{"id":322933,"date":"2026-06-24T21:10:50","date_gmt":"2026-06-24T19:10:50","guid":{"rendered":"https:\/\/italien.news\/?p=322933"},"modified":"2026-06-24T21:10:50","modified_gmt":"2026-06-24T19:10:50","slug":"autoverzekering-italie","status":"publish","type":"post","link":"https:\/\/italien.news\/nl\/leben\/mobilitaet\/kfz-versicherung-italien\/","title":{"rendered":"Autoverzekering in Itali\u00eb: RCA en bonus-malus"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_89 ez-toc-wrap-center counter-hierarchy ez-toc-counter ez-toc-white ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title ez-toc-toggle\" style=\"cursor:pointer\">Inhoudsopgave<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle tabel met inhoud\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Schakel<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/italien.news\/nl\/leben\/mobilitaet\/kfz-versicherung-italien\/#Die_Pflicht_die_RCA\" >De verplichting: de RCA<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/italien.news\/nl\/leben\/mobilitaet\/kfz-versicherung-italien\/#Bonus-Malus_die_classe_di_merito\" >Bonus-malus: de \u2018classe di merito\u2019<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/italien.news\/nl\/leben\/mobilitaet\/kfz-versicherung-italien\/#Der_attestato_di_rischio_und_deine_Vorgeschichte\" >Het attestato di rischio en je voorgeschiedenis<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/italien.news\/nl\/leben\/mobilitaet\/kfz-versicherung-italien\/#Sparen_mit_der_legge_Bersani\" >Besparen met de wet van Bersani<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/italien.news\/nl\/leben\/mobilitaet\/kfz-versicherung-italien\/#Sinnvolle_Zusatzdeckungen\" >Nuttige aanvullende dekkingen<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/italien.news\/nl\/leben\/mobilitaet\/kfz-versicherung-italien\/#Kosten_und_Vergleich\" >Kosten en vergelijking<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/italien.news\/nl\/leben\/mobilitaet\/kfz-versicherung-italien\/#Was_du_als_Nachstes_tun_musst\" >Wat je nu moet doen<\/a><\/li><\/ul><\/nav><\/div>\n<div class=\"wpb-content-wrapper\" id=\"wpb-content-root\"><div class=\"row vc_row wpb_row vc_row-fluid\"><div class=\"jeg-vc-wrapper\"><div class=\"wpb_column jeg_column vc_column_container vc_col-sm-12\"><div class=\"jeg_wrapper wpb_wrapper\"><div class=\"vc_empty_space\"   style=\"height: 32px\"><span class=\"vc_empty_space_inner\"><\/span><\/div><\/div><\/div><\/div><\/div><div class=\"row vc_row wpb_row vc_row-fluid\"><div class=\"jeg-vc-wrapper\"><div class=\"wpb_column jeg_column vc_column_container vc_col-sm-12\"><div class=\"jeg_wrapper wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Zonder verzekering rijdt er in Itali\u00eb niets: een autoverzekering is verplicht. In deze gids wordt uitgelegd hoe het bonus-malussysteem werkt, of je Duitse schadevrije periode meetelt en hoe je kunt besparen \u2013 inclusief de belangrijkste Italiaanse termen.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<h2><span class=\"ez-toc-section\" id=\"Die_Pflicht_die_RCA\"><\/span>De verplichting: de RCA<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>De <strong>RCA<\/strong> (<em>autoborgtocht<\/em>) is de wettelijk voorgeschreven <strong>Aansprakelijkheidsverzekering voor motorvoertuigen<\/strong>. Zonder geldige RCA mag je niet rijden; de verzekering dekt schade die je aan anderen toebrengt. Het bewijs (vroeger de <em>contrassegno<\/em>-plaatje) voert de politie vandaag digitaal in via het kenteken.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<h2><span class=\"ez-toc-section\" id=\"Bonus-Malus_die_classe_di_merito\"><\/span>Bonus-malus: de \u2018classe di merito\u2019<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Itali\u00eb maakt gebruik van een <strong>Bonus-malussysteem<\/strong>, die <em>prestatieklassen<\/em> (Universele klasse <em>CU<\/em> van 1 tot en met 18). <strong>Klasse 1 is de goedkoopste.