Consumer protection Current issues in the Council of Bureaux Presented by Mariusz W. Wichtowski...
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![Page 1: Consumer protection Current issues in the Council of Bureaux Presented by Mariusz W. Wichtowski President Managing Organisation of the International Motor.](https://reader035.fdocuments.us/reader035/viewer/2022070412/5697bf771a28abf838c81399/html5/thumbnails/1.jpg)
Consumer protectionCurrent issuesin the Council of BureauxPresented by
Mariusz W. Wichtowski
President
Managing Organisation of the International Motor Insurance Card SystemUnder the aegis of the United Nations
COUNCIL OF BUREAUX
![Page 2: Consumer protection Current issues in the Council of Bureaux Presented by Mariusz W. Wichtowski President Managing Organisation of the International Motor.](https://reader035.fdocuments.us/reader035/viewer/2022070412/5697bf771a28abf838c81399/html5/thumbnails/2.jpg)
Nihil novi sub sole
″We act for the protection of cross-border road traffic
victims”
166 Avenue LouiseB-1050 Brussels, Belgiumwww.cobx.org
COUNCIL OF BUREAUX
![Page 3: Consumer protection Current issues in the Council of Bureaux Presented by Mariusz W. Wichtowski President Managing Organisation of the International Motor.](https://reader035.fdocuments.us/reader035/viewer/2022070412/5697bf771a28abf838c81399/html5/thumbnails/3.jpg)
Key termsKey terms
″We act for the protection of cross-border road traffic
victims”
166 Avenue LouiseB-1050 Brussels, Belgiumwww.cobx.org
COUNCIL OF BUREAUX
• One Europe • Two systems • Protection• Real victim’s rights
![Page 4: Consumer protection Current issues in the Council of Bureaux Presented by Mariusz W. Wichtowski President Managing Organisation of the International Motor.](https://reader035.fdocuments.us/reader035/viewer/2022070412/5697bf771a28abf838c81399/html5/thumbnails/4.jpg)
Two systemsTwo systems
″We act for the protection of cross-border road traffic
victims”
166 Avenue LouiseB-1050 Brussels, Belgiumwww.cobx.org
COUNCIL OF BUREAUX
• Green Card
• Protection of Visitors
![Page 5: Consumer protection Current issues in the Council of Bureaux Presented by Mariusz W. Wichtowski President Managing Organisation of the International Motor.](https://reader035.fdocuments.us/reader035/viewer/2022070412/5697bf771a28abf838c81399/html5/thumbnails/5.jpg)
″We act for the protection of cross-border road traffic
victims”
166 Avenue LouiseB-1050 Brussels, Belgiumwww.cobx.org
COUNCIL OF BUREAUXGreen Card Green Card SystemSystem
• Members of the GC System46
• Multilateral Agreement 34
• GC basis12
![Page 6: Consumer protection Current issues in the Council of Bureaux Presented by Mariusz W. Wichtowski President Managing Organisation of the International Motor.](https://reader035.fdocuments.us/reader035/viewer/2022070412/5697bf771a28abf838c81399/html5/thumbnails/6.jpg)
″We act for the protection of cross-border road traffic
victims”
166 Avenue LouiseB-1050 Brussels, Belgiumwww.cobx.org
COUNCIL OF BUREAUX
• Population of Europe 750 million
• No of vehilcles 360 million
• Number of accidentsmillions/year
![Page 7: Consumer protection Current issues in the Council of Bureaux Presented by Mariusz W. Wichtowski President Managing Organisation of the International Motor.](https://reader035.fdocuments.us/reader035/viewer/2022070412/5697bf771a28abf838c81399/html5/thumbnails/7.jpg)
″We act for the protection of cross-border road traffic
victims”
166 Avenue LouiseB-1050 Brussels, Belgiumwww.cobx.org
COUNCIL OF BUREAUX
Green Card transborder
claims
![Page 8: Consumer protection Current issues in the Council of Bureaux Presented by Mariusz W. Wichtowski President Managing Organisation of the International Motor.](https://reader035.fdocuments.us/reader035/viewer/2022070412/5697bf771a28abf838c81399/html5/thumbnails/8.jpg)
″We act for the protection of cross-border road traffic
victims”
166 Avenue LouiseB-1050 Brussels, Belgiumwww.cobx.org
COUNCIL OF BUREAUX
• ca 400.000 claims/year
• over 1,8 billion €/year
![Page 9: Consumer protection Current issues in the Council of Bureaux Presented by Mariusz W. Wichtowski President Managing Organisation of the International Motor.](https://reader035.fdocuments.us/reader035/viewer/2022070412/5697bf771a28abf838c81399/html5/thumbnails/9.jpg)
″We act for the protection of cross-border road traffic
victims”
166 Avenue LouiseB-1050 Brussels, Belgiumwww.cobx.org
COUNCIL OF BUREAUX
Other transborder claims
![Page 10: Consumer protection Current issues in the Council of Bureaux Presented by Mariusz W. Wichtowski President Managing Organisation of the International Motor.](https://reader035.fdocuments.us/reader035/viewer/2022070412/5697bf771a28abf838c81399/html5/thumbnails/10.jpg)
