The news that will affect the automotive landscape in the coming months is really interesting. From next spring, every car sold will necessarily have an electronic device inside it called eCall, capable of automatically sending a GPS signal to help in the event of an accident.

The eCall Device

The idea of ​​the eCall device comes from the innovative drive of many car manufacturers, who have recently convinced the European Commission of the goodness of the project for the safety of motorists. Some car models have already integrated a similar mechanism, allowing the driver to communicate with an operations center and then with roadside assistance in the event of an accident or breakdown of the vehicle.

By March 31, 2018, all car manufacturers will therefore be required by law to supply an eCall device as standard on their models. Compared to the old devices already present on some vehicles, the new call will send the emergency call directly to 112 (a single European emergency number, similar to the American 911). In this way, the GPS signal will allow emergency vehicles to identify the vehicle, significantly speeding up the intervention of ambulances and shortening the time needed to clear the roadway and restore traffic, also reducing the risk of traffic problems or situations. of danger for the means that will arrive.

The eCall device will activate automatically when it “perceives” a strong impact, but the vehicle will always have a button to send a request for voluntary help. Very useful, if you think that it could also be used by passengers or by any witnesses in case the driver is unconscious.

eCall is not a black box though! Unlike the latter, which is always active, it does not send data to any operations center during the normal movement of the car and remains “disconnected” until the moment in which it perceives an accident.

How Does Car Insurance in Communion of Goods Work

As we have said many times, before buying car insurance it is advisable not to stop at the first quote or at the first agency with which you make contact, but to continue in the search trying to save as much as possible.

At the time of stipulation, the owner of the vehicle can also be different from the holder of the Motor TPL insurance.

Indeed, it is also possible to change the policyholder every year, as long as the owner of the vehicle remains unchanged. Furthermore, it will be possible to take advantage of the same class of merit as a family member, but not if you already own the car in question.

The only exception, in this sense, is that due to spouses under the joint property regime.

But how does it work?

The current legislation allows you to stipulate the so clean insurance contract for civil liability in your own name even if the vehicle is in the name of the spouse, provided that the same is in the community of assets (or vice versa).

What the Company could ask you for is a document that certifies the effective legal regime of the communion of assets: this means either the document issued by the Municipality or a simple self-certification.

The policyholder can be any of the two spouses. As for costs, usually, when the owner and contractor do not coincide, there may be a slight increase in the price.

How Does Car Insurance in Communion of Goods Work

If you then want to replace the vehicle owned by another one close to purchasing, you can replace the vehicle insured under the policy with the new one even if it is in the name of your spouse as long as the document certifies the communion of assets is delivered.

But is it better to replace the insured vehicle with the new policy or would it be better to cancel the “old” contract and sign a new one? If the policyholder is different from the owner of the new vehicle, the answer depends on the percentage of the surcharge. When you request the cancellation of the vehicle sale contract, you will be refunded only the unused premium after tax.

Taxes will have to be paid on the new contract, which depending on the province of residence of the owner vary from 22.5% to 26%. This means that if the surcharge for the contracting party other than the owner is not of a certain amount, then it is certainly better to replace the vehicle in the policy rather than stipulate a new contract.

In cases where the vehicle in question is sold by one spouse to another, whoever buys it will be able to take advantage of the spouse’s merit class (in the community of assets) and the companies will be required to recognize the CU class already accrued on the vehicle.