In 2024, several RC car concessions are available to save on insurance policy costs. The planned measures help families, new drivers and people with disabilities to reduce expenses related to car insurance. In addition to the advantages already active, the Government has announced new RC car bonuses coming in 2025, thanks to the Omnibus Decree 2024
.
In this guide, let’s find out which benefits are currently in effect and how they work to save on insurance costs.
RC Car Facilitation with the Bersani Law
The Bersani Law (Law of 4 August 2006, n. 248) allows you to take out an RC car policy taking advantage of the same merit class as another vehicle already insured, owned by the driver or a member of his family unit. This allows significant savings, especially for new drivers, who thus avoid starting from the 14th class
, the most expensive.
This law also allows you to transfer the merit class from an old vehicle to a new one, reducing the cost of insurance. To access this benefit, you must meet certain conditions:
- The vehicle to be insured must have been registered within the last 12 months.
- The new owner must be living with the holder of the policy from which the merit class is inherited.
- Both vehicles must be registered to individuals from the same household.
The Bersani Law represents a particularly advantageous solution for families with multiple vehicles.
RC Car Discounts for People with Disabilities
People with disabilities, protected by Law 104 (Law no. 104 of 5 February 1992), can benefit from discounts of up to 30% on car insurance. These discounts apply to policies for vehicles adapted to the transport of disabled people or subject to changes necessary for driving
.
To access the discounts, the holder of the policy must be the person with a disability, and the vehicle must be used primarily for its transport. In addition to insurance discounts, people with disabilities can benefit from exemptions on the car tax and other taxes related to the purchase and use of the
vehicle.
Half Deductible: How to Save by Sharing Risk
Some insurance companies offer the option of a half deductible, a solution that allows you to divide the costs of damages in the event of an accident between the insured and the company. This formula significantly reduces the insurance premium, allowing savings of about a third of the total cost
.
The half deductible is particularly useful for drivers with a low number of claims behind them. In the case of minor incidents, this option can avoid increasing the annual award, keeping the merit class unchanged
.
Bonus RC Auto 2025: News Coming Soon
The Government has allocated 20 million euros in the Omnibus Decree 2024 for the new RC car bonus, scheduled for 2025. This contribution will be provided to Provinces and Metropolitan Cities and will reduce the cost of RC car policies in
certain areas.
The bonus will be distributed based on the tax losses incurred by local governments. The methods of disbursement and the exact amounts will be defined with the implementing decrees, expected
during 2025.
Thanks to laws such as the Bersani Law and Law 104, in addition to the possibility of choosing options such as the half deductible, it is possible to save considerably on the cost of car insurance. In 2025, the new RC car bonus introduced by the Government will offer additional savings opportunities for Italian drivers
.