1997 · 2008-08-26 · active via the insurance brokers’ network. the acquisition by our group of...
TRANSCRIPT
LA VILLE EN MARCHE … , 2001
6 m h.
Patinated bronzeRUE DU PROGRÈS, BRUSSELS
on the front cover
LA MER CE GRAND SCULPTEUR … , 1997
77 x 70 x 91 cm
Patinated bronzeKNOKKE
photography © Thierry Renauld
on the back cover
TERRAC0TTA … , 2002
45 x 44 cmOLD GRANARY, DURBUY
National headquarters
Rue des Croisiers 24
4000 LIÈGE
Tel.: + 32 (0)4 220 31 11
Fax: + 32 (0)4 220 30 05
Headquarters for flanders
Prins-Bisschopssingel 73
3500 HASSELT
Tel.: + 32 (0)11 28 21 11
Fax: + 32 (0)11 28 20 20
Headquarters for the
belgian german community
Paveestrasse 5
4700 EUPEN
Tel.: + 32 (0)87 59 10 00
Fax: + 32 (0)87 59 10 09
Brussels Centre
Avenue de l’Astronomie 19
1210 BRUSSELS
Tel.: + 32 (0)2 227 98 11
Fax: + 32 (0)2 227 98 02
National headquarters
Avenue de l’Astronommieie 1199
12121010 B BBBRURURUSSSSSSSSELELELSSSS
TeTeTel.l.l : : +3+33322 22 (0(0(0(0)2)2)2)2 2 22210101010 9 9996 66 6 115115
FaF x: +3232 ( (0)0))22 212100 9696 551
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This brochure presents a summary of the results for the year 2007.
You can request the complete annual report by calling 04 220 39 05
or download it at www.ethias.be.
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CONTENTS
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* The societal report may be downloaded from www.ethias.be
Message from Guy BurtonChairman of the Management Committee
The revenue of Ethias Insurance was more than € 3.8 billion in
2007, which is slightly up on 2006. The revenue in Non-Life rose
8.89% (+16% in Group Non-Life, +1% in Individual Non-Life). Life
dipped slightly by -2.25% (-8.7% in Group Life, +4.3% in Individual
Life).
The refunds and profi t participations awarded to our members
continue to rise. They went from € 131.8 million to € 152.2 mil-
lion. The receipts surpluses are € 167.2 million (€ 117.8 million
in 2006).
For many years we have been trying to explain the social and eco-
logical role of the company. Ethias has therefore committed itself
fully to the strategy of sustainable development.
In that regard a great deal has been accomplished. Ethias received
the Diversity Label from the Federal Ministers of Employment and
the Civil Service and signed the Walloon Diversity Charter. In that
context an awareness-raising day around Diversity was organ-
ized for the personnel. We launched an energy-savings plan for
our buildings and solar panels were installed on the roof of our
headquarters.
Sustainable management and sustainable development also fea-
ture in our products and services. For instance, we are the only
insurer to cover risks for a wind farm in the North Sea, and we
developed two types of consumer credit for the fi nancing of own
investment: the Eco-package Car and the Eco-Renovation Credit.
The essential self of a mutual insurance company? To be set up by
its members and to live for its members. We have translated this
philosophy in a slogan: “We think with you!” That means acting
for the welfare of our members and of our personnel. All these ac-
tions are summarized in our fi rst societal report*. With this report
Ethias now has a new instrument to position itself on three levels:
social, societal and ecological. We may also ask the question: “is
sustainable development possible without insurance and without
fi nancing?” Probably not. So our role is to offer the possibility of
assuming such risks.
In 2007 Ethias continued to apply itself to searching for products
and services that meet the expectations of its clients, groups as
well as private individuals: the new family insurance, the annual
travel cancellation insurance, the pilot project for the use of the
electronic identity card (e-ID).
THE MANAGEMENTCOMMITTEE
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WWee thhink with you!
5
FEMME-OISEAU… , 1993
194 x 66 x 81 cm
Patinated bronzePARK OF THE SOLVAY ESTATE, LA HULPE
January
e-sante.fr
e-sante.fr is named the best health site by a public of 275 000 voters. It is the site with
the best public scores of its category.
Solidarity of GMFduring the January storms
In 2000 Ethias stood beside GMF and offered assistance in handling the cases of loss and
damage resulting from the severe storms that swept across France. In January 2007 Ethias
can in turn count on the aid of the staff of GMF’s Loss and Damage Department to process
the storm fi les under the best conditions.
February
During the second edition of the BeCommerce Awards 2007 the website
www.ethias.be receives a Silver Award in the business-to-consumer category for My Ethias.
March
Launch of the new Ethias Family Insurance
The Belgian Offi cial Gazette of 27 February 2007 published the Royal Decree
relating to easier access to law via the legal protection insurance. Ethias did not wait
for this announcement to review its Private Life Civil Liability product in which the legal
protection guarantee is mostly included.
Ethias buys Belstar from Dexia
Belstar belongs to the top 10 life insurers active via the insurance brokers’ network. The
acquisition by our group of Belstar, followed by the merger of Belstar with our subsidiary
Nateus, will bring the opportunity to reinforce our presence in the brokers’ network.
