{"id":9481,"date":"2025-02-14T14:20:03","date_gmt":"2025-02-14T13:20:03","guid":{"rendered":"http:\/\/explegal.local\/insurance-arbitrator\/"},"modified":"2026-07-08T14:54:43","modified_gmt":"2026-07-08T12:54:43","slug":"insurance-arbitrator","status":"publish","type":"post","link":"https:\/\/explegal.it\/en\/insurance-arbitrator\/","title":{"rendered":"The Insurance Arbitrator: a new solution in the insurance sector in Italy"},"content":{"rendered":"<p><span style=\"font-size: 12pt; color: #000000;\">The Italian insurance sector has introduced a new tool for alternative dispute resolution: the <strong>Insurance Arbitrator<\/strong>.<\/span><\/p>\n<p><span style=\"font-size: 12pt; color: #000000;\">This figure, established by <strong>Italian Ministerial Decree No. 215 of November 6, 2024<\/strong>, published in the Official Gazette No. 6 on January 9, 2025, <strong>is instituted within IVASS (Institute for the Supervision of Insurance)<\/strong>, representing an innovative, faster, and more cost-effective mechanism that allows consumers to obtain an impartial decision without resorting to traditional and more burdensome judicial proceedings.<\/span><\/p>\n<p><span style=\"font-size: 12pt; color: #000000;\"><strong>\u00a0<\/strong><\/span><\/p>\n<p><span style=\"font-size: 12pt; color: #000000;\"><strong>Scope and Operation<\/strong><\/span><\/p>\n<p><span style=\"font-size: 12pt; color: #000000;\">The Insurance Arbitrator is tasked with resolving disputes between consumers and insurance companies arising from insurance contracts, ensuring a quicker and more economical procedure compared to traditional judicial routes. It is competent to decide on:<\/span><\/p>\n<ul>\n<li><span style=\"font-size: 12pt; color: #000000;\">issues related to the rights and contractual obligations between the parties;<\/span><\/li>\n<li><span style=\"font-size: 12pt; color: #000000;\">violations of conduct rules in insurance distribution.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-size: 12pt; color: #000000;\">Disputes concerning the Guarantee Fund for Road Accident Victims and other cases falling under the competence of CONSAP are excluded from the Arbitrator&#8217;s jurisdiction.<\/span><\/p>\n<p><span style=\"font-size: 12pt; color: #000000;\"><strong>\u00a0<\/strong><\/span><\/p>\n<p><span style=\"font-size: 12pt; color: #000000;\"><strong>Value Limits of Disputes<\/strong><\/span><\/p>\n<p><span style=\"font-size: 12pt; color: #000000;\">The Insurance Arbitrator can intervene within the following value limits:<\/span><\/p>\n<ul>\n<li><span style=\"font-size: 12pt; color: #000000;\"><strong>Life Contracts:<\/strong><\/span><\/li>\n<ul>\n<li><span style=\"font-size: 12pt; color: #000000;\">Up to \u20ac300,000 for life contracts in Branch I (benefits due only in case of death);<\/span><\/li>\n<li><span style=\"font-size: 12pt; color: #000000;\">Up to \u20ac150,000 for other Branch I contracts and contracts of other life branches.<\/span><\/li>\n<\/ul>\n<li><span style=\"font-size: 12pt; color: #000000;\"><strong>Non-Life Insurance:<\/strong><\/span><\/li>\n<ul>\n<li><span style=\"font-size: 12pt; color: #000000;\">Up to \u20ac25,000 for non-life insurance;<\/span><\/li>\n<li><span style=\"font-size: 12pt; color: #000000;\">Up to \u20ac2,500 for motor liability compensation claims requested by third-party victims.<\/span><\/li>\n<\/ul>\n<\/ul>\n<p><span style=\"font-size: 12pt; color: #000000;\"><strong>\u00a0<\/strong><\/span><\/p>\n<p><span style=\"font-size: 12pt; color: #000000;\"><strong>Exclusions from Competence<\/strong><\/span><\/p>\n<p><span style=\"font-size: 12pt; color: #000000;\">Disputes concerning claims managed by the Guarantee Fund for Hunting and Road Victims, as well as those falling under the competence of CONSAP, are excluded.