Cointestare un'auto: agevolazioni e

Cointestare un'auto: agevolazioni e svantaggi
Quando sentiamo parlare della Legge Bersani per quanto riguarda il settore auto, la maggior parte di noi pensa all'agevolazione che permette ad una persona di poter pagare una polizza auto più bassa. Nella fattispecie, si acquisisce la classe di merito di una persona facente parte del nucleo familiare: quindi, per esempio, un giovane, anzichè partire da una classe di merito svantaggiosa, pagherebbe la Rc per la propria auto prendendo in considerazione la classe di merito di un genitore o di un'altra persona, esperta nella guida, che abita con lui sotto lo stesso tetto.
Non tutti sanno che, però, la legge Bersani disciplina anche il caso di un auto cointestata.
Stiamo parlando del caso, dunque, in cui l'auto risulterà di proprietà di due persone, anzichè di una. Sul libretto compariranno i nomi di entrambi i cointestatari, e in caso di vendita occorreranno le firme di entrambi.
A questo punto, che succede per quanto riguarda l'assicurazione? E come interviene la Legge Bersani per quanto concerne la classe di merito?
Cerchiamo di fare un po' di Chiarezza, con la premessa che la legge presenta dei 'vuoti' e lascia a discrezione delle compagnie la gestione della polizza.
Le compagnie di assicurazione non possono prescindere dall'esperienza e dai dati di entrambi i proprietari dell'auto (cointestatari dell'assicurazione). La polizza risultante sarà basata dunque sull'intestatario che fra i due ha la classe di merito più "sfavorevole", o addirittura tenendo conto della combinazione dei dati più "sfavorevoli" (oltre alla classe di merito, anche la residenza, l'età, ecc.).
Con la Legge Bersani (guarda l'infografica), anche in caso di un'auto cointestata, si ha la facoltà di acquistare la classe di merito di un familiare (purché abbia una polizza attiva e sia presente nello stesso nucleo), che probabilmente potrebbe essere più favorevole se guida da più anni e ha fatto meno incidenti. Quindi, se il neopatentato (che avrebbe una classe di merito universale pari a 14) cointesta l'auto con un genitore che vive con lui e che ha classe di merito 1, nella polizza erediterà la classe di merito più vantaggiosa, ovvero la 1.
Ma questo, come abbiamo detto ad inizio articolo, è un'agevolazione che avviene anche SENZA avere una polizza cointestata. Nel caso di auto cointestata, l'importo della polizza tiene conto del guidatore meno esperto.
Per cui, tornando all'esempio di prima, se il neopatentato Tizio, che usufruisce della Bersani, NON cointesta l'auto, avrà classe di merito 1, e anche una polizza con importo basso, come se a stipularla fosse il genitore Caio. Se invece Tizio cointesta l'auto, la polizza, pur avendo classe di merito 1, sarà di importo notevolmente maggiore, perché si tiene conto del fatto che uno dei cointestatari (cioè, appunto, Tizio) è un principiante.
Dunque, conviene cointestare l'auto? Possiamo rispondere con un secco no a questa domanda, come abbiamo capito dalla spiegazione sopra.
C'è però un caso che presenta un vantaggio. Con la Bersani, il guidatore più svantaggiato (esempio il neopatentato che ha acquisito la classe di merito del genitore) una volta che si cambia residenza e non si fa più parte del nucleo familiare precedente, non si conserva la classe di merito, e praticamente deve partire dalla 14esima, per la sua auto. Nel caso di auto cointestata questa cosa non avviene, purchè l'altro cointestatario rinunci formalmente alla sua classe di merito. Questo perchè le legge vede in modo favorevole una diminuzione del numero di intestatari.
Torniamo all'esempio di Tizio (principiante) e Caio (esperto, con classe di merito vantaggiosa): Tizio manterrà la classe di merito di Caio, e la potrà utilizzare per tutti i veicoli, se Caio rinuncia alla sua classe di merito. Ma a questo punto, vediamo che effettivamente la convenienza per Tizio la si ha solo se Caio ne trae uno svantaggio.
Evitare di cointestare l'auto, dunque, risulta la scelta più saggia. Soprattutto per il portafogli.

