
800.00
700.00
600.00
500.00
400.00
300.00
2013
200.00
2012
100.00
2011
2010
2009
2008
2007
2006
2005
Reimbursements to handling Bureaux
over last 10 years, by Country (top 8)
2005
2006
2007
2008
2009
2010
2011
2012
2013
2014
€ 1,400,000.00
€ 1,200,000.00
€ 1,000,000.00
€ 800,000.00
€ 600,000.00
€ 400,000.00
€ 200,000.00
€FRANCIA
GERMANIA
GRAN BRETAGNA
GRECIA
ROMANIA
SPAGNA
False green cards: number of claims
reported over the last 10 years
140
123
120
102
100
86
78
80
60
55
55
53
40
36
35
2011
2012
31
20
0
2004
2005
2006
2007
2008
2009
2010
2013
False green cards: number of claims
reported over the last 10 years (by
year and Country)
60
50
2004
2005
40
2006
2007
2008
30
2009
2010
2011
20
2012
2013
2014
10
0
AL
BiH
BG
YU
FYROM
MA
MD
RO
RUS
SCG
TN
TR
UA
ROMANIA
number of claims arising from the
circulation of uninsured Italian
vehicles in Romania
300
250
200
150
100
50
0
2007
2008
2009
2010
2011
2012
2013
2014
Amounts reimbursed to BAAR over
the past 10 years
€ 1,200,000.00
€ 1,000,000.00
€ 800,000.00
€ 600,000.00
€ 400,000.00
€ 200,000.00
€2007
2008
2009
2010
2011
2012
2013
2014
Actions to fight uninsurance
Actions to fight uninsurance
15 October 2015
The law decree “liberalisations” n. 1/2012 conv. into Law
27/2012 and its implementing regulation decree n.
110/2013
foresees the coordination of public and private
databases handled by MCTC and ANIA
 The “vignette” disappears
 Police checks insurance cover online
 Road traffic cameras (speed-traps, LTZ, etc.) collect
reg. plates which may be remotely controlled
Actions to fight uninsurance

Un-insured vehicles may be found even
remotely
A camera on a road in Rome, during the first 2
hours of activity allowed to notify 100 penalties
out of 600 vehicles checked: among these, 36
concerned uninsured driving and 48 missing
technical survey.
Actions to fight uninsurance
Uninsurance and insurace fraud are often close
relatives
AIA, Archivio Informatico Antifrode
New huge database managed by IVASS the public
body with functions of Supervisory Authority on
finance, banking and insurance activity
The database collects info from several different
databases managed by public and private bodies:
AIA: contributing DBs









MCTC vehicle registrations, driving licences,
State: population anagraphic registry,
Tax Agency: anagraphic registry
Police: declarations of theft, criminal records
INPS: National Social Insurance records
INAIL: injuries records
ANIA: claims reported to Insurers, claims history
report
CONSAP: claims reported to the GF
UCI: claims involving foreign vehicles
New challenge for the Insurance
market






Also the vehicle claims history report was
dematerialised
Necessity to check databases before issuing a
new contract
Necessity to update databases in real time
Opportunity to have real-time information about
claims reported to previous insurer close to
expiry date
Opportunity to cross-check other databases to
verify status of new customers
Opportunity to save money by reducing printed
documents (except the green card!)
Thank you for your attention and…
drive insured!
[email protected]