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Published Results: motor-insurance-2017

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Contributions received are intended for publication on the Commission’s website. Do you agree to your contribution being published? (see specific privacy statement )(contributions-publication)
Question 1: If you have been a victim of an accident that happened in another EU Member State from that where you reside, did you have any problem to receive compensation in good time?(q1)
Question 2: If you have been a victim of an accident that happened where you reside caused by a driver insured in another Member State, did you experience any problem to receive compensation in good time?(q2)
Question 3: If you have been a victim of an accident caused by an uninsured vehicle or a vehicle that was impossible to be traced, did you experience any problem to receive compensation in time?(q3)
Question 4: If you have moved from one Member State to another Member State, did you experience any problem in acquiring your MTPL insurance policy?(q4)
Question 5: If you obtained a certificate from your previous insurer in the original Member State showing for example that you had not caused an accident in the last 5 years, did the new insurer in the other Member State take it into account in calculating the premium?(q5)
Question 6: If the answer to the previous question is negative, what were the reasons for such refusal?([ID54])
please state:(q6o)
Question 7: In your view, should insurers be obliged to take into account a claims history statement from a previous insurer (including from another Member State) for the purposes of premium calculation?(q7)
Question 8: In your view, should insurers be obliged to publish their policies regarding no claims bonuses and bonus/malus discounts to contribute to better treatment of policyholders when switching?(q8)
Question 9: Should EU law afford full protection of parties injured in traffic accidents in the case of insolvency of the insurer (regardless of where in the EU the insurer is based)?(q9)
Question 10: Should MID permit systematic checks on insurance of vehicles by electronic means without physically stopping the vehicle?(q10)
Question 11: Is the protection of visitors provided under MID sufficient?(q11)
Question 12: Should the protection provided under MID include liability for accidents irrespective where they occur, thus both on public roads and private property?(q12)
Question 13: Should it be left to the discretion of individual Member States to exempt certain natural or legal persons, certain public or private vehicles, certain types of vehicles or vehicles bearing special number plates that normally fall under MID, provided that the victims are otherwise compensated?(q13)
Question 14: What types of vehicles, if any, should be completely excluded from the scope of MID at EU-level?(q14)
Question 15: Should compulsory MTPL insurance cover accidents resulting from agricultural, construction, industrial, motor sports or fairground activities?(q15)
Question 16: Should autonomous vehicles continue to be insured for liability to victims of accidents in the same manner as vehicles with drivers?(q16)
Question 17: Do you have other comments related to technological evolution?(q17)
Question 18: If you have purchased a vehicle in another Member State, did you experience any problems in obtaining MTPL insurance for the purpose of bringing your vehicle back home?(q18)
Question 19: Should the current legal framework applicable for dispatched vehicles be modified in any manner? Please specify how.(q19)
Question 20: Are there any other issues not falling within the remit of the above questions that might require action at EU level you wish to raise? What would be your preferred solution to the identified issue?(q20)
Question 1: Do you consider that the number of uninsured vehicles is problematic in your Member State? What are in your view the reasons for uninsured driving?(bq1)
Question 2: Do you consider that measures are needed at European level to reduce the levels of uninsured driving? If yes, what could those measures be?(bq2)
Question 3: Do you consider that the five-year period of the claims history statements is sufficient? If not, what should be the period for such statements: seven, ten, fifteen years?(bq3)
Question 4: Should the format of claims history statements be standardised in the EU?(bq4)
Question 5: Should insurers be obliged to take into account a claims history statement from a previous insurer (including from another Member State) for the purposes of premium calculation?(bq5)
Question 6: Do you (if you are an insurer) take into account claims history statements from other insurers and how? If not, please explain why.(bq6)
Question 7: Would an obligation on insurers to make public their policies regarding no claims bonuses and bonus/malus discounts policies contribute to better treatment of policyholders when switching?(bq7)
Question 8: Do you have other comments related to the portability of claims history statements?(bq8)
Question 9: In cases where an insurer providing insurance cross-border in another Member State becomes insolvent, what is the most appropriate solution in the case of an accident caused by a policyholder of that insolvent insurer?([ID19])
Please explain which one:(bq9o)
Question 10: Should injured parties seek compensation from the competent body in the Member State of:([ID72])
Question 11: Should EU law provide that in the case of insolvency of the insurer, compensation to the victim must be provided in full?(bq11)
Question 12: Do you have other comments related to protection of victims where a cross-border motor insurer is insolvent?(bq12)
Question 13: Should the minimum amounts of cover continue to be the same in all EU Member States?(bq13)
Question 14: Should the minimum amounts of cover be lower, higher or remain the same compared to what they currently are under MID?(bq14)
Question 15: Should MID differentiate between types of vehicles (such as electric bicycles, lorries, tractors, etc.) for the determination of the minimum amounts of cover?(bq15)
Question 16: If so, what should be the minimum amounts of cover for those different types of vehicles? Please specify:(bq16)