″We act for the protection of cross-border road traffic
victims”
166 Avenue LouiseB-1050 Brussels, Belgiumwww.cobx.org
COUNCIL OF BUREAUX
• ca 7 500 claims/year compensation bodies – active only
• terra incognitadirect settlement
![Page 11: Consumer protection Current issues in the Council of Bureaux Presented by Mariusz W. Wichtowski President Managing Organisation of the International Motor.](https://reader035.fdocuments.us/reader035/viewer/2022070412/5697bf771a28abf838c81399/html5/thumbnails/11.jpg)
″We act for the protection of cross-border road traffic
victims”
166 Avenue LouiseB-1050 Brussels, Belgiumwww.cobx.org
COUNCIL OF BUREAUXCouncil of Council of BureauxBureaux
Unique facilitator
of the road traffic in Europe
![Page 12: Consumer protection Current issues in the Council of Bureaux Presented by Mariusz W. Wichtowski President Managing Organisation of the International Motor.](https://reader035.fdocuments.us/reader035/viewer/2022070412/5697bf771a28abf838c81399/html5/thumbnails/12.jpg)
″We act for the protection of cross-border road traffic
victims”
166 Avenue LouiseB-1050 Brussels, Belgiumwww.cobx.org
COUNCIL OF BUREAUXCouncil of Council of BureauxBureaux
Unique and coherent System
Two pilars
![Page 13: Consumer protection Current issues in the Council of Bureaux Presented by Mariusz W. Wichtowski President Managing Organisation of the International Motor.](https://reader035.fdocuments.us/reader035/viewer/2022070412/5697bf771a28abf838c81399/html5/thumbnails/13.jpg)
″We act for the protection of cross-border road traffic
victims”
166 Avenue LouiseB-1050 Brussels, Belgiumwww.cobx.org
COUNCIL OF BUREAUXCouncil of Council of BureauxBureaux
One roof for:National Bureaux
Guarantee fundsCompensation bodies
Information Centers
![Page 14: Consumer protection Current issues in the Council of Bureaux Presented by Mariusz W. Wichtowski President Managing Organisation of the International Motor.](https://reader035.fdocuments.us/reader035/viewer/2022070412/5697bf771a28abf838c81399/html5/thumbnails/14.jpg)
″We act for the protection of cross-border road traffic
victims”
166 Avenue LouiseB-1050 Brussels, Belgiumwww.cobx.org
COUNCIL OF BUREAUXPartners in Partners in claims handlingclaims handling
BureauxAgentsCorrespondentsClaims representativesCompensation bodiesGuarantee funds
![Page 15: Consumer protection Current issues in the Council of Bureaux Presented by Mariusz W. Wichtowski President Managing Organisation of the International Motor.](https://reader035.fdocuments.us/reader035/viewer/2022070412/5697bf771a28abf838c81399/html5/thumbnails/15.jpg)
• Protection• Trust• Financial stability• Uninsured driving• Fraud
? ″We act for the protection of cross-border road traffic
victims”
166 Avenue LouiseB-1050 Brussels, Belgiumwww.cobx.org
COUNCIL OF BUREAUX
Key termsKey terms
![Page 16: Consumer protection Current issues in the Council of Bureaux Presented by Mariusz W. Wichtowski President Managing Organisation of the International Motor.](https://reader035.fdocuments.us/reader035/viewer/2022070412/5697bf771a28abf838c81399/html5/thumbnails/16.jpg)
″We act for the protection of cross-border road traffic
victims”
166 Avenue LouiseB-1050 Brussels, Belgiumwww.cobx.org
COUNCIL OF BUREAUX
Indentify risksIndentify risks
![Page 17: Consumer protection Current issues in the Council of Bureaux Presented by Mariusz W. Wichtowski President Managing Organisation of the International Motor.](https://reader035.fdocuments.us/reader035/viewer/2022070412/5697bf771a28abf838c81399/html5/thumbnails/17.jpg)
•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 LouiseB-1050 Brussels, Belgiumwww.cobx.org
COUNCIL OF BUREAUX
External risksExternal risks
![Page 18: Consumer protection Current issues in the Council of Bureaux Presented by Mariusz W. Wichtowski President Managing Organisation of the International Motor.](https://reader035.fdocuments.us/reader035/viewer/2022070412/5697bf771a28abf838c81399/html5/thumbnails/18.jpg)
• Price war • Foreign activity of insurers• Insolvency of insurers
″We act for the protection of cross-border road traffic
victims”
166 Avenue LouiseB-1050 Brussels, Belgiumwww.cobx.org
COUNCIL OF BUREAUX
External risksExternal risks
![Page 19: Consumer protection Current issues in the Council of Bureaux Presented by Mariusz W. Wichtowski President Managing Organisation of the International Motor.](https://reader035.fdocuments.us/reader035/viewer/2022070412/5697bf771a28abf838c81399/html5/thumbnails/19.jpg)
•Reverse relationshipBureau – 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 LouiseB-1050 Brussels, Belgiumwww.cobx.org
COUNCIL OF BUREAUX
Internal risksInternal risks