Ethias launches a pilot project for the use of the electronic identity card (e-ID) for the
protection of the online insurance portfolio. Via the e-ID the clients of Ethias will be able
to execute every transaction in their insurance portfolio with a high degree of security.
Diversity Label
Ethias is one of the 10 organizations to receive the Diversity Label from the Ministers of Employment
and of the Civil Service. Different fi elds of action were chosen in the creation of the Diversity Plan
2007-2009. Various aspects will be covered: work-life balance, training and communication around Diversity, improved career follow-up, …
Expo Devreux
Art and pleasure in the strings! Museums have been abandoned in favour of the supermarket.
A major sponsor of this cultural event, Ethias invites visitors to take a light-hearted stroll in a
«super-bazart» of art ... Pierre Devreux-style.
April
Ethias is main sponsor of the 3rd Quality Congress “Inspiring People” for the local
public authorities in Flanders. The starting point is the power of people to inspire.
Ethias received the 2007 Decavi Non-Life Insurance Trophy for its «Private Life Civil
Liability Insurance» (family insurance).
May
Ethias is main sponsor of the exhibition “Octave Landuyt Ricorso/Goetic”.
Construction of a wind farmin the North Sea
Ethias is actively involved in an ambitious and unique windmill project in the North Sea by
offering various insurance contracts. The project includes the construction of 60 windmills (of
5 MW) that will generate 1 000 GWh per annum, which is equivalent to the annual consumption of 600 000 inhabitants. After completion the project
should allow, ecologically speaking, an annual reduction of 450 000 tonnes of CO2 emissions
(or avoid the felling of 90 000 ha of wood).
Ethias Sports Day
A multisport day for the whole family to discover 20 different sport disciplines in a
party atmosphere with a free concert in the Ethias Country Hall Liège to cap it all.
June
Concert at La Monnaie
Ethias wanted to pay thanks to its public service sector clients … in a music way, with
a production of Mozart’s The Magic Flute at the Royal Opera House in Brussels.
July
Fitch confi rms the A+ rating
The rating agency Fitch confi rms the A+ rating for fi nancial soundness. This rating was awarded for the fi rst time in 2005 to the mutual insurance associations Ethias Life and Ethias Common Law.
September
Ethias is partner of the 19th Walloon Heritage Day, of the Dinant Jazz Night, of the International
Festival of the French-speaking Film in Namur, the European Ladies’ Volleyball Championship and “Kamiel in vuur en vlam!” a fi re prevention
comic strip designed for children.
October
Ethias is partner of “On the Road”, an initiative that gives youngsters between the age of 18 and 24 the chance to take interactive driving lessons.
Ethias supports the “Night Without Accidents” in partnership with RYD
(Responsible Young Drivers). Ethias is also a structural partner of the RYD.
Declaration of fi re damagenow also possible in My Ethias
Our clients can now submit their fi re damage declarations in their protected space in My
Ethias. The entry of the claim is fully integrated in our databanks and is available 24 hours a
day. After Vehicle this is the second loss or damage declaration to be available online.
FIRST: Decavi Life Insurance Trophy 2007
After 2002 and 2005 the FIRST Account received its third Life Insurance Trophy from Decavi. The criteria that made the difference
are, among others, the yield and the clarity of the fi nancial information fi le. Belstar, new
acquisition of the group integrated in Nateus, for its part received two trophies
for its investment funds in branch 23.
Ethias Trophy
After Olivier Rochus in 2005 and Janko Tipsarevic in 2006, Latvian Ernests Gulbis
won the game against Kristof Vliegen during the third edition of the Ethias Trophy. This ATP Challenger Tournament has grown to become
the international men’s tennis event in Belgium.
November
Creation of the RENT range
With this product range clients can make investments and receive a regular income.
A simulation module for clients has also been placed on the internet. Via this simulator the
client is presented with the suitable “formula” according to his/her requirements.
Ethias launches its new travel cancellation insurance. This insurance covers all travel
for one year by members of the family living in the same house as the policyholder.
Ethias Bank launches the Eco-Renovation Credit
This product is designed as an incentive for energy-saving renovation of buildings.
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January
Ethias is partner of the non-profi t initiative «Message without a Name» (vzw Boodschap zonder Naam) whose third campaign aims to promote saying “Hello!” to each other.
Launch of the Eco-Package for cars emitting less than 120 g CO2/km.
a loan, repayable in instalments, • at a preferential rate
a discount on the Civil Liability premium,•
an Eco-driving practice with a• € 50 contribution from Ethias.
Ethias supports the short programme “The Right Refl ex” (“Les bons Réfl exes”) conceived and produced by VT4 and RTL-TVi. It includes practical tips, each 1 minute long, to avoid the little risks of daily life by preventive action.
March
Ethias is partner of the Festival “Verviers au Film de l’eau”. The intention is to use documentaries to make as many people as possible aware of the problem of water.
Ethias installs 85 m2 solar panels on the roof of its headquarters for the production of hot water and to reduce its CO2 emissions.
Ethias is a candidate for the European solidarity savings label.
Eco-Package Home
the ecological installations are insured • without additional premium,
the Eco-Renovation Package is • offered at a preferential rate.
April
Ethias publishes its fi rst societal report.
Ethias receives the 2008 Decavi Non-Life Insurance Trophy for its Family Insurance product.