<\/strong> Als je een jaar zonder ongelukken rijdt, word je in een lagere risicoklasse ingedeeld (<em>bonus<\/em>); omhoog na een eigen schuld aan een ongeval (<em>malus<\/em>) \u2013 en de premie stijgt.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"row vc_row wpb_row vc_row-fluid\"><div class=\"jeg-vc-wrapper\"><div class=\"wpb_column jeg_column vc_column_container vc_col-sm-12\"><div class=\"jeg_wrapper wpb_wrapper\"><div  class=\"jeg_postblock_3 jeg_postblock jeg_module_hook jeg_pagination_disable jeg_col_3o3 jnews_module__0_6af1c6ff4d526  jeg_pb_boxed    with-format-icon\" data-unique=\"jnews_module__0_6af1c6ff4d526\">\n\t\t\t\t\t\n\t\t\t\t\t<div class=\"jeg_posts jeg_block_container\">\n                \n                <div class=\"jeg_posts jeg_load_more_flag\">\n                <article class=\"jeg_post jeg_pl_md_2 format-standard\">\n                <div class=\"jeg_thumb\">\n                    \n                    <a href=\"https:\/\/italien.news\/nl\/leben\/mobilitaet\/auto-kaufen-italien\/\" aria-label=\"Read article: Auto kaufen in Italien: Ablauf, Kosten und Ummeldung\"><div class=\"thumbnail-container animate-lazy  size-715\"><img decoding=\"async\" width=\"350\" height=\"250\" src=\"https:\/\/italien.news\/wp-content\/themes\/jnews\/assets\/img\/jeg-empty.png\" class=\"attachment-jnews-350x250 size-jnews-350x250 lazyload wp-post-image\" alt=\"Een auto kopen \u00a9 shutterstock.com\" sizes=\"(max-width: 350px) 100vw, 350px\" data-src=\"https:\/\/italien.news\/wp-content\/uploads\/2026\/06\/Autokaufen-350x250.webp\" data-srcset=\"https:\/\/italien.news\/wp-content\/uploads\/2026\/06\/Autokaufen-350x250.webp 350w, https:\/\/italien.news\/wp-content\/uploads\/2026\/06\/Autokaufen-120x86.webp 120w, https:\/\/italien.news\/wp-content\/uploads\/2026\/06\/Autokaufen-750x536.webp 750w\" data-sizes=\"auto\" data-expand=\"700\" \/><\/div><\/a>\n                <\/div>\n                <div class=\"jeg_postblock_content\">\n                    <h3 class=\"jeg_post_title\">\n                        <a href=\"https:\/\/italien.news\/nl\/leben\/mobilitaet\/auto-kaufen-italien\/\">Een auto kopen in Itali\u00eb: procedure, kosten en herregistratie<\/a>\n                    <\/h3>\n                    <div class=\"jeg_post_meta\"><div class=\"jeg_meta_date\"><a href=\"https:\/\/italien.news\/nl\/leben\/mobilitaet\/auto-kaufen-italien\/\"><div class=\"jeg-fa-4 jeg-icon-svg jeg-svg-clock-o\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 1536 1792\" aria-hidden=\"true\"><g transform=\"translate(0 1536) scale(1 -1)\"><path fill=\"currentColor\" d=\"M896 992v-448q0 -14 -9 -23t-23 -9h-320q-14 0 -23 9t-9 23v64q0 14 9 23t23 9h224v352q0 14 9 23t23 9h64q14 0 23 -9t9 -23zM1312 640q0 148 -73 273t-198 198t-273 73t-273 -73t-198 -198t-73 -273t73 -273t198 -198t273 -73t273 73t198 198t73 273zM1536 640 q0 -209 -103 -385.5t-279.5 -279.5t-385.5 -103t-385.5 103t-279.5 279.5t-103 385.5t103 385.5t279.5 279.5t385.5 103t385.5 -103t279.5 -279.5t103 -385.5z\"\/><\/g><\/svg><\/div> 24 juni 2026<\/a><\/div><\/div>\n                    <div class=\"jeg_post_excerpt\">\n                        <p>Een auto kopen in Itali\u00eb: tweedehands- of nieuwe auto, de \u2018passaggio di propriet\u00e0\u2019 (eigenaarswisseling), het \u2018Documento Unico\u2019, kosten (IPT) en de verplichte RCA-verzekering.