Consumer protection Current issues in the Council of Bureaux Presented by Mariusz W. Wichtowski President Managing Organisation of the International Motor Insurance Card System Under the aegis of the United Nations COUNCIL OF BUREAUX
Nihil novi sub sole ″We act for the protection of cross-border road traffic victims” 166 Avenue Louise B-1050 Brussels, Belgium COUNCIL OF BUREAUX
Key terms ″We act for the protection of cross-border road traffic victims” 166 Avenue Louise B-1050 Brussels, Belgium COUNCIL OF BUREAUX One Europe Two systems Protection Real victim’s rights
Two systems ″We act for the protection of cross-border road traffic victims” 166 Avenue Louise B-1050 Brussels, Belgium COUNCIL OF BUREAUX Green Card Protection of Visitors
″We act for the protection of cross-border road traffic victims” 166 Avenue Louise B-1050 Brussels, Belgium COUNCIL OF BUREAUX Green Card System Members of the GC System46 Multilateral Agreement34 GC basis12
″We act for the protection of cross-border road traffic victims” 166 Avenue Louise B-1050 Brussels, Belgium COUNCIL OF BUREAUX Population of Europe750 million N o of vehilcles360 million Number of accidentsmillions/year
″We act for the protection of cross-border road traffic victims” 166 Avenue Louise B-1050 Brussels, Belgium COUNCIL OF BUREAUX Green Card transborder claims
″We act for the protection of cross-border road traffic victims” 166 Avenue Louise B-1050 Brussels, Belgium COUNCIL OF BUREAUX ca claims/year over 1,8 billion €/year
″We act for the protection of cross-border road traffic victims” 166 Avenue Louise B-1050 Brussels, Belgium COUNCIL OF BUREAUX Other transborder claims
″We act for the protection of cross-border road traffic victims” 166 Avenue Louise B-1050 Brussels, Belgium COUNCIL OF BUREAUX ca claims/year compensation bodies – active only terra incognita direct settlement
″We act for the protection of cross-border road traffic victims” 166 Avenue Louise B-1050 Brussels, Belgium COUNCIL OF BUREAUX Council of Bureaux Unique facilitator of the road traffic in Europe
″We act for the protection of cross-border road traffic victims” 166 Avenue Louise B-1050 Brussels, Belgium COUNCIL OF BUREAUX Council of Bureaux Unique and coherent System Two pilars
″We act for the protection of cross-border road traffic victims” 166 Avenue Louise B-1050 Brussels, Belgium COUNCIL OF BUREAUX Council of Bureaux One roof for: National Bureaux Guarantee funds Compensation bodies Information Centers
″We act for the protection of cross-border road traffic victims” 166 Avenue Louise B-1050 Brussels, Belgium COUNCIL OF BUREAUX Partners in claims handling Bureaux Agents Correspondents Claims representatives Compensation bodies Guarantee funds
Protection Trust Financial stability Uninsured driving Fraud ? ″We act for the protection of cross-border road traffic victims” 166 Avenue Louise B-1050 Brussels, Belgium COUNCIL OF BUREAUX Key terms
″We act for the protection of cross-border road traffic victims” 166 Avenue Louise B-1050 Brussels, Belgium COUNCIL OF BUREAUX Indentify risks External Internal
Economical world crisis Not predictable policy on the national level Low level of the supervision ″We act for the protection of cross-border road traffic victims” 166 Avenue Louise B-1050 Brussels, Belgium COUNCIL OF BUREAUX External risks
Price war Foreign activity of insurers Insolvency of insurers ″We act for the protection of cross-border road traffic victims” 166 Avenue Louise B-1050 Brussels, Belgium COUNCIL OF BUREAUX External risks
Reverse relationship Bureau – insurer – claims adjuster Lack of the mutual trust Low financial disciplin Delay of payments ″We act for the protection of cross-border road traffic victims” 166 Avenue Louise B-1050 Brussels, Belgium COUNCIL OF BUREAUX Internal risks
″We act for the protection of cross-border road traffic victims” 166 Avenue Louise B-1050 Brussels, Belgium COUNCIL OF BUREAUX Mutual trust Basis of the System Close cooperation Pay – Cry – Dispute Consequence
″We act for the protection of cross-border road traffic victims” 166 Avenue Louise B-1050 Brussels, Belgium COUNCIL OF BUREAUX Real problems Financial stability Diferent level of victim protection Practical expirience
Consequences: Sanctions ► obligatory monitoring ►financial guaranties ►financial penalties ►temporary suspension ►termination of membership Distrust to such market and Bureau ″We act for the protection of cross-border road traffic victims” 166 Avenue Louise B-1050 Brussels, Belgium COUNCIL OF BUREAUX Internal risks
Uninsured driving Fraud ″We act for the protection of cross-border road traffic victims” 166 Avenue Louise B-1050 Brussels, Belgium COUNCIL OF BUREAUX Accumulative risks
High level over 1 billion € claims/year Serious problems on particular markets ″We act for the protection of cross-border road traffic victims” 166 Avenue Louise B-1050 Brussels, Belgium COUNCIL OF BUREAUX Uninsured driving
Low level of cooperation Impact on financial stability Negative psichological impact Who is the final payer? ″We act for the protection of cross-border road traffic victims” 166 Avenue Louise B-1050 Brussels, Belgium COUNCIL OF BUREAUX Uninsured driving
Value of the costs Estimation: % of claims paid Who is the final payer? ″We act for the protection of cross-border road traffic victims” 166 Avenue Louise B-1050 Brussels, Belgium COUNCIL OF BUREAUX Fraud
″We act for the protection of cross-border road traffic victims” 166 Avenue Louise B-1050 Brussels, Belgium COUNCIL OF BUREAUX Where is the consumer?
Who is the consumer? ″We act for the protection of cross-border road traffic victims” 166 Avenue Louise B-1050 Brussels, Belgium COUNCIL OF BUREAUX
Equal rights for the road users Real guaranties for victims Uninsured driving Road safety Education Fraud ″We act for the protection of cross-border road traffic victims” 166 Avenue Louise B-1050 Brussels, Belgium COUNCIL OF BUREAUX Aims for the future
″We act for the protection of cross-border road traffic victims” 166 Avenue Louise B-1050 Brussels, Belgium Thank you for your kind attention COUNCIL OF BUREAUX