Ethias is partner ofthe Folon Foundation
The retrospective «Folon 2008» is entitled“Trip to the Land of Folon”. This culturaland tourist route is available until September 2008.
Ethias supports the 9th Walloon Children’s Council meeting in partnership with the non-profi t association CRECCIDE.
Launch of the legal aid guarantee «Access to Law».
Ethias is partner of the local authorities’ Meeting Day. This day is the biggest meeting event for local authorities in Flanders.
May
Focus on the tariff “less than 10 000 km”, now even more competitive.
Ethias is partner of the congress “Quality of Local Authorities” and of the international expedition “Circle 66°” where 6 team members having suffered from breast cancer cross Greenland.
The Mobility guarantee sees the light of day
a free basic package: car breakdown • assistance in Civil Liability and repatriation to the place of residence for all accidents in Belgium and a free replacement car from accredited garages in case of compensation on the basis of comprehensive insurance or direct settlement system (6 days for total loss / for the duration of the repairs).
a replacement car in case of an accident • lasting 10 to 30 days for total loss or total theft of the vehicle. Guarantee with a lump-sum and highly competitive premium, plus the availability of a replacement car from the day of the accident having made the insured vehicle unroadworthy.
The BOB guarantee: extension of the guarantee to Civil Liability (vehicle and private life) for cover of material damage to a vehicle driven by a designated driver.
September
Ethias is partner of the Walloon Heritage Days, the International Festival of the French-speaking Film in Namur and the exhibition regarding home accidents in Houffalize (in partnership with Houtopia).
October
Ethias Trophy, a wave of pleasure, …
To accommodate the expectations of an increasingly large public at this event, the 2008 programme has been enlarged with a number of surprises. Concerts, virtual tournaments and other exciting demons-trations will be organized so the spectators can experience even more pleasure.
2008
7
FLORAISON … , 1971-2002
74 x 98 cm
Watercolour and coloured inkESPACE WALLONIE, BRUSSELS
Refunds
As a mutual insurance association Ethias pursues no strict profi t motive. Its clients,
thanks to the direct contact, also enjoy fast and effi cient service.
Ethias is thus able to reinvest in constant improvement of its products and serv-
ices and to offer its clients advantageous rates, premium refunds and the best
coverage.
In its 2007 Management Report the Board of Directors proposed allocating more
than 152.2 million euros in profi t participations and premium refunds to groups
and private individuals.
That is precisely why Ethias offers the best service and the best coverage against
competitive prices.
Always working towards a sole objective: to protect its clients and anticipate their
needs.
Contributions in thousand €
Fire 164 964Life 2 636 495Work accidents 207 946Common law 819 091TOTAL 3 829 096
Free reserves
Fire 162 507Life 735 836Work accidents 316 863Common law 471 325TOTAL 1 686 531
Receipt surpluses
Fire 15 819Life 123 940Work accidents 9 345Common law 18 143TOTAL 167 247
Total balances
Fire 383 895Life 20 186 955Work accidents 1 982 659Common law 2 667 015TOTAL 25 220 524
KEYFIGURES
SUR LA ROUTE … , 2002
75 x 105 cm
Watercolour and collageESPACE WALLONIE, BRUSSELS
Developingg our activities
is the main driving force bbehind growth
Position on the market
3rd largest insurer in Belgium (total receipts)
1st in the branch Group Life1st in Work Accidents (public sector)
2nd in Automobile3rd in Work Accidents3rd in property & casualty insurance (IARD)
13.1% market share
Evolution of receipts 1970 - 2007 in million €
1970 22.6
1975 63.0
1980 156.0
1985 307.3
1990 697.1
1995 1209.2
2000 1673.4
2005 4960.2
2006 3792.4
2007 3829.1
Key figures in million €
Gross premiums life __________________________________________ 2 636.5Gross premiums non-life ______________________________________ 1 192.6Total premiums ______________________________________________ 3 829.1Technical result _______________________________________________ 176.6Financial result ________________________________________________ 939.4Net result (a) __________________________________________________ 167.2Technical provisions _________________________________________ 19 639.2Proper funds (b) _____________________________________________ 1 686.5Total assets (c) _____________________________________________ 25 220.5Return on equity = (a) : (b)x100 _________________________________ 9.91 %Return on asset = (a) : (c)x100 __________________________________ 0.66 %
Fraction of thevarious insurance branchesin the total receipts
9
A stakeholderr in the social economy
A mutual insurancee association does noot exclude the profi t
motive, but pursuess profi t solely in the innterests of its mem-
bers and employeess. A mutual insurer ppromotes the values
of solidarity and resspect for others.
Ethias has always aspired to make innsurance accessible
rather than excludinng coverage. In otherr words, Ethias aims
to apply insurance in its original sensee, namely solidarity.
Ethias remains a fi xxture in an economic landscape that is
prey to sudden fl ucttuations on the stockk exchange. And be-
ing a mutual insuraance company is alsoo synonymous with
delivering a good peerformance.
