Direct P.W.Y.W.
Transcript
Direct P.W.Y.W.
TERRITORIUM BROKERAGE 10, rue de Penthièvre 75008 Paris, France Union Europeene Phone: +33.(0)1.82.52.22.73 URL: ww.territoriumbrokerge.com E-mail: [email protected] 2015 YW W P ice r p Free risk management alternatives in Europe 14 Guarantee Funds of the European Union Paris, September 1st 2015 Available Versions:: Français English : TERRITORIUM BROKERAGE is a Paris based enterprise advising on Risk Management, Risk Management Strategies, Risk Management Plans, Financial Management, Business Analysis, Business Planing. It is registered with the Registre du Commerce et des Sociétés number 803 625 177 R.C.S. Paris. Copyright @ TERRITORIUM BROKERAGE 2015 All rights reserved. P.W.Y.W. - Pay-What-You-Want. price. Direct download from the URL:. www.territoriumbrokerage.com. Special distribution permissions will be available on volume downloads. 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Note on advisory: TERRITORIUM BROKERAGE may be contacted regarding advising on Risk Management, Risk Management Strategies, Risk Management Plans, Financial Management, Business Analysis and Business Planing. Note on languages: TERRITORIUM BROKERAGE may be contacted regarding versions of Free risk management alternatives in Europe in other languages. Credits: SIL Font Licence. The illustration from the first page is a special, exclusive version of the famous "Travelilng by car Famous monuments of Europe". of Mr. Vadim Giorgiev. Mr. Vadim Giorgiev is a prolific illustrator/photographer with an online portfolio of over 1000 illustrations. Acknowledgments: Special acknowledgments are given to the contacts of Guarantee Funds for the assistance received.. Printed in Paris, France, European Union. Publisher’s Cataloging-in-Publication data Free risk management alternatives in Europe : 14 Guarantee Funds of the European Union. 30p. ISSN 2431-2657 01. 1. The main category of the suite —Risk Management 2. Another subject category — Guarantee Funds of the European Union. 3. More categories —And their modifiers. I. Pusca Ionel, MBA, MS. II. Free risk management alternatives in Europe. First Edition 13 12 11 10 / 10 9 8 7 6 5 4 3 2 1 Language Version: English Date: September 1st, 2015 Page 3 Free risk management alternatives in Europe 14 Guarantee Funds of the European Union Page 4 Payment September 1st, 2015 Payment The price is PWYW (Pay What You Want), permission is granted to send an optional payment amount for any commercial or noncommercial use of this publication. The payment is expected with 30 days of downloading or of obtaining this publication. You may send the payment: by Check signed to TERRITORIUM BROKERAGE 10, rue de Penthièvre Paris, France European Union by PayPal to the address [email protected] by Credit/Debit Card: please fill out and mail the Credit/Debit Authorization form at page 25 by Bank Transfer: please fill out and mail the Bank Transfer Authorization form at page 27 Special distribution permissions are available on quantity purchases. For details, please contact the Publishing Coordinator, the contact information is: Publishing Coordinator TERRITORIUM BROKERAGE 10, rue de Penthièvre Paris, France European Union [email protected] www.territoriumbrokerage.eu +33.(0)1.82.52.22.73 Page 5 Free risk management alternatives in Europe Table of Contents 14 Guarantee Funds of the European Union Table of Contents Directive 2009/103/EC ___________________________________ of the European Parliament and of the Council of 16 September 2009 relating to insurance against civil liability in respect of the use of motor vehicles, and the enforcement of the obligation to insure against such liability _____________________________________________________ France ______________________________________________________ 8 8 13 Commission d'Indemnisation des Victimes d'Infractions - The Commission for Crime Victims Compensation ____________________ 13 Fondation d'Aide aux Victimes du Terrorisme – Terrorism Victims Assistance Fund _____________________________________________ 13 Germany __________________________________________________ 14 Gesetz über die Entschädigung für Opfer von Gewalttaten - The Crime Victims' Compensation Act _____________________________________ 14 Italy _________________________________________________________ 15 Fondo di Garanzia per le Vittime della Strada -The Guarantee Fund for the Traffic Victims _____________________________________________ 15 Fondo di rotazione per la solidarietà alle vittime dei reati di tipo mafioso, delle richieste estorsive e dell'usura - Revolving fund for Solidarity with the victims of Mafia-type crimes, of extortion and of usury _______________ 16 Fondo Fallimenti Immobiliari - Fondo di Solidarietà per i mutui per l’acquisto della prima casa - Home-Loan Delinquency Guarantee Fund 16 Fondo di Garanzia per le Vittime della Caccia - The Guarantee Fund for Hunting Victims ______________________________________________ 17 Fondo di Garanzia per i Mediatori di Assicurazione e Riassicurazione (Fondo "Brokers") - The Guarantee Fund for the Insurance and Reinsurance 17 Intermediaries (“Brokers” Fund) ________________________ Page 6 Table of Contents September 1st, 2015 Netherlands ________________________________________________ Wet Schadefonds Geweldsmisdri jven - The Violent Offenses Compensation Fund __________________________________________ Spain________________________________________________________ 19 19 20 La Cobertura de los Riesgos Extraordinarios - The Extraordinary Risks Cover 20 _____________________________________________________ Sweden ___________________________________________________ 21 Brottsoffermyndigheten - Crime Victim Compensation and Support Authority 21 ____________________________________________________ UK ___________________________________________________________ 22 The Criminal Injuries Compensation Authority (CICA) ________________ 22 The Hardship Fund ___________________________________________ 22 Page 7 Free risk management alternatives in Europe Directive 2009/103/EC 14 Guarantee Funds of the European Union Directive 2009/103/EC of the European Parliament and of the Council of 16 September 2009 relating to insurance against civil liability in respect of the use of motor vehicles, and the enforcement of the obligation to insure against such liability. The Directive 2009/103/EC of the European Parliament and of the Council of 16 September 2009 relating to insurance against civil liability in respect of the use of motor vehicles, and the enforcement of the obligation to insure against such liability requires all Member States to set up or authorize a body with the task of providing compensation to both damage to property and personal injuries when the insurance undertaking cannot be identified, for instance for damage caused by an unidentified vehicle, or when the insurance undertaking cannot be satisfied. The minimum amounts covered by the compulsory liability policy for personal injury are EUR 1 000 000 per victim or EUR 5 000 000 per claim, whatever the number of victims, and for property damage, EUR 1 000 000 per claim, whatever the number of victims. The directive also states the compensation for non insured parties victims of an accident in which a motor vehicle is involved. Thus pedestrians, cyclist, and other non-mortised users of the road , if they are holders of the compulsory policy against civil liability in respect of the use of motor vehicles, are still eligible of indemnities for personal injuries and damage to property. The following table lists the Motor Vehicles Compensation Bureaus of the European Union Member States, - as available through The Council of Bureaux, the Managing Organization of the Green Card System and of the Motor Insurance Directives and through the National Contact Points list available at Insurance Europe, the European (re)insurance Federation, - and the Member States Legal Framework according to the references available from the Member States Motor Vehicle Compensation Bureaus and from the statutory laws of the European Union Member States. European Union Member State Austria Motor Vehicles Compensation Bureau Verband der Versicherungs-unternehmen Österreichs Schwarzenbergplatz 7 1030 Wien Legal Framework Verkehrsopfer-Entschädigungsgesetz VOEG) (Kraftfahrrechts-Änderungsgesetz 2007 - KrÄG 2007 Phone: +43/1/71 56-0 Fax: +43/1/711 56-270 E-mail: [email protected] URL: www.vvo.at Belgium Belgian Motor Insurance Bureau (B.B.A.A/B.B.AV) Rue de la Charité, 33 bte 2 BE-1210 Bruxelles Arrêté royal du 12 avril 2004 octroyant l’agrément au Fonds commun de Garantie automobile et au Bureau belge des Assureurs automobiles., entré en vigueur 30 avril 2004 Phone: +32 2/287.18.11 Fax: +32 2/287.18.00 Loi du 21 novembre 1989 relative à l'assurance obligatoire de la