Question 17: Do you have other comments related to minimum amounts of cover?(bq17)
Question 18: Should MID permit systematic checks on insurance by electronic means without physically stopping the vehicle?(bq18)
Question 19: Should the cross-border exchange of information on number plates and linked insurance policies be improved and/or streamlined between Member States?(bq19)
Question 20: Does the current system of determining the Member State where the vehicle is based capture adequately all conceivable situations? If not, please state why.(bq20)
Question 21: Do you have other comments related to insurance checks?(bq21)
Question 22: Is the protection of visiting victims provided under MID sufficient? Is there a level playing field with the Green Card protection?(bq22)
Question 23: Does the functioning of the claims representatives, information centers and compensation bodies need to be improved? If so, how?(bq23)
Question 24: Do you have other comments related to claims concerning visiting victims?(bq24)
Question 25: Are there any terminology or definition issues in MID that undermine its effective functioning?(bq25)
Question 26: If the answer to the previous question is in the affirmative, please state the issues and explain their effect on the protection of victims of traffic accidents.(bq26)
Question 27: Should the protection provided under MID include liability for accidents irrespective where they occur, thus both on public roads and private property?(bq27)
Question 28: In light of the Vnuk ruling, should it be left to the discretion of individual Member States to exempt certain natural or legal persons, certain public or private vehicles, certain types of vehicles or vehicles bearing special number plates that normally fall under MID, provided that the victims are otherwise compensated? If not, why not and what action should be taken?(bq28)
Question 29: What types of vehicles, if any, should be excluded from the scope of MID at EU level?(bq29)
Question 30: Should compulsory MTPL insurance cover accidents resulting from agricultural, construction, industrial, motor sports or fairground activities?(bq30)
Question 31: Should compulsory MTPL insurance cover accidents that occur on areas that the public are not allowed (legally) to access?(bq31)
Question 32: Do you have other comments related to the scope of MID?(bq32)
Question 33: Should autonomous vehicles continue be insured for liability to victims of accidents the same way as vehicles with drivers?(bq33)
Question 34: Should MID be clarified in any way to reflect the development of autonomous vehicles? If so, please substantiate your answer and explain how.(bq34)
Question 35: Do you have other comments related to technological evolution?(bq35)
Question 36: Should the current legal framework applicable for dispatched vehicles be modified in any manner? Please specify how(bq36)
Question 37: Do you have other comments related to the transfer of vehicles?(bq37)
Question 38: Are there any other issues not falling within the remit of the above questions that might require action at EU level you wish to raise? What would be your preferred solution to the identified issue?(bq37)
Should you wish to provide additional information (e.g. a position paper, report) or raise specific points not covered by the questionnaire, you can upload your additional document(s) here:(file-upload)
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a private individual
an organisation or a company
a public authority or an international organisation
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Academic institution
Company, SME, micro-enterprise, sole trader
Consultancy, law firm
Consumer organisation
Industry association
Media
Non-governmental organisation
Think tank
Trade union
Other
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International or European organisation
Regional or local authority
Government or Ministry
Regulatory authority, Supervisory authority or Central bank
Other public authority
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Austria
Belgium
Bulgaria
Croatia
Cyprus
Czech Republic
Denmark
Estonia
Finland
France
Germany
Greece
Hungary
Iceland
Ireland
Italy
Latvia
Liechtenstein
Lithuania
Luxembourg
Malta
Norway
Poland
Portugal
Romania
Slovakia
Slovenia
Spain
Sweden
Switzerland
The Netherlands
United Kingdom
Other country
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Car industry
Insurance
Transport sector
Other
Not applicable
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the new insurer does not recognize statements from a foreign insurer
the new insurer requested a statement covering more than the last five years
other reason
no reason given
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No legally required intervention by any guarantee fund in any Member State with the consequence that the victim risks not receiving any compensation from an insurer or guarantee fund and may have to seek recourse from the responsible driver in civil courts (current situation if no voluntary agreement for compensation is in place)
A fund or compensation scheme in the Member State of the insurer should eventually compensate the victim/reimburse intervention of guarantee scheme of the Member State of residence of the victim
A fund or compensation scheme in the Member State of the insured party (responsible driver) and/or accident should intervene, regardless of whether the insurer contributed to that fund or not
A fund or compensation scheme in the Member State of the insured party (responsible driver) and/or accident should intervene, only if the insurer contributed to that fund
An EU-wide fund with separate contributions
Another treatment
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their residence, in which case this body would have a recourse towards the body of the Member State where the insurers has its head office of the insurer
where the insurers has its head office

No contribution to display no data

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Are you replying as:
First name and last name:
Name of your organisation:
Name of the public authority:
Is your organisation included in the Transparency Register?
