1 Jack Brownhill Chairman – Prevention and Road Safety Comité Européen des Assurances (CEA) Brussels – 21/22 February 2006 ETSC Best in Europe 2006

2  Role of Motor Insurance  Motor Insurance, Risk & Road Safety  Implications for the future  New Technologies  Old Technologies  Motor Insurance – The Driver  Motor Insurance – Other Road Users

3 ETSC Best in Europe 2006  Role of Motor Insurance  Unique position  Compulsory requirement  Collective fund  Financial protection  Individual road users  Road user community  Social and economic importance

4 ETSC Best in Europe 2006  Motor Insurance, Risk & Road Safety  Transfer  Understanding risk  Individual road users  Road user community  Risk/Premium relationship  Regulatory climate  Accident prevention  Severity reduction

5 ETSC Best in Europe 2006  Implications for the future  New technologies  Telematics  Vehicle data  Driver data  Insurance pricing  Who pays?  Old technologies

6 ETSC Best in Europe 2006  Motor Insurance – The Driver  Risk assessment  New and inexperienced drivers  Older drivers  Changes in vehicle use  Occupational drivers

7 ETSC Best in Europe 2006 MMotor Insurance – Other Road Users CClash of technologies HHigh tech vehicles MMixed vehicle community LLow tech road users –P–Pedestrians –P–Pedal cyclists MMotor cyclists PPassengers IIllegal road users

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