responsabilité en matière de véhicules automoteurs (Moniteur 8 décembre 1989 , en vigueur 6 mai 1991) E-mail: [email protected] URL: www.bbaa-bbav.be Page 8 Directive 2009/103/EC Bulgaria Guarantee Fund 2 Graf Ignatiev Str. 4th floor Sofia 1000 Insurance code Regulation No. 49 dated 16 October 2014 on the compulsory insurance Phone: +359 /2/ 980 30 49 +359 /2/ 980 66 72 Fax: +359 /2/ 980 30 48 +359 /2/ 9 800 360 Regulation No. Ів-991/ 03.07.2006 on the forms and the way of exchanging information and interface between the Information Center on the Third Party Liability Insurance of Motorists and obligatory Accident Insurance for the passengers in the Republic of Bulgaria, the Ministry of Internal Affairs and the Ministry of Transport. Regulation on the Guarantee Fund Organization and Operation. E-mail: [email protected] [email protected] URL: www.guaranteefund.bg Cyprus Motor Insurer's Fund of Cyprus (MIF) 23 Zenon Sozos Street Nicosia 1075 Cyprus Phone: +357 22 763913 Fax: +357 22 761007 Μηχανοκίνητων Οχημάτων (Ασφάλιση Ευθύνης έναντι Τρίτου) Νόμου, Ν.96(Ι)/2000 - Motor Vehicles (Third Party Insurance) Law 96 (I) / 2000 Email: [email protected] URL: www.mif.org.cy Croatia Hrvatski ured za osiguranje Martićeva 73 HR - 10000 Zagreb Zakon o osiguranju. NN 30/15 na snazi djelomično od 01.04.2015., au ci jelosti od 01.01.2016. Phone: +385 1 46 96 600 Fax: +385 1 46 96 660 E- mail: [email protected] URL: www.huo.hr Czech Republic Česká kancelář pojistitelů Na Pankráci 1724/129 140 00 Praha 4 Zákon č. 168/1999 Sb., o pojištění odpovědnosti z provozu vozidla Vyhláška Ministerstva financí č. 205/1999 Sb., kterou se provádí zákon č.168/1999 Sb., o pojištění odpovědnosti z provozu vozidla Phone: +420 221 413 111 +420 221 413 660 Fax: +420 221 413 760 Denmark E-mail: [email protected] - General questions [email protected] - Reporting new claims URL: www.ckp.cz Zákon č. 277/2009 Sb., o pojišťovnictví Dansk Forening for International Motorkøretøjsforsikring (DFIM) Philip Heymans Allé 1 2900 Hellerup BEK nr 579 af 06/06/2007 Gældende Offentliggørelsesdato: 08-06-2007 Justitsministeriet Phone:+45 41 91 91 91 Fax: +45 41 91 91 92 LBK nr 1386 af 11/12/2013 Gældende (Færdselsloven) Offentliggørelsesdato: 1312-2013 Justitsministeriet E-mail: [email protected] URL: www.dfim.dk Finland Liikennevakuutuskeskus Bulevardi 28 00120 Helsinki Zákon č. 89/2012, Občanský zákoník Liikennevakuutuslaki 279/1959 Phone: +358 40 450 45 20 Fax: +35840 450 4698 E-mail: [email protected] URL: www.lvk.fi/en/compensation-for-accidents Page 9 Free risk management alternatives in Europe Directive 2009/103/EC 14 Guarantee Funds of the European Union France FGAO Fonds de garantie des assurances obligatoires de dommages 64 rue Defrance 94682 Vincennes cedex Phone: +33 1 43 98 77 00 Télécopie: +33 1 43 65 66 99 Décret n°2004-655 du 5 juillet 2004 abrogeant le décret n° 85-275 du 22 février 1985 et portant approbation des statuts du fonds de garantie des assurances obligatoires de dommages. NOR: ECOT0491219D Version consolidée au 6 juillet 2004 E-mail: (form) www.fondsdegarantie.fr/nous-contacter URL: www.fondsdegarantie.fr/fonctionnement#fgao Germany Verkehrsopferhilfe e. V. Wilhelmstr. 43 / 43 G D - 10117 Berlin Gesetz über die Pflichtversicherung für Kraftfahrzeughalter (Pflichtversicherungsgesetz) Pflichtversicherungsgesetz vom 5. April 1965 (BGBl. I S. 213), das durch Artikel 493 der Verordnung vom 31. August 2015 (BGBl. I S. 1474) Information: 0800-250 26 00 Phone: +49 30 20 20 5858 Fax: +49 30 20 20 5722 E- mail: [email protected] URL: www.verkehrsopferhilfe.de/entschaedigungsstelle.html Greece The Motor Insurers’ Bureau (M.I.B.) Address: 9, Xenophontos st. 10557 Athens Law 489/76 (OGG [Official Government Gazette] Α331) - Νόμο 489/76 (ΦΕΚ. Α331) Phone: +30 210 3223324 +30 210 3238402 Fax: +30 210 3238370 E-mail: [email protected] [email protected] URL: www.mib-hellas.gr Hungary ESZE Motor Insurance Bureau Elkülönített Szervezeti Egység, former MABISZ GKI H-1062 Budapest, Aradi u. 65-67. Postal Address: ESZE H-1381 Budapest 62., P.O.B. 1297 2009. évi LXII. Törvény a kötelező gépjármű-felelősségbiztosításról Phone: +36 1 802-8400 Fax:: +36 1 802-8499 Email: [email protected] [email protected] - Claim Report URL: www.mabisz.hu Ireland The Motor Insurers’ Bureau of Ireland (MIBI) 5 Harbourmaster Place IFSC, Dublin 1 Agreement dated 29th January 2009 between the Minister for Transport and the Motor