<\/p>\n                    <\/div>\n                <\/div>\n            <\/article>\n            <\/div>\n                <div class='module-overlay'>\n\t\t\t\t    <div class='preloader_type preloader_dot'>\n\t\t\t\t        <div class=\"module-preloader jeg_preloader dot\">\n\t\t\t\t            <span><\/span><span><\/span><span><\/span>\n\t\t\t\t        <\/div>\n\t\t\t\t        <div class=\"module-preloader jeg_preloader circle\">\n\t\t\t\t            <div class=\"jnews_preloader_circle_outer\">\n\t\t\t\t                <div class=\"jnews_preloader_circle_inner\"><\/div>\n\t\t\t\t            <\/div>\n\t\t\t\t        <\/div>\n\t\t\t\t        <div class=\"module-preloader jeg_preloader square\">\n\t\t\t\t            <div class=\"jeg_square\">\n\t\t\t\t                <div class=\"jeg_square_inner\"><\/div>\n\t\t\t\t            <\/div>\n\t\t\t\t        <\/div>\n\t\t\t\t    <\/div>\n\t\t\t\t<\/div>\n            <\/div>\n            <div 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class=\"row vc_row wpb_row vc_row-fluid\"><div class=\"jeg-vc-wrapper\"><div class=\"wpb_column jeg_column vc_column_container vc_col-sm-12\"><div class=\"jeg_wrapper wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<h2><span class=\"ez-toc-section\" id=\"Der_attestato_di_rischio_und_deine_Vorgeschichte\"><\/span>Het attestato di rischio en je voorgeschiedenis<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Je schadegeschiedenis wordt bijgehouden door de <strong>risicocertificaat<\/strong>, die je verzekering bijhoudt en bij een overstap meegeeft. Goed nieuws voor emigranten: veel Italiaanse verzekeraars erkennen een <strong>buitenlands bewijs van schadevrij rijden<\/strong> (met vertaling) en hanteren ze een bijbehorend voordelig tarief \u2013 vraag hier actief naar voordat je het contract ondertekent.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<h2><span class=\"ez-toc-section\" id=\"Sparen_mit_der_legge_Bersani\"><\/span>Besparen met de wet van Bersani<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Een echte besparingstip is de <strong>leg Bersani<\/strong>: Als je nog een voertuig verzekert, kun je de <strong>de hoogste prestatieklasse van een gezinslid dat in hetzelfde huishouden woont<\/strong> overnemen \u2013 in plaats van als dure nieuwkomer te beginnen. Dat verlaagt de premie aanzienlijk.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<h2><span class=\"ez-toc-section\" id=\"Sinnvolle_Zusatzdeckungen\"><\/span>Nuttige aanvullende dekkingen<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><strong>diefstal en brand<\/strong>: Diefstal en brand.<\/li>\n<li><strong>casco<\/strong> (<em>botsing<\/em>): Schade aan de eigen auto.<\/li>\n<li><strong>cristalli<\/strong>: Glasbreuk.<\/li>\n<li><strong>pechhulp<\/strong>: pechhulp; vaak in combinatie met rechtsbijstand (<em>rechtsbijstand<\/em>).<\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<h2><span class=\"ez-toc-section\" id=\"Kosten_und_Vergleich\"><\/span>Kosten en vergelijking<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>De premies zijn sterk afhankelijk van <strong>Regio, voertuig en meritrang<\/strong> vanaf \u2013 in sommige Zuid-Italiaanse provincies liggen ze aanzienlijk hoger. Vergelijk verschillende offertes (ook via vergelijkingssites) en let niet alleen op de prijs, maar ook op de dekking en het eigen risico. De verzekeraars staan onder toezicht van de autoriteiten <strong>IVASS<\/strong>.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<h2><span class=\"ez-toc-section\" id=\"Was_du_als_Nachstes_tun_musst\"><\/span>Wat je nu moet doen<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Zorg ervoor dat je, voordat je <a href=\"https:\/\/italien.news\/nl\/leven\/mobiliteit\/auto-kopen-in-italie\/\">Een auto kopen<\/a> verschillende RCA-aanbiedingen, laat je buitenlandse schadevrije periode meetellen en kijk of de wet Bersani van toepassing is, mocht iemand in het huishouden al een goede schadeklasse hebben. Sluit de verzekering af voordat je vertrekt \u2013 en verdiep je in de <a href=\"https:\/\/italien.news\/nl\/leven\/mobiliteit\/regels-voor-autorijden-in-italie\/\">Verkeersregels<\/a> bekend.