The approval of the provision, therefore, will not immediately change the rules for motorists: it will be the start of the countdown for the subsequent definition of the reform. The time pressure is particularly important also because Ivass and Antitrust have launched a fact-finding investigation into the MV TPL market in recent months, with the aim of identifying the critical issues in the system and possible corrective measures. A job that would normally take several months, having to involve companies, consumers, intermediaries and repair operators, but which will now have to proceed within a more limited time frame.
For further information: Auto TPL, from the Bersani Law to additional guarantees: the handbook for saving
One of the main chapters of the delegation concerns the revision of the bonus-malus, the system through which companies evaluate the behavior of insureds on the basis of the class of merit. Its effectiveness, however, has progressively reduced. After the introduction of the possibility, with the Bersani reform, of attributing to a cohabiting family member the class of merit already acquired by another member of the household, a very large share of motorists today find themselves in the most favorable classes. The traditional mechanism therefore offers insurance companies less precise information to distinguish the risk level of individual customers. To compensate for this limitation, companies have developed internal classification systems, built on the basis of the data in their possession. However, these are criteria that are not uniform nor easily comparable between one company and another, with obvious problems in terms of transparency.
The delegation therefore aims to make the bonus-malus more in line with the actual behavior of the insured, through a greater quantity of information and more sophisticated risk assessment tools. The intent is to give greater weight to driving behavior and reduce that of indirect factors, starting from the territorial component. This also aims to prevent prudent motorists from being penalized solely because they live in areas characterized by a high frequency of accidents. The underlying principle is therefore to link the cost of the policy more closely to the real riskiness of the driver, favoring those who drive without causing accidents.
The other intervention concerns direct compensation, which over time has become a mandatory procedure for companies operating on the Italian market, including foreign ones. In the event of an accident, the insured turns to his own company, which provides compensation and subsequently recovers the sum from the company that insures the person responsible for the accident. The refund, however, does not necessarily correspond to the actual cost of the repair. In fact, compensation between companies takes place through predetermined amounts, the so-called lump sums. This system can generate economic imbalances: depending on the type and cost of the accident, a company may find itself incurring a higher or lower expense than the amount it will receive. The very methodology used to calculate these amounts is set to be revised. In fact, the delegation envisages perfecting and making direct compensation more efficient, also intervening on the criteria for determining lump sums, with the aim of increasing transparency and competition without compromising the stability of insurance premiums. It is therefore not a question of abolishing the mechanism, but of correcting the aspects considered most problematic. Subsequent legislative decrees will establish in detail which elements must be modified.
The average Motor TPL premium stood at 422 euros per year in the period April-June 2026, with a growth of 1.6% compared to the same quarter of 2025. This is what emerges from the latest Ivass report, which highlights how prices continue to be higher than the levels of 2022, when the average expenditure stopped at 353 euros. Above all, inflation is pushing costs up, which has increased companies' outlays for managing compensation related to accidents. In comparison with the previous three months, however, a reduction of 0.4% was recorded. The current value also remains distant from the maximum of 488 euros reached in 2014.
However, the presence of the black box in car insurance policies remains limited. In the second quarter of 2026, the contracts that include this device represent 16% of the total, a decrease compared to the 17.2% recorded a year earlier and well below the 22% reached in 2018. The technology is however more widespread in the territories where traditional policies have the highest premiums: this is the case, in particular, of Caserta, where the share reaches 53.9%, and of Naples, with 43.1%.
For further information: Insurance for classic cars: how it works, what it covers and how much you save
