Orientamenti dell’ABF in tema di polizze abbinate a contratti di finanziamento: costo della polizza facoltativa e calcolo del TAEG.

Having examined the (alleged) compulsory nature of ancillary optional insurance policies linked to financing agreements, as well as the (potential) implications arising from the inclusion of their costs within the definition of the "total cost of credit" for the purpose of calculating the Annual Percentage Rate of Charge (APR), the Banking and Financial Ombudsman - sitting with the Naples Panel - is now required to adjudicate on the legal consequences stemming from the erroneous classification of the costs associated with an insurance policy, which is unequivocally optional and ancillary to a consumer credit agreement, under such provisions