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Jack BrownhillChairman – Prevention and Road SafetyComité Européen des Assurances (CEA)

Brussels – 21/22 February 2006

ETSC Best in Europe 2006

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ETSC Best in Europe 2006

Role of Motor InsuranceMotor Insurance, Risk & Road SafetyImplications for the futureNew TechnologiesOld TechnologiesMotor Insurance – The DriverMotor Insurance – Other Road Users

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ETSC Best in Europe 2006

Role of Motor Insurance Unique position Compulsory requirement Collective fund Financial protection

Individual road users Road user community

Social and economic importance

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ETSC Best in Europe 2006

Motor Insurance, Risk & Road Safety Transfer Understanding risk

Individual road users Road user community

Risk/Premium relationship Regulatory climate

Accident prevention Severity reduction

5

ETSC Best in Europe 2006

Implications for the future New technologies Telematics

Vehicle data Driver data Insurance pricing

Who pays? Old technologies

6

ETSC Best in Europe 2006

Motor Insurance – The Driver Risk assessment New and inexperienced drivers Older drivers Changes in vehicle use Occupational drivers

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ETSC Best in Europe 2006

Motor Insurance – Other Road Users Clash of technologies

High tech vehicles Mixed vehicle community Low tech road users

– Pedestrians

– Pedal cyclists

Motor cyclists Passengers Illegal road users

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www.cea.assur.org