Monday, May 23rd, 2022

Car liability insurance deadline extension

Car insurance in the coronavirus emergency period can be extended by a further 15 days compared to the natural expiration. This rule will last until July 31 and is present in the Cura Decree to deal with the covid 19 emergency.

As is well known, Article 193 of the Highway Code establishes that each vehicle, to be able to circulate, must be covered by a third-party liability insurance policy.

At the expiry of the insurance policy, according to the regulations in force, it is possible to travel by car without incurring penalties for a further 15 days from the date of expiry. There is a fortnightly grace period, during which the insurance company guarantees additional coverage, even if the policy has not been renewed: it is the so-called ultractivity of the insurance.

Cura Decree: extension of 15 days beyond the expiry of the insurance

With the Prime Ministerial Decree of 17 March 2020 (Measures to strengthen the national health service and economic support for families, workers, and companies connected to the epidemiological emergency from CoViD-19), now known as the Cura Decree, it was decided that the Motor TPL IVF insurance will be valid 30 days after the deadline, instead of the current 15 days.

The insurance companies will have to keep the policies active for a further 15 days, this until 31 July, we will update you if there are any changes.

In the event of an expired policy, the vehicle will be seized and a penalty ranging from a minimum of € 841 to a maximum of € 3,287.

How to renew the insurance

The renewal of the RC car, as established by art. 170-bis of Legislative Decree 179/2012 is not automatic. The tacit renewal of insurance policies was eliminated. Therefore, if your insurance expires in the period between March and July 31, 2020, you have 30 days beyond the natural deadline to proceed with the renewal, by contacting the insurance company of your choice or by comparing the various offers with our insurance comparator.

Prescriptions of the Italian Care Decree in the event of a claim

Also in this case the ultractivity of the insurance coverage applies. This means that if you have an accident in the first 15 days after the policy expires, it is still active. After 15 days, however, two cases are distinguished:

  • If you are responsible for the accident, the other driver will be compensated by the Road Victims Guarantee Fund (which, however, can then claim against you for the sums paid)
  • If you are the injured party, you will still be compensated by the insurance company

This deadline is therefore also extended.

Furthermore, up to July 31, “the terms for the formulation of the offer or the motivated dispute, in the cases of the necessary intervention of an expert or the medical examiner to assess the damage to property or persons, are extended by a further 60 days”.

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