Results (English) 1:

Cosign a car: advantages and disadvantagesWhen we hear of the Bersani Law regarding the auto industry, most of us think the facilitation that allows a person to pay a lower car insurance. In this case, you take the class on a person forming part of the household: so, for example, a young, rather than from a class on disadvantageous, would pay the Rc car considering the class on a parent or another person, an expert in driving, who lives with him under the same roof.Not everyone knows that, though, the Bersani law also governs the case a car jointly held.We are talking about the case, therefore, the car is owned by two people instead of one. The booklet will appear the names of both joint applicants, and in case of sale will require the signatures of both.At this point, what's going on regarding the insurance? And like the Bersani Law with regard to the class of merit?Let's do some ' clarity, with the premise that the law has some ' empty ' and leave it to the discretion of the companies managing the policy.Insurance companies must be accompanied by the experience and data from both the owners of the car (co-holders of insurance). The resulting policy will be based on the nominee that between the two has the class on most "unfavourable", or even considering combining more "unfavourable" (in addition to class on, also the residence, age, etc.).With the Bersani Law (see the infographic), even in case of a car jointly held, you have the option to buy the class on to a family member (provided it has a triggers and is present in the same nucleus), which probably could be more favorable if driving for several years and did fewer incidents. So if the novice driver (which would have a universal quality step equal to 14) you cosign the car with a parent who lives with him and he has class on 1, the policy will inherit the class on best value for money, i.e. the 1.But this, as we said at the beginning of the article, is a benefit that occurs even without having a policy jointly held. In the case of cars jointly held, the amount of the policy takes into account the less experienced driver.So, back to the example above, if the novice driver Guy, who will take advantage of the Bersani, don't you cosign a car, will have class on 1, and also a policy with low amount, as if to should be the parent Caio. If you cosign a car Guy, the Bill, despite having quality step 1, it will be substantially greater, because it ignores the fact that one of the co-holders (i.e., precisely, Guy) is a beginner.Therefore, it is convenient to cosign the car? We can respond with a firm no to this question, as we understood from the explanation above.There is, however, a case that has an advantage. With the Bersani, driver more disadvantaged (as the young driver who acquired the class on the parent) once you change residence and no longer part of the household before, does not keep the class on, and practically must start from the 14th, to his car. In the case of cars jointly held this thing doesn't happen, as long as the other joint formally renounces his class of merit. This is because the law sees favourably a reduction in the number of nominees.Let us return to the example of Chap (Beginner) and Caio (expert, with advantageous quality step): Guy will keep the class on to Caio, and may use for all vehicles, whether Caio renounces his class on. But at this point, we see that actually the convenience for Guy only if Caio is a disadvantage.Avoid cosign the car, then, is the wisest choice. Especially for my wallet.

Results (English) 2:

Cointestare car: benefits and disadvantages
When we hear of the Bersani Law regarding the auto industry, most of us think facilitation that allows a person to be able to pay a lower car insurance. In this case, it acquires the class about a person from the same family: thus, for example, a young, rather than from a class of about disadvantageous, would pay for their car Rc considering the credit quality a parent or another person, an expert in the guide, who lives with him under the same roof.
not everyone knows that, though, the Bersani law also governs the case of a cointestata car.
We are, therefore, talking about the case, in which the car will be of two persons properties, instead of a. On the booklet appear the names of both the joint holders, and in case of sale will require the signatures of both.
At this point, that happens as regards the insurance? It acts as the Bersani Law with regard to the class about?
Let's do a bit 'of clarity, with the premise that the law introduces the' empty 'and leave at the discretion of the management of insurance companies.
The insurance companies do not can regardless of experience and data of both the car owners (insurance joint holders). The resulting policy will be based therefore sull'intestatario that between the two has the class of more "unfavorably about", or even taking into account the combination of the most "unfavorable information" (in addition to credit quality, also the residence, age, etc.).
With the Bersani law (see infographic), even in case of a car cointestata, you have the option to purchase the credit quality of a family member (provided that it has an active policy and is present in the same nucleus) , which could probably be more favorable if driving for several years and made ​​fewer accidents. So, if the novice driver (which would have a universal quality step equal to 14) cointesta the car with a parent who lives with him and who merit class 1, the policy will inherit the most favorable credit quality, ie 1.
but this, as we said at the beginning of article, it is a benefit that also happens to have a cointestata WITHOUT policy. In the case of cointestata car, the amount of the policy takes into account the less experienced driver.
So, going back to the first, if the novice driver Tom, who benefits from the Bersani, NOT cointesta the car, will have about 1 class, and also a policy with low amount, as if to take out a policy was the parent Caio. If Tom cointesta the car, the policy, although class of about 1, will be significantly higher amount, because it ignores the fact that one of the joint holders (that is, in fact, Tom) is a beginner.
So, should the cointestare 'car? We can answer with a resounding no to this question, as we have understood from the explanation above.
But there is a case that has an advantage. With the Bersani, the driver most disadvantaged (eg the young driver who has acquired the parent's credit quality) when you change residence and no longer part of the previous family, it does not keep the credit quality, and practically has to starting from the 14th, for his car. In the case of cointestata car this thing does not happen, as long as the other co-holder renounces formally to its credit quality. This is because the law sees favorably a reduction in the number of nominees.
Let us return to the example of Tom (beginner) and Caio (expert, with advantageous credit quality): Dude will maintain the class of merit of Caius, and can be used for all vehicles, if Caio withdrawal of its creditworthiness. But at this point, we see that actually the convenience to the Dude you only if Caio draws a disadvantage.
Avoid cointestare the car, then, is the wisest choice. Especially for the wallet.

Results (English) 3:

cointestare a car: advantages and disadvantageswhen we hear about the law first with regard to the car, most of us think the facility that allows a person to pay for car insurance low. in this case, it is the class of merit of a person belonging to the family: so, for example, a young man, instead of starting from a class of merit disadvantageous, would pay the rc for their car, taking into account the class on a parent or another person is an expert in the guide, living with him under the same roof.not everyone knows that, however, the law also covers the first case of a car jointly held.we are talking about the case, therefore, where the car is owned by two people, instead of one. the book will feature the names of both the cointestatari, and in the case of sale will require the signatures of both.at this point, what"s going on with regard to the insurance? and how does the law first with regard to the class of credit?we are trying to do a little bit of clarity, with the premise that the law is empty and leave at the discretion of the management of insurance companies.insurance companies cannot be separated from the experience and data to both the owners of the car (cointestatari insurance). the resulting policy is based on his, which between the two is the class of merit "unfavourable", or even taking into account the most unfavourable combination of data (in addition to the class of the subject, place of residence, age, etc.).the law must look at the infografica), even in the case of a car jointly held, you have the opportunity to purchase the class on a familiar (provided it has a policy of active and present in the same nucleus), which probably could be more favourable if leadership for several years and had fewer accidents. so, if the novice driver (which would have a class of universal credit amounted to 14) cointesta the car with a parent living with him and has class on 1, in the bill will inherit the class of merit the most advantageous, namely 1.but, as we said at the beginning of article, is a facility that is also the case without a policy jointly held. in the case of car jointly held, the amount of the policy takes into account the driver less expert.so, going back to the example of the first, if the novice driver guy, that benefits from the cointesta bersani, the car will have class on 1, and also a policy with value low, as if to stipularla was the parent case. if, on the other hand, guy cointesta your car, the insurance policy, while having class on 1, it will be much more value, because it takes account of the fact that one of the cointestatari (namely, guy) is a rookie.therefore, it cointestare the car? we can respond with a dry, no to this question, as we know from the explanation above.however, there is a case that has an advantage. with the first, the driver"s most disadvantaged (example, the novice driver who has acquired the class of the parent) once to change residence and is no longer part of the household before, it doesn"t keep the class of substance, and practically has to start from the 14th to the car. in the case of car jointly held this is not the case, as long as the other cointestatario give up formally the class of substance. this is because the law sees in favour a reduction of the number of account holders.let"s go back to the example of a guy (beginner) and dick (expert, with class on advantageous): guy kept the class of merit of caius, and can be used for all vehicles, if we give up his class of substance. but at this point, we can see that actually the convenience for guy"s only if dick has a disadvantage.to avoid cointestare the car, therefore, is the wiser choice. especially for the wallet.