(If your organisation is not registered, we invite you to register here, although it is not compulsory to be registered to reply to this consultation. Why a transparency register?)
If so, please indicate your Register ID number:
Type of organisation:
Please specify the type of organisation:
Type of public authority
Please specify the type of public authority:
Where are you based and/or where do you carry out your activity?
Please specify your country:
Field of activity or sector (if applicable):
Please specify your activity field(s) or sector(s):
Contributions received are intended for publication on the Commission’s website. Do you agree to your contribution being published?
(see specific privacy statement PDF)
Question 1:
If you have been a victim of an accident that happened in another EU Member State from that where you reside, did you have any problem to receive compensation in good time?
Question 2:
If you have been a victim of an accident that happened where you reside caused by a driver insured in another Member State, did you experience any problem to receive compensation in good time?
Question 3:
If you have been a victim of an accident caused by an uninsured vehicle or a vehicle that was impossible to be traced, did you experience any problem to receive compensation in time?
Question 4:
If you have moved from one Member State to another Member State, did you experience any problem in acquiring your MTPL insurance policy?
Question 5:
If you obtained a certificate from your previous insurer in the original Member State showing for example that you had not caused an accident in the last 5 years, did the new insurer in the other Member State take it into account in calculating the premium?
Question 6:
If the answer to the previous question is negative, what were the reasons for such refusal?
please state:
Question 7:
In your view, should insurers be obliged to take into account a claims history statement from a previous insurer (including from another Member State) for the purposes of premium calculation?
Question 8:
In your view, should insurers be obliged to publish their policies regarding no claims bonuses and bonus/malus discounts to contribute to better treatment of policyholders when switching?
Question 9:
Should EU law afford full protection of parties injured in traffic accidents in the case of insolvency of the insurer (regardless of where in the EU the insurer is based)?
Question 10:
Should MID permit systematic checks on insurance of vehicles by electronic means without physically stopping the vehicle?
Question 11:
Is the protection of visitors provided under MID sufficient?
Question 12:
Should the protection provided under MID include liability for accidents irrespective where they occur, thus both on public roads and private property?
Question 13:
Should it be left to the discretion of individual Member States to exempt certain natural or legal persons, certain public or private vehicles, certain types of vehicles or vehicles bearing special number plates that normally fall under MID, provided that the victims are otherwise compensated?
Question 14:
What types of vehicles, if any, should be completely excluded from the scope of MID at EU-level?
Question 15:
Should compulsory MTPL insurance cover accidents resulting from agricultural, construction, industrial, motor sports or fairground activities?
Question 16:
Should autonomous vehicles continue to be insured for liability to victims of accidents in the same manner as vehicles with drivers?
Question 17:
Do you have other comments related to technological evolution?
Question 18:
If you have purchased a vehicle in another Member State, did you experience any problems in obtaining MTPL insurance for the purpose of bringing your vehicle back home?
Question 19:
Should the current legal framework applicable for dispatched vehicles be modified in any manner? Please specify how.
Question 20:
Are there any other issues not falling within the remit of the above questions that might require action at EU level you wish to raise? What would be your preferred solution to the identified issue?
