mtpl insurance in the czech republic role of insurers in the road safety development - czech...
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CZECH INSURANCE MARKET MTPL Insurance in the Czech RepublicMTPL Insurance in the Czech RepublicRole of insurers in the road safety developmentRole of insurers in the road safety development - - CzechCzech experienceexperience
Václav KřivohlávekPetr Svoboda
ProMotor II-nd Warsaw International Motor Insurance Forum8-9 May 2008
Role of insurers in the road safety developmentRole of insurers in the road safety development - - CzechCzech experienceexperience
Insurance 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).
Role of insurers in the road safety developmentRole of insurers in the road safety development - - CzechCzech experienceexperience
Insurance Industry in the Czech Republic
Legislation (valid)
Act No 363/1999 Coll. The Insurance Act
Act No 168/1999 Coll. The Motor Third Party Liability Insurance
Act No 37/2004 Coll. Act on Insurance Contract
Act No 38/2004 Coll. Act on Insurance Intermediariesand on Independent Loss
Adjusters
Act No 377/2005 Coll. Act on financial conglomerates
Act No 57/2006 Coll. Act on the Amendment of Actsin Connection with integrationof Financial Market Supervision
Role of insurers in the road safety developmentRole of insurers in the road safety development - - CzechCzech experienceexperience
Insurance 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
Role of insurers in the road safety developmentRole of insurers in the road safety development - - CzechCzech experienceexperience
Insurance 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
Number of Insurance Companies by Licenced ClassNumber of Insurance Companies by Licenced Class
1998 2000 2002 2004 2006 2008
Total number of insurers 41 41 42 40 49 52
of which: Life insurerars 5 3 3 3 6 6
Non-life 19 20 22 21 26 29
Composite 17 18 17 16 17 17
Role of insurers in the road safety developmentRole of insurers in the road safety development - - CzechCzech experienceexperience Insurance Industry in the Czech Republic
2000 2001 2002 2003 2004 2005 2006 2007
Premiums written in bill. CZK
71 81 91 106 112 117 122 130
Gross domestic product in bill. CZK
2150 2315 2415 2551 2751 3000 3211 3514
Premiums written / GDPin %
3,3 3,5 3,77 4,16 4,07 3,9 3,8 3,7
Share of total premium written on GDP in %Share of total premium written on GDP in %
Insurance companies having their seats in the territory Insurance companies having their seats in the territory of the Czech Republic of the Czech Republic providing temporary services in the E.U.providing temporary services in the E.U.
Total Number 15Total Number 15
of which in Poland 10of which in Poland 10
named: named: AIG CZECH REPUBLIC pojišťovna, a. s.
Allianz pojišťovna, a.s. Česká pojišťovna, a.s. ČSOB Pojišťovna, a. s. Euler Hermes Čescob, úvěrová pojišťovna, a. s. Evropská cestovní pojišťovna, a. s. Komerční úvěrová pojišťovna EGAP, a.s. Kooperativa pojišťovna, a. s. MAXIMA pojišťovna, a.s. UNIQUA pojišťovna, a.s.
