{"id":4041,"date":"2025-05-21T06:45:01","date_gmt":"2025-05-21T04:45:01","guid":{"rendered":"https:\/\/www.basco-t.com\/?p=4041"},"modified":"2025-05-21T10:11:16","modified_gmt":"2025-05-21T08:11:16","slug":"tpl-incidenti-costi-assicurativi","status":"publish","type":"post","link":"https:\/\/www.basco-t.com\/en\/tpl-incidenti-costi-assicurativi\/","title":{"rendered":"INCIDENTI RARI, COSTI ALTI: IL TPL ITALIANO E LE SFIDE DEL MERCATO ASSICURATIVO &#8211; La situazione tra dati, tendenze e normative"},"content":{"rendered":"<h5 class=\"wp-block-heading\">Public transport continues to be one of the safest modes of travel in Italy as well. However, effective risk management requires constant vigilance. Despite the low accident rate, complacency is not an option: targeted investments, more effective regulations, and a more open and competitive insurance market are essential. Only in this way can local public transport continue to ensure safety, efficiency, and operational continuity.<\/h5>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1810\" height=\"2560\" src=\"https:\/\/www.basco-t.com\/wp-content\/uploads\/2025\/05\/Incidenti-rari-e-costi-alti_eng-scaled.jpg\" alt=\"tpl-incidenti-stradali-italia\" class=\"wp-image-4048\" title=\"\" srcset=\"https:\/\/www.basco-t.com\/wp-content\/uploads\/2025\/05\/Incidenti-rari-e-costi-alti_eng-scaled.jpg 1810w, https:\/\/www.basco-t.com\/wp-content\/uploads\/2025\/05\/Incidenti-rari-e-costi-alti_eng-1280x1810.jpg 1280w, https:\/\/www.basco-t.com\/wp-content\/uploads\/2025\/05\/Incidenti-rari-e-costi-alti_eng-980x1386.jpg 980w, https:\/\/www.basco-t.com\/wp-content\/uploads\/2025\/05\/Incidenti-rari-e-costi-alti_eng-480x679.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) and (max-width: 1280px) 1280px, (min-width: 1281px) 1810px, 100vw\" \/><\/figure>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\" style=\"font-size:15px\"><em>Non-downloadable image, to receive it please contact us at metrics@basco-t.com<\/em><\/p>\n\n\n\n<h1 class=\"wp-block-heading has-text-align-center has-text-color has-link-color wp-elements-c40ba2c8e0f305e41631c4951181bcb3\" style=\"color:#0763e3\">Share on:<\/h1>\n\n\n\n<ul class=\"wp-block-social-links has-large-icon-size has-icon-color has-icon-background-color is-style-pill-shape is-content-justification-center is-layout-flex wp-container-core-social-links-is-layout-fe48e5de wp-block-social-links-is-layout-flex\"><li style=\"color:#ffffff;background-color:#ebebeb\" class=\"wp-social-link wp-social-link-linkedin has-white-color wp-block-social-link\"><a rel=\"noopener nofollow\" target=\"_blank\" 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c0.315-0.315,0.615-0.51,1.035-0.673c0.317-0.123,0.794-0.27,1.671-0.31C9.312,4.631,9.597,4.622,12,4.622 M12,3 C9.556,3,9.249,3.01,8.289,3.054C7.331,3.098,6.677,3.25,6.105,3.472C5.513,3.702,5.011,4.01,4.511,4.511 c-0.5,0.5-0.808,1.002-1.038,1.594C3.25,6.677,3.098,7.331,3.054,8.289C3.01,9.249,3,9.556,3,12c0,2.444,0.01,2.751,0.054,3.711 c0.044,0.958,0.196,1.612,0.418,2.185c0.23,0.592,0.538,1.094,1.038,1.594c0.5,0.5,1.002,0.808,1.594,1.038 c0.572,0.222,1.227,0.375,2.185,0.418C9.249,20.99,9.556,21,12,21s2.751-0.01,3.711-0.054c0.958-0.044,1.612-0.196,2.185-0.418 c0.592-0.23,1.094-0.538,1.594-1.038c0.5-0.5,0.808-1.002,1.038-1.594c0.222-0.572,0.375-1.227,0.418-2.185 C20.99,14.751,21,14.444,21,12s-0.01-2.751-0.054-3.711c-0.044-0.958-0.196-1.612-0.418-2.185c-0.23-0.592-0.538-1.094-1.038-1.594 c-0.5-0.5-1.002-0.808-1.594-1.038c-0.572-0.222-1.227-0.375-2.185-0.418C14.751,3.01,14.444,3,12,3L12,3z M12,7.378 c-2.552,0-4.622,2.069-4.622,4.622S9.448,16.622,12,16.622s4.622-2.069,4.622-4.622S14.552,7.378,12,7.378z M12,15 c-1.657,0-3-1.343-3-3s1.343-3,3-3s3,1.343,3,3S13.657,15,12,15z M16.804,6.116c-0.596,0-1.08,0.484-1.08,1.08 s0.484,1.08,1.08,1.08c0.596,0,1.08-0.484,1.08-1.08S17.401,6.116,16.804,6.116z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">Instagram<\/span><\/a><\/li>\n\n<li style=\"color:#ffffff;background-color:#ebebeb\" class=\"wp-social-link wp-social-link-facebook has-white-color wp-block-social-link\"><a rel=\"noopener nofollow\" target=\"_blank\" href=\"https:\/\/www.facebook.com\/sharer\/sharer.php?u=https:\/\/www.basco-t.com\/tpl-incidenti-costi-assicurativi\/\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewbox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 2C6.5 2 2 6.5 2 12c0 5 3.7 9.1 8.4 9.9v-7H7.9V12h2.5V9.8c0-2.5 1.5-3.9 3.8-3.9 1.1 0 2.2.2 2.2.2v2.5h-1.3c-1.2 0-1.6.8-1.6 1.6V12h2.8l-.4 2.9h-2.3v7C18.3 21.1 22 17 22 12c0-5.5-4.5-10-10-10z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">Facebook<\/span><\/a><\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Over the past ten years, more than 90% of road accidents have involved private vehicles, while buses and trams account for less than 1% of the total. This figure reflects not only the different levels of usage but also the effectiveness of the safety rules and protocols applied to public transport.