Question 1:
Do you consider that the number of uninsured vehicles is problematic in your Member State? What are in your view the reasons for uninsured driving?
Question 2:
Do you consider that measures are needed at European level to reduce the levels of uninsured driving? If yes, what could those measures be?
Question 3:
Do you consider that the five-year period of the claims history statements is sufficient? If not, what should be the period for such statements: seven, ten, fifteen years?
Question 4:
Should the format of claims history statements be standardised in the EU?
Question 5:
Should insurers be obliged to take into account a claims history statement from a previous insurer (including from another Member State) for the purposes of premium calculation?
Question 6:
Do you (if you are an insurer) take into account claims history statements from other insurers and how? If not, please explain why.
Question 7:
Would an obligation on insurers to make public their policies regarding no claims bonuses and bonus/malus discounts policies contribute to better treatment of policyholders when switching?
Question 8:
Do you have other comments related to the portability of claims history statements?
Question 9:
In cases where an insurer providing insurance cross-border in another Member State becomes insolvent, what is the most appropriate solution in the case of an accident caused by a policyholder of that insolvent insurer?
Please explain which one:
Question 10:
Should injured parties seek compensation from the competent body in the Member State of:
Question 11:
Should EU law provide that in the case of insolvency of the insurer, compensation to the victim must be provided in full?
Question 12:
Do you have other comments related to protection of victims where a cross-border motor insurer is insolvent?
Question 13:
Should the minimum amounts of cover continue to be the same in all EU Member States?
Question 14:
Should the minimum amounts of cover be lower, higher or remain the same compared to what they currently are under MID?
Question 15:
Should MID differentiate between types of vehicles (such as electric bicycles, lorries, tractors, etc.) for the determination of the minimum amounts of cover?
Question 16:
If so, what should be the minimum amounts of cover for those different types of vehicles? Please specify:
Question 17:
Do you have other comments related to minimum amounts of cover?
Question 18:
Should MID permit systematic checks on insurance by electronic means without physically stopping the vehicle?
Question 19:
Should the cross-border exchange of information on number plates and linked insurance policies be improved and/or streamlined between Member States?
Question 20:
Does the current system of determining the Member State where the vehicle is based capture adequately all conceivable situations? If not, please state why.
Question 21:
Do you have other comments related to insurance checks?
Question 22:
Is the protection of visiting victims provided under MID sufficient? Is there a level playing field with the Green Card protection?
Question 23:
Does the functioning of the claims representatives, information centers and compensation bodies need to be improved? If so, how?
Question 24:
Do you have other comments related to claims concerning visiting victims?
Question 25:
Are there any terminology or definition issues in MID that undermine its effective functioning?
Question 26:
If the answer to the previous question is in the affirmative, please state the issues and explain their effect on the protection of victims of traffic accidents.
Question 27:
Should the protection provided under MID include liability for accidents irrespective where they occur, thus both on public roads and private property?
Question 28:
In light of the Vnuk ruling, should it be left to the discretion of individual Member States to exempt certain natural or legal persons, certain public or private vehicles, certain types of vehicles or vehicles bearing special number plates that normally fall under MID, provided that the victims are otherwise compensated? If not, why not and what action should be taken?
Question 29:
What types of vehicles, if any, should be excluded from the scope of MID at EU level?
Question 30:
Should compulsory MTPL insurance cover accidents resulting from agricultural, construction, industrial, motor sports or fairground activities?
Question 31:
Should compulsory MTPL insurance cover accidents that occur on areas that the public are not allowed (legally) to access?
Question 32:
Do you have other comments related to the scope of MID?
Question 33:
Should autonomous vehicles continue be insured for liability to victims of accidents the same way as vehicles with drivers?
Question 34:
Should MID be clarified in any way to reflect the development of autonomous vehicles? If so, please substantiate your answer and explain how.
Question 35:
Do you have other comments related to technological evolution?
Question 36:
Should the current legal framework applicable for dispatched vehicles be modified in any manner? Please specify how
Question 37:
Do you have other comments related to the transfer of vehicles?
Question 38:
Are there any other issues not falling within the remit of the above questions that might require action at EU level you wish to raise? What would be your preferred solution to the identified issue?

Should you wish to provide additional information (e.g. a position paper, report) or raise specific points not covered by the questionnaire, you can upload your additional document(s) here:

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