Pregatirea profesionala in brokerajul de asigurari

1. Pregatirea profesionala in brokerajul de asigurari Florian Gaba FIAR 2012

2. Agenda • Situatia actuala din piata • Eficientizareaprocesului de invatare • Perspective de dezvoltare

3. Situatia actuala din piata Pregatireprofesionala conform normelor CSA Graficcursanti/cursuriabsolvite Graficcursantitrimisi de brokeri/ cursantitrimisi de asiguratori Graficpiatafurnizori.

4. Situatia actuala din piata Altecursuri de pregatireprofesionalacerute de brokerii de asigurare din piata Produse de asigurare(CMR, Bunuri, Riscurifinanciare) Managementulriscului Constatareadaunelor auto Tehnici de interactiune cu clientii in brokerajul de asigurari Cursuri de vanzari Cursuri de formatori

5. Eficientizareaprocesului de invatare 1. Continut(Cum arata un curs pentruintermediari in Marea Britanie) 2. Prezentareacontinutului - la sala - E-learning (peste 90 % din cei care au luatexamenul de autorizare IMA/CSA)

6. Module 1Personal Lines General Insurance Training Course 6

7. The Principle of Insurance The accumulation of a fund, made up of premiums paid by the many, from which the unfortunate few, who suffer losses, are paid. 7

8. The principle of Insurancedepends on the fact that … • Not all members of the fund willhave claims • Those that do willnot have totallosses 8

9. The Concept of Risk All human activity is a venture in uncertainty 9

10. Risk is ….. • the possibility of an unfortunate occurrence • unpredictable • uncertain as to the extent of loss • the possibility of loss The possible happening of a fortuitous event which may produce a loss 10

11. Reinsurance The insurer insures part of the risk with a reinsurance company The insurer’s insurable interest is the financial loss they will suffer in the event of a claim by the insured Reinsurance enables the insurer to accept a larger amount of a risk than would otherwise be prudent The insured is usually unaware of the existence of reinsurance 11

12. Insurable Interest The legal right to insure arising out of a financial relationship recognised in law, between the insured and thesubject matter of the insurance 12

13. Indemnity The promise to place the insured in the same financial position after the loss as he/she enjoyed immediately before its occurrence No better - No worse 13

14. The Insurance Market The Intermediary Insurance Broker The Insurance Intermediary Agents Tied Agents Lloyds Brokers 14

15. The Broker Insurance Broker Agent Tied Agent Must have more than 5 agencies Must have no more than 4 agencies Insurance Intermediaries Represents one insurer only May be either May be either May be either Authorised Adviser Multi Agency Intermediary Self-employed or or or Employed by insurer Multi Agency Intermediary Restricted Activity Investment Product Intermediary or Restricted Activity Investment Product Intermediary or Cash Handler 15

16. An independent professional adviser operating legally as an agent The Role of the Broker Duties of an Agent • Obedience • Personal Performance • Due Care & Skill • Good Faith • Accountability Agent of the Insured • Giving advice • Arranging insurances • Claims assistance Agent of the Insurer • Handling proposals • Confirming cover • Survey & Risk Management • Collection of premiums Duties of a Principal • Remuneration • Indemnity 16

17. Registration number Make, model, type Engine size Year of manufacture Value Address where vehicle is kept Is proposer owner? Has vehicle been altered Details of trailers Hire purchase The Motor Car Proposal 1 Details of the Vehicle 17

18. Full names of drivers Dates of birth Occupations Full or provisional licence? Any disease or physical infirmity Actual or pending convictions Details of accidents The Motor Car Proposal 2 Details of the Drivers 18

19. Driving Other Cars Extension Allows driving by the insured of a vehicle owned by another person BUT the cover is Third Party Only Irrespective of the cover provided by the policy N.B. N.B. 19

20. Travel Insurance Lesson 1 – Introduction Personal Accident Personal Effects Baggage Medical Expenses Repatriation costs Property cover Accident Benefits Additional Expenses Hospitalisation Money Homecare Dental costs Personal Liability Cancellation Curtailment Pecuniary cover Liability cover Missed Departure Delay Hijack Abandonment Legal Expenses Catastrophe 20

21. Insurance is about paying claims Best tell the broker Without claims the insurer wouldn’t be in business 21

22. E-learning in domeniulasigurarilor Costuri de accesaremici(pentru un numar mare de cursanti) Flexibilitate (oricand/oriunde) Abilitati de utilizare a computerului Relativa "dezumanizare" a cursurilor. (Lipsainteractiuniicursant/lector) Solutie “Blended learning”

23. Model E-learning Film de 3 minute (inserat direct in prezentare). Colegiimeilucreaza la el. Ideea e saaratam cum se foloseste e-learning-ul pas cu pas. Nu vom da nume de produse, de companii etc. Se vabazaexclusivpeideea de model, asa cum apare la nivel international. Acestfilmuletvaaveasisonor. In acest context credeticaesteviabilsa-l punem?

24. Perspective de dezvoltare Care estetrenduleuropean cu privire la pregatireabrokerilor de asigurare? Care vor fi temeleabordate in perioada de dupa “primulval” de pregatire? Care suntprogramele de pregatireprofesionala de interespentrubrokerii de asigurare?

25. Multumesc!