Insurers Phone: +353 1 676 9944 Fax: +353 1 676 1108 Number 24 of 1961, ROAD TRAFFIC ACT, 1961. Email: [email protected] URL: www.mibi.ie Italy Organismo di Indennizzo Italiano (O.D.I.) CONSAP S.p.A. Via Yser, 14, 00198 Roma Phone: +39 06/85.796.444 Fax: +39 06/84.18.231 PEC: [email protected] E-Mail: [email protected] URL: www.consap.it/fondi-e-attivita/mondoassicurativo/organismo-di-indennizzo-italiano Page 10 Decreto Legislativo 30 giugno 2003, n. 190 pubblicato nella Gazzetta Ufficiale n. 171 del 25-07-2003 Attuazione della direttiva 2000/26/CE in materia di assicurazione della responsabilità civile risultante dalla circolazione di autoveicoli, che modifica anche le direttive 73/239/CEE e88/357/CEE Directive 2009/103/EC Latvia September 1st, 2015 Latvi jas Transportlīdzekļu apdrošinātāju birojs Lomonosova str. 9, Riga LV – 1019 Phone: +371 67114300 Fax: +371 67114333 E-mail: [email protected] URL: www.ltab.lv Lithuania Lietuvos Respublikos transporto priemonių draudikų biuras Algirdo g. 38 LT-03606 Vilnius Phone: +370 8 (5) 216 2860 Fax: +370 8 (5) 216 2859 Sauszemes transportlīdzekļu īpašnieku civiltiesiskās atbildības obligātās apdrošināšanas likums. Publicēts: "Latvi jas Vēstnesis" , 65 (3013), 27.04.2004., "Ziņotājs", 10, 29.04.2004. Ceļu satiksmes likums. Publicēts: "Latvi jas Vēstnesis", 274/276 (989/991), 21.10.1997., "Ziņotājs", 22, 27.11.1997 Lietuvos Respublikos transporto priemonių valdytojų civilinės atsakomybės privalomojo draudimo įstatymas Nr. IX2041, 2004-03-05, Žin., 2004, Nr. 461498 (2004-03-27) E-mail: [email protected] URL: www.cab.lt Luxembourg Bureau luxembourgeois contre les accidentds d'automobile A.S.B.L B.P. 448 L-2014 Luxembourg Loi du 16 avril 2003 relative à l'assurance obligatoire de la responsabilité civile en matière de véhicules automoteurs Phone: +352 45 73 04 Fax: +352 26 31 04 24 E-mail: [email protected] URL: www.bureau-luxembourgeois.lu Malta Motor Insurers' Bureau 43A/4 St. Paul's Buildings West Street Valletta VLT 1532 MOTOR VEHICLES INSURANCE (THIRDPARTY RISKS) ORDINANCE. ORDINANCE XXXVI of 1939, with amendments. Phone: +356 21238253 Fax: +356 21248388 E-mail: [email protected] URL: maltainsurance.org/service/mib/ Netherlands Nederlands Bureau Motorri jtuigverzekeraars Handelskade 49 2288 BA RIJSWIJK Mailing Address: PO Box 3003 2280 MG RIJSWIJK BWBR0028254 Wet aansprakeli jkheidsverzekering motorri jtuigen BES Phone: +31 (0)70 3408 200 +31 (0)70 3408280 Fax. +31 (0)70 3408 201 +31 (0)70 3408284 E-mail: [email protected] [email protected] URL: www.nlbureau.nl www.wbf.nl Poland Polskie Biuro Ubezpieczycieli Komunikacy jnych ul. Świętokrzyska 14 00-050 Warszawa Phone:+48 (22) 551 51 00 Management: +48 (22) 551 51 01 Fax:+48 (22) 551 51 99 E-mail: [email protected] URL: www.pbuk.pl Page 11 Dz.U. 2003 nr 124 poz. 1152 Ustawa z dnia 22 maja 2003 r. O ubezpieczeniach obowiązkowych, Ubezpieczeniowym Funduszu Gwarancy jnym i Polskim Biurze Ubezpieczycieli Komunikacy jn Free risk management alternatives in Europe Directive 2009/103/EC 14 Guarantee Funds of the European Union Portugal Fundo de Garantia Automóvel Av. Da República, 59 - 4º 1050-189 Lisboa Decreto-Lei nº 291/2007, de 21 de agosto Declaração de Retificação n.º 96/2007, de 15 de outubro Phone: 808 78 88 78 Fax: +351 21 796 56 02 Portaria n.º 377/2008, de 26 de maio Email: [email protected] URL: www.asf.com.pt Portaria n.º 679/2009, de 2 de junho Decreto-Lei n.º 72/2008, de 16 de abril Romania Fondul de Protectie a Victimelor Strazii O.P. 37 – C.P. 145 Bucuresti, Romania Phone: +40 21 300 18 80 +40 31 805 34 06 +40 31 805 34 07 Fax: +40 21 312 31 82 Ordin nr. 13/2008 din data de 16.09.2008 pentru modificarea Normelor privind Fondul de protecţie a victimelor străzii, puse în aplicare prin Ordinul preşedintelui Comisiei de Supraveghere a Asigurărilor nr. 1/2008, publicat în Monitorul Oficial, Partea I nr. 686 din 08/10/2008 E-mail: [email protected] URL: www.fpvs.ro Slovakia Slovenská Kancelária poist'ovatel'ov Trnavská cesta 82 826 58 Bratislava 29 Slovenská republika Phone: +421–2–444 55 452–5 Fax: +421–2–444 41 632 E-mail: [email protected] URL: www.skp.sk Slovenia Ordin nr. 1/2008 din 04.03.2008 pentru punerea in aplicare a Normelor privind Fondul de protectie a victimelor strazii, publicat in Monitorul Oficial, Partea I, nr. 287 din 14 aprilie 2008 Slovensko zavarovalno združenje Železna cesta 14 SI-1000 Ljubl jana, Sloveni ja Phone:: +386 1 473 56 