Amazon Prime: Consegne in 1 giorno lavorativo
And 'it ended last May, the analysis conducted dall'IVASS (Supervisory Authority of Insurance) on the market insurance policies combined with the energy delivery services (electricity and gas) and water and the resulting regulatory actions taken to protect consumers (about the supply mode, information about the existence of the policy, the ability to activate it in case of need.)
The analysis main reason was the increasing spread of packages that combine policies to light delivery services, water and gas and the high number of consumers interested.
These dimensions of the phenomenon (data to 2014):
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Consumers in possession of a policy combined with the bill were 2 million;
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premium income since the launch of tenders (the first in 2011) They amounted to 33 million euro;
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the highest concentration of awards (28 million euro) and be sure (1,5 million) It occurred in the energy sector (electricity and gas).
While the features of the policies are:
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in the energy sector: technical assistance at the home for failure to electrical installations (electrical panel, switch etc.) gas and ("Fleeing after the meter" on the supply lines inside the house) or other type of assistance (sending emergency of a plumber, blacksmith, tapparellista, glazier, repairing appliances), hotel expenses in case of need, reimbursement of bills paid by the insured in a given period in cases of involuntary loss of employment or intervened disability / incapacity;
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in the water sector: the reimbursement of costs resulting from abnormal hidden leaks water, excessive in relation to fixed percentages of historical average consumption (cd. deductibles).
The report continues with a discussion of the costs borne by the policyholders, the procedures for collection of subscriptions and to rescind contracts, with in-depth focus on claims and refusal of indemnity percentages – Claims were very few in absolute terms (14.120 their 2 million policies). The index of the loss ratio (ratio of number of claims and number of policies) it is negligible (about 1%) and it appears symptomatic of the poor aware of the policies by consumers and a lack of transparency in disclosure bill – .
Finally the IVASS reports three tips for consumers:
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if you activate a new relationship for the supply of light, gas, water, watch out for any offers of insurance policies combined with the main contract. Regardless of the channel and the form for submitting tenders have the right to know characteristics, the nature and extent of the covers, policy conditions, costs, effect and duration of the guarantees, withdrawal mode as well as the formalities required to obtain, in case of accident, compensation;
2. occurs in each case, before signing the supply contract, the presence of the application form to the collective policy or the individual insurance contract and make sure the costs and the premium payment mode;
3. if your supply relationships of light, gas, Water is already underway controls, re-reading the documents you have stored or by requesting telephone information operator, if the offer to which you have already signed includes a combined policy and whether and 'will be a cost to you, verifies the procedures of withdrawal.
And you know you have this insurance cover? Did you notice that he had signed the application form? You know when you activate it?
Alex Gaetani