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Car Tax and Insurance

Italy - Car Tax and Insurance


Car tax or Bollo needs to be paid for every car in Italy, whether the vehicle is in use or not. This amount is paid annually and is calculated on the basis of the car’s kilowatts, horsepower, fuel type (diesel or petrol), manufacture year and emission standard (Euro 0 to 5).

Unlike the UK, car owners in Italy do not get any reminders for taxes that are due. They need to check their records and ensure that the payments are made on time. Anyone can check their due date and also calculate the car tax amount due from home, as long as they know their car’s registration number, through these links:

http://www.online.aci.it/acinet/calcolobollo/index.asp#inizio-pagina
http://www1.agenziaentrate.it/servizi/bollo/calcolo/RichiestaPagamentoSemplice.htm

Those who don’t know the car registration number but are aware of the kilowatt, horsepower, fuel type, year of manufacture & emission can calculate the tax amount due through this link:
www1.agenziaentrate.it/servizi/bollo/calcolo/kw_cv_ins.htm

The Bollo can be paid at any post office. A detailed list of post offices is available on http://www.poste.it. This site can also be used to make a payment online. Alternately, car owners can go to the local Automobile Club D’Italia (ACI) office for paying their car taxes. Those who prefer making their car tax payments online can log on to http://www.aci.it.

Upon payment, a small receipt is issued, which need not be displayed on the windscreen but should be kept in the car at all times. The traffic police may ask to see the Bollo receipt in case of an accident or a problem. Any owner who cannot produce a valid tax receipt may be fined heavily.

Car insurance in Italy is complicated and expensive yet restricted as compared to other countries. People pay anywhere between €900.00 and €3,000.00 per year, depending upon the type of car and its specifications.

In order to drive a vehicle on Italian roads, a 3rd party liability insurance is mandatory. Car owners have to sign up for insurance plan against any personal injury or material damage caused by their vehicles. It covers all the passengers in the car, including the members of the owner’s family.

Like other European countries, Italy is signatory to the Green Card System, which issues the International Motor Insurance Certificate. This internationally recognized document includes the 3rd party liability and can also be extended to cover insurance against theft, fire, special assistance and so on.

Once a car has registered Italian license plates, the owner is free to choose any company that is licensed to sell insurance legally. Each quarter, the Gazetta Ufficiale Della Republica Italiana publishes a list of companies authorized to sell car insurance in the country. For competitive car insurance quotes, get in touch with:

Axa (Besozzo)
Head Office: Corso Como 17, 20154 Milan
Tel: +39 02 480841
Fax: +39 02 4808 4331
URL: http://www.axa.it

Genertel
Customer Support Number: 800 202020
URL: http://www.genertel.it

Genial Lloyd
Registered Office Number: Via Le Monza 2, 20127 Milan
Tel: +39 02 28351
Fax: +39 02 2835 2835
URL: http://www.genialloyd.it

Italsure
URL: http://www.italsure.it

Contrary to what many expats believe, the insurance industry in Italy operates on a “no claims” bonus (sistema bonus/malus). To take advantage of this benefit the proof of no prior claims should be submitted to the insurance provider. The reduction in insurance cost may be marginal though.

In case of an accident in any part of Europe, a claim can be made by notifying the insurer, who will then contact the National Motor Vehicle Insurance Bureau. This entity settles the formalities between both the insurance companies and the injured party. As per the EU community laws, if an accident is caused by an uninsured vehicle, the drivers are entitled to compensation from the Motor Vehicle Guarantee Fund of the state in which the mishap took place. The Independent Management of Guarantee Fund for Road Accident Victims (Gestione Autonoma del Fondo di Garanzia per le Vittime della Strada) in Italy allows a compensation for damage or injury in case an unidentified vehicle caused the accident, the company that has insured the vehicle is in liquidation or a vehicle has not been insured.

For additional information on Car Insurance in Italy, get in touch with:

National Insurer’s Association, Associazione Nazionale fra le Imprese di Assicurazione (ANIA)
Via della Frezza 70, 00186 Rome
Tel: +39 06 326881
Fax: +39 06 322 7135
URL: http://www.ania.it


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