99 Fax.:+386 1 473 56 92 Zákon č. 381/2001 Z.z. O povinnom zmluvnom poistení zodpovednosti za škodu spôsobenú prevádzkou motorového vozidla v znení neskorších predpisov Zbierka zákonov č. 8/2008, zákon o poisťovníctve a o zmene a doplnení niektorých zákonov znení neskorších predpisov ZAKON O ZAVAROVALNIŠTVU uradno prečiščeno besedilo (ZZavar-UPB70) Zakon o obveznih zavarovanjih v prometu (ZOZP) E-mail: [email protected] URL: www.zav-zdruzenje.si Sweden Trafikförsäkringsföreningen Mailing Address: Box 24035, 104 50 Stockholm Karlavägen 108, Stockholm Phone: +46 8-522 782 00 Fax: +46 8 661 09 56 Trafikskadelag (1975:1410). SFS 1975:1410. Källa Regeringskansliets rättsdatabaser. Utfärdad: 1975-12-15. Omtryck: SFS 1994:43. Senast ändrad: 2015-01-23. Uppdaterad: t.o.m. SFS 2014:609 E-mail: [email protected] URL: www.tff.se United Kindgom Motor Insurers' Bureau Linford Wood House 6-12 Capital Drive Linford Wood, Milton Keynes MK14 6XT Phone: +44 1908 830 001 Fax: +44 1908 230221 Email: [email protected] URL: www.mib.org.uk www.askmid.com Page 12 Road Traffic Act 1988 2003 No. 37 ROAD TRAFFIC. The Motor Vehicles (Compulsory Insurance) (Information Centre and Compensation Body) Regulations 2003 Made on 10th January 2003, Laid before Parliament on 13th January 2003, Coming into force on 19th January 2003 France September 1st, 2015 France Besides the Guarantee Fund for the Traffic Victims, France legislates several guarantee funds which provide additional compensations for damages to victims of crimes. The guarantee funds considered are the Commission d'Indemnisation des Victimes d'Infractions, CIVI and the Fondation d'Aide aux Victimes du Terrorisme – Terrorism Victims Assistance Fund. Commission d'Indemnisation des Victimes d'Infractions - The Commission for Crime Victims Compensation Name Commission d'Indemnisation des Victimes d'Infractions - The Commission for Crime Victims Compensation Objective The Commission for Crime Victims Compensation compensates for damages when they may not be recovered from the perpetrator or from the culprit or from other organizations Information: Ministère de la Justice et des Libertés Service de l’accès au droit et à la Justice et de l’aide au victimes 13, place Vendôme 75001 Paris Contact The CIVI claims should be sent in writing to the CIVI location closest to the domicile or to the court. References, Laws. Code de procédure pénale - Article 706-4 Ministère de la Justice et des Libertés, Droits et Dtémarches, http://www.vos-droits.justice.gouv.fr/indemnisation-du-prejudice11940/indemnisation-par-le-tribunal-11949/la-commission-dindemnisation-des-victimes-dinfraction-20242.html Fondation d'Aide aux Victimes du Terrorisme – Terrorism Victims Assistance Fund Name Objective Contact Fondation d'Aide aux Victimes du Terrorisme – Terrorism Victims Assistance Fund Finance all projects or operations to prepare or to implement assistance to victims of terrorism or to beneficiaries thereof. FAVT - Fondation d’Aide aux Victimes du Terrorisme Sous l’égide de la Fondation de France 40 avenue Hoche 75008 Paris http://www.favt.fr References, Laws. Fondation de France - http://www.fondationdefrance.org/La-Fondation-de-France/Fonds-et-fondations-sous-egide/Toutesles-fondations/Aide-aux-victimes-du-terrorisme Page 13 Free risk management alternatives in Europe Germany 14 Guarantee Funds of the European Union Germany Besides the guarantee fund for the traff ic victims of Verkehrsopferhilfe e. V., Germany legislates Der Gesetz über die Entschädigung für Opfer von Gewalttaten - The Crime Victims' Compensation Act to provide additional compensation to victims of crimes. Der Gesetz über die Entschädigung für Opfer von Gewalttaten - The Crime Victims' Compensation Act Name Objective Contact Der Gesetz über die Entschädigung für Opfer von Gewalttaten - The Crime Victims' Compensation Act Der Gesetz über die Entschädigung für Opfer von Gewalttaten - The Crime Victims' Compensation Act provides additional compensation to victims of crimes Bundesministerium für Arbeit und Soziales Referat Vb2 Rochusstraße 1 53123 Bonn Phone: (49 228) 99527 - 2383 or - 2680 Fax: (49 228) 99527 – 4134 E-Mail: [email protected] http://www.bmas.de/EN/Our-Topics/Social-Security/outline-german-legislationcompensation-victims-violent-crimes.html References, Laws. Crime victims Compensation Act as promulgated on 7 January 1985 (Federal Law Gazette IS. 1), last amended by