<\/span><\/p>\n<p><span style=\"font-size: 12pt; color: #000000;\"><strong>\u00a0<\/strong><\/span><\/p>\n<p><span style=\"font-size: 12pt; color: #000000;\"><strong>Procedure and Timelines<\/strong><\/span><\/p>\n<p><span style=\"font-size: 12pt; color: #000000;\">To file an appeal, the consumer must have previously sent a complaint to the insurance company and waited for a response within 45 days. The appeal to the Arbitrator must be filed within 12 months from the date of the complaint submission. The Arbitrator&#8217;s decision is issued within 90 days from the formation of the file, with a possible extension of up to 90 days in case of particularly complex disputes.<\/span><\/p>\n<p><span style=\"font-size: 12pt; color: #000000;\"><strong>\u00a0<\/strong><\/span><\/p>\n<p><span style=\"font-size: 12pt; color: #000000;\"><strong>Effectiveness of Decisions<\/strong><\/span><\/p>\n<p><span style=\"font-size: 12pt; color: #000000;\">The Arbitrator&#8217;s decisions are not binding, but non-compliance is made public for five years, creating a reputational incentive for companies to adhere to the rulings.<\/span><\/p>\n<p><span style=\"font-size: 12pt; color: #000000;\"><strong>\u00a0<\/strong><\/span><\/p>\n<p><span style=\"font-size: 12pt; color: #000000;\"><strong>Conclusions<\/strong><\/span><\/p>\n<p><span style=\"font-size: 12pt; color: #000000;\">The introduction of the Insurance Arbitrator represents a significant step for consumer protection in the Italian insurance sector, offering a more accessible and efficient path to dispute resolution.<\/span><\/p>\n<p><span style=\"font-size: 12pt; color: #000000;\"><strong><a style=\"color: #000000;\" href=\"en\/experts-en\/alessandro-rossi-en\">Avv. Alessandro Rossi<\/a><\/strong><\/span><\/p>\n<p><span style=\"color: #000000;\"><span style=\"font-size: 12pt;\"><\/p>\n<p><\/span><span style=\"font-size: 12pt;\"><br \/><\/span><\/span><span style=\"font-size: 12pt; color: #000000; background-color: #000000;\"><br \/><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Italian insurance sector has introduced a new tool for alternative dispute resolution: the Insurance Arbitrator. This figure, established by Italian Ministerial Decree No. 215 of November 6, 2024, published in the Official Gazette No. 6 on January 9, 2025,&#8230;<\/p>\n","protected":false},"author":30,"featured_media":9480,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[2668,2665],"class_list":["post-9481","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles","tag-insurance","tag-ivass"],"acf":[],"_links":{"self":[{"href":"https:\/\/explegal.it\/en\/wp-json\/wp\/v2\/posts\/9481","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/explegal.it\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/explegal.it\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/explegal.it\/en\/wp-json\/wp\/v2\/users\/30"}],"replies":[{"embeddable":true,"href":"https:\/\/explegal.it\/en\/wp-json\/wp\/v2\/comments?post=9481"}],"version-history":[{"count":1,"href":"https:\/\/explegal.it\/en\/wp-json\/wp\/v2\/posts\/9481\/revisions"}],"predecessor-version":[{"id":9913,"href":"https:\/\/explegal.it\/en\/wp-json\/wp\/v2\/posts\/9481\/revisions\/9913"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/explegal.it\/en\/wp-json\/wp\/v2\/media\/9480"}],"wp:attachment":[{"href":"https:\/\/explegal.it\/en\/wp-json\/wp\/v2\/media?parent=9481"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/explegal.it\/en\/wp-json\/wp\/v2\/categories?post=9481"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/explegal.it\/en\/wp-json\/wp\/v2\/tags?post=9481"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}