Role of insurers in the road safety developmentRole of insurers in the road safety development - - CzechCzech experienceexperience Insurance Industry in the Czech Republic
Role of insurers in the road safety developmentRole of insurers in the road safety development - - CzechCzech experienceexperience Insurance Industry in the Czech Republic
Insurance companies and branches from other Member Insurance companies and branches from other Member States of the E.U. States of the E.U. providing temporary services in the Czech Republic (4. 5. 2008)providing temporary services in the Czech Republic (4. 5. 2008)
Total Number 489Total Number 489
of which from Poland 12 of which 9 non-lifeof which from Poland 12 of which 9 non-life
3 life3 life
Activity of the neighbouring countries is not so high like for example activity of the Ireland (74) and United Kingdoms (126)
Insurance companies from Poland providing their service in the Insurance companies from Poland providing their service in the Czech Republic under the freedom to provide services Czech Republic under the freedom to provide services (4. 5. 2008)(4. 5. 2008)Total Number 12 ( 9 + 3 )
1. AIG polska Towarzystwo Ubezpieczeń S.A. Marszalkowska 111, 00-102 Warszawa nl
2. BRE Ubezpieczenia Towarzystwo Ubezpieczeń S.A.GERLING POLSKA ul. Królewska 14, 00-065 Warszawa nl
3. TOWARZYSTWO UBEZPIECZEŇ S.A. Hrubieszowska 2, 01-209 Warszawa nl
4. MetLife Towarzystwo Ubezpieczeń na Życie S.A. ul.Chalubińskiego 8, 00-613 Warszawa l
5. Powszechny Zaklad Ubezpieczeń S.A. Al. Jana Pawla II 24, 00-133 Warszawa nl
6. Sopockie Towarzystvo Ubezpieczeń Ergo Hestia S.A. ul. Hestii 1, 81-731 Sopot nl
7. Towarzystwo Ubezpieczeń Allianz Polska S.A.Allianz pojišťovna, a.s., Ke Štvanici 656/3, 186 00 Praha 8 nl
8. Towarzystwo Ubezpieczeń EULER ul. Domaniewska 50 B, 02-672 Warszawa nl
9. HERMES S.A.Towarzystwo Ubezpieczeń FILAR S.A. Warszawaul. Zubrów 3, 71-617 Szczecin nl
10. Towarzystwo Ubezpieczeń na Życie ROYAL Polska S.A. ul. Wspólna 47/49, 00-684 Warszawa l
11. UNIQA Towarzystwo Ubezpieczeń na Zycie S.A. ul. Gdańska 132, 90-520 Lódź l
12. UNIQA Towarzystwo Ubezpieczeń S.A. ul. Gdańska 132, 90-520 Lódź nl
Role of insurers in the road safety developmentRole of insurers in the road safety development - - CzechCzech experienceexperience Insurance Industry in the Czech Republic
Role of insurers in the road safety developmentRole of insurers in the road safety development - - CzechCzech experienceexperience
Insurance Industry in the Czech Republic Motor Car insurance provided by the Czech Insurance CompaniesCompany: MTPL insurance CASCO insurance
AIG pojišťovna, a.s. yes noAllianz pojišťovna, a.s. yes yesČeská podnikatelská pojišťovna, a.s. yes yesČeská pojišťovna, a.s. yes yesČSOB pojišťovna, a.s. yes yesDIRECT pojišťovna, a.s. yes noDolnorakouská pojišťovna yes noGenerali pojišťovna, a.s. yes yesHasičská vzájemná pojišťovna, a.s. yes yesKooperativa pojišťovna, a.s., Vienna
Insurance Group yes yesTriglav Pojišťovna, a.s. yes noUniqa pojišťovna, a.s. yes yesWüstenrot pojišťovna yes yes
Number of car insured – according to MTPL insurance2001 5 256 909 2007 5 997 461
Role of insurers in the road safety developmentRole of insurers in the road safety development - - CzechCzech experienceexperience
Insurance Industry in the Czech Republic Statistical information on the Motor Car Insurance
Role of insurers in the road safety developmentRole of insurers in the road safety development - - CzechCzech experienceexperience
Insurance 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)
Role of insurers in the road safety developmentRole of insurers in the road safety development - - CzechCzech experienceexperience
Insurance Industry in the Czech Republic
Activity of the Czech Insurance Companiestowards to clients
Insurance product offered by Czech Insurance Companies,
Additional Insurance offered to the basic Motor Car Insurance,
Bonus and Malus system.
New legislation
Thank you very much for youThank you very much for yourr attention attention
Questions ?
Role of insurers in the road safety developmentRole of insurers in the road safety development - - CzechCzech experienceexperience Insurance Industry in the Czech Republic