Bad news for around 800,000 motorists; According to the Facile.it observatory, there are many insured persons who, due to a guilty claim declared in 2021, will see their merit class worsen this year, with a relative increase in the cost of third party liability.
According to the comparator’s analysis – carried out on a sample of over 690 thousand estimates collected in December 2021 – the number of motorists affected by the increases is up by 12% compared to last year, a direct consequence of the increase in vehicles in circulation and claims road.
For the moment, however, the rates for virtuous motorists are still at minimum levels; according to data from the Facile.it observatory, in December 2021 to insure a four-wheeled vehicle, an average of € 427.16 was required, that is 9.43% less than in December 2020 and even 20, 3% less when compared with the same month of 2019.
“Be careful because even this idyll could soon end”, explains Andrea Ghizzoni, Managing Director Insurance of Facile.it. “Rates still enjoy the decline in road accidents recorded throughout 2020, but with 2021 the claims have started to rise again and, by virtue of this, we expect insurance premiums to return to growth, with increases that according to our estimates could even reach 35-40 euros for each driver “.
If at a national level the percentage of motorists who have declared an accident with fault is equal to 2.47%, at the regional level the values change significantly. Looking at the ranking, Liguria is in first place; in the region, 3.27% of motorists will see the cost of RC cars rise. The drivers of Tuscany (2.92%) and Sardinia (2.90%) follow. The lowest percentages, on the other hand, were found in Calabria (1.56%), Friuli-Venezia Giulia (1.95%) and Basilicata (1.99%).
If we compare the December 2021 values with those recorded the previous year, interesting data emerges that highlight the way in which lockdowns have affected mobility. The regions where the percentage of motorists who have declared an accident with fault has grown the most are Sardinia (+ 23% compared to 2020), Sicily (+ 18%) and Trentino-Alto Adige (+ 17%). Only one region has values in line with 2020, Umbria where there was even a very slight decline (-0.9%).
But what is the identikit of who will see the car liability increase due to an accident with fault? To worsen their class of merit will be 2.72% of the female sample and 2.33% of the male. Looking at the age groups, it emerges that the under 24s are the motorists who recorded the lowest value (2.15%), while the over 65s the highest (3.06%). In absolute terms, however, the most “attentive” policyholders were the new drivers in the 19-21 age group; among them, the percentage of those who will see their merit class worsen due to a faulty claim is just 1.37%.
If almost all Italians have limited travel during the year, one of the few professional categories that has continued to travel by car “normally” is healthcare personnel. As evidence of this, the analysis revealed that doctors, nurses and health professionals are
among professionals who, in percentage terms, declared the highest number of accidents at fault during 2021 and, among them, 2.85% will have to face an increase in the cost of motor third party liability.
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