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Unipol Assicurazioni S.p.A:

Unipol

Unipol is one of Italy's largest insurance groups, leading in non-life insurance and motor liability coverage.

Lobbying Activity

Meeting with Lauro Panella (Cabinet of Commissioner Maria Luís Albuquerque)

19 Nov 2025 · Savings and Investments Union (SIU)

Meeting with Stefano Bonaccini (Member of the European Parliament)

18 Nov 2025 · Meeting with Unipol

Meeting with Raffaele Fitto (Executive Vice-President) and

18 Nov 2025 · Exchange of Views on financial and investment issues

Meeting with Ugo Bassi (Director Financial Stability, Financial Services and Capital Markets Union)

18 Nov 2025 · Regulatory developments (insurance and banking)

Meeting with Stefano Cavedagna (Member of the European Parliament)

23 Oct 2025 · Introductory meeting and presentation of the new office prerogatives in Brussels

Meeting with Marco Squarta (Member of the European Parliament)

22 Oct 2025 · Introductive meeting about the company's activies

Meeting with Isabella Tovaglieri (Member of the European Parliament)

22 Oct 2025 · Discussione sul sistema assicurativo

Meeting with Giovanni Crosetto (Member of the European Parliament, Shadow rapporteur) and Association for Financial Markets in Europe

21 Oct 2025 · Securitisation Framework

Unipol Group urges withdrawal of financial data access rules

14 Oct 2025
Topic — EU consultation on simplifying digital regulations to reduce administrative burdens for companies.
Message — Unipol requests the withdrawal of the financial data access proposal and narrower high-risk AI classifications. They also call for cheaper access to vehicle data and a single hub for cyber-incident reporting.123
Why — These changes would significantly reduce compliance expenses and protect sensitive proprietary pricing algorithms.45
Impact — Tech gatekeepers and car manufacturers would lose their dominant control over profitable data.67
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Unipol Assicurazioni urges EU to refine insurance capital rules

5 Sept 2025
Topic — Technical rules supplementing the review of prudential regulations for European insurers.
Message — Unipol requests lower caps on risk correction to maintain stability during market stress. They advocate for internal model users to receive lower capital charges for long-term equity. Additionally, they seek to address the regulatory disparities between banking and insurance sectors regarding investments.123
Why — This would lower their capital burden and improve the profitability of investments.45
Impact — Banking groups would lose the competitive advantage provided by favorable cross-sectoral investment rules.6
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Unipol Urges EU Public-Private Partnerships for Climate Risk

4 Sept 2025
Topic — The European Commission is developing a framework for climate resilience and risk management.
Message — Unipol proposes multi-layered public-private partnerships to distribute natural catastrophe losses and keep premiums affordable. They suggest creating an EU financial instrument for adaptation and offering fiscal incentives to households. They also recommend developing a data-sharing infrastructure to improve risk assessment accuracy.123
Why — Increased insurance penetration and public risk-sharing would stabilize Unipol's long-term returns and revenue.45
Impact — Public authorities may face greater financial liabilities by backstopping private insurance for extreme disasters.6
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Response to Supplementary pensions – review of the regulatory framework and other measures to strengthen the sector

21 Jul 2025

Unipol welcomes the opportunity to take part in this Call for Evidence on supplementary pensions. We appreciate the initiative taken by the Commission in this field, as the European supplementary pensions sector demands urgent intervention to strengthen the protection of EU citizens and foster the soundness of EU financial markets. We would like to take this chance to point out three main courses of action we feel are the most relevant among those addressed by this consultation process. Firstly, we believe that the strengthening of Auto-enrollment (AE) mechanisms is the most effective way to enhance the participation of workers in integrative schemes. With regard to this topic, we feel that to be effective these mechanisms should be established by the legislator and should be extended to a number of individuals as large as possible, so that second-pillar pensions providers are able to reach economies of scale and keep the costs low for members. However, we recognize that the AE mechanism may not be applicable to all categories of workers notably to the self-employed, who represent a large share of the workforce in many EU countries. For these workers, it is essential to promote participation in third-pillar pension schemes through public incentives (e.g., through tax incentives). Without such measures, there is a risk that workers excluded from AE mechanism may face relative financial disadvantages in the long term, compared to those who are automatically enrolled and benefit from collective arrangements and potentially lower costs. Encouraging voluntary participation in third-pillar schemes would not only support pension adequacy for the self-employed but would also help to ensure a more equitable and inclusive development of supplementary pensions across different segments of the workforce. Moreover, it would increase the amount of financial resources collected by pension schemes, contributing to creating financing opportunities for the EU economy and to supporting long-term investment projects. With general reference to the design of the investment option of supplementary schemes, it is important that, in long-term products such as those under consideration, the default or basic options include more dynamic asset allocation strategies - without prejudice to the availability of alternative investment options. Incorporating life-cycle strategies into the default or basic options would promote a more efficient asset allocation across the different stages of investors' lives particularly benefiting younger subscribers providing continuous support in guiding investment choices while helping to channel significant resources toward long-term equity investments and the EU economys financing needs. Finally, we encourage the Commission to revise the PEPP Regulation by removing all the rigidities that have so far prevented providers from offering this product to EU customers. We believe that the PEPP has the potential to become an appealing third-pillar savings tool, on the condition that the targeted audience is extended to every EU citizen (i.e., not only to mobile workers) and that its supply is economically sustainable for providers. In this field, we believe that the PEPP Regulation should avoid imposing overly rigid rules that hamper financial innovation, such as excessively strict fee cap on the Basic PEPP.
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Meeting with Carlo Fidanza (Member of the European Parliament)