Article 1 of the Act of 25 June 2009 (Federal Law Gazette I p. 1580) - http://www.gesetze-iminternet.de/englisch_oeg/englisch_oeg.html Page 14 Italy September 1st, 2015 Italy The guarantee funds for traffic victims of the Concessionaria servizi assicurativi pubblici SpA is the Fondo di Garanzia per le Vittime della Strada.. The other guarantee funds considered are the Fondo di rotazione per la solidarietà alle vittime dei reati di tipo maf ioso, delle richieste estorsive e dell'usura Revolving fund for Solidarity with the victims of Mafia-type crimes, of extortion and of usury, Fondo Fallimenti Immobiliari - Fondo di Solidarietà per i mutui per l’acquisto della prima casa - Home-Loan Delinquency Guarantee Fund, Fondo di Garanzia per le Vittime della Caccia - The Guarantee Fund for Hunting Victims, and Fondo di Garanzia per i Mediatori di Assicurazione e Riassicurazione (Fondo "Brokers") - The Guarantee Fund for the Insurance and Reinsurance Intermediaries (“Brokers” Fund). Fondo di Garanzia per le Vittime della Strada -The Guarantee Fund for the Traffic Victims Name Objective Contact Fondo di Garanzia per le Vittime della Strada -The Guarantee Fund for Traffic Victims The Guarantee Fund for Traffic Victims set up within the Concessionaria servizi assicurativi pubblici SpA, provides compensation for damages of traffic victims not compensated by the compulsory liability policy 06.85796444 Monday to Friday from 9:00 to 17:00 Consap Spa Management FGVS Via Yser, 14 Rome E-Mail: [email protected] Fax: 06.8411844 Information on claims management: [email protected] Fax: 06.85796416 Information on recoveries by Equitalia: [email protected] Fax: 06.85796318 http://www.consap.it/fondi-e-attivita/mondo-assicurativo/fondo-di-garanzia-per-levittime-della-strada References, Laws. Decreto n. 98 del 28 aprile 2008 del Ministro dello Sviluppo Economico Page 15 Free risk management alternatives in Europe 14 Guarantee Funds of the European Union Fondo di rotazione per la solidarietà alle vittime dei reati di tipo mafioso, delle richieste estorsive e dell'usura - Revolving fund for Solidarity with the victims of Mafia-type crimes, of extortion and of usury Name Objective Contact Fondo di rotazione per la solidarietà alle vittime dei reati di tipo mafioso, delle richieste estorsive e dell'usura - Revolving fund for Solidarity with the victims of Mafia-type crimes, of extortion and of usury The fund provides compensation for damages to the victims of Mafia-type crimes and a no interest loan to the victims of extortion and usury 06.85796.299 Monday to Thursday, 9.30 to 13 and 15 to 16.30 Friday 9.30 to 13 PEC: [email protected] (utilizzabile solo da altra PEC) Fax: 06.85796419 E-Mail: [email protected] Consap Spa, Dipartimento Fondi di Solidarietà Via Yser, 14 00198 Roma References, Laws. LEGGE 26 febbraio 2011, n. 10 Conversione in legge, con modif icazioni, del decreto-legge 29 dicembre 2010, n. 225, recante proroga di termini previsti da disposizioni legislative e di interventi urgenti in materia tributaria e di sostegno alle imprese e alle famiglie. (11G0052) (GU n.47 del 26-2-2011 - Suppl. Ordinario n. 53 ) Fondo Fallimenti Immobiliari - Fondo di Solidarietà per i mutui per l’acquisto della prima casa - Home-Loan Delinquency Guarantee Fund Name Objective Contact Fondo Fallimenti Immobiliari - Fondo di Solidarietà per i mutui per l’acquisto della prima casa - The Home-Loan Delinquency Guarantee Fund The Home-Loan Delinquency Guarantee Fund provides the possibility for holders of a home-loan for a primary residence to benefit from a suspension of payments in case of delinquency due to a temporary difficulty (serious and unforeseeable events), which adversely affects the family income. Informations: 06.85796.299 Monday to Thursday, 9.30 to 13 and 15 to 16.30 Friday 9.30 to 13 Phone: 06.85796444, Monday/Friday, 9-17 PEC : [email protected] Fax: 06.85796357 E-Mail: [email protected] Concessionaria servizi assicurativi pubblici SpA Dipartimento Fondi di Solidarietà - Fondo di solidarietà per i mutui per l'acquisto della prima casa Via Yser, 14 Roma http://www.dt.tesoro.it/it/doc_hp/fondomutuipc.html Page 16 Italy September 1st, 2015 References, Laws. DECRETO 22 febbraio 2013, n. 37 Regolamento recante modifiche al decreto 21 giug no 2010, n. 132 concernente norme di attuazione del Fondo di solida rieta' per i mutui per l'acquisto della prima casa, ai sensi dell'arti colo 