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"row vc_row wpb_row vc_row-fluid\"><div class=\"jeg-vc-wrapper\"><div class=\"wpb_column jeg_column vc_column_container vc_col-sm-12\"><div class=\"jeg_wrapper wpb_wrapper\"><div class=\"vc_empty_space\"   style=\"height: 32px\"><span class=\"vc_empty_space_inner\"><\/span><\/div><\/div><\/div><\/div><\/div><div class=\"row vc_row wpb_row vc_row-fluid\"><div class=\"jeg-vc-wrapper\"><div class=\"wpb_column jeg_column vc_column_container vc_col-sm-12\"><div class=\"jeg_wrapper wpb_wrapper\"><div  class=\"jeg_block_heading jeg_block_heading_6 jeg_alignleft jnews_module__1_6af1c6ff4fd22\">\n                <h3 class=\"jeg_block_title\"><span>FAQ - Veelgestelde vragen over autoverzekeringen in Itali\u00eb<\/span><\/h3>\n                \n            <\/div><div  class='jnews-faq-wrapper jnews_module__2_6af1c6ff4ff00 style-4'>\n\t\t\t\t    \n        <div class=\"list-wrapper expand\">\n            <a class=\"list-toogle\" href=\"#\" aria-label=\"Toggle FAQ: Ist eine Kfz-Versicherung in Italien Pflicht?\">\n                <h5 class=\"question\">Is een autoverzekering in Itali\u00eb verplicht?<\/h5>\n                <svg class=\"faq-icon\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"14\" height=\"8\" viewbox=\"0 0 14 8\" fill=\"none\">\n                    <path d=\"M13.6152 0.369517C13.3685 0.132903 13.0341 0 12.6855 0C12.3368 0 12.0024 0.132903 11.7557 0.369517L6.98417 4.95184L2.21262 0.369517C1.96321 0.146331 1.63333 0.024827 1.29248 0.0306025C0.951625 0.0363779 0.626413 0.168982 0.385357 0.400478C0.1443 0.631975 0.00621891 0.94429 0.00020504 1.27162C-0.00580883 1.59896 0.120714 1.91576 0.353117 2.15528L6.05442 7.63048C6.30111 7.8671 6.63551 8 6.98417 8C7.33283 8 7.66723 7.8671 7.91392 7.63048L13.6152 2.15528C13.8616 1.91837 14 1.59723 14 1.2624C14 0.927566 13.8616 0.606426 13.6152 0.369517Z\" fill=\"black\" \/>\n                <\/svg>\n            <\/a>\n            <div class=\"card-expand\">\n                <p>Ja, de RCA-aansprakelijkheidsverzekering (responsabilit\u00e0 civile auto) is wettelijk verplicht. Zonder deze verzekering mag je niet rijden.<\/p>\n\n            <\/div>\n        <\/div>\n        <div class=\"list-wrapper\">\n            <a class=\"list-toogle\" href=\"#\" aria-label=\"Toggle FAQ: Was ist die classe di merito?\">\n                <h5 class=\"question\">Wat is de \u2018classe di merito\u2019?<\/h5>\n                <svg class=\"faq-icon\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"14\" height=\"8\" viewbox=\"0 0 14 8\" fill=\"none\">\n                    <path d=\"M13.6152 0.369517C13.3685 0.132903 13.0341 0 12.6855 0C12.3368 0 12.0024 0.132903 11.7557 0.369517L6.98417 4.95184L2.21262 0.369517C1.96321 0.146331 1.63333 0.024827 1.29248 0.0306025C0.951625 0.0363779 0.626413 0.168982 0.385357 0.400478C0.1443 0.631975 0.00621891 0.94429 0.00020504 1.27162C-0.00580883 1.59896 0.120714 1.91576 0.353117 2.15528L6.05442 7.63048C6.30111 7.8671 6.63551 8 6.98417 8C7.33283 8 7.66723 7.8671 7.91392 7.63048L13.6152 2.15528C13.8616 1.91837 14 1.59723 14 1.2624C14 0.927566 13.8616 0.606426 13.6152 0.369517Z\" fill=\"black\" \/>\n                <\/svg>\n            <\/a>\n            <div class=\"card-expand\" style=\"display: none;\">\n                <p>De bonus-malusklasse (CU 1\u201318). Klasse 1 is de goedkoopste; na een eigen schuldongeval word je een klasse hoger ingedeeld, bij een ongevalvrij jaar een klasse lager.<\/p>\n\n            <\/div>\n        <\/div>\n        <div class=\"list-wrapper\">\n            <a class=\"list-toogle\" href=\"#\" aria-label=\"Toggle FAQ: Was ist der attestato di rischio?