It may happen that the insurance company with which heads the insurance policy RC Cars, decides to raise the ceiling of office (the sum specified in the policy by which they are paid the damages caused by the vehicle insured for liability of the driver)
Since the ceiling, RC Cars can be changed only with the consent of the user / payer of the bill, in which case you can:
Refuse, even verbally, the new contract the right to demand a new contract with the maximum desired.
If the agent or his agent a pretext to refuse the request, you can always send a letter with return receipt all ISVAP (Institute for the
Supervision of Private Insurance, Division RC Cars, claims and Consumer Protection, Via Vittoria Colonna 39 00193 ROME), indicating the reasons for the rejection of the contract being automatically varied by the Company Insurance and referring also to the agent.
Under the new provision on the subject, entered into force on 1 April 2001, the increases in premium RC, which is larger than the current inflation rate, provide good cause to refuse signing the bill and ask the right attestation risk (form in which they are reported beyond the ends of the bill of the contractor, the number of claims experienced in the last 5 years).
The certificate of risk, must be issued to the customer however the expiry of the contract.
Moreover, almost no company carries more legal acts against anyone who refuses to pay an increased premium office even after the 30 days required the dispatch of the cancellation of the policy recommended by A / R. Therefore, it would:
sufficiently in advance of the expiry of the policy (60 / 90 days before) send to the agency with which the contract is attached, a letter with return receipt, which announced the cancellation of the contract (even when in reality means stay with the same company) a natural end and the claim of its certificate of risk;
assess the best offer and being advised the ceiling RC car more suited to their needs.
Attention to the minimum legal limit of 1 billion and 500 million (euro 775,887), because in case of damage to several persons may be insufficient, and can instead be useful to increase the minimum ceiling of law with a small additional cost.
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