Is it possible to request and obtain suspension of car insurance for a certain period? How can it be done? Here are some useful pointers.
At a time when travel can be severely restricted or even banned due to the global pandemic, the suspension of IVF car insurance is an idea that has touched many motorists. Let’s see if it is possible and how to do it.
Car insurance suspension and restrictive measures
The travel restrictions envisaged combating the Coronavirus emergency inevitably entail a drastic reduction in the number of vehicles in circulation.
At the moment you may no longer need the car because:
you are working in smart working from home;
your children are in high school and therefore engaged in distance learning;
shop and shop online only;
order your meals at home.
So no cars, but with the insurance already paid in advance. You must know that if you do not use the car you have the right to suspend the RCA, without losing the months of suspension and extending its duration, since the expiry of the policy is postponed.
But be careful: the vehicle must be parked in a private area or a garage. If your car is stationary but you keep it parked on a public road, you cannot suspend car insurance because that vehicle is considered to be in circulation for all purposes.
How to suspend car insurance
The first step to obtaining the suspension is to verify that the insurance policy you have signed provides for this possibility. There may also be limits based on the policy you have taken out, for example:
possibility to request a maximum of two suspensions during the year;
suspension denied if there are only two or three months before the policy expires;
extension of the deadline denied in the case of suspensions for less than 30 days.
If you are thinking about a suspension of car insurance, it is time to pull out the related documents and check the conditions you have signed to proceed with the request. If the insurance contract allows it, you will have to request one of the following ways:
by filling out the form on the company’s website for this purpose;
by sending the request by registered letter with return receipt ;
by sending the request via certified e-mail (PEC).
The suspension, if granted, takes effect from midnight on the day the company signed the acceptance.
RC family car: how does it work?
The 2022 tax decree changes car insurance, family car liability arrives: all cars and motorcycles insured within a family unit will be able to benefit from the lowest merit class among those of family members. Effective: February 16, 2022.
The new family car ivf liability insurance is here, the merit class will concern the entire family unit and not the individual insured, guaranteeing the class of the most virtuous family member to all the other insured members.
Family car liability: entry into force
On February 16, 2022, the new family car liability insurance came into force
With family TPL, the family unit can ensure all vehicles owned, cars and motorbikes, using the best class of merit present in the unit. In some cases, it is estimated that family spending on car and motorcycle insurance could fall by 53%, therefore by more than half.
The transition to the more favorable merit class is not automatic but can be requested starting from the renewal of the policy, this means that if you have just renewed, you will have to wait for the expiry of the policy to change.
How does Family TPL work?
The rule extends the obligation for insurance companies to assign the most favorable class of merit to the members of the family unit resulting from the last certificate of risk. Unlike the Bersani Law, the insurance contract with a more favorable merit class can also be extended to another type of vehicle. For example, from a car to a moped.
Having received so many comments on this, let’s answer this question:
What happens in the event of an accident wrongfully?
Certainly, there will be an increase in the merit class of the car insurance involved in the accident, but it will not involve the other cars in the household.
ATTENTION! To benefit from Family TPL, there must have been no claims in the previous 5 years.
Can you save money with the family car RC?
On paper, this possibility should result in significant savings as it will allow applying the best merit class to all family members. Several simulations have already been carried out with the most striking example, that of a family with a car in 1st class and a moped in 14th. If the city taken into consideration is Milan, for example, the amount paid for the scooter could be reduced by over 300 euros.
There are many other factors to keep in mind and these simulations only help to understand the potential savings. We will see in practice, however, all things being equal, a lower merit class usually results in a reduction in the fee to be paid and should be good news for consumers.
