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Consumer protection Current issues in the Council of Bureaux

CONSEIL DES BUREAUX. COUNCIL OF BUREAUX. 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.

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Consumer protection Current issues in the Council of Bureaux

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  1. CONSEIL DES BUREAUX COUNCIL OF BUREAUX 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

  2. COUNCIL OF BUREAUX CONSEIL DES BUREAUX 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

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

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

  5. COUNCIL OF BUREAUX Green Card System CONSEIL DES BUREAUX • Members of the GC System 46 • Multilateral Agreement 34 • GC basis 12 ″We act for the protection of cross-border road traffic victims” 166 Avenue Louise B-1050 Brussels, Belgium www.cobx.org

  6. COUNCIL OF BUREAUX CONSEIL DES BUREAUX • Population of Europe 750 million • No of vehilcles 360 million • Number of accidents millions/year ″We act for the protection of cross-border road traffic victims” 166 Avenue Louise B-1050 Brussels, Belgium www.cobx.org

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

  8. COUNCIL OF BUREAUX CONSEIL DES BUREAUX • ca 400.000 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 www.cobx.org

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

  10. COUNCIL OF BUREAUX CONSEIL DES BUREAUX • ca 7 500 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 www.cobx.org

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

  12. COUNCIL OF BUREAUX Council of Bureaux CONSEIL DES 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 www.cobx.org

  13. COUNCIL OF BUREAUX Council of Bureaux CONSEIL DES 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 www.cobx.org

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

  15. COUNCIL OF BUREAUX Keyterms CONSEIL DES BUREAUX • 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

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

  17. COUNCIL OF BUREAUX Externalrisks CONSEIL DES BUREAUX • Economical world crisis • Not predictable policy on the nationallevel • Lowlevel of the supervision ″We act for the protection of cross-border road traffic victims” 166 Avenue Louise B-1050 Brussels, Belgium www.cobx.org

  18. COUNCIL OF BUREAUX Externalrisks CONSEIL DES BUREAUX • Price war • Foreignactivity 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

  19. COUNCIL OF BUREAUX Internalrisks CONSEIL DES BUREAUX • Reverserelationship Bureau – insurer – claimsadjuster • Lack of the mutual trust • Lowfinancialdisciplin • Delay of payments ″We act for the protection of cross-border road traffic victims” 166 Avenue Louise B-1050 Brussels, Belgium www.cobx.org

  20. COUNCIL OF BUREAUX Mutual trust CONSEIL DES BUREAUX • 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 www.cobx.org

  21. COUNCIL OF BUREAUX Real problems CONSEIL DES BUREAUX • Financial stability • Diferentlevel of victim protection • Practicalexpirience ″We act for the protection of cross-border road traffic victims” 166 Avenue Louise B-1050 Brussels, Belgium www.cobx.org

  22. COUNCIL OF BUREAUX Internalrisks CONSEIL DES BUREAUX 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

  23. COUNCIL OF BUREAUX Accumulativerisks CONSEIL DES BUREAUX • Uninsureddriving • Fraud ″We act for the protection of cross-border road traffic victims” 166 Avenue Louise B-1050 Brussels, Belgium www.cobx.org

  24. COUNCIL OF BUREAUX Uninsureddriving CONSEIL DES BUREAUX • 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

  25. COUNCIL OF BUREAUX Uninsureddriving CONSEIL DES BUREAUX • 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

  26. COUNCIL OF BUREAUX Fraud CONSEIL DES BUREAUX • Value of the costs • Estimation: 10-15 % of claimspaid • Whois the finalpayer? ″We act for the protection of cross-border road traffic victims” 166 Avenue Louise B-1050 Brussels, Belgium www.cobx.org

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

  28. COUNCIL OF BUREAUX CONSEIL DES BUREAUX 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

  29. COUNCIL OF BUREAUX Aims for the future CONSEIL DES BUREAUX Equalrights for the roadusers Real guaranties for victims Uninsureddriving 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

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

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