\">\n                <h5 class=\"question\">Wat is het attestato di rischio?<\/h5>\n                <svg class=\"faq-icon\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"14\" height=\"8\" viewbox=\"0 0 14 8\" fill=\"none\">\n                    <path d=\"M13.6152 0.369517C13.3685 0.132903 13.0341 0 12.6855 0C12.3368 0 12.0024 0.132903 11.7557 0.369517L6.98417 4.95184L2.21262 0.369517C1.96321 0.146331 1.63333 0.024827 1.29248 0.0306025C0.951625 0.0363779 0.626413 0.168982 0.385357 0.400478C0.1443 0.631975 0.00621891 0.94429 0.00020504 1.27162C-0.00580883 1.59896 0.120714 1.91576 0.353117 2.15528L6.05442 7.63048C6.30111 7.8671 6.63551 8 6.98417 8C7.33283 8 7.66723 7.8671 7.91392 7.63048L13.6152 2.15528C13.8616 1.91837 14 1.59723 14 1.2624C14 0.927566 13.8616 0.606426 13.6152 0.369517Z\" fill=\"black\" \/>\n                <\/svg>\n            <\/a>\n            <div class=\"card-expand\" style=\"display: none;\">\n                <p>Een verklaring over je schadegeschiedenis, die door je verzekeraar wordt bijgehouden en die je bij een overstap ontvangt.<\/p>\n\n            <\/div>\n        <\/div>\n        <div class=\"list-wrapper\">\n            <a class=\"list-toogle\" href=\"#\" aria-label=\"Toggle FAQ: Z\u00e4hlt meine ausl\u00e4ndische Schadenfreiheit?\">\n                <h5 class=\"question\">Telt mijn schadevrije periode in het buitenland mee?<\/h5>\n                <svg class=\"faq-icon\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"14\" height=\"8\" viewbox=\"0 0 14 8\" fill=\"none\">\n                    <path d=\"M13.6152 0.369517C13.3685 0.132903 13.0341 0 12.6855 0C12.3368 0 12.0024 0.132903 11.7557 0.369517L6.98417 4.95184L2.21262 0.369517C1.96321 0.146331 1.63333 0.024827 1.29248 0.0306025C0.951625 0.0363779 0.626413 0.168982 0.385357 0.400478C0.1443 0.631975 0.00621891 0.94429 0.00020504 1.27162C-0.00580883 1.59896 0.120714 1.91576 0.353117 2.15528L6.05442 7.63048C6.30111 7.8671 6.63551 8 6.98417 8C7.33283 8 7.66723 7.8671 7.91392 7.63048L13.6152 2.15528C13.8616 1.91837 14 1.59723 14 1.2624C14 0.927566 13.8616 0.606426 13.6152 0.369517Z\" fill=\"black\" \/>\n                <\/svg>\n            <\/a>\n            <div class=\"card-expand\" style=\"display: none;\">\n                <p>Vaak wel. Veel verzekeraars erkennen een buitenlands bewijs van schadevrij rijden (met vertaling) en delen je op basis daarvan in.<\/p>\n\n            <\/div>\n        <\/div>\n        <div class=\"list-wrapper\">\n            <a class=\"list-toogle\" href=\"#\" aria-label=\"Toggle FAQ: Was ist die legge Bersani?\">\n                <h5 class=\"question\">Wat is de wet van Bersani?<\/h5>\n                <svg class=\"faq-icon\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"14\" height=\"8\" viewbox=\"0 0 14 8\" fill=\"none\">\n                    <path d=\"M13.6152 0.369517C13.3685 0.132903 13.0341 0 12.6855 0C12.3368 0 12.0024 0.132903 11.7557 0.369517L6.98417 4.95184L2.21262 0.369517C1.96321 0.146331 1.63333 0.024827 1.29248 0.0306025C0.951625 0.0363779 0.626413 0.168982 0.385357 0.400478C0.1443 0.631975 0.00621891 0.94429 0.00020504 1.27162C-0.00580883 1.59896 0.120714 1.91576 0.353117 2.15528L6.05442 7.63048C6.30111 7.8671 6.63551 8 6.98417 8C7.33283 8 7.66723 7.8671 7.91392 7.63048L13.6152 2.15528C13.8616 1.91837 14 1.59723 14 1.2624C14 0.927566 13.8616 0.606426 13.6152 0.369517Z\" fill=\"black\" \/>\n                <\/svg>\n            <\/a>\n            <div class=\"card-expand\" style=\"display: none;\">\n                <p>Een regel waarmee je voor een extra auto de beste classe di merito van een gezinslid in het huishouden kunt overnemen \u2013 dat levert een flinke besparing op.<\/p>\n\n            <\/div>\n        <\/div>\n        <div class=\"list-wrapper\">\n            <a class=\"list-toogle\" href=\"#\" aria-label=\"Toggle FAQ: Welche Zusatzdeckungen gibt es?