Multiyear Plan foor Corporate Social Responsibility (CSR)
Ethias started an acction plan for Social RResponsibility within
its various activitiess. A multiyear plan waas approved in 2003
in this perspective. The Ethics Committtee guarantees its
implementation andd monitoring. To date the following initia-
tives have been broought to a successful conclusion:
• obtaining the 1stt Social Label for the Ethias
Home Insurancee (2003) - this label wwas extended
in 2006 for a further period of 3 yearrs
• creation of a soccial-ethical code,
• introduction of aa joint ethics committtee,
• development of an ethical and solidaarity-
based fund “Ethhico Boost”,
• creation of a codde of practice,
• creation of an investment code,
• obtaining the fi rrst Ethibel quality labbel for
the “FIRST pension savings plan”
• development of an ethical and solidaarity-
based fund in brranch 21 for groups,
• launch of MultiSSecurity editions withh the Ethibel label,
• obtaining the Diversity Label.
A mutual insurer
Since the legislator has recently permitted the merger by ac-
quisition between mutual insurance associations, a merger
is now planned between Ethias Common Law and Ethias Fire
to form a single association in IARD (property & casualty in-
surance). This merger will be put to the vote of the members
of Ethias Fire and Ethias Common Law at the Extraordinary
General Assembly to be held in the fi rst half of 2008.
A mutual insurance association is an alliance of persons who
agree to mutually insure themselves and to share the cost
of any sustained loss, damage or injury. To this end they set
up a fund that is replenished with their own contributions.
Under this formula each member is, at the same time, an
insurer and an insured party, and there is no capital stock
and therefore no shareholders to remunerate.
Taking out insurance with Ethias thus means that you buy
the necessary security for yourself, but you also contribute
towards the security of others and to the solidarity that is
the essence of insurance. Ethias regards its policyholders as
true partners, not merely as clients.
Ethias consists of fourseparate mutual insuranceassociations:
• Ethias Fire • Ethias Life• Ethias Work Accidents• Ethias Common Law
Ethias also has a bank
““AA mmuuttuuaall ccoommppaaaannyy aattttaaaacccchhhhees iiimmmmpppooorrtaannccee nnoott oonnllyy ttoo iittss mmeeeemmbbeerrss’’ ssssaattiiisssffffaacctioon,bbuutt aallssoo ttoo tthhee wwwweellffaarree oooofff iittss ppppeerrrssonnnell””
OURVALUES
PERSONNAGE… , 1992
53.5 x 10 x 9.5 cm
Patinated bronzeSEIGNIORY OF ANHAIVE, NAMUR
PERSONNAGE… , 1992
50 x 9.5 x 9.5 cm
Patinated bronzeGNIORY OF ANHAIVE, NAMUR
PatSEI
Ethias stannds by its policyholders
in facing upp to life’s contingencies,
offering inssurance products that are
straightforwward, transparent and
the best vaalue for money.
Besides Boost Ethico and the FIRST Pensions Savings Plan
Ethias also offers Global 21 Ethical. Boost Ethico is an ethical
and solidarity-based fund of branch 23, consisting of funds
recognized by Ethibel and/or Triodos. The FIRST Pensions
Savings Plan is the only product of this type bearing the
Ethibel Quality Label. Global 21 Ethical is an allocated fund
from brand 21 for the public service sector and bears the
Ethibel Quality Label.
In 2007 Ethias received the Diversity Label from the
Ministers for Social Integration and Work. Ethias is the only
enterprise in the banking and insurance sector with this
label, conferred for a period of 3 years. This label connects
with the introduction by Ethias of a Diversity Plan around
various projects, such as training in diversity, the adapta-
tion of premises for persons with a handicap, a “diversity”
announcement in vacant situations, adaptation of the inter-
net site for the visually impaired, etc.
Also noteworthy are the existing partnerships forged with
organizations and companies from the social economy
(Incofi n, Impulse Microfi nance, Netwerk Rentevrij, social
housing companies, etc.) and academia (Theodorus,
Baekeland, BI3, etc.).
A major player in the economy
Ethhias also contributes to the development of nearly
huundred companies via fi nancial participations. These
companies come from various sectors: insurance, fi finance,
inddustry, ICT, health, environment and the social ecoonomy.
This portfolio diversifi cation is part of its approaach for
deeveloping its insurance activity, but also comes abbout for
strrategic reasons or because of specifi c opportunities. On
31 December 2007 the Ethias participations portfollio rep-
ressented 2.560 billion euros and the Group’s consolidated
baalance stood at 28.7 billion euros.
11
TRIP TO THE LAND OF FOLON
The Folon Foundation
The Farm of the Castle
of La Hulpe, in the
Solvay Park, has been
home to the Folon
Foundation since
October 2000.
The Foundation, conceived and created by Jean-Michel
Folon, shows forty years of artistic activity in an original
and lively setting.
Here the artist opens his book of life … At the turn of each
page the visitor discovers the many facets of his art and
living environment amidst no fewer than 300 works of art:
watercolours, silk-screen prints, engravings, stained glass
windows, sculptures and statuary, …
Music, fi lms and optical effects enliven the interactive
route, open to a broad public.
After your visit you can stroll in the 220 hectares of the
Solvay estate and its exceptional fl ora and fauna.
More info: 02 653 34 56 - www.fondationfolon.be
Leader in online insurance
The Ethias internet site (www.ethias.be) is a fully-fl edged
distribution channel.