2, comma 475 e seguenti della legge 24 dicembre 2007, n. 244. (13G00079) GU n.86 del 12-4-2013 DECRETO 21 giugno 2010, n. 132 Regolamento recante norme di attuazione del Fondo di solidarietà per i mutui per l'acquisto della prima casa, ai sensi dell’articolo 2, comma 475, della legge 24 dicembre 2007, n. 244 GU .172 del 18-82010 Fondo di Garanzia per le Vittime della Caccia - The Guarantee Fund for Hunting Victims Name Objective Contact Fondo di Garanzia per le Vittime della Caccia - The Guarantee Fund for Hunting Victims The Guarantee Fund for Hunting Victims provides compensations for damages caused by unlicensed hunting, or in exercising hunting activities, when damages are not covered by the compulsory third party liability policy, if the insurance is not or will not be placed in the state of forced liquidation. PEC [email protected] Fax: 06.8411844 E-Mail: [email protected] Concessionaria servizi assicurativi pubblici SpA Servizio Gestione Fondi di Garanzia – Fondo Caccia Via Yser, 14 Roma http://www.consap.it/fondi-e-attivita/mondo-assicurativo/fondo-di-garanzia-per-levittime-della-caccia References, Laws. LEGGE 11 febbraio 1992, n. 157 Norme per la protezione della fauna selvatica omeoterma e per il prelievo venatorio. (GU n.46 del 25-2-1992 - Suppl. Ordinario n. 41) Fondo di Garanzia per i Mediatori di Assicurazione e Riassicurazione (Fondo "Brokers") - The Guarantee Fund for the Insurance and Reinsurance Intermediaries (“Brokers” Fund) Name Objective Fondo di Garanzia per i Mediatori di Assicurazione e Riassicurazione (Fondo "Brokers") - The Guarantee Fund for the Insurance and Reinsurance Intermediaries (“Brokers” Fund) The Guarantee Fund for the Insurance and the Reinsurance intermediaries (“Brokers" Fund) set upwithin the Concessionaria servizi assicurativi pubblici SpA compensates the financial loss caused by the insurance or the reinsurance broker to the policy owner and to the insurance or the reinsurance company. Page 17 Free risk management alternatives in Europe Italy 14 Guarantee Funds of the European Union Contact 06.857961 Monday to Friday, from 9.30 to 13 and from 15 to 16.30 Concessionaria servizi assicurativi pubblici SpA Fondo di Garanzia per i Mediatori di Assicurazione e Riassicurazione Via Yser, 14 Roma PEC: [email protected] Fax: 06.85796538 E-Mail: [email protected] http://www.consap.it/fondi-e-attivita/mondo-assicurativo/fondo-brokers References, Laws. DECRETO 3 febbraio 2015, n. 25 Regolamento recante modif iche al decreto 30 gennaio 2009, n. 19 del Ministro dello sviluppo economico recante norme per l'amministrazione, la contribuzione e i limiti di intervento del Fondo di garanzia per i mediatori di assicurazione e di riassicurazione, in attuazione dell'articolo 115 del codice delle assicurazioni private, di cui al decreto legislativo 7 settembre 2005, n. 209. (15G00039) GU Serie Generale n.59 del 12-3-2015 Page 18 Netherlands September 1st, 2015 Netherlands The Waarborgfonds Motorverkeer (Dutch Motor Traff ic Guarantee Fund) compensates for damages caused by an unknown or uninsured or stolen vehicle. Wet Schadefonds Geweldsmisdri jven - The Violent Offenses Compensation Fund provides compensation for damages caused .by violent theft, mugging, threat with a weapon, assault or rape, domestic violence, stalking and incest. Wet Schadefonds Geweldsmisdri jven - The Violent Offenses Compensation Fund Name Objective Contact Wet Schadefonds Geweldsmisdri jven - The Violent Offenses Compensation Fund The Extraordinary Risks Cover provides compensation for damages to victims of theft, mugging, threat with a weapon, assault or rape, domestic violence, stalking and incest. Sir Winston Churchilllaan 295 b 2288 DC Ri jswi jk T: 070 - 414 20 00 Postal address: Postbus 1947 228o DX Ri jswi jk [email protected] https://schadefonds.nl/ References, Laws. Law of June 26, 1975. Page 19 Free risk management alternatives in Europe Spain 14 Guarantee Funds of the European Union Spain The guarantee fund for traff ic victims of the Consorcio de Compensación de Seguros compensates for damages caused by an unknown or uninsured vehicle, theft, insolvency or liquidation of the insurance company, or when the accident occurred within 30 days of the vehicle being imported into Spain. La Cobertura de los Riesgos Extraordinarios - The Extraordinary Risks Cover provides compensation to damages caused by extraordinary incidents. La Cobertura de los