\">\n                <h5 class=\"question\">Welke aanvullende dekkingen zijn er?<\/h5>\n                <svg class=\"faq-icon\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"14\" height=\"8\" viewbox=\"0 0 14 8\" fill=\"none\">\n                    <path d=\"M13.6152 0.369517C13.3685 0.132903 13.0341 0 12.6855 0C12.3368 0 12.0024 0.132903 11.7557 0.369517L6.98417 4.95184L2.21262 0.369517C1.96321 0.146331 1.63333 0.024827 1.29248 0.0306025C0.951625 0.0363779 0.626413 0.168982 0.385357 0.400478C0.1443 0.631975 0.00621891 0.94429 0.00020504 1.27162C-0.00580883 1.59896 0.120714 1.91576 0.353117 2.15528L6.05442 7.63048C6.30111 7.8671 6.63551 8 6.98417 8C7.33283 8 7.66723 7.8671 7.91392 7.63048L13.6152 2.15528C13.8616 1.91837 14 1.59723 14 1.2624C14 0.927566 13.8616 0.606426 13.6152 0.369517Z\" fill=\"black\" \/>\n                <\/svg>\n            <\/a>\n            <div class=\"card-expand\" style=\"display: none;\">\n                <p>Onder andere diefstal en brand (furto e incendio), volledige cascoverzekering (kasko), glasbreuk (cristalli), pechhulp (assistenza stradale) en rechtsbijstand.<\/p>\n\n            <\/div>\n        <\/div>\n        <div class=\"list-wrapper\">\n            <a class=\"list-toogle\" href=\"#\" aria-label=\"Toggle FAQ: Warum ist die Versicherung im S\u00fcden teurer?\">\n                <h5 class=\"question\">Waarom is de verzekering in het zuiden duurder?<\/h5>\n                <svg class=\"faq-icon\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"14\" height=\"8\" viewbox=\"0 0 14 8\" fill=\"none\">\n                    <path d=\"M13.6152 0.369517C13.3685 0.132903 13.0341 0 12.6855 0C12.3368 0 12.0024 0.132903 11.7557 0.369517L6.98417 4.95184L2.21262 0.369517C1.96321 0.146331 1.63333 0.024827 1.29248 0.0306025C0.951625 0.0363779 0.626413 0.168982 0.385357 0.400478C0.1443 0.631975 0.00621891 0.94429 0.00020504 1.27162C-0.00580883 1.59896 0.120714 1.91576 0.353117 2.15528L6.05442 7.63048C6.30111 7.8671 6.63551 8 6.98417 8C7.33283 8 7.66723 7.8671 7.91392 7.63048L13.6152 2.15528C13.8616 1.91837 14 1.59723 14 1.2624C14 0.927566 13.8616 0.606426 13.6152 0.369517Z\" fill=\"black\" \/>\n                <\/svg>\n            <\/a>\n            <div class=\"card-expand\" style=\"display: none;\">\n                <p>De premies zijn sterk afhankelijk van de regio en de schadestatistieken; in sommige provincies in Zuid-Itali\u00eb liggen ze aanzienlijk hoger.<\/p>\n\n            <\/div>\n        <\/div>\n        <div class=\"list-wrapper\">\n            <a class=\"list-toogle\" href=\"#\" aria-label=\"Toggle FAQ: Wie finde ich eine g\u00fcnstige Police?\">\n                <h5 class=\"question\">Hoe vind ik een voordelige verzekering?<\/h5>\n                <svg class=\"faq-icon\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"14\" height=\"8\" viewbox=\"0 0 14 8\" fill=\"none\">\n                    <path d=\"M13.6152 0.369517C13.3685 0.132903 13.0341 0 12.6855 0C12.3368 0 12.0024 0.132903 11.7557 0.369517L6.98417 4.95184L2.21262 0.369517C1.96321 0.146331 1.63333 0.024827 1.29248 0.0306025C0.951625 0.0363779 0.626413 0.168982 0.385357 0.400478C0.1443 0.631975 0.00621891 0.94429 0.00020504 1.27162C-0.00580883 1.59896 0.120714 1.91576 0.353117 2.15528L6.05442 7.63048C6.30111 7.8671 6.63551 8 6.98417 8C7.33283 8 7.66723 7.8671 7.91392 7.63048L13.6152 2.15528C13.8616 1.91837 14 1.59723 14 1.2624C14 0.927566 13.8616 0.606426 13.6152 0.369517Z\" fill=\"black\" \/>\n                <\/svg>\n            <\/a>\n            <div class=\"card-expand\" style=\"display: none;\">\n                <p>Via vergelijkingssites en verschillende aanbiedingen. Let op de dekking en het eigen risico, niet alleen op de prijs.