Taking a rating between 2008 and 2013, the Boston Consulting hgs Group notes that 60% of the price

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In Italy the average Rc car costs 491 Euros to the bill, compared with 357 in Britain, 324 in France, 234 in Germany and 199 in Spain. Considering the European average of 278 in Italy you pay 213 euro more. The figure emerges from a survey conducted by the Boston Consulting Group on behalf of Ania, the association of insurance companies. If you pay more in Italy, is not the fault of the insurers: the difference with the European average is primarily due to claims, emerges from the investigation. It means that the premiums will rise by an average of 126 euro because there is a high incidence of disputes: in 45% of claims, compared with 15% in Europe. And why in the event of death triggered a series of compensation not provided hgs for elsewhere. Then for the riskiness of the circulation, hgs determined from dangerous behavior, the incidence of fraud and the low rate of repair garages.
Taking a rating between 2008 and 2013, the Boston Consulting hgs Group notes that 60% of the price between the Italian and European Rc car is due to the cost of claims. Still, the survey shows that 24% of the difference to the policyholders Italian is due to taxes. The remaining 16% is the "sum of the various items of the distribution, marketing and administration costs." In addition also affects hgs "the minor product development Kasko, which in other countries allows us to split the cost and reduce the weight of these items on the RCA product."
Why Ania presented this study? To prove that, if prices in Italy are higher than elsewhere, the Italian companies hgs can not do anything about it. And therefore to challenge hgs the "discounts coercive" under the rules of the decree Destination Italy (art. 8), now the study of the committees of the House Finance and Industry: companies believe that they are too "prescriptive" in terms of the obligations hgs given to insurance violating "the principles of freedom of contract and tariff." On the contrary, Ania appreciates the part of the legislation is to prevent witnesses of convenience, that the specific compensation through contracted garages and even the use of the black box as evidence in civil proceedings.
But consumer groups do not agree with the conclusions hgs of Ania. Nor, in part, the chairman of the Antitrust, John Pitruzzella: hgs just commenting on this survey presented by Ania, admitted that the cost of claims, fraud and tax bumps up the award. But there is more: in the field of insurance there is not enough competition: "It continued the reform process," said Pitruzzella in a television broadcast two days ago.
Firstly the numbers hgs are Bales: hgs I got a quote on Spain, France and Germany. At the same user, auto and area (metropolitan periphery) in the Italian insurance cheaper costs 1100 , 600 in Spain, France 500 and 620 in Germany. User unmarried 40-year old used vehicle hgs class BC, zero accidents in recent years, class of about 4 up (ie 3,2,1,0). Seeing is believing. The reasons frankly I do not care anymore. hgs A thief is a thief. I've had a difficult childhood or psychological trauma, or is merely a sociopath does not affect the final result. Oh, the end result is that Italian residenziabili ensure abroad with foreign companies (which are sometimes simply foreign branches of Italian companies, such as General). Or to run without one driving cautiously agrees very much.
In Italy who has legitimized this crap is the policy, and as always it takes to those who have and those who already have much, is making laws against the poor, see superlevy on older cars, the only poor people have the remission of tax health insurance, pay the rent of the house with bank transfers to non-CC at around 5,00 cc and those who did not pay the rent THE POOR, it is to write an encyclopedia antipo