Riesgos Extraordinarios - The Extraordinary Risks Cover Name Objective Contact La Cobertura de los Riesgos Extraordinarios - The Extraordinary Risks Cover The Extraordinary Risks Cover provides compensation for damages caused by extraordinary incidents to an ordinary insurance policy holder, whose’ insurance policy premium includes the regulated surcharge to Consorcio de Compensación de Seguros, for losses in Spain or for personal damages of Spanish residents abroad. Info phone: 952 367 042 Monday to Friday from 9 to 18. Consorcio de Compensación de Seguros Paseo de la Castellana, nº 32, Madrid Phone: 91 339 55 00 [email protected] http://www.consorseguros.es References, Laws. Regulations for Insuring Extraordinary Risks, approved by Royal Decree 300/2004 dated 20th February and modified by Royal Decree 1265/2006 dated 8th November. Page 20 Sweden September 1st, 2015 Sweden Sweden legislates Brottsoffermyndigheten - Te Crime Victim Compensation and Support Authority to provide compensation for the victims of crime. Brottsoffermyndigheten - Crime Victim Compensation and Support Authority Name Objective Contact Brottsoffermyndigheten - Crime Victim Compensation and Support Authority Brottsoffermyndigheten - Crime Victim Compensation and Support Authority provides compensation of personal psychological and physical injuries, financial loss and property damage to victims of crime. I090-70 82 00, dial 4 in the menu. 9.00 to 15.00. E-mail: [email protected] Fax 090-17 83 53 Postal Address Crime Victim Compensation and Support Authority Box 470 901 09 UMEÅ Sweden Visiting Address Storgatan 49, Umeå References, Laws. The Swedish Crime Victims Compensation Authority, Crime Victims Fund http://www.brottsoffermyndigheten.se.. Page 21 Free risk management alternatives in Europe UK 14 Guarantee Funds of the European Union UK Besides th Motor Insurers' Bureau guarantee fund for traffic victims, UK legislates several guarantee funds to provide compensation for damages to victims of crime. The guarantee funds considered are the the Criminal Injuries Compensation Authority (CICA) which provides compensation for damages of victims of violent crime in England, Scotland or Wales, and the The Hardship Fund provides compensation for damages of disabled low pay workers victims victim of violent crime in England and Wales. The Criminal Injuries Compensation Authority (CICA) Name Objective Contact The Criminal Injuries Compensation Authority (CICA) The Criminal Injuries Compensation Authority (CICA) compensates for damages of victims of violent crime in England, Scotland or Wales. Criminal Injuries Compensation Authority Alexander Bain House Atlantic Quay 15 York Street Glasgow G2 8JQ Claim enquiries 0300 003 3601 Mondays to Fridays , from 08:30 to 17:00 Wednesdays, from 10:00 to 17:00 From outside the UK: +44 (0)203 684 2517 References, Laws. Criminal Injuries Compensation Authority https://www.gov.uk/government/organisations/criminal-injuries-compensationauthority The Hardship Fund Name Objective Contact The Hardship Fund The Hardship Fund provides compensates damages of disabled low pay workers victims victim of violent crime in England and Wales. North East Region County Durham, Northumbria & Teeside: 0845 277 0977 North West Region Cheshire, Cumbria, Lancashire, Merseyside: 0300 303 1979 Greater Manchester: 0845 456 8800 Yorkshire & Humber Region Humber, North Yorkshire, South Yorkshire, West Yorkshire: 0300 303 1971 East Midlands Region Derbyshire, Leicestershire & Rutland, Lincolnshire, Northamptonshire and Nottinghamshire: 0300 303 1947 Page 22 UK September 1st, 2015 West Midlands Region Staffordshire, West Midlands, Warwickshire, Herefordshire Worcestershire, Shropshire: 0300 303 1977 Wales: 0845 612 1900 South West Avon, Cornwall, Devon, Dorset, Gloucestershire, Somerset and Wiltshire: 0845 456 6099 South East Oxfordshire & Buckinghamshire, Berkshire, Hampshire and the Isle of Wight, Surrey, Sussex, Kent and Berkshire: 0845 38 99 528 East of England Norfolk, Suffolk, Cambridgeshire, Essex, Bedfordshire and Hertfordshire: 0845 456 5995 London: 0845 450 3936 References, Laws. Reporting crimes and getting compensation: https://www.gov.uk/f inancial-support-victim-of-crime The Hardship Fund — a guide: https://www.gov.uk/the-hardship-fund-a-guide Page 23 CC/DC/B-AF TERRITORIUM BROKERAGE 10, rue de Penthièvre 75008 Paris, France European Union Bank Authorization Form Bank