The site is a pioneer, particularly with the personal space
“My Ethias”. Here affi liates can consult and manage their
insurances and submit a vehicle/fi re damage claim online.
2007 was again a record year for the internet site: there
were more than 5 million visitors. 1 139 000 quotes were
given and more than 47 600 contracts were taken out.
“My Ethias” accounted for more than 3.2 million contract
consultations and more than 833 000 visits. The e-newslet-
ter has more than 170 000 subscribers.
These fi gures continue to rise and reinforce Ethias’ position
as leader in online insurances!
We think with you!
A general insurance companywith a wide product range
In January 2000 Ethias opened up to everyone. Since then
the company no longer only offers insurance policies to
public sector employees and their families. Ethias, the third-
largest insurer in Belgium, is a general insurance company
with a wide range of products spread across the two main
branches of traditional insurance: Life and Non-Life.
In the Life branch the facilities include: the FIRST Account,
FIRST Junior, the RENT range, LIFT MultiSecurity, BOOST
Invest, credit life insurance, …
In the Non-Life branch: motor vehicle insurance, driver insur-
ance, Ethias Assistance and Home Emergency (certifi ed with
ISO 9001:2000), Ethias Home and Family insurance (both
certifi ed by Test-Achats), hospitalization insurance, domes-
tic servant insurance, life accident guarantee, Academic
guarantee for the teaching professions, …
As a direct insurer Ethias offers an extensive product range
via various distribution channels.
Our insurance advisors are spread throughout the country
in a network of 39 offi ces.
You can fi nd the address list at the end of this brochure.
Over the years Ethias has also developed new means of
communicating with its members.
Via a contact center they can reach their insurer every work-
ing day on 02 227 99 00 from 08:00 to 20:00 hrs and on
Saturdays from 8:30 to 12:30 hrs.
POSTERS …offset and silk-screen
INDIVIDUAL INSURANCE
Health portal
In October 2002 Ethias launched e-sante.be, a free health portal focusing on
current health issues, prevention and well-being. This portal, developed on the
initiative of GMF (e-sante.fr) and Ethias, also has ambitions to stand out at the
European level.
E-sante has become the leading health site in Belgium, with more than 750 000 vis-
its each month. 2 000 000 pages viewed and 135 000 subscribers to the e-letter.
Besides a weekly health magazine e-sante.be also offers medical guides, health
catalogues, tests, recipes, etc.
15
HOMMAGE À GAUD … Í, 2001
71 x 123 cm
Oil on woodESPACE WALLONIE, BRUSSELS
Natural insurer of public authorities
Ethias (Smap at the time) was founded in 1919 by repre-
sentatives of the public authorities to offer an answer to a
twofold concern: the need for solidarity in rebuilding the
country after the First World War and to offer insurance pre-
miums that were cheaper (up to 50 %) in comparison with
the rates applied by traditional insurers.
Ethias has always remained committed to the task of insur-
ing the public sector and its employees.
Through developing its know-how even further Ethias has
substantially increased the size of its membership over the
years. These members now include:
Not only an insurer, but also a partner
Ethias insures the employees of public services and enter-
prises against all sorts of possible risks:
civil liability, hospitalization, accidents, including of course
work accidents, but also sporting accidents, car insurance
and assistance, …
Ethias also covers damage to or possible destruction of
equipment, buildings and installations. Too many to men-
tion! The list looks more like an endless inventory: exhibi-
tions, computers, fi lms and audiovisual equipment, all
kinds of equipment, luggage, circuses, police uniforms,
tents, bicycles, skis, but also parking meters, ticket and
drinks vending machines, … and even animals.
“Moree than just an insurer,
we want to be seen
aas a helping partner”
• the Federal Government, the
Regions and the Communities,
• the Constitutional bodies
(Chamber, Senate, Parliaments
of Regions and Communities),
• the 10 Provinces,
• more than 540 towns,
cities and boroughs,
• hundreds of community social
welfare centres and social
housing corporations,
• thousands of intercommunity
and semi-public bodies, public
interest organisations and
miscellaneous associations
(cultural centres, youth
centres, school committees,
staff associations, …).
GROUP INSURANCE
E LA NAVE VA … , 1992
100 x 200 cm
Oil on cast iron and on woodESPACE WALLONIE, BRUSSELS
A proximity relationship
The network of Ethias inspectors
covers the whole country and is fully
dedicated to public authorities.
Both in the day-to-day management
of the insurance contracts and the
settlement of insurance claims, the
inspector assists members in assess-
ing their needs and in fi nding ways of
fulfi lling them.
Attention to the needsof private businesses
Ethias also offers its know-how and
experience as an insurer of local au-
thorities to private businesses and
assists them in the management of
specifi c risks.
Ethias offers a complete range of in-
surances responding to the needs of
private businesses for the protection
of:
• their staff (work accidents
insurance, life accidents
insurance, hospitalization
insurance, guaranteed income
insurance, group insurance);
• their patrimony (car insurance,
property and casualty insurance,
machine breakage insurance,
all-risk insurance, …)
• their liabilities (civil liability
for business, civil liability
for vehicle drivers).
In that context Ethias works exclu-
sively with brokers specialized in cor-
porate risks. They are known for their
professional and objective analysis of
the private market.
