A demand emerges from the market for products in the Motor vehicle business that combine savings and simplicity. From these assumptions, Unipol creates Franchigia Fruttuosa (fruitful deductible), the first policy with a deposited deductible that accrues interest for the benefit of the Policyholder. This is the ideal car insurance for prudent car drivers who pay a € 500 deposit for the payment of any minor damage and obtain an immediate 10% discount on the MV TPL rate. Moreover, at the end of the year, he will collect a net 2% interest on his deposit. Only in case of accident will the deposit be retained in part or in full, based on the sum paid out. The customer does not have to open a bank account or other deposits in his name because the sum is managed on his behalf through a current account made payable to Unipol.