1. MTPL Insurance in the Czech Republic Role of insurers in the road safety development - Czech experience CZECH INSURANCE MARKET MTPL Insurance in the Czech Republic Role of insurers in the road safety development - Czech experience Václav Křivohlávek Petr Svoboda ProMotor II-nd Warsaw International Motor Insurance Forum 8-9 May 2008

2. Role of insurers in the road safety development - Czech experience Role of insurers in the road safety development - Czech experience Insurance Industry in the Czech Republic The Czech Insurance Market  Legislation,  History of the Motor Car Insurance (before the Second World War and development after that up to contemporary time),  Insurance Companies,  Number of Car insured,  Statistical information on the Motor Car Insurance,  Activity aimed at prevention of losses and at the mitigation of their consequences (loss prevention).

3. Role of insurers in the road safety development - Czech experience Role of insurers in the road safety development - Czech experience Insurance Industry in the Czech Republic Legislation (valid) Act No 363/1999 Coll.The Insurance Act Act No 168/1999 Coll.The Motor Third Party Liability Insurance Act No 37/2004 Coll.Act on Insurance Contract Act No 38/2004 Coll.Act on Insurance Intermediaries and on Independent Loss Adjusters Act No 377/2005 Coll.Act on financial conglomerates Act No 57/2006 Coll.Act on the Amendment of Acts in Connection with integration of Financial Market Supervision

4. Role of insurers in the road safety development - Czech experience Role of insurers in the road safety development - Czech experience Insurance Industry in the Czech Republic History of the Motor Car Insurance  Situation before the IInd World War  Situation during the period of 1948-1989  Actual situation Legislation Insurance market Supervision

5. Role of insurers in the road safety development - Czech experience Role of insurers in the road safety development - Czech experience Insurance Industry in the Czech Republic Insurance Companies Creation of the Market after 1989 Former monopoly of Česká pojišťovna a.s. and further development Contemporary development 1998 – 2008 Number of Insurance Companies by Licenced Class 199820002002200420062008 Total number of insurers41 42404952 of which: Life insurerars533366 Non-life192022212629 Composite1718171617

6. Role of insurers in the road safety development - Czech experience Role of insurers in the road safety development - Czech experience Insurance Industry in the Czech Republic 20002001200220032004200520062007 Premiums written in bill. CZK 718191106112117122130 Gross domestic product in bill. CZK 21502315241525512751300032113514 Premiums written / GDP in % 3,33,53,774,164,073,93,83,7 Share of total premium written on GDP in %

7. Insurance companies having their seats in the territory of the Czech Republic providing temporary services in the E.U. Total Number 15 of which in Poland 10 named: named: AIG CZECH REPUBLIC pojišťovna, a. s. Allianz pojišťovna, a.s. Česká pojišťovna, a.s. ČSOB Pojišťovna, a. s. Euler Hermes Čescob, úvěrová pojišťovna, a. s. Evropská cestovní pojišťovna, a. s. Komerční úvěrová pojišťovna EGAP, a.s. Kooperativa pojišťovna, a. s. MAXIMA pojišťovna, a.s. UNIQUA pojišťovna, a.s. Role of insurers in the road safety development - Czech experience Role of insurers in the road safety development - Czech experience Insurance Industry in the Czech Republic

8. Insurance companies and branches from other Member States of the E.U. providing temporary services in the Czech Republic (4. 5. 2008) Total Number 489 Total Number 489 of which from Poland 12 of which 9 non-life of which from Poland 12 of which 9 non-life 3 life 3 life Activity of the neighbouring countries is not so high like for example activity of the Ireland (74) and United Kingdoms (126)neighbouring

