L'articolo 13 del Codice CIMA: contesto e problematiche
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Il Regolamento n. 0001/CIMA/PCMA/PCE/2011 dell'11 aprile 2011, che modifica e integra le disposizioni del Codice delle assicurazioni relative alla sottoscrizione e alla gestione dei contratti, lo cita chiaramente.
Il pagamento dei premi è un elemento innegabile nella gestione dei sinistri. Il testo stabilisce che: la polizza entra in vigore con riserva del pagamento integrale del premio da parte dell'assicurato.
Questa disposizione è una risposta alle numerose carenze tecniche del mercato, come la morosità dei premi, e rafforza il principio "NESSUN PREMIO, NESSUNA GARANZIA". .
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