<\/p>\n\n            <\/div>\n        <\/div>\n        <div class=\"list-wrapper\">\n            <a class=\"list-toogle\" href=\"#\" aria-label=\"Toggle FAQ: Brauche ich die Versicherung schon beim Kauf?\">\n                <h5 class=\"question\">Heb ik de verzekering al nodig bij de aankoop?<\/h5>\n                <svg class=\"faq-icon\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"14\" height=\"8\" viewbox=\"0 0 14 8\" fill=\"none\">\n                    <path d=\"M13.6152 0.369517C13.3685 0.132903 13.0341 0 12.6855 0C12.3368 0 12.0024 0.132903 11.7557 0.369517L6.98417 4.95184L2.21262 0.369517C1.96321 0.146331 1.63333 0.024827 1.29248 0.0306025C0.951625 0.0363779 0.626413 0.168982 0.385357 0.400478C0.1443 0.631975 0.00621891 0.94429 0.00020504 1.27162C-0.00580883 1.59896 0.120714 1.91576 0.353117 2.15528L6.05442 7.63048C6.30111 7.8671 6.63551 8 6.98417 8C7.33283 8 7.66723 7.8671 7.91392 7.63048L13.6152 2.15528C13.8616 1.91837 14 1.59723 14 1.2624C14 0.927566 13.8616 0.606426 13.6152 0.369517Z\" fill=\"black\" \/>\n                <\/svg>\n            <\/a>\n            <div class=\"card-expand\" style=\"display: none;\">\n                <p>Ja, de RCA moet zijn afgerond voordat je het voertuig mag gebruiken.<\/p>\n\n            <\/div>\n        <\/div>\n        <div class=\"list-wrapper\">\n            <a class=\"list-toogle\" href=\"#\" aria-label=\"Toggle FAQ: Wer beaufsichtigt die Versicherer?\">\n                <h5 class=\"question\">Wie houdt toezicht op de verzekeraars?<\/h5>\n                <svg class=\"faq-icon\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"14\" height=\"8\" viewbox=\"0 0 14 8\" fill=\"none\">\n                    <path d=\"M13.6152 0.369517C13.3685 0.132903 13.0341 0 12.6855 0C12.3368 0 12.0024 0.132903 11.7557 0.369517L6.98417 4.95184L2.21262 0.369517C1.96321 0.146331 1.63333 0.024827 1.29248 0.0306025C0.951625 0.0363779 0.626413 0.168982 0.385357 0.400478C0.1443 0.631975 0.00621891 0.94429 0.00020504 1.27162C-0.00580883 1.59896 0.120714 1.91576 0.353117 2.15528L6.05442 7.63048C6.30111 7.8671 6.63551 8 6.98417 8C7.33283 8 7.66723 7.8671 7.91392 7.63048L13.6152 2.15528C13.8616 1.91837 14 1.59723 14 1.2624C14 0.927566 13.8616 0.606426 13.6152 0.369517Z\" fill=\"black\" \/>\n                <\/svg>\n            <\/a>\n            <div class=\"card-expand\" style=\"display: none;\">\n                <p>De toezichthoudende autoriteit IVASS (Istituto per la Vigilanza sulle Assicurazioni).<\/p>\n\n            <\/div>\n        <\/div>\n\t\t    <\/div><\/div><\/div><\/div><\/div><div class=\"row vc_row wpb_row vc_row-fluid\"><div class=\"jeg-vc-wrapper\"><div class=\"wpb_column jeg_column vc_column_container vc_col-sm-12\"><div class=\"jeg_wrapper wpb_wrapper\"><div class=\"vc_empty_space\"   style=\"height: 32px\"><span class=\"vc_empty_space_inner\"><\/span><\/div><\/div><\/div><\/div><\/div><div class=\"row vc_row wpb_row vc_row-fluid\"><div class=\"jeg-vc-wrapper\"><div class=\"wpb_column jeg_column vc_column_container vc_col-sm-12\"><div class=\"jeg_wrapper wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div style=\"border: 1px solid #f1f1f1; padding: 15px;\">\n<h4>Bronnen<\/h4>\n<ol style=\"font-size: 11px; line-height: 1.5;\">\n<li><a href=\"https:\/\/www.ivass.it\/\" target=\"_blank\" rel=\"noopener\">IVASS \u2013 Instituut voor het toezicht op verzekeringen<\/a> (geraadpleegd in juni 2026)<\/li>\n<li><a href=\"https:\/\/europa.eu\/youreurope\/citizens\/vehicles\/insurance\/index_de.htm\" target=\"_blank\" rel=\"noopener\">Your Europe (Europese Unie) \u2013 Autoverzekering in het buitenland<\/a> (geraadpleegd in juni 2026)<\/li>\n<\/ol>\n<\/div>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Autoverzekering in Itali\u00eb: de verplichte aansprakelijkheidsverzekering (RCA), het bonus-malussysteem (classe di merito), het attestato di rischio, de wet Bersani en hoe je kunt besparen.