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Motor

Motor Insurance Directive: fit for the future

In 2018, the European Commission put forward a proposal for a revision of the 2009 Motor Insurance Directive (MID), which has proved to be an efficient instrument for the Europe-wide protection of road users.

Insurance Europe strongly supports the proposed revision’s objectives of increasing the protection for victims of motor vehicle accidents and ensuring motor insurance policyholders are all treated fairly and without discrimination. Insurance Europe is particularly supportive of the Commission’s view that autonomous vehicles fall within the scope of the MID and its proposal to allow new technological developments — such as number-plate recognition — to be used in the fight against uninsured driving.

However, the Commission’s proposals fail to provide enough clarity on the scope of the MID, in the wake of a slew of cases brought to the European Court of Justice following its controversial 2014 Vnuk ruling. In this respect, Insurance Europe calls on the Commission to ensure the scope of the MID is limited to vehicles used in the context of traffic. In addition, the Commission’s proposal to standardise claims history statements at European level is deeply concerning, as it is impractical, involves significant compliance efforts on insurers’ part, without any clear benefits to consumers. It also addresses an issue of which the Commission has only provided anecdotal evidence.

 

Technological advances are moving fast

Meanwhile technological advances provide not only the opportunity to offer consumers new innovative services, but also ways to make road transport safer, cleaner and more efficient. Indeed, connected and automated vehicles, intelligent transport systems— the technology that makes vehicle-to-vehicle communications and traffic infrastructure-to-vehicle communication possible — and telematics devices are changing the way we travel.

In order to foster consumer choice and fair competition, it is essential to ensure all service providers in the automotive value-chain can access the wealth of data generated by these new technologies. Insurance Europe and its members therefore supported the Data4Drivers campaign, which called on EU policymakers to take legislative action to ensure that drivers remain in control of their vehicle data. Click here for more information on the campaign.

Related statistics
Motor claims
Motor claims paid, €bnGrowth rate, %
200790.2
200894.14.3
200997.23.3
201099.42.3
201197.7-1.7
201294.7-3
201393.6-1.1
201489.8-4
201595.46.1
2016102.13.6
Colour#f78f1e#000000
url/node/4311/node/4311
Candlestick

Hover over the bars for each data point, or click on a bar to see motor claims by country data.

Notes:
Nominal €-values at current end-of-year exchange rates
Nominal %-growth at constant end-of-year exchange rates 
Figures are for Domestic Market (business written on home territory by domestic companies, including subsidiaries + 3rd country branches), unless stated otherwise 

For CZ, figures are for total market 
For DE, Gross claims expenditure is reported (i.e. claims paid plus provision for claims) and figures are for Total Market (business written on home territory by domestic companies, including subsidiaries + 3rd country branches + EU/EEA branches + FOS)
For DK and GR, 2015 figures were used for 2016
For RO, GR, and LI: Claims paid figures include Health
For HU, PT and SK, 2016 figures are Solvency II
For SI, only SZZ member companies. Branches are excluded
For UK, 2016 figures are Solvency II, they include "home-foreign" part of P&C business

Size of the sample (as % of total premiums): 99.66%

For more information, see our 2015 report on the European motor insurance markets and its 2016 addendum.

Motor premiums
Motor premiums, €bnGrowth rate, %
2008120.9
2009119.6-1.9
20101231.1
2011126.52.9
2012129.61.3
2013127.1-1.1
2014126.9-0.4
2015131.62.2
2016133.74.2
2017137.14.2
Colour#f78f1e#000000
url/node/4221/node/4221
Candlestick

Hover over the bars for each data point, or click on a bar to see motor premiums by country data.

Notes:
Nominal €-values at current end-of-year exchange rates
Nominal %-growth at constant end-of-year exchange rates 
Figures are for Domestic Market (business written on home territory by domestic companies, including subsidiaries + 3rd country branches), unless stated otherwise 
For national specificities, please, see country breakdown chart
Size of the sample (as % of total premiums): 99.96%

For more information, see our 2015 report on the European motor insurance markets and its 2016 addendum.

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Contacts
Nicolas Jeanmart
Nicolas Jeanmart
Head of personal insurance, general insurance & macroeconomics
Thomas Gelin
Thomas Gelin
Policy advisor, general insurance