Efficient, simple and free
Thanks to our protected extranet,
the affi liated groups can now man-
age their fi les on a remote basis. Our
extranet is now a highly valued and
widely used business tool. The site
has a million connections each month
and receives 90% of the work acci-
dents claims as well as large number
of claims in civil liability, fi re damage
and school accidents. Around 5 000
groups make use of it: Flemish- and
French-speaking community schools,
90% of the policyholders for work
accidents and sporting federations
insured with Ethias.
In the context of an electronic docu-
ment management system the use
of the extranet is now increasingly
evolving towards a genuine means of
communication between insured and
insurer.
Prevention advice
A team of prevention specialists is
also available for public authorities
and businesses. These specialists can
always be called upon for step-by-
step assistance depending on their
profi le and activities. The many tasks
include carrying out safety audits, ac-
cident analyses and risk inspections.
These safety technicians can also of-
fer training to staff members and give
specialist advice. Important detail:
this service is totally free!
17
In 2006 Ethias Bank further developed its product range in order to meet as far
as possible the needs of the Ethias Insurance policyholders. In 2007 Ethias Bank
mainly focussed on the complementarity of its products with those of Ethias
Insurance.
In 2007 a campaign was developed promoting the savings account as a short-term
alternative to the FIRST Account.
The success of this campaign demonstrates, on the one hand, the need for short-
term savings products for Ethias policyholders and, on the other, the commercial
interaction between the savings account and the range of FIRST products.
In the range of consumer credits too,
greater cooperation was sought with
Ethias Insurance. Consumer credits
are now offered in 14 of the 39 offi ces
where the advisors, besides vehicle
and fi re insurances, are now able to
present their clients with vehicle and
renovation loans.
The bank for private individuals
ETHIASBANK
L’ENFANCE … , 1983
100 x 145 cm
Aubusson tapestry
woven in the studio of Robert FourOLD GRANARY, DURBUY
OVER THE RAINBOW … , 1989
105 x 132.7 cm
Aubusson tapestry
woven in the studio of Robert FourOLD GRANARY, DURBUY
The bank for the public service sector
2007 was characterized by an intensifi ed cooperation between the bank and insur-
ance teams in the Group Life sector.
At organizational level the bank teams were reinforced by the Employee Benefi t
Consultants from the Life branch. The integration of these advisors makes it
possible for us to give the client an all-inclusive answer to questions concerning
investments, and this for a period of 1 week up to 30 years.
With regard to group insurance products, bank investment products and FIRST
Company products (branch 26) clients can now call upon the same team offering
them a total solution package.
In keeping with Ethias’ initiatives
around “sustainable entrepreneur-
ship and management”, 2 types of
consumer credit were developed
for the fi nancing of environmentally
friendly investments: the Eco-Package
for Cars and the Eco-Renovation
Credit.
The success of these products shows
that the Ethias client is far from insen-
sitive to this important societal topic.On a commercial level the emphasis
was on the further development of
short-term investment products. This
led to the successful launch of the
FIRST Company Short Term product
in branch 26. In addition to a capital
guarantee, this investment product
also offers a guaranteed minimum
return, plus a bonus on the end date.
Ethias Protection Plus was also
launched, offering clients the possibil-
ity to further develop their portfolios.
This is also a short-term investment
product with capital protection over
three months but without guaranteed
return.
For the future Ethias Bank will con-
tinue to look for products that sat-
isfy the clients’ demand for effi cient,
versatile management of fi nances,
with the accent on the quality of the
service rendered to the client.
19
PLATES… , 2002
51.5 cm diam. / 46 cm diam.
Coloured terracottaOLD GRANARY, DURBUY
Ethhias,a ccompany opento Europe
A solid institutioonal partnership
Back in 1999, Ethiias forged a partnersship with AZUR-GMF,
one of the key playyers in the French insurance sector. Each
of the groups retaains its identity, but they work together
actively in areas ooffering effi cient syneergies and important
economic scale inccreases. Examples arre reinsurance, fi nan-
cial management aand claims.
The GMF Group, reference insurer ffor public serviceemployees
GMF takes the fundamental values of tthe mutual insurer to
heart and offers insurance solutions annd proximity fi nancial
services that are noot only modern, simpple, effi cient and use-
ful but also with aa fair price. GMF thus meets the specifi c
protection needs oof the insured at any ttime in their lives.
Mindful of social trends and developpments and citizens’
concerns, GMF plaaces its know-how annd experience at the
service of its membbers, who are at the hheart of its pursuit of
mutual values.
Besides a comprehhensive range of conttracts and services in
the fi eld of goods aand personal insurannce, assistance, legal
aid, savings or fi nnancial products, the Group also offers
products specifi c to the needs of publicc service employees.
Group has 4000 points of sale, nearly 6 000 employees
France (includding all subsidiaries), more than 3 million
clients, 5 milllion managed contracts in loss and dam-
age insurancce. More than 600 000 persons have a life
insurance coontract.
Nateus 2007:merger, innovationand good results
2007 was the year of the merger with Belstar, specialized in
life insurance. Belstar, which sold its products exclusively
through independent brokers, was purchased by Ethias in
early 2007 and merged with Nateus on 27 December 2007.
