The Italian Institute for Insurance Supervision and the Italian Competition Authority have launched a market inquiry into possible competition problems in Italy's motor third-party liability insurance sector and opened a public consultation to gather evidence from interested parties. The review will assess whether the current legal and regulatory framework is creating obstacles to competition to the detriment of end consumers and will seek possible measures to address them. The authorities noted that RC Auto is a mandatory product and a large market, with about EUR 13.5 billion in premium income in 2025. The inquiry will focus on how risk allocation systems operate, including the bonus-malus system and merit classes, and on the direct compensation procedure. It will also examine whether driving-monitoring devices such as black boxes create barriers to consumer switching, and whether the complexity of commercial offers and discount practices undermines the effective functioning of price comparison tools, including Preventivass. The work is being carried out under the cooperation protocol between the two authorities. The call for inputs runs alongside the inquiry, with contributions requested by July 31, 2026.

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