<\/p>","protected":false},"author":2,"featured_media":322978,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inwp_podcast_mp3":"","inwp_podcast_apple":"","inwp_podcast_spotify":"","inwp_podcast_youtube":"","inw_restaurant_url":"","inw_restaurant_lat":"","inw_restaurant_lng":"","in_event_type":"","in_event_featured":"","in_event_teaser":"","in_event_name":"","in_event_address":"","in_event_status":"","in_event_turnus":"","inw_hotel_email":"","inw_hotel_type":"","inw_hotel_name":"","inw_hotel_street":"","inw_hotel_zip":"","inw_hotel_city":"","inw_hotel_region":"","inw_hotel_country":"","inw_hotel_phone":"","inw_hotel_url":"","inw_hotel_lat":"","inw_hotel_lng":"","inw_hotel_pricerange":"","inw_hotel_stars":"","inw_hotel_amenities":"","in_event_start":"","in_event_end":"","in_event_time":"","in_event_time_end":"","in_event_location":"","in_event_city":"","in_event_region":"","in_event_price":"","in_event_organizer":"","in_event_url":"","in_event_sort":"","in_event_sort_end":"","jnews-multi-image_gallery":[],"jnews_single_post":{"subtitle":"Die Pflichthaftpflicht RCA, das Bonus-Malus-System (classe di merito), der attestato di rischio und die legge Bersani: So funktioniert und kostet die Kfz-Versicherung in Italien.","format":"standard","jnews_video_option_group":[[]],"override":[{"template":"1","parallax":"1","fullscreen":"1","layout":"right-sidebar","sidebar":"default-sidebar","second_sidebar":"default-sidebar","sticky_sidebar":"1","share_position":"bottom","share_float_style":"share-monocrhome","show_featured":"1","show_post_meta":"1","show_post_author":"1","show_post_author_image":"1","show_post_date":"1","post_date_format":"default","post_date_format_custom":"Y\/m\/d","show_post_category":"1","show_post_reading_time":"1","post_reading_time_wpm":"300","post_calculate_word_method":"str_word_count","show_zoom_button":"1","zoom_button_out_step":"2","zoom_button_in_step":"3","show_post_tag":"1","show_prev_next_post":"1","show_popup_post":"1","show_comment_section":"1","number_popup_post":"5","show_post_related":"1","show_inline_post_related":"1"}],"image_override":[{"single_post_thumbnail_size":"crop-500","single_post_gallery_size":"crop-500"}],"trending_post_position":"meta","trending_post_label":"Trending","sponsored_post_label":"Sponsored by","disable_ad":"0"},"jnews_primary_category":[],"jnews_social_meta":[],"jnews_override_counter":{"view_counter_number":"0","share_counter_number":"0","like_counter_number":"0","dislike_counter_number":"0"},"footnotes":""},"categories":[19795],"tags":[19800,20251,20372],"class_list":["post-322933","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mobilitaet","tag-auswandern-italien","tag-leben-in-italien","tag-mobilitaet-italien"],"_links":{"self":[{"href":"https:\/\/italien.news\/nl\/wp-json\/wp\/v2\/posts\/322933","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/italien.news\/nl\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/italien.news\/nl\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/italien.news\/nl\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/italien.news\/nl\/wp-json\/wp\/v2\/comments?post=322933"}],"version-history":[{"count":0,"href":"https:\/\/italien.news\/nl\/wp-json\/wp\/v2\/posts\/322933\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/italien.news\/nl\/wp-json\/wp\/v2\/media\/322978"}],"wp:attachment":[{"href":"https:\/\/italien.news\/nl\/wp-json\/wp\/v2\/media?parent=322933"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/italien.news\/nl\/wp-json\/wp\/v2\/categories?post=322933"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/italien.news\/nl\/wp-json\/wp\/v2\/tags?post=322933"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}