In Italy, in order to influence on driving behaviour of young people, the Associazione Nazionale Imprese Assicuratrici (ANIA) (national association of insurance companies) together with the traffic police and consumer associations have formulated the Patto per i giovani (Youth agreement) initiative, to which Group companies have signed up, providing discounted tariffs for young people in specified age brackets who underwrite to comply with the good conduct rules set out in the policy.