Several research studies show that in Italy about 70% expressed skepticism about the insured of the Insurance Companies, but then about 60% of them agrees with the principle that life is quieter with a good insurance.
The descent of trust against insurers is definitely linked to the intrinsic character of the activity that is based simply on a promise of money or service, which will be maintained only if there is a certain risk, against payment of "certain" of the insurance premium by the insured.
In most insurance suffer, in terms of loss of confidence, for negative spillover effects for distorted behaviors, maybe a few, in the implementation phase of the promise made.
Plus you add the vexed question of tariff (the increase in the Motor TPL premiums) which often diverts attention from the important plan comparison between the insurer and the insured related to the "moment of truth" for the management of an accident and / or stage of service delivery.
So what I ask for the insured, reading the completed questionnaires from consumer associations, is that insurers are there when you need it (serious claims, simplicity of language, etc.) and everything would seem impossible since some companies have prepared real "commitment cards" where, for example, the Company is obligated to pay for any delays or defects in the internal procedures of working practices left and / or liquidations.
Alex Gaetani
To learn more about insurance and claims management aspects (direct compensation, etc.), I recommend reading the following books: