The RCA family policy or a nuova-proiezionidiborsa.it policy are better
The RCA family policy is the compulsory insurance that every motorist must have in order to be able to circulate with his own car. Without this policy it is not possible to circulate lawfully with your own car. The mechanism is always the Bonus/Malus one and this is a serious problem for the first insurance companies
Both novice drivers and subjects to the first insurance pay a lot from the point of view of the premium for the policy. This is because driving experience is one of the factors that affect the policy and the premium. But there is a mechanism in the system that allows net savings even for those who insure a vehicle for the first time. But it is a mechanism that has obvious contraindications.
Better family RCA policy or a new policy, all things to consider
The mechanism of car insurance policies is well known by all. When you open an insurance for the first time you enter class 14. Every year that passes without accidents through your own fault you go down one class, each accident caused, on the other hand, brings you up two classes.
Each accident caused raises by two class-proiezionidiborsa.it
The lowest class is 1, where the lowest premium is paid. The highest is 14 (although committing claims during the first year of insurance would rise above class 14) and you pay the highest premium.
But in addition to the rate, the higher premium is also due to the fact that the one who has recently taken out his driving license often arrives at the first insurance. In addition to the class of merit mentioned above, which we can call universal class, there are classes within the various companies. In practice, these are classes that drop below 1 in the case of maximum virtuosity of a motorist who stays in class one for many years and always without causing any road accidents.
Because sometimes you stick with a certain company for years
The discourse on internal classes, which they are valid only within a certain company and not for all insurers in general, it is necessary to understand how the possibility of paying less for the first policy thanks to family insurance works.
After the Bersani Law, which made it possible to insure the second vehicle of a family, in the same class of merit as the first, here is the family policy. Is the family RCA policy better or a new policy? the question that many are asking refers precisely to the internal class. The Bersani Law for vehicles of the same type allowed, for example, to insure the vehicle of the newly licensed son, with the same class as the father’s vehicle, even if in class one.
With the family policy, the mechanism is identical, but also open to vehicles of a different nature (from cars to motorcycles or vans) and without limitations. It therefore applies to several vehicles and not just to the second vehicle in a household.
Applies to several vehicles-proiezionidiborsa.it
But class linking is internal. In practice, anyone who opens insurance with a family policy and enters class one must know that it is a class one that is valid only in that specific company. If the second year of insurance changes company, he will be in class 13 and not yet in class one. This means that opening a family policy risks making it practically impossible to be able to change company for many years if you don’t want to run the risk of paying a higher premium.
