The Chamber of Deputies has approved a majority motion which commits the government to intervene in the car liability insurance sector. The objective is to make the market more transparent, homogeneous across the territory and less exposed to fraud.
What the document asks for
The approved document asks in particular to:
- combat the evasion of the insurance obligation;
- strengthen controls against fraud against companies;
- prohibit the improper use of foreign license plates;
- improve the efficiency of the direct compensation system for accidents;
- strengthen Preventivass, the IVASS public comparator, to allow citizens to compare the companies’ offers more clearly.
Specifically, the choice to combat the improper use of foreign license plates, a phenomenon that had appeared on Italian roads for some time, received great appreciation. However, the opposition’s motions, which called for a broader reform of the system, were rejected.
The political proposals, single tariffs and territorial revision
During the debate, the central theme was that of the territorial disparity in car insurance rates. According to opposition deputies, motorists in Southern Italy pay much higher premiums than those living in the North, even in the absence of accidents.
Avs deputy Francesco Emilio Borrelli proposed “a single insurance rate for those who have not committed accidents for at least ten years”, underlining the need to reward virtuous behaviour.
Marco Sarracino of the Democratic Party took the same line, asking to “overcome the territorial inequity that has penalized entire regions for years”.
The majority motion, however, does not provide for a single tariff but invites the government to evaluate rebalancing mechanisms that take into account the real risk of accident and technological progress in vehicle monitoring.
The reactions of consumer associations
The main consumer associations welcome the motion with caution. For Codacons, the provision is “a positive signal, but now concrete facts are needed to guarantee the rights of insured people”. The association reports that, despite attempts at containment, “motor liability rates continue to rise despite the absence of concrete elements justifying the increases”.
According to Ivass data reported by Codacons, the average premium went from 353 euros in January 2022 to 415 euros in the second quarter of 2025, with an increase of 17.5%, equal to 62 euros more per policy.
Assoutenti also calls for more incisive interventions, underlining that “the only way to lower rates is to overcome the direct compensation mechanism and introduce truly effective insurance supervision”.
Transparency and control: the next steps
The motion also calls for a periodic verification of the effects of the reforms adopted in recent years to measure the real effectiveness of the measures on the market. Among the measures being considered by the government are:
- the simplification of compensation mechanisms;
- greater digitalization of processes;
- a coordinated fight against insurance fraud.
According to Ivass estimates, they represent millions of euros of losses for companies every year.
The experts of the Italian Association of Road Accident Experts have announced that they have already sent the government operational proposals to make car insurance policies more transparent, with the aim of improving the relationship between motorists, companies and intermediaries.
Attention now shifts to Palazzo Chigi, where the methods and timing of the interventions will be evaluated. For the government, the challenge is twofold: to contain costs for motorists and maintain the sustainability of the insurance system, currently under pressure due to the increase in accidents and repair costs.
