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Compliance & Regulatory

A complaints register that keeps the 45-day clock for you.

Italian insurance intermediaries must keep a complaints register and reply within 45 days. InsureC keeps the register next to your clients and policies, counts down every open deadline, and builds the Allegato 4 annual return from what you have already recorded.

What the register does

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45-day deadline tracking

The clock starts on the date a complaint is received. Open complaints show the days left, and anything past 45 days is flagged: art. 10-quater allows no extension.

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Complaints that are not yours to answer

Mark a complaint about the insurer's conduct as the insurer's, record who you forwarded it to, and it stays on the register as forwarded.

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The Allegato 1 fields

Admissibility (T/NT), product, business area, who lodged it and in what capacity, province and economic value, in the wording IVASS uses.

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Allegato 4 annual return

Export the year's return from the register, with each complaint's geographic area derived from the complainant's province.

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Replies and root causes

Record the reply date, outcome and what you told the complainant, confirm the IVASS or ADR notice on a rejection (art. 10-quater c.2), and note the underlying cause (art. 10-undecies).

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Complaints-handling policy reminder

The register warns when no complaints-handling policy is on file, or when its last review is more than a year old (art. 10-bis).

Why this matters

A complaint answered late is a breach in its own right, whatever the answer turns out to be. The register makes the deadline visible from the day the complaint arrives, instead of when someone remembers to check.

Common questions

Which rules is the register built on?

ISVAP Regulation No. 24 of 19 May 2008 on complaints handling, as it applies to insurance intermediaries: the 45-day reply deadline, the Allegato 1 register fields and the Allegato 4 annual return. It is built for Italian brokers and agents and does not cover other countries' rules.

Can I bring in the register I already keep?

Yes. Save your existing register from Excel as CSV and import it. Italian column names and the Allegato 1 wording («Accolto», «R.C. Auto/Natanti», «T»/«NT») are understood as they are.

Does InsureC answer complaints for me?

No. The register tracks the deadline, records what was received and what you replied, and prepares the annual return. The reply itself is yours.

Does InsureC keep an audit log of every change?

Not yet. A log of who changed what, and when, is being built. Until it ships and is verified, we do not claim one.

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