Overview
- The new requirement for third-party liability tied to a vehicle contrassegno took effect on Thursday, July 16, 2026, and immediately exposed a major compliance gap as many owners could not buy valid policies.
- Official data show only 133,135 contrassegni were issued by June 30, 2026, equal to roughly 10 percent of the estimated national fleet and leaving the majority unable to meet the law's targa-linked insurance condition.
- Consumer groups and market checks report that online comparators pulled quotes and insurers raised asking prices, with early published estimates and tests showing premiums from about €100 up to €417 or more in some cases.
- Local authorities have started enforcing the rules with fines, vehicle checks and at least one sharing-service revocation in Milan, while IVASS and the competition authority have opened inquiries into pricing and market practices.
- The rule shift raises practical and legal challenges for claim handling because there is no standardized vehicle libretto, crash reconstruction is harder for scooters, and victims may rely on the Fondo di Garanzia when vehicles are uninsured.