With this merger Nateus reinforced its position as a brokers’
company.
In 2007 the total premium receipts stood at € 379 million, of
which € 205 million in the branch Life and another € 174 mil-
lion in the branches Liability, Loss/Damage and Transport.
The fi nancial year closed showing a profi t of more than € 12
million. The balance total rose to more than € 2 billion at
the end of 2007. A staff of 453 employees guarantee an
enthusiastic support of the brokers’ network.
The Credit Cell was created to meet more effectively the ex-
pectations of the independent broker. Brokers can call upon
this Cell to fi nd solutions for mortgage loans, consumer
credits and investment loans. Ethias Bank is the preferred
partner.
In 2007 a new interactive web application was developed.
With this tool users can now input new policies and make
changes in their insurance portfolio. An evolution that bro-
kers particularly appreciate.
In early 2008 Nateus was the fi rst insurer to launch an in-
surance solution for the designated driver (Bob
driver). By so doing Nateus confi rms
only its innovative role in the insurance
landscape but, as a subsidiary of Ethias,
also contributes to providing solutions
for societal problems.
The G
n
ver (Bob
n
e
The
in
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ot
PARTNERS
MODERN TIME… , 2003
40 x 160 x 30 cm
terracotta
VASE… , 2003
50 x 37 cm
TerracottaOLD GRANARY, DURBUY
In 2007 the turnover of GMF in Loss and Damage rose to
1.35 billion euros despite the tariff reductions that were
regularly implemented over the past 4 years in Vehicle in-
surance. The receipts in the same period in Life Insurance,
generated by subsidiary GMF Life, were 1 167 million euros,
which is a 7% increase. Still in Life Insurance, GMF has for
three consecutive years offered the best returns on the mar-
ket, i.e. 4.55% on its most important contracts.
GMF is now part of COVEA, a strong mutual group, leader on
the French insurance market for private individuals,
with a turnover of more than 12 billion euro
and 10 million members.
Mutual companies in Europe
Ethias is at the hub of a European networ
of relations thanks to its membership of major
European associations representative of the mutual in-
surance companies. It played an important role in the merger
of these organizations in a single organization (AMICE), of
which it is a founding member. It works actively in actions
conducted to make the international and European authori-
ties aware of the particularities and the values of the mutual
insurers.
Together with other European insurers in the social econo-
my, Ethias has committed itself, among other things, to the
creation of a European Status for Mutual Insurers, a legal
instrument whereby it can develop its own activities on a
European scale.
LEGIBEL
LEGIBEL is the legal protection dispute
setttlement offi ce at the service of the
Ethhias policyholders. This separate system of managgement
is designed to ensure the best possible settlemeent for
confl icts of interest or differences of opinions that Ethias
poolicyholders may be faced with.
In order to achieve its goals, LEGIBEL has adopted sspecifi c
toools tailored to this kind of settlement procedure aand re-
fl eecting state-of-the-art dispute settlement techniquees.
LEGIBEL offers policyholders the opportunity to settle their
confl ict on the basis of alternative settlement proceedures:
arbbitration and mediation. Towards this end, it enlists the
aidd of accredited mediators who have received mediation
traaining from CIFORM (www.ciform.org).
Ouur processing procedures are based on a legal protection
me-line” whose stringent application makes its gener-
ally possible to avoid legal proceedings.
Allowing the advisor managing the claims poortfolio
to use a series of preventive measures, we offer cli-
ents coverage tailored to their disputes (potential or
recognised).
or optimum effectiveness LEGIBEL also offers leegal aid
byy telephone: LEGIPHONE, on number 02 223 70 700.
Ouur offi ce has the ISO 9001 certifi cate. LEGIBELL is ac-creedited by the European Communities for the out-oof-courtsetttlement of consumer disputes.
