2003 Social Report - PDF file - Unipol

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RELATIONS WITH CONSUMER ASSOCIATIONS Unipol has always considered Member Organizations important parts of the Group, with their employees, self-em- ployed members and SMEs, all important targets for the Group. Agreements are entered into with these Organiza- tions; products and services are created especially for their members. Through URCs, the Agreements, products and services are tested to see if they meet the security needs of customers and Association members. The advent of Consumer Organizations has made these relations even stronger and more important. Unipol has always promoted dialogue with Consumer Associations. It has sought agreements on transparency, fairness and the proper claims set- tlement. In connection with the controversial issue of TPL tariffs, it should be remembered that these rates refl ect what happens on the road, and hence the number of acci- dents that take place. [ Unipol Assicurazioni | Social Report 2003 – Edition Summary ] SECTION III – SOCIAL REPORT On 5 May 2003 the Government, ANIA and several Consumer Associations signed a Protocol Agreement concerning TPL insurance. Unipol signed the Agreement and on 22 May independently and promptly made its position clear on all the points covered by the Agreement, declaring itself willing to look into further ways for reaching a solution acceptable to consumers. Protocol Agreement on TPL among the Government, ANIA and Consumer Associations dated 5 May 2003 SELF-REGULATION OF TARIFFS Position of Unipol Assicurazioni S.p.A. A – General price restraint Unipol would maintain prices until 31/ 12/2003 B – Lower rates for the young From 1 July 2003 Unipol grants a 5% discount to customers of 18-21 years of age, whether new customers or already acquired. 39
SECTION III – SOCIAL REPORT C – Discounts on scooter insurance. Unipol provides a 5% discount on the Special conditions for owners of more than one vehicle. Direct indemnity of passengers by insurers of the vehicle Biological damage – completion of the statutory framework Extension of the material damage procedure to injury 40 cost of insurance policies where the customer has not been involved in an accident. For some time Unipol has applied a “family bonus” with favourable conditions for those who replace a vehicle and make over the new one to a rela- tive. For owners of more than one vehicle, Unipol applies to the second vehicle the same class of merit as the first. Unipol is willing enter into an agreement with other insurance companies in which passengers are paid directly and without limit, the payment then being re- imbursed by the insurer of the party at fault in the accident. Unipol hopes that within the 6-month period specified in the Protocol, economic parameters are defined for biological damage at all levels of disability. Unipol agrees with this extension and hopes the procedure will be extended to include permanent disability of up to 9% and personal injuries to passengers. MORE FAVOURABLE CONTRACTUAL CLAUSES FOR THE CUSTOMERS IN SPECIFIC SITUATIONS: A – theft, scrap or sale of the vehicle Unipol is already in line with the Pro- tocol in terms of retaining the class of merit in cases of theft or scrapping a vehicle. For reimbursement of the part of the premium not used in case of theft, as specified in the Protocol Agreement, amendments to the law governing com- pulsory insurance are deemed neces- sary. [ Unipol Assicurazioni | Social Report 2003 – Edition Summary ]
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