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MTPL insurance / Licensing

This document provides an in-depth analysis of the Mandatory Third Party Liability (MTPL) insurance landscape in the Netherlands. It covers key aspects, including licensing, the Dutch Motor Insurance Act, and market statistics from 2007. Highlights include 10.5 million registered vehicles, €2 billion in MTPL premiums, and insights on claims and insurers. The report also examines the operational principles of vehicle registration and the enforcement of insurance obligations, shedding light on the strengths and weaknesses of the current system.

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MTPL insurance / Licensing

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  1. MTPL insurance /Licensing a Dutch perspective…..

  2. Programme • Introduction • Licensing in NL • Dutch Motor Insurance Act • Some conclusions

  3. Dutch MTPL market (2007) • 10,500,000 registered vehicles • 2,000,000,000 EUR MTPL premium • 500,000 MTPL claims • 110 MTPL insurers

  4. Dutch Guarantee Fund (2007) • 70 fte • 60,000 claims • + 57,500 unidentified • + 2,500 uninsured • 1,600 bodily injury claims • 62,000,000 Euro • € 7 per registered motor vehicle

  5. Nederlands Bureau(2007) • 7 fte • 30,000 requests for information • 400 claims NL vehicles abroad • 700 claims foreign vehicles in NL • € 0,60 per motor vehicle

  6. RDW*The Department of Road Transport • Licensing • Tax • Insurance • Tracing / enforcement • Type approval • Technical inspection • www.rdw.nl (annual report, 1500 fte)

  7. Principles • Vehicle based (from cradle to grave…) • Holdership (not: user) • Almost all vehicles including: trailers > 750 kg mopeds / scooters not (yet): agricultural

  8. In practice • 25.000 changes every day • Linked with population register • 800 postoffices / 2500 car dealers • Suspension under strict rules • Deregistration: export or demolition procedure

  9. Motor insurance act • Art 2: obligation of holder, unless… • Art 12: change of owner • Art 13: obligations insurer: report (<28 days) deregister 16 days extension! • Art 18/19: exemptions

  10. Weaknesses • 28 days for insurers • % enforcement (floating data) • No free access • Special plates (export)

  11. Strength • Up to date • Reliable • Integrated / Efficient • Fraud protecion

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