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Green Card System Basic rules

The Green Card System aims to facilitate international road traffic and ensure victim protection. Established in 1953, it operates under strict financial guarantees and criteria to manage uninsured driving risks. With 750 million people and 350 million vehicles in Europe, road accidents cause significant casualties, highlighting the need for effective monitoring and mutual trust among insurers. The report addresses the system’s objectives, statistical data, financial implications, and the importance of cooperation in reducing fraud and ensuring victims receive necessary support across borders.

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Green Card System Basic rules

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  1. GreenCard System Basic rules Mariusz W. Wichtowski Baku 4.07.12

  2. Key terms • Protection • Trust • Uninsured driving • Monitoring • Financial Guarantee Criteria • Fraud

  3. Do we remember? • Paradox with consequences • Recomendation No 5 1949

  4. Council of Bureaux • Non political organization • Technical aspects only • Since 1 January 1953 • Facilitator of international road traffic and victim’s protection

  5. Objectives • Free flow of cross border traffic • Guarantee to victims

  6. Some statistics • Members of the GC System 46 • Multilateral Agreement 33 • GC basis 13

  7. Some statistics • Population of Europe 750 million • No of vehilcles 350 million • EU yearly died 50.000 • EU yearly injured 150.000

  8. Green Card Claims • 2010 381.353 • 2009 345.746 • 2005 342.963 • 2000 337.361 • 1999 291.730

  9. Green Card Claims

  10. Green Card Claims over 1,7 billion Euro/ year

  11. Mutual trust • Basis of the GC System • Pay – Cry – Dispute • Close cooperation • Stress on insurers • Consequence – on all market

  12. How to becomea member? • National Bureau • MTPL law • Financial guaranties • Undertaking to UN

  13. How to becomea member? • Transitional member • Period 10 years • Financial guaranties • Monitoring

  14. Important bodies • Bureaux • Agents • Correspondents

  15. Competence of the Bureau Handling Bureau: • Claims settlement in the country where accident happened • According to legal system of that country • Independent of position of the guaranteeing Bureau Guaranting Bureau: • Reimbursement of outlays • Guarantee function

  16. Financial aspects • Sufficient financing • Difference of the economiclevel in individual regions • Law of the country of accidentdetermines minimum amounts insured and compensation

  17. Financial aspects Selby Train Crash (UK) Damage: about 50 million Euro / 10 persons killed Herborn (D): Damage: about 8 million Euro Mont-Blanc Tunnel (FR) Damage: about 464 million Euro / 39 persons killed Gotthard-Tunnel (CH) Damage: about 14 million Euro / 11 persons killed

  18. Mutual trust • Basis of the GC System • Pay – Cry – Dispute • Close cooperation • Stress on insurers • Consequence – on all market

  19. Monitoring Subjects of the monitoring: ► new applicants ► transitional members ► full members

  20. Forms of Monitoring ► monitoring ► preparing of the Financial Criteria ► checking of the financial standing ► assistance ► dealing with complains ► reporting to the Man Com

  21. Financial Guarantees Criteria • Why we need it? • Applicability of the Criteria • Period of validity

  22. Financial Guarantees Criteria • For CoB members only • Type of financial guarantees • Standard of the security • Bank guarantee • Reisurance program

  23. Sanctions ► obligatory monitoring ► financial guarantees ► financial penalties ► temporary suspention ► termination of membership

  24. What about scope? Do we know where are the borders of Europe? and What means border in our days?

  25. Are we all protected? • We all? • At the same level? • Are we statisfied with existing level of the protection?

  26. Aims for the future • Equal rights for the road users • Real guaranties for victims • One aim different methods • Any common solution?

  27. Thank you very much for your kind attention

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