<\/p>\n\n\n\n<figure class=\"wp-block-image alignwide size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1622\" height=\"888\" src=\"https:\/\/www.basco-t.com\/wp-content\/uploads\/2025\/05\/tab1-eng.png\" alt=\"tpl-incidenti-stradali-italia\" class=\"wp-image-4043\" title=\"\" srcset=\"https:\/\/www.basco-t.com\/wp-content\/uploads\/2025\/05\/tab1-eng.png 1622w, https:\/\/www.basco-t.com\/wp-content\/uploads\/2025\/05\/tab1-eng-1280x701.png 1280w, https:\/\/www.basco-t.com\/wp-content\/uploads\/2025\/05\/tab1-eng-980x537.png 980w, https:\/\/www.basco-t.com\/wp-content\/uploads\/2025\/05\/tab1-eng-480x263.png 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) and (max-width: 1280px) 1280px, (min-width: 1281px) 1622px, 100vw\" \/><\/figure>\n\n\n\n<p class=\"has-text-align-center has-black-color has-text-color has-link-color wp-elements-c28d7dd82d093b750742ec0bb14ebe00 wp-block-paragraph\"><em>Basco&amp;T Consulting elaboration on ACEA data <a href=\"https:\/\/www.istat.it\/comunicato-stampa\/incidenti-stradali-in-italia-2023\/\" target=\"_blank\" rel=\"noopener\">ISTAT<\/a><\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph translation-block\">Every year, over 275,000 private vehicles are involved in road accidents in Italy, accounting for approximately 91% of the total. This percentage has remained stable throughout the observed period, including during the pandemic, when overall traffic volumes significantly declined. In contrast, public road transport\u2014including buses and trams\u2014represents a very small share of the total number of vehicles involved. On average, just over 2,300 public transport vehicles are implicated annually, corresponding to less than 1% (0.78%) of all incidents. Even during the pandemic years of 2020 and 2021, this share remained stable at around 0.7%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">An intermediate, yet growing role is played by bicycles and other light vehicles, including micromobility devices. On average, about 25,000 of these vehicles are involved in accidents each year, representing 8.2% of the total. Since 2020, this proportion has shown a slight upward trend, exceeding 9% over the most recent three-year period and peaking at 9.2% in 2021.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">According to the latest ISTAT report on road accidents (published in 2023 and referring to 2022), there were 3,039 road fatalities in Italy, with significant variation across different modes of transport. The highest number of fatalities occurred among car occupants (1,332), followed by motorcyclists (734), pedestrians (485), and cyclists (200). Pedestrian deaths were primarily caused by collisions with cars (353 cases), while cyclist fatalities mainly involved collisions with cars and heavy vehicles. Electric scooters accounted for 21 deaths, mostly from single-vehicle accidents. Buses and trams were involved in 46 fatal incidents, resulting in casualties across various categories (pedestrians, cyclists, motorcyclists, and car occupants). Among public transport passengers, 28 deaths were recorded, including 23 in incidents without other vehicles involved\u2014such as falls on board or sudden illness.<\/p>\n\n\n\n<figure class=\"wp-block-image alignwide size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1618\" height=\"1492\" src=\"https:\/\/www.basco-t.com\/wp-content\/uploads\/2025\/05\/tab2-eng-1.png\" alt=\"tpl-incidenti-stradali-italia\" class=\"wp-image-4044\" title=\"\" srcset=\"https:\/\/www.basco-t.com\/wp-content\/uploads\/2025\/05\/tab2-eng-1.png 1622w, https:\/\/www.basco-t.com\/wp-content\/uploads\/2025\/05\/tab2-eng-1-1280x1181.png 1280w, https:\/\/www.basco-t.com\/wp-content\/uploads\/2025\/05\/tab2-eng-1-980x904.png 980w, https:\/\/www.basco-t.com\/wp-content\/uploads\/2025\/05\/tab2-eng-1-480x443.png 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) and (max-width: 1280px) 1280px, (min-width: 1281px) 1618px, 100vw\" \/><\/figure>\n\n\n\n<p class=\"has-text-align-center has-black-color has-text-color has-link-color wp-elements-4c2e1dc57af5672d8d4ba729e8f2ff22 wp-block-paragraph\"><em>Collision matrix <a href=\"https:\/\/www.istat.it\/comunicato-stampa\/incidenti-stradali-in-italia-2023\/\" target=\"_blank\" rel=\"noopener\">ISTAT<\/a><\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Public transportation accounts for a marginal share of the accident rate: less than 1 percent of total deaths and injuries, lower than even those associated with traditional bicycles and electric micromobility. In contrast, cars and motorcycles are responsible for the majority of fatalities and injuries, with daily use still dominant.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>Insurance cost dynamics<\/strong><\/h5>\n\n\n\n<p class=\"wp-block-paragraph\">When a bus is involved in a road accident, the consequences extend far beyond operational disruptions or media coverage. Every incident has significant economic implications for the transport company involved. Unlike private vehicles, public service fleets are covered by complex insurance policies awarded through public tenders, in accordance with the Public Procurement Code.