![Page 20: Consumer protection Current issues in the Council of Bureaux Presented by Mariusz W. Wichtowski President Managing Organisation of the International Motor.](https://reader035.fdocuments.us/reader035/viewer/2022070412/5697bf771a28abf838c81399/html5/thumbnails/20.jpg)
″We act for the protection of cross-border road traffic
victims”
166 Avenue LouiseB-1050 Brussels, Belgiumwww.cobx.org
COUNCIL OF BUREAUX
Mutual trustMutual trust
![Page 21: Consumer protection Current issues in the Council of Bureaux Presented by Mariusz W. Wichtowski President Managing Organisation of the International Motor.](https://reader035.fdocuments.us/reader035/viewer/2022070412/5697bf771a28abf838c81399/html5/thumbnails/21.jpg)
″We act for the protection of cross-border road traffic
victims”
166 Avenue LouiseB-1050 Brussels, Belgiumwww.cobx.org
COUNCIL OF BUREAUX
Real problemsReal problems
![Page 22: Consumer protection Current issues in the Council of Bureaux Presented by Mariusz W. Wichtowski President Managing Organisation of the International Motor.](https://reader035.fdocuments.us/reader035/viewer/2022070412/5697bf771a28abf838c81399/html5/thumbnails/22.jpg)
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 LouiseB-1050 Brussels, Belgiumwww.cobx.org
COUNCIL OF BUREAUX
Internal risksInternal risks
![Page 23: Consumer protection Current issues in the Council of Bureaux Presented by Mariusz W. Wichtowski President Managing Organisation of the International Motor.](https://reader035.fdocuments.us/reader035/viewer/2022070412/5697bf771a28abf838c81399/html5/thumbnails/23.jpg)
•Uninsured driving•Fraud
″We act for the protection of cross-border road traffic
victims”
166 Avenue LouiseB-1050 Brussels, Belgiumwww.cobx.org
COUNCIL OF BUREAUXAccumulative Accumulative risksrisks
![Page 24: Consumer protection Current issues in the Council of Bureaux Presented by Mariusz W. Wichtowski President Managing Organisation of the International Motor.](https://reader035.fdocuments.us/reader035/viewer/2022070412/5697bf771a28abf838c81399/html5/thumbnails/24.jpg)
• 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 LouiseB-1050 Brussels, Belgiumwww.cobx.org
COUNCIL OF BUREAUXUninsured Uninsured drivingdriving
![Page 25: Consumer protection Current issues in the Council of Bureaux Presented by Mariusz W. Wichtowski President Managing Organisation of the International Motor.](https://reader035.fdocuments.us/reader035/viewer/2022070412/5697bf771a28abf838c81399/html5/thumbnails/25.jpg)
• 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 LouiseB-1050 Brussels, Belgiumwww.cobx.org
COUNCIL OF BUREAUXUninsured Uninsured drivingdriving
![Page 26: Consumer protection Current issues in the Council of Bureaux Presented by Mariusz W. Wichtowski President Managing Organisation of the International Motor.](https://reader035.fdocuments.us/reader035/viewer/2022070412/5697bf771a28abf838c81399/html5/thumbnails/26.jpg)
•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 LouiseB-1050 Brussels, Belgiumwww.cobx.org
COUNCIL OF BUREAUX
FraudFraud
![Page 27: Consumer protection Current issues in the Council of Bureaux Presented by Mariusz W. Wichtowski President Managing Organisation of the International Motor.](https://reader035.fdocuments.us/reader035/viewer/2022070412/5697bf771a28abf838c81399/html5/thumbnails/27.jpg)
″We act for the protection of cross-border road traffic
victims”
166 Avenue LouiseB-1050 Brussels, Belgiumwww.cobx.org
COUNCIL OF BUREAUX
Where is the consumer?
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Who is the consumer?
″We act for the protection of cross-border road traffic
victims”
166 Avenue LouiseB-1050 Brussels, Belgiumwww.cobx.org
COUNCIL OF BUREAUX
![Page 29: Consumer protection Current issues in the Council of Bureaux Presented by Mariusz W. Wichtowski President Managing Organisation of the International Motor.](https://reader035.fdocuments.us/reader035/viewer/2022070412/5697bf771a28abf838c81399/html5/thumbnails/29.jpg)
Equal rights for the road usersReal guaranties for victimsUninsured drivingRoad safetyEducationFraud
″We act for the protection of cross-border road traffic
victims”
166 Avenue LouiseB-1050 Brussels, Belgiumwww.cobx.org
COUNCIL OF BUREAUXAims for the Aims for the futurefuture
![Page 30: Consumer protection Current issues in the Council of Bureaux Presented by Mariusz W. Wichtowski President Managing Organisation of the International Motor.](https://reader035.fdocuments.us/reader035/viewer/2022070412/5697bf771a28abf838c81399/html5/thumbnails/30.jpg)
″We act for the protection of cross-border road traffic
victims”
166 Avenue LouiseB-1050 Brussels, Belgiumwww.cobx.org
Thank youThank you
for your kind attention for your kind attention
COUNCIL OF BUREAUX