In a global context characterized by growing economic, climatic, health and geopolitical risks, “the ability of a country to face uncertainty becomes a crucial factor of strength and competitiveness. Insurance protection plays a central role in this challenge. A more insured Italy is an Italy that does not stop in front of the unprecedented. It is a country where companies can continue to produce even after a calamity, in which families can face the future with serenity, in which the state is not alone in citing the costs of emergencies. The insurance protects but, at the same time, free energy. Because where there is protection, trust is strengthened. And where there is confidence, we invest, innovate, grow. In an Italy that looks forward, insurance is not a cost, it is an opportunity and an investment. Because only a more protected Italy will really be a stronger Italy. It is more competitive “.
The Italian insurance sector met yesterday in Rome, at the Auditorium Parco della Musica, as part of the Ania’s annual assembly, the National Association of the insurance companies: to outline its articulated framework was the report of President Giovanni Liverani, who at the opening showed the message of the President of the Republic Sergio Mattarella, in which the “social function” of the insurance activity is underlined, which contributes to social cohesion by sharing the deals of events. abnormal and making “the emergence of a climate of risk does not slow down the business spirit and does not affect citizens’ rights”.
The ministers of the economy Giancarlo Giorgetti and the companies Adolfo Urso (who in particular place the emphasis on the government action aimed at introducing the obligation to cover for companies with natural catastrophes) and the president of the Istituto di Vigilanza Ivass Luigi Signorini (which underlined the need for a constant information action compared to users, in order to increase awareness), attended the event. The vice -president of the EU Commission Raffaele Fitto sent a greeting video message, illustrating the measures adopted by the supranational body in terms of regulatory simplification in the sector.
Among the most critical issues that emerged during the meeting, first of all, the sub -assurance of the Italian real estate assets compared to catastrophic events, but also the growing needs for coverage in health and supplementary pension, due to demographic aging. The appearance of the fraud is concerned in the field of civil liability, while the technological advancement must be governed in order to integrate the skills of the staff and improve the user’s experience, personalizing it.
The data: in 2024 investments for 1000 billion
The data emerged from the report, which outline the value of the activity carried out by the insurance companies, a value that has not only economic nature, but strongly impacts on the protection of people and assets, both of companies and families, and consequently on the solidity of the Italian economic-social fabric, are interesting.
“Insurance companies – explained President Ania – are among the most important institutional investors, who operate not on their own but on behalf of their insured, with extended time horizons, contributing significantly to the financing of the real economy, to the support of public debt and the stability of the financial markets. In 2024, the investments in the sector amounted to over 1,000 billion euros (almost half of the GDP) and 245 Of these were invested in the Italian sovereign debt, an amount that represents about 10% of the entire stock of government bonds in circulation “.
In 2024 the overall prize collection exceeded 150 billion euros, which grows over 16%. In the same year, Italian insurances compensated for accidents, fires or adverse events of various kinds 27 billion euros, which adds 15 billion of compensation for life policies in the event of death or disability of the insured. Real financial flows of interventions for 42 billion in support of families and businesses in difficulty.
“At the end of 2024 89 insurance companies were operating in Italy subject to VAT Supervisory. To these are added 92 companies based in a state of the European economic space operating under the establishment regime and about 900 companies under the free service of services, which can therefore also exercise in Italy directly from the country of origin. These numbers highlight how the Italian market is very open to the competition. From the employment point of view, the insurance sector, Even the collaborators of the survey, over 300,000 people “.
The protection gap: only 7% of buildings are insured
The aspect of the sub -insurance is strong: “The data clearly show how Italy is placed at the bottom of the ranking of advanced economies, with a share of insurance premiums not car damage equal to 1.1% of GDP, well below the European average of 2.6%. In some cases the sub -insurance reaches abnormal levels, such as in the case of natural catastrophes, where until yesterday there were, according to the most recent data, 7% both among companies and among the homes. Consider a safe from which to provide, but a powerful tool, capable of solving endemic and burdensome socio-economic problems in the interest of the country, through public-private partnership operations in which, in compliance with mutual roles, solutions in synergy develop and not in negotiating contrast “.
That of the insurance against natural catastrophes is, for Liverani “a strategic challenge for the country”: “Although about 94% of Italian municipalities are at risk of landslides, floods or coastal erosion and 40% of the buildings are in medium-high seismic areas, the insurance coverage is still very low: as mentioned only 7% of homes and companies is protected. Natural for companies with the Budget Law 2024 was an important and courageous response from the Government and, in particular, of the Ministry of Companies and Made in Italy and the Ministry of Economy and Finance. The companies will do the rest.
The challenge of supplementary welfare
Liverani then highlighted that “insurance in Italy can play a key role in the so -called supplementary welfare, in particular in three fundamental areas: social security, health and management of non -self -sufficiency”, underlining the need to review the mechanisms of supplementary pension, over twenty years after its introduction. “The supplementary pension – he said – constitutes one of the fundamental pillars of our welfare system. In support to compulsory public pension, it represents an essential tool to guarantee adequate income levels in the old age phase, in a deeply changed demographic and economic context: the aging of the population, the fragmentation of work careers, the instability of the labor market and the changed structural characteristics of Italian families make one more urgent. supplementary social security response “.
RC Auto: in 2024 two million claims compensated
On the neurgical front of the RC Auto, President Ania highlighted how the gap with other countries was reduced, while last year the companies compensated 2 million claims for an amount of 10 billion compensation. The need to strengthen the tools for contrasting insurance fraud: “The negative effect of these on the RC Auto Award, which according to some estimates, is about double in Italy compared to the main EU countries, is a topic, is a topic of high social impact: ultimately, the cost of the fraud falls on insured”.
Promote the culture of prevention
The aspect of the promotion of the culture of prevention is fundamental, through financial and insurance education initiatives in the various social bands: “The activity carried out by the Ania Foundation in the field of road safety, the protection of health and the promotion of correct lifestyles, as well as the protection against great risks, is particularly significant. The definition of some memorandums of understanding with the Ministry of Health and the Ministry of Civil Protection and the Civil Policies is underway on these issues: thanks to the sensitivity of the sea. Ministers Schillaci and Musumeci, for the availability to spread the issue of prevention and hiring, by citizens, of a role not only of beneficiaries but of “active safety producers” “. And another important protocol was signed yesterday with the Ministry of Education.
“Still today – Liverani clarified – insurance is often perceived as a vague and indistinct component of the financial system in a broad sense, with the result of a persistent lack of knowledge of its specificities and potential. And this poor awareness represents one of the main brakes for the development of the insurance tool. Therefore an action is needed on various time horizons and on several levels: education in schools and in the universities to approach young people As a technician and sometimes even slightly glamorous, speaking their language and arousing their interest; Of specific initiatives in ministerial programs.