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Third-party and passenger liability insurance (RCT\/RCV) represents a major expense in company budgets, and each accident directly impacts the cost of insurance premiums.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Insurance brokers such as Aon, Marsh, Willis Towers Watson, and Assiteca play an increasingly crucial role, supporting operators in drafting technical specifications, negotiating with insurers, and managing claims.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tenders are awarded based on the most economically advantageous offer, which considers not only price but also qualitative aspects\u2014such as claims settlement speed and the structure of deductibles.<\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-801dabe0f5cc58c18a5af4e528172e84 wp-block-paragraph translation-block\">Although insurance services must be procured through public tenders, the process often faces significant challenges. As highlighted in Determination No. 2 of March 13, 2013, by the former Public Contracts Authority (AVCP), insurance tenders are frequently unsuccessful, either due to a lack of bids or because only one offer is received. Unilateral withdrawal from contracts by providers is also common. These issues lead to increased public spending due to repeated procedures and create serious risks for public authorities\u2014especially in sectors like local public transport, where insurance coverage is mandatory and a prerequisite for institutional operations. According to the Observatory on Public Contracts, over 30% of insurance service tenders\u2014worth a total of approximately \u20ac3 billion annually\u2014receive no bids. Moreover, in 64.8% of cases, contracts are awarded based on a single valid offer, indicating a highly concentrated insurance market and specific difficulties in securing liability coverage, including for public transport fleets.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In this context, insuring local public transport fleets remains a critical yet problematic issue: accident rates significantly affect insurance costs, public tenders are often deserted, and market competition is limited. More flexible rules and a more active role for brokers are needed to ensure adequate coverage and safeguard the continuity of a public service that, by its very nature, must be not only widespread and affordable, but also reliable and protected.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In the previous article, we looked at the <a href=\"https:\/\/www.basco-t.com\/en\/sicurezza-tpl-europa\/\">European overview<\/a>.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-left is-layout-flex wp-container-core-buttons-is-layout-63375db1 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-black-color has-text-color has-background has-link-color has-small-font-size has-text-align-left has-custom-font-size wp-element-button\" href=\"https:\/\/www.basco-t.com\/en\/sicurezza-tpl-europa\/\" style=\"background-color:#ebebeb\">Previous article<\/a><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Il trasporto pubblico locale si conferma anche in Italia,&nbsp; una modalit\u00e0 di viaggio tra le pi\u00f9 sicure, ma la gestione del rischio richiede attenzione costante. La bassa incidentalit\u00e0 non deve far abbassare la guardia: servono investimenti mirati, regole pi\u00f9 efficaci e un mercato assicurativo pi\u00f9 aperto e competitivo. Solo cos\u00ec il TPL potr\u00e0 continuare a [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4049,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[20],"tags":[],"class_list":["post-4041","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mobility-metrics"],"_links":{"self":[{"href":"https:\/\/www.basco-t.com\/en\/wp-json\/wp\/v2\/posts\/4041","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.basco-t.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.basco-t.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.basco-t.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.basco-t.com\/en\/wp-json\/wp\/v2\/comments?post=4041"}],"version-history":[{"count":9,"href":"https:\/\/www.basco-t.com\/en\/wp-json\/wp\/v2\/posts\/4041\/revisions"}],"predecessor-version":[{"id":4059,"href":"https:\/\/www.basco-t.com\/en\/wp-json\/wp\/v2\/posts\/4041\/revisions\/4059"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.basco-t.com\/en\/wp-json\/wp\/v2\/media\/4049"}],"wp:attachment":[{"href":"https:\/\/www.basco-t.com\/en\/wp-json\/wp\/v2\/media?parent=4041"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.basco-t.com\/en\/wp-json\/wp\/v2\/categories?post=4041"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.basco-t.com\/en\/wp-json\/wp\/v2\/tags?post=4041"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}