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Fo
21
AalstLeo De Bethunelaan 108
9300 AALST
Tel. 053 78 92 20 Fax 053 77 83 97
AlAlAllleleleururururAvenue de l’Expansion 12
4432 ALLEUR
Tel. 04 247 90 11 Fax 04 246 00 15
pAnAnAnntwtwwtwereererpppMechelsesteenweg 66
2018 ANTWERPEN
Tel. 03 203 41 41 Fax 03 231 76 09
ArlonRue-des-deux-Luxembourg 48-50
6700 ARLON
Tel. 063 22 06 37 Fax 063 23 22 62
BrBrrBruguggugeesesesGenthof 9
8000 BRUGGE
Tel. 050 47 07 00 Fax 050 47 07 07
ChChhChararrarlelelelerororoiiiBoulevard Pierre Mayence 1
6000 CHARLEROI
Tel. 071 20 27 70 Fax 071 20 27 80
DinantRue Edouard Fétis 24
5500 DINANT
Tel. 082 22 70 79 Fax 082 22 42 72
EekloMolenstraat 44
9900 EEKLO
Tel. 09 378 42 54 Fax 09 378 44 38
Ellignies-Ste.-AnneRue Neuve 11
7972 ELLIGNIES-STE-ANNE
Tel. 069 68 89 66 Fax 069 68 90 07
GeelSchuttershof 16 (Gasthuisstraat)
2440 GEEL
Tel. 014 56 26 90 Fax 014 56 26 99
GhGhhGhenennenttttF. Rooseveltlaan 351
9000 GENT
Tel. 09 265 78 78 Fax 09 265 78 70
HalleVandenpeereboomstraat 46/1
1500 HALLE
Tel. 02 356 05 84 Fax 02 356 49 64
HannutRue de Tirlemont 2
4280 HANNUT
Tel. 019 51 95 10 Fax 019 51 95 15
HuyRue Rioul 2
4500 HUY
Tel. 085 27 45 90 Fax 085 27 45 99
jKoKoKoortrtrtririririjkjkjkGroeningestraat 39
8500 KORTRIJK
Tel. 056 21 88 08 Fax 056 22 96 21
La LouvièrePlace communale 20
7100 LA LOUVIERE (Résidence de la Paix)
Tel. 064 23 80 80 Fax 064 23 80 81
LeuvenJustus Lipsiusstraat 36/0006
3000 LEUVEN
Tel. 016 28 43 60 Fax 016 28 43 69
LibramontGrande Rue 33b
6800 LIBRAMONT
Tel. 061 23 21 89 Fax 061 23 24 61
Marche-en-FamenneAllée du Monument 22A
6900 MARCHE-EN-FAMENNE
Tel. 084 32 71 40 Fax 084 32 71 49
MeMeMeMechchhcheleleleenenH. Consciencestraat 8
2800 MECHELEN
Tel. 015 42 07 99 Fax 015 42 32 67
MerksemBredabaan 804
2170 MERKSEM
Tel. 03 646 23 58 Fax 03 646 33 94
MoMoMoMonsnsnsnsBoulevard Dolez 15
7000 MONS
Tel. 065 40 17 20 Fax 065 40 17 30
NaNaNaamumumumurrRue de Fer 48
5000 NAMUR
Tel. 081 25 07 11 Fax 081 25 07 10
OstendErnest Feysplein 3
8400 OOSTENDE
Tel. 059 56 86 80 Fax 059 56 86 89
OudenaardeMarlboroughlaan 2
9700 OUDENAARDE
Tel. 055 30 24 30 FFax 055 30 35 27
PeerSteenweg Wijchmaal 110/1
3990 PEER
Tel. 011 57 47 43 FFax 011 57 55 91
RoeselaereIepersestraat 194-1966
8800 ROESELAERE
Tel. 051 24 86 14 FFax 051 25 11 46
Sint-NiklaasSchlachthuisstraat 73
9100 SINT-NIKLAAS
Tel. 03 780 78 50 FFax 03 780 78 59
TienenVeemarkt 8
3300 TIENEN
Tel. 016 82 02 27 FFax 016 82 49 43
TournaiRue Royale 71
7500 TOURNAI
Tel. 069 88 96 10 FFax 069 88 96 15
VerviersBoulevard Gérardchammps 120
4800 VERVIERS
Tel. 087 35 13 94 FFax 087 35 15 82
WaremmePlace du Roi Albert 1er 14
4300 WAREMME
Tel. 019 33 08 10 FFax 019 33 09 01
WaWaWaWavrrvrvreeeeAvenue Pasteur 6
1300 WAVRE(Parc d’affaires des Colliness de Wavre)
Tel. 010 68 62 20 FFax 010 68 62 29
YpresSint-Jacobsstraat 67
8900 IEPER
Tel. 057 20 97 37 FFax 057 21 93 26
Besides Liège, Brussels and Hasselt, the
offioffice cess in Alleur, Antwerp, Bruges, Charleroi,
Ghent, Kortrijk, Mechelen, Mons, Namur and
Wavre also offer bank products.
REGIONAL OFFICES
EVASION … , 2004
260 x 500 x 72 cm
Patinated bronzePARK OF THE SOLVAY ESTATE, LA HULPEPARK OF THE SOLVAY ESTATE, LA HULPE
Insurance private individuals
Infofrom Monday to Friday from 08:00 to 20:00 hrs.
Saturdays from 08:30 to 12:30 hrs.
Tel. 02 227 99 00
Helpdesk Lifefrom Monday to Friday
from 08:00 to 12:00 hrs and from 13:00 to 17:00 hrs
Tel. 011 28 23 84
Fax 011 28 23 50
Car and Home Damages (24 hours/day)Tel. 011 28 24 00
Fax 011 28 27 26
Ethias Assistance (24 hours/day)Tel. 011 28 28 28
Fax 011 28 28 29
Group insurance
Public sector authoritiesfrom Monday to Friday from 08:00 to 17:00 hrs.
Tel. 011 28 20 80 or 011 28 20 21
BusinessesTel. 011 28 20 15
Fax 011 28 20 87
Prevention serviceTel. 011 28 28 80
Fax 011 28 28 89
ExtranetTel. 011 28 29 00
Bank for private individuals
from Monday to Friday from 09:00 to 17:00 hrs.
Tel. 011 28 28 21
Bank for the public sector
from Monday to Friday from 09:00 to 17:00 hrs.
Tel. 0800 94 005
CONTACT CENTERS
23
Chief Editor: Benoit Rigo Avenue de l’Astronomie 19 1210 Brussels Concept and design : [email protected]
© Folon ADAGP 2008 Photography: © OPT - JP Remy / © Thierry Renauld / © Luc Seresiat