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Václav Křivohlávek Petr Svoboda ProMotor II-nd Warsaw International Motor Insurance Forum

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.

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Václav Křivohlávek Petr Svoboda ProMotor II-nd Warsaw International Motor Insurance Forum

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  1. CZECH INSURANCE MARKET MTPL Insurance in the Czech RepublicRole of insurers in the road safety development - Czechexperience Václav Křivohlávek Petr Svoboda ProMotorII-nd Warsaw International Motor Insurance Forum 8-9 May 2008

  2. Role of insurers in the road safety development - CzechexperienceInsurance 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 - CzechexperienceInsurance Industry in the Czech Republic Legislation (valid) Act No 363/1999 Coll. The Insurance Act Act No 168/1999 Coll. TheMotor Third Party Liability Insurance Act No 37/2004 Coll. Act on Insurance Contract Act No 38/2004 Coll. Act on Insurance Intermediaries andon 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 - CzechexperienceInsurance 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 - CzechexperienceInsurance 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

  6. Role of insurers in the road safety development - CzechexperienceInsurance Industry in the Czech Republic

  7. Role of insurers in the road safety development - CzechexperienceInsurance Industry in the Czech Republic

  8. Role of insurers in the road safety development - CzechexperienceInsurance Industry in the Czech Republic

  9. Role of insurers in the road safety development - CzechexperienceInsurance Industry in the Czech Republic

  10. Role of insurers in the road safety development - CzechexperienceInsurance Industry in the Czech Republic Motor Car insurance provided by the Czech Insurance Companies Company: MTPL insurance CASCO insurance AIG pojišťovna, a.s. yes no Allianz pojišťovna, a.s. yes yes Česká podnikatelská pojišťovna, a.s. yes yes Česká pojišťovna, a.s. yes yes ČSOB pojišťovna, a.s. yes yes DIRECT pojišťovna, a.s. yes no Dolnorakouská pojišťovna yes no Generali pojišťovna, a.s. yes yes Hasičská vzájemná pojišťovna, a.s. yes yes Kooperativa pojišťovna, a.s., Vienna Insurance Group yes yes Triglav Pojišťovna, a.s. yes no Uniqa pojišťovna, a.s. yes yes Wüstenrot pojišťovna yes yes 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 - CzechexperienceInsurance Industry in the Czech Republic Statistical information on the Motor Car Insurance

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

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