With this article, I reply to some readers of my blog, che mi hanno scritto per avere una panoramica delle ultime novità, in merito alle polizze RC Auto.
The list briefly:
Attestato di rischio
L’ attestazione sullo stato di rischio è un documento importante perché certifica la situazione assicurativa del proprio veicolo: in it are contained among other data, the credit quality, and any accidents occurring in the last five years.
Il nuovo Regolamento IVASS (Organo di Vigilanza sulle Assicurazioni Private) in attuazione dell’articolo 134 the Code of Private Insurance has introduced an important innovation: all information contained in the document are stored in a special electronic database accessible to the Insurance Companies (Dematerialization Attestation Risk).
Following the replacement of the paper document with the information stored electronically, you can no longer use the attestation paper risk at the time of signing the contract with another insurer.
It will be the new Insurance Company, In fact, to draw directly from the Data Bank to acquire such certification. Each insured can register in the website staff of their Insurance Company (also useful to consult his insurance position and the main contractual documents), where you will find your own risk certificate, among the documents concerning his TPL policy, at least thirty days before the anniversary date.
In the absence of registration on the website of the Insurance Company, is always available for your agency need to print the electronic certificate, or to receive it by mail.
Dematerialization of the mark
Ho già scritto sull’argomento The dematerialization of the mark, qui mi limito a segnalare che dal 18 October 2015 It is no longer mandatory to present the paper mark in the Motor TPL.
Control of insurance coverage takes place electronically with the help of a computerized database which allows you to check the insurance regularly by detecting the vehicle license plate. (Ministerial Decree n.110 / 2013).
Contract duration and method of termination
The contract lasts one year and ends when no need to cancel (Art. 107 bis of the Code of Private Insurance).
The policy produces its effects until hours 24 the 15th day following the deadline but no later than the effective date of any new contract for the same vehicle. To extend the contract for a further annuity simply accept the proposal made by the prosecution and pay the new award.
Payment of premium
Per il pagamento del premio RC Auto, è consentito l’uso dei contanti, nel rispetto del limite previsto dalle normative vigenti (relative to TPL contracts, the threshold of € 3.000,00 It is meant by single installment and not on the annual premium).
tax treatment
Ho già scritto sull’argomento Rc cars and Fiscal Federalism, Here I will mention that, the effect of the "Fiscal Federalism" provinces with an ordinary statute can vary the RC Auto insurance tax to the fullest extent of the 3,5% increase or decrease compared to that of the 12,5% Award.
on the Internet site of MEF Department of Finance you can consult the list of provinces that have altered the above rate.
Per altre informazioni, scrivetemi a info@economiafamiliare.it
Come al solito, vi risponderò o direttamente alla mail o, come in questo caso, with an article that applies to more readers.
Let me point out some readings, utili ad approfondire sugli argomenti trattati nell’articolo:
How to Calculate A Quote RC Cars
Alex Gaetani