9. Insurance companies from Poland providing their service in the Czech Republic under the freedom to provide services (4. 5. 2008) Total Number 12 ( 9 + 3 ) 1. AIG polska Towarzystwo Ubezpieczeń S.A. Marszalkowska 111, 00-102 Warszawa nl 2. BRE Ubezpieczenia Towarzystwo Ubezpieczeń S.A.GERLING POLSKA ul. Królewska 14, 00-065 Warszawanl 3. TOWARZYSTWO UBEZPIECZEŇ S.A. Hrubieszowska 2, 01-209 Warszawa nl 4. MetLife Towarzystwo Ubezpieczeń na Życie S.A.ul.Chalubińskiego 8, 00-613 Warszawa l 5. Powszechny Zaklad Ubezpieczeń S.A. Al. Jana Pawla II 24, 00-133 Warszawa nl 6. Sopockie Towarzystvo Ubezpieczeń Ergo Hestia S.A.ul. Hestii 1, 81-731 Sopot nl 7. Towarzystwo Ubezpieczeń Allianz Polska S.A.Allianz pojišťovna, a.s., Ke Štvanici 656/3, 186 00 Praha 8 nl 8. Towarzystwo Ubezpieczeń EULER ul. Domaniewska 50 B, 02-672 Warszawa nl 9. HERMES S.A.Towarzystwo Ubezpieczeń FILAR S.A.Warszawaul. Zubrów 3, 71-617 Szczecin nl 10. Towarzystwo Ubezpieczeń na Życie ROYAL Polska S.A. ul. Wspólna 47/49, 00-684 Warszawa l 11. UNIQA Towarzystwo Ubezpieczeń na Zycie S.A. ul. Gdańska 132, 90-520 Lódź l 12. UNIQA Towarzystwo Ubezpieczeń S.A. ul. Gdańska 132, 90-520 Lódź nl Role of insurers in the road safety development - Czech experience Role of insurers in the road safety development - Czech experience Insurance Industry in the Czech Republic

10. Motor Car insurance provided by the Czech Insurance Companies Company:MTPL insuranceCASCO insurance AIG pojišťovna, a.s.yesno Allianz pojišťovna, a.s.yesyes Česká podnikatelská pojišťovna, a.s.yesyes Česká pojišťovna, a.s.yesyes ČSOB pojišťovna, a.s.yesyes DIRECT pojišťovna, a.s.yesno Dolnorakouská pojišťovnayesno Generali pojišťovna, a.s.yesyes Hasičská vzájemná pojišťovna, a.s.yesyes Kooperativa pojišťovna, a.s., Vienna Insurance Groupyesyes Triglav Pojišťovna, a.s.yesno Uniqa pojišťovna, a.s.yesyes Wüstenrot pojišťovnayesyes Number of car insured – according to MTPL insurance 2001 5 256 909 2007 5 997 461

11. Role of insurers in the road safety development - Czech experience Role of insurers in the road safety development - Czech experience Insurance Industry in the Czech Republic Statistical information on the Motor Car Insurance

12. Role of insurers in the road safety development - Czech experience Role of insurers in the road safety development - Czech experience Insurance Industry in the Czech Republic Act No 363/1999 Coll. Act on Insurance  insurance activity means the conclusion of insurance contracts according to a special legal provision2) by an insurance  undertaking, the administration of insurance and the settlement of claims under insurance contracts,  rendering assistance services and processing personal data in connection with these activities.  Insurance activity shall include the management of assets the source of which are the technical provisions of the insurance undertaking,  the conclusion of contracts by the insurance undertaking with reinsurance undertakings to reinsure the liabilities of an insurance undertaking ensuing from insurance contracts concluded by the insurance undertaking (ceded reinsurance), and  the activity aimed at prevention of losses and at the mitigation of their consequences (loss prevention)

13. Role of insurers in the road safety development - Czech experience Role of insurers in the road safety development - Czech experience Insurance Industry in the Czech Republic Activity of the Czech Insurance Companies towards to clients  Insurance product offered by Czech Insurance Companies,  Additional Insurance offered to the basic Motor Car Insurance,  Bonus and Malus system. New legislation

14. Thank you very much for your attention Questions ? Role of insurers in the road safety development - Czech experience Role of insurers in the road safety development - Czech experience Insurance Industry in the Czech Republic