1. 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

2. Nihil novi sub sole ″We act for the protection of cross-border road traffic victims” 166 Avenue Louise B-1050 Brussels, Belgium www.cobx.org COUNCIL OF BUREAUX

3. Key terms ″We act for the protection of cross-border road traffic victims” 166 Avenue Louise B-1050 Brussels, Belgium www.cobx.org COUNCIL OF BUREAUX One Europe Two systems Protection Real victim’s rights

4. Two systems ″We act for the protection of cross-border road traffic victims” 166 Avenue Louise B-1050 Brussels, Belgium www.cobx.org COUNCIL OF BUREAUX Green Card Protection of Visitors

5. ″We act for the protection of cross-border road traffic victims” 166 Avenue Louise B-1050 Brussels, Belgium www.cobx.org COUNCIL OF BUREAUX Green Card System Members of the GC System46 Multilateral Agreement34 GC basis12

6. ″We act for the protection of cross-border road traffic victims” 166 Avenue Louise B-1050 Brussels, Belgium www.cobx.org COUNCIL OF BUREAUX Population of Europe750 million N o of vehilcles360 million Number of accidentsmillions/year

7. ″We act for the protection of cross-border road traffic victims” 166 Avenue Louise B-1050 Brussels, Belgium www.cobx.org COUNCIL OF BUREAUX Green Card transborder claims

8. ″We act for the protection of cross-border road traffic victims” 166 Avenue Louise B-1050 Brussels, Belgium www.cobx.org COUNCIL OF BUREAUX ca 400.000 claims/year over 1,8 billion €/year

9. ″We act for the protection of cross-border road traffic victims” 166 Avenue Louise B-1050 Brussels, Belgium www.cobx.org COUNCIL OF BUREAUX Other transborder claims

10. ″We act for the protection of cross-border road traffic victims” 166 Avenue Louise B-1050 Brussels, Belgium www.cobx.org COUNCIL OF BUREAUX ca 7 500 claims/year compensation bodies – active only terra incognita direct settlement

11. ″We act for the protection of cross-border road traffic victims” 166 Avenue Louise B-1050 Brussels, Belgium www.cobx.org COUNCIL OF BUREAUX Council of Bureaux Unique facilitator of the road traffic in Europe

12. ″We act for the protection of cross-border road traffic victims” 166 Avenue Louise B-1050 Brussels, Belgium www.cobx.org COUNCIL OF BUREAUX Council of Bureaux Unique and coherent System Two pilars

13. ″We act for the protection of cross-border road traffic victims” 166 Avenue Louise B-1050 Brussels, Belgium www.cobx.org COUNCIL OF BUREAUX Council of Bureaux One roof for: National Bureaux Guarantee funds Compensation bodies Information Centers

14. ″We act for the protection of cross-border road traffic victims” 166 Avenue Louise B-1050 Brussels, Belgium www.cobx.org COUNCIL OF BUREAUX Partners in claims handling Bureaux Agents Correspondents Claims representatives Compensation bodies Guarantee funds

15. 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 www.cobx.org COUNCIL OF BUREAUX Key terms

16. ″We act for the protection of cross-border road traffic victims” 166 Avenue Louise B-1050 Brussels, Belgium www.cobx.org COUNCIL OF BUREAUX Indentify risks External Internal

17. 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 www.cobx.org COUNCIL OF BUREAUX External risks

18. 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 www.cobx.org COUNCIL OF BUREAUX External risks

19. 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 www.cobx.org COUNCIL OF BUREAUX Internal risks

20. ″We act for the protection of cross-border road traffic victims” 166 Avenue Louise B-1050 Brussels, Belgium www.cobx.org COUNCIL OF BUREAUX Mutual trust Basis of the System Close cooperation Pay – Cry – Dispute Consequence

21. ″We act for the protection of cross-border road traffic victims” 166 Avenue Louise B-1050 Brussels, Belgium www.cobx.org COUNCIL OF BUREAUX Real problems Financial stability Diferent level of victim protection Practical expirience

22. 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 www.cobx.org COUNCIL OF BUREAUX Internal risks

23. Uninsured driving Fraud ″We act for the protection of cross-border road traffic victims” 166 Avenue Louise B-1050 Brussels, Belgium www.cobx.org COUNCIL OF BUREAUX Accumulative risks

24. 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 www.cobx.org COUNCIL OF BUREAUX Uninsured driving

25. 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 www.cobx.org COUNCIL OF BUREAUX Uninsured driving

26. Value of the costs Estimation: 10-15 % 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 www.cobx.org COUNCIL OF BUREAUX Fraud

27. ″We act for the protection of cross-border road traffic victims” 166 Avenue Louise B-1050 Brussels, Belgium www.cobx.org COUNCIL OF BUREAUX Where is the consumer?

28. Who is the consumer? ″We act for the protection of cross-border road traffic victims” 166 Avenue Louise B-1050 Brussels, Belgium www.cobx.org COUNCIL OF BUREAUX

29. 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 www.cobx.org COUNCIL OF BUREAUX Aims for the future

30. ″We act for the protection of cross-border road traffic victims” 166 Avenue Louise B-1050 Brussels, Belgium www.cobx.org Thank you for your kind attention COUNCIL OF BUREAUX