5 Mar 2025 · General discussion and Unipol priority

Meeting with Marco Falcone (Member of the European Parliament)

4 Mar 2025 · Competition policy

Meeting with Lauro Panella (Cabinet of Commissioner Maria Luís Albuquerque)

4 Mar 2025 · Unipol prensented their company and activities

Meeting with Ugo Bassi (Director Financial Stability, Financial Services and Capital Markets Union)

4 Mar 2025 · Overview of the main dossiers under discussion at the European level.

Meeting with Raffaele Topo (Member of the European Parliament)

12 Sept 2024 · Public health

Meeting with Irene Tinagli (Member of the European Parliament)

12 Sept 2024 · Meeting on insurance issues

Meeting with Marco Zanni (Member of the European Parliament, Shadow rapporteur)

4 Mar 2024 · Retail Investment Strategy

Meeting with Marco Zanni (Member of the European Parliament, Shadow rapporteur)

4 Mar 2024 · Solvency II, EU Affairs

Response to Claims history statement template for motor insurance

23 Feb 2024

Unipol Group welcomes the opportunity to provide its comments on the Commission Implementing Regulation. For further information please see the document attached. Kind regards.
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Unipol Group urges EU to simplify health data processing rules

8 Feb 2024
Topic — The Commission is reporting on the application of the GDPR after six years of use.
Message — Unipol requests a new legal basis to process sensitive health data for insurance contracts. They also want to maintain flexible rules for data use based on legitimate interests. Finally, they seek sector-specific laws regarding access to vehicle data.123
Why — These changes would reduce operational conflicts and provide the insurance industry with legal certainty.456
Impact — National authorities lose the power to implement stricter data protections at the local level.7
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Meeting with Irene Tinagli (Member of the European Parliament, Committee chair)

5 Dec 2023 · Meeting on Financial Issues

Unipol Group Demands Data Reciprocity and Longer Implementation Timelines

1 Nov 2023
Topic — The European Commission is consulting on rules for sharing customer financial data.
Message — Unipol requests excluding sensitive health data and proprietary insights from sharing obligations. They advocate for a reciprocity clause to ensure fair competition with tech gatekeepers. Finally, they propose extending the regulatory implementation timeline to thirty-six months.123
Why — These changes would protect their commercial secrets and lower immediate technical costs.45
Impact — Big Tech firms would lose their exclusive control over valuable consumer information.6
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Meeting with Mairead McGuinness (Commissioner) and

18 Jul 2023 · Distribution of Retail financial products

Meeting with Marco Zanni (Member of the European Parliament, Shadow rapporteur)

11 Jul 2023 · Solvency II review

Meeting with Patrizia Toia (Member of the European Parliament)

11 Jul 2023 · European Digital Identity

Meeting with Elisabetta Gualmini (Member of the European Parliament)

28 Mar 2023 · Solvency II

Meeting with Marco Zanni (Member of the European Parliament, Shadow rapporteur)

27 Mar 2023 · Solvency II review

Unipol urges EU to exclude existing contracts from clearing mandate

21 Mar 2023
Topic — Targeted review of EU central counterparty regulations and market participant requirements.
Message — Unipol supports applying clearing obligations only to new derivative contracts. They want clients providing access to be exempt from calculating margin simulations. They also oppose new reporting requirements that duplicate existing data submissions.123
Why — This would prevent disruptive migration costs and avoid redundant administrative reporting tasks.45
Impact — Financial stability suffers if clearing activity concentrates within too few providers.6
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Meeting with Paolo Gentiloni (Commissioner)

29 Nov 2022 · Brief exchange of views on banking and financial issues.

Meeting with Marco Zanni (Member of the European Parliament, Shadow rapporteur)

7 Sept 2022 · Solvency II review

Meeting with Markus Ferber (Member of the European Parliament, Rapporteur)

6 Sept 2022 · Insurance Regulation: Solvency II

Meeting with Marco Zanni (Member of the European Parliament, Shadow rapporteur)

13 Jul 2022 · Solvency II review

Meeting with Marco Zanni (Member of the European Parliament, Shadow rapporteur)

6 Jul 2022 · Solvency II review

Meeting with Irene Tinagli (Member of the European Parliament, Committee chair)

6 Jul 2022 · Meeting on Insurance Issues

Meeting with Sandro Gozi (Member of the European Parliament)

15 Jun 2022 · AI act

Unipol Group calls for consolidated due diligence reporting rules.

23 May 2022
Topic — This consultation concerns new EU rules for corporate sustainability due diligence obligations.
Message — Unipol Group calls for due diligence obligations to apply at the consolidated group level only. This means that subsidiaries and their value chains should be expressly exempted. They also request clearer definitions for terms like clients and established business relationships.123
Why — Consolidated reporting would lower costs and prevent duplicating requirements for different group entities.4
Impact — Some policyholders may lose access to insurance if companies refuse to provide coverage.5
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Meeting with Marco Zanni (Member of the European Parliament, Shadow rapporteur) and Assicurazioni Generali S.p.A and Associazione Nazionale fra le Imprese Assicuratrici

17 May 2022 · Solvency II review

Meeting with Irene Tinagli (Member of the European Parliament, Committee chair)

12 Jan 2022 · Meeting on Insurance Issues

Response to Climate change mitigation and adaptation taxonomy

18 Dec 2020

Annex 2 – ANNEX to the Commission Delegated Regulation (EU) .../... supplementing Regulation (EU) 2020/852 of the European Parliament and of the Council by establishing the technical screening criteria for determining the conditions under which an economic activity qualifies as contributing substantially to climate change mitigation or climate change adaptation and for determining whether that economic activity causes no significant harm to any of the other environmental objectives Unipol Group welcomes the opportunity to provide its feedback on the draft Delegated Acts to the Taxonomy Regulation. In particular, Unipol Group would like to comment on the technical screening criteria as identified in relation to Financial and Insurance Activities and in particular to “Non-life insurance: underwriting of climate-related perils” (Section 10.1). With specific reference to the technical screening criteria 1 “Leadership in modelling and pricing of climate risks” letter c) (page 264), Unipol Group is of the opinion that the wording should be clarified to ensure the correct understanding of the risk-based pricing model in the insurance industry, and thus not to undermine its benefits. Pricing of an insurance product must indeed reflect the insured risk, and the wording in Annex II of draft Delegated Regulation should unequivocally clarify that a premium reduction should be applied only if it reflects an effective risk reduction due to the implementation of adaptation solutions by the policyholder, as better explained under the technical screening criteria 2. “Product design” letter a). Through the implementation of specific risk-based pricing techniques insurers can drill down into individual risks and assess them on their own merits, and thus take into account the benefits deriving from the application by the policyholder of de-risking practices such as climate adaptation solutions, in terms of risk-reduction, by “translating” them into risk-based rewards. This is the way through which insurers are able to create “shared value”, and thus contribute to the transition to a greener economy, by incentivizing behaviour change following the risk-based reward principle. On the contrary, a regulatory intervention on pricing could risk to bring distortion into insurance business.
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Response to Specifications for the provision of cooperative intelligent transport systems (C-ITS)

8 Feb 2019

The Unipol Group (hereinafter “Unipol”) welcomes the opportunity to comment on the recent delegated regulation proposed by the European Commission setting out technical specifications for the provision of cooperative intelligent transport systems (C-ITS). The Group would like to stress the importance to ensure a direct and timely access to the vehicle, its data and resources via an interoperable, standardized in-vehicle telematics platform as a way to not only support the requirements of C-ITS, but also a wider range of other vehicle-related services. Please find the document attached for more information on our feedback.
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Response to Amendments to the implementing rules on solvency applicable to insurers

7 Dec 2018

Unipol Group S.p.A. (hereinafter “Unipol”) welcomes the opportunity to provide comments on the EU Commission’s draft proposal to amend the Delegated Regulation (Delegated Regulation EU 2015/35) implementing rules for Solvency II, which represents a dossier of high importance for the insurance sector. Firstly, we would like to draw the attention on the application date and specifically on the impact of the proposed changes. Currently, the draft Delegated Regulation, once adopted, should enter into force on the twentieth day following that of its publication in the Official Journal of the EU. The Delegated Regulation should then become directly and entirely applicable in all Member States, exception made only for Points (67) and (75) of Article 1, which shall apply from 1 January 2020. Unipol calls to postpone the application date of the Regulation as from 1 January 2020 in order to give insurance undertakings sufficient time to prepare and to adapt internal systems and procedures to the new requirements, especially as regards the LAC DT proposals. Secondly, Unipol takes note that the European Commission has decided to follow most of the technical advice from EIOPA and therefore would like to take this opportunity to reiterate some of the comments made during the public consultation on the EIOPA’s second set of advice to the European Commission. In particular, we would like to focus on Natural Catastrophe risks and to propose to amend the draft Delegated Regulation in relation to Article 122. Please see our contribution, which would like to keep it confidential, for further details.
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Response to Institutional investors' and asset managers' duties regarding sustainability

21 Jun 2018

Please see the pdf attached for the Unipol Group's contribution.
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Response to Institutional investors' and asset managers' duties regarding sustainability

21 Jun 2018

Please see the pdf attached for the Unipol Group's contribution.
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