1 ce document est la propriété du fonds de garantie et ne peut être diffusé ou utilisé sans...
TRANSCRIPT
1
Ce document est la propriété du Fonds de Garantie et ne peut être diffusé ou utilisé sans autorisation écrite préalable
FGAO FGAO Fonds de Garantie des Assurances Fonds de Garantie des Assurances
obligatoires de Dommagesobligatoires de Dommages
WARSAW INTERNATIONAL MOTOR INSURANCE FORUM 8 – 9 MAY 2008
Compulsory Damage Insurance Guarantee FundCompulsory Damage Insurance Guarantee Fund
2
The FGAO and its action against
the failure to take out insurance
33
Some figures
French Guarantee Fund – WARSAW INTERNATIONAL MOTOR INSURANCE FORUM 8/9 MAY 2008
On the FGAO’s activitiesOn the FGAO’s activities
On failure to take out insurance in FranceOn failure to take out insurance in France
The action taken
Our policy for prevention Our policy for prevention
Our action after the factOur action after the fact
44
Some figuresOn the FGAO’s activitiesOn the FGAO’s activities
Numbers of victims of uninsured drivers
2000 2001 2002 2003 2004 2005 2006 2007
Claims filed 21 145 22 949 24 295 22 918 21 437 18 573 17 570 17 198
Claims settled 12 324 13 923 14 801 14 131 13 235 11 839 10 736 9 790
55
Some figuresOn failure to take out insurance in FranceOn failure to take out insurance in France
The least well-off drivers are the most often those who drive without insurance.All vehicles involved in accidents leading to physical injury(with the exception of bicycles)
Unknown Insured Uninsured Total%
uninsured
Under 18 408 6 144 284 6 836 4,4 Student 272 6 581 115 6 968 1,7 Professional driver 293 5 952 38 6 283 0,6 Farmer 28 473 8 509 1,7 Self-employed 233 4 853 49 5 135 1,0 Senior executive/company manager 183 5 535 32 5 750 0,6 Middle management 1 088 32 541 349 33 978 1,1 Manual worker 544 15 376 574 16 494 3,6 Pensioner 188 9 709 56 9 953 0,6 Unemployed 288 4 203 443 4 934 9,5 Other (or not known) 2 236 29 554 732 32 522 2,4 Total 5 761 120 921 2 680 129 362 2,2
Source : ONISR, accident data file
Year : 2006
Occupation of driverInsurance
6
Unknown Insured Uninsured Total%
uninsured
Age unknown 34 607 15 656 2,4
0 - 14 years 46 554 57 657 9,3
15 - 24 years 1 821 30 089 1 194 33 104 3,8
25 - 44 years 2 610 52 793 1 118 56 521 2,1
45 - 64 years 1 047 28 778 269 30 094 0,9
65 and over 203 8 100 27 8 330 0,3
Total of drivers 5 761 120 921 2 680 129 362 2,2
Some figuresOn failure to take out insurance in FranceOn failure to take out insurance in France
Uninsured driving is a phenomenon that involves younger drivers more often.All vehicles involved in accidents leading to physical injury(with the exception of bicycles)
Source : ONISR, accident data file
Year : 2006
Age of driverInsurance
7
French Guarantee Fund – WARSAW INTERNATIONAL MOTOR INSURANCE FORUM 8/9 MAY 2008
Action against uninsured driving
Prevention : a campaign around FGAO’s Prevention : a campaign around FGAO’s assigned mission assigned mission
After the fact : FGAO recoveriesAfter the fact : FGAO recoveries
8
Action against uninsured drivingPrevention : a campaign around FGAO’s assigned missionPrevention : a campaign around FGAO’s assigned mission
The mission entrusted to the FGAO by the law of 01/08/03
Preventive measures to reduce the numbers of traffic accidents and to combat uninsured driving
Selected measure – a campaign targeted at an audience comprising the 15-24 age group
(this is because 44% of this age group drives without insurance)
9
Action against uninsured drivingPrevention : a campaign around FGAO’s assigned missionPrevention : a campaign around FGAO’s assigned mission
Preparation of a campaign to combat uninsured driving
1. Design of content and media suitable for encouraging young drivers to take out insurance
2. Seeking out partners to give concrete expression to these measures (provision of technical and logistical assistance)
Automobile Club
“Codes Rousseau” learner driver manuals
10
Action against uninsured drivingPrevention : a campaign around FGAO’s assigned missionPrevention : a campaign around FGAO’s assigned mission
Raise awareness of the risks of driving uninsured
Educate young drivers
Make sure the message is passed on by the media
Get yourself insured” campaign goals
11
Action against uninsured drivingPrevention : a campaign around FGAO’s assigned missionPrevention : a campaign around FGAO’s assigned mission
InformationPosters
Leaflets
DVD ROM
TrainingCourses built specifically around the theme :“Get yourself insured”
Campaign tools
12
