It's official: scooter and electric bike insurance is now mandatory in Italy. This news comes later approval of a legislative decree proposed by the Minister of Enterprise and Made in Italy, Adolfo Urso, which led to a significant reform of insurance. There has been a long discussion about the state of the situation in Italy: there were those who said that insurance for scooters and electric bikes shouldn't exist, others the opposite. Let's see i details.
The news of the insurance reform for scooters and electric bikes
The reform, which fully reflects the directives of the European Union, extends the liability insurance policy also to light vehicles such as scooters and electric bicycles. This extension was motivated by the significant increase in accidents and victims related to these means. While the numbers are still relatively small (with 16 fatal crashes involving a scooter driver) the increase from 2021 was 77,8%.
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The reform also introduces other important innovations. The insurance coverage obligation is extended to all vehicles, regardless of the terrain on which they are used, whether they are stationary or in motion and whether they are circulated in restricted areas. This means that the vehicles operating at the airport, such as the shuttles that take travelers from the gate to the plane, must also be insured.
Furthermore, the reform provides for a strengthening of the policy comparison tool. The "estimate" tool on the IVASS and ministry website will be enhanced, allowing for a more clear comparison of the prices, tariffs and contractual conditions of insurance companies.
Finally, a novelty has been introduced regarding the suspension of insurance. There voluntary suspension of the insurance will always be possible and it will no longer be an insurance “concession”. The insurance companies will therefore be obliged to accept the voluntary suspension by the user, even several times in a year, provided that the voluntary suspension does not exceed 9 months in the space of the year.
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