The clearinghouse is an opportunity not to lose merit classes in the event of a  capital liability claim. Let’s see how it works and how to access it.

If you want to avoid the malus in case you are responsible for a claim, you must know that you can redeem the compensation for the damage using the Consap clearinghouse. Here’s how it works in detail.

What is the Consap clearinghouse?

As you know, motor liability insurance policies provide for the bonus-malus clause which involves a worsening in terms of merit class in the event of accidents with responsibility. This means that your third-party liability insurance policy will cost more in the following year.

For accidents between only two vehicles, which are among those for which direct compensation can be activated, the possibility of redemption is provided to avoid the increase in the premium resulting from the attribution of a higher merit class

The ransom, or clearinghouse, is possible for claims:

• which occurred starting from February 1, 2007 (date of commencement of direct compensation);
• fully paid and accounted for which no other damage items are pending.

However, claims cannot be redeemed:

• involving more than two vehicles;
• with only harm to people or things;
• with a collision with a moped without a license plate (i.e. with a displacement equal to or less than 50cc without a license plate);
• in which the Company has not adhered to the CARD (Agreement between Insurers for Direct Compensation);
• in which the insurance policy provides for a fixed rate deductible.

In all these cases excluded from the clearinghouse, you will need to contact your insurance company to inquire about the opportunity to redeem the claim.

How can I access the clearinghouse?

The clearinghouse is managed by the Consap (Public insurance services concessionaire), and if you think it is convenient to reimburse the accident you caused, instead of being penalized in terms of merit classes, you can proceed as follows:

• request Consap, there is both an online procedure on and a request by post, which verifies all the information relating to the claim before giving the green light for the refund;
• pay the relative amount directly to the clearinghouse, by bank transfer (also from BancoPosta), to the dedicated current account;
• obtain from Consap the proof of payment which you will need to request the reclassification of the contract from your insurance company.
  

  Car rental insurance: how does it work?

  How does insurance work when you rent a car? What coverage does it guarantee and what are the additional ones you should subscribe? Here’s what you should know.

  insurance for car hire is an important element when choosing this form of use of a vehicle. Let’s see which covers are typically included in the rental and which ones you could add to guarantee greater safety in the event of accidents or theft.

  Car rental insurance: insurance coverage included

  When you choose to rent a car, you find that the cost of insurance is a key variable in determining the price.

  First of all, it should be noted that in any rental contract there is RCA coverage included in the price. This means that compulsory car insurance linked to civil liability is essential, just like for owned cars. You cannot drive without it, therefore this insurance cannot be excluded even for rental vehicles.

   

  However, we remind you that the RCA only covers damage caused to third parties, both people and things, and can include:

  • deductible, i.e. a minimum amount of damage within which the insurance does not intervene and the reimbursement is the responsibility of the insured;
  • ceiling, a maximum amount of compensation paid by the insurance.

  Car rental insurance: additional coverage

  But what happens, for example, in the event of theft of the rented car? What if you cause damage to the bodywork?

  Let’s see in summary what are the additional guarantees that you could choose, and which obviously will raise the rental price in the face of greater insurance coverage:

  • Kasko. Guarantees against damage caused to the vehicle’s body. Moreover, it is always advisable to carefully check the bodywork before starting the rental and report any damage found, so as not to risk undue charges.
  • Theft. Coverage both in the event of theft and for damage caused if an attempted theft occurs. In this case, attention must be paid to any deductible.
  • Reduction of the deductible. This is not an additional guarantee but the possibility of canceling the excess provided for the RCA in the basic rental contract, so as not to have to pay anything even in the event of minor damage caused to third parties.
  • Other insurance coverage for the rental. Below we list other possible additional guarantees: coverage of vehicle parts beyond the bodywork (such as the window policy), health costs of the passengers of the rented car, injuries to the driver, or an increase in the ceiling.
  • There is no perfect combination of guarantees, so it is important to make a reasoned assessment of the costs you will incur and the benefits you can obtain by investing in greater coverage.