Action against uninsured drivingPrevention : a campaign around FGAO’s assigned missionPrevention : a campaign around FGAO’s assigned mission
Partner programmes
1.1. Automobile ClubAutomobile Club
Information on the risks of driving uninsured
Posters in Automobile Club offices
Detailed explanation of the issues related to uninsured driving (85,000 copies of article circulated)
Organisation of presentational courses
Creation of a driving module and a presentational module on uninsured driving
13
Action against uninsured drivingPrevention : a campaign around FGAO’s assigned missionPrevention : a campaign around FGAO’s assigned mission
Partner programmes
2.2. ““Codes Rousseau” learner driver manualsCodes Rousseau” learner driver manuals
Posters for campaign in all driving schools
Circulation of leaflets and posters
Placing of an FGAO advertising insert in the “Code Rousseau” manual (445,000 copies)
Nomination of candidates to be given the opportunityof following courses set up for prevention
14
Action against uninsured drivingPrevention : a campaign around FGAO’s assigned missionPrevention : a campaign around FGAO’s assigned mission
Campaign results overview
Media spin-offMedia spin-off :
Published press
50 articles (national, regional and specialist press media)
Radio & television
Interview given by Alain Bourdelat, FGAO Chief Executive, on the TV programme “Droit de savoir” [Right to Know]
Broadcasting of a number of information flashes on RMC
15
French Guarantee Fund – WARSAW INTERNATIONAL MOTOR INSURANCE FORUM 8/9 MAY 2008
Action against uninsured driving
After the fact : FGAO recoveriesAfter the fact : FGAO recoveries
16
Action against uninsured drivingAfter the fact : FGAO recoveries After the fact : FGAO recoveries
Goals of action for recovery
To obtain reimbursement of compensation paid out to the victims from those responsible for the accident and to ensure that the latter take responsibility for the financial consequences of their actions
To combat insurance crime
1717
Progression in traffic-related settlements and recoveries (€ millions)
123
75 81 80 80 81 78 84 88 91 101 108 101 110
0
50
100
150
1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007
settlements
15,114,113,212,811,310,59,48,58,6
7,27,05,56,0
15,6
0
5
10
15
20
1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007
recoveries
Action against uninsured drivingAfter the fact : FGAO recoveries After the fact : FGAO recoveries
18
Action against uninsured drivingAfter the fact : FGAO recoveriesAfter the fact : FGAO recoveries
Managers
Human resources : 35 staff out-of-court in-court official channels
Vincennes Marseille
Automated outgoing call management system
Electronic Data Interchange
Barcode-based mail management
Automated telephone number search system
Automated allocation of moneys received
IT resources
On 2 sites
The resources for actionThe resources for action
19
Action against uninsured drivingAfter the fact : FGAO recoveriesAfter the fact : FGAO recoveries
Networks of legal agents
Specialist firms: searches for addresses, telephone numbers, reactivation of abandoned debt claims, etc.
External service providers
French General Tax Directorate
External partner
The resourcesThe resources
20
Action against uninsured drivingAfter the fact : FGAO recoveriesAfter the fact : FGAO recoveries
Figures for FGAO activityFigures for FGAO activity
TRAFFIC :TRAFFIC : 22,000
TRAFFIC TRAFFIC : 6,200
Financial Year 2007Financial Year 2007
active debtors
active repayment schedules
Average monthly repayment = € 90
21
Action against uninsured drivingAfter the fact : FGAO recoveriesAfter the fact : FGAO recoveries
Figures for FGAO activityFigures for FGAO activity
Recovery proceeds in € millions
1996 2004 2005 2006 2007Increase 1996
over 2007
TRAFFIC 7,1 13,2 14,1 15,0 15,5 + 118
Private individuals 5,6 10,9 11,7 12,8 13,3 + 138
Insurers and official bodies 1,5 2,3 2,4 2,2 2,2 + 47
22
Fonds de Garantie Siège social : 64 rue Defrance - 94682 VINCENNES CEDEX – Tél. : 01 43 98 77 00Site de Marseille : Les Bureaux du Méditerranée - 39, bd Vincent Delpuech 13255
MARSEILLE CEDEX 06 – Tél. : 04 91 83 27 27Sites internet : www.fga.fr - www.fgti.fr - Courriel : [email protected] - www.fgti.fr
Siège social : 64 rue Defrance - 94682 VINCENNES CEDEXTél. : 00 33 1 43 98 77 00
Site de Marseille : Les Bureaux du Méditerranée39 bd Vincent Delpuech 13281 MARSEILLE CEDEX 06 Tél. : 00 33 4 91 83 27 27
Sites internet : www.fga.fr - www.fgti.fr
Courriel : [email protected]