New IVASS Consultation Document on MTPL

On 23 March 2026 the Italian Insurance Regulatory Authority (IVASS) published consultation document 2/2026 (the Consultation Document). The document covers a draft regulation on the template for the annual report on the prevention of fraud in the motor liability insurance sector concerning:

• a draft Regulation (the Regulation) concerning the template for the annual report on the prevention of fraud in the motor liability insurance sector;
• a revision of the regulations set out in ISVAP Regulation No 44 of 9 August 2012, introducing new data relating to the activities carried out by companies in the fight against fraud; and
• a technological upgrade in the stages of data transmission, reception, validation and recording through the use of the INFOSTAT platform.

Below is a brief summary of the contents of the Regulation.

Article 3 specifies the scope of application of the Regulation, which applies to insurance undertakings authorised in Italy and to undertakings with their registered office in an EU member state that are authorised to operate in Italy under the freedom to provide services or under the right of establishment authorised to provide compulsory motor vehicle liability insurance within the territory of the Italian Republic.

Articles 4 and 5 set out, respectively, the purpose and the content of the report described in the Regulations. With regard to the purpose, the text states that the report should provide the information necessary to assess the effectiveness of processes, systems and personnel, to ensure that the company’s organisational structure is adequate for the purpose of preventing and combating fraud.

As regards the content of the report, Article 5 stipulates that it consists of four numerical tables and a questionnaire. Each of the tables constitutes an annex to the Consultation Document:

• Table MANFR_S2P1 contains data broken down by province, by location of the loss, by type of management (whether in-house or as a designated firm) and by reference year, relating to the following types of claims:
  
  
• claims reported in the reference year, expressed per risk unit;
• claims exposed to the risk of fraud;
• claims subject to specific investigation;
• claims closed without further action following anti-fraud measures;
• claims for which complaints or legal proceedings have been filed;
• subject to disallowance
  
  
• Table MANFR_S2P2 contains the above data relating to claims handled under the CARD scheme.
  
  
• Table MANFR_S3P1 contains aggregated data on claims or legal proceedings relating to accidents, the company’s subsequent involvement in such proceedings, and the relevant outcome.
  
  
• Table MANFR_S3P2 contains aggregated data on complaints or claims relating to contracts and contractual documentation, including those concerning contracts cancelled due to identity theft and fictitious ownership.

Finally, Annex 5 to the Consultation Paper contains a questionnaire setting out information on the company’s organisational structure and the procedures – including IT-related procedures – adopted by the company to prevent and combat the risk of fraud, both when taking out policies and when settling claims.

Regarding the deadlines for submitting the report, the Regulations state:

• Insurance undertakings authorised in Italy must submit the report, approved by the board of directors, within one month of the date of approval of the annual financial statements.
• Undertakings with their registered office in an EU member state, as referred to in Article 3, have to submit the report by 31 May each year.

The technical procedures for submitting the tables and questionnaire are set out in the document entitled “Instructions for the electronic submission of data relating to the regulation on the preparation of the anti-fraud activity report template”, with an Excel spreadsheet illustrating the data layout. Both are available on the IVASS website in the section dedicated to the Motor Liability Insurance and Anti-Fraud Databases.

The draft Regulation repeals ISVAP Regulation No. 44 of 9 August 2012 and IVASS Order No. 1 of 19 March 2013 and will enter into force on the day following its publication in the Official Gazette of the Italian Republic.

Any comments, observations or suggestions with regard to the Regulation should be sent to IVASS by 22 April 2026 to relazioneantifrode@ivass.it, using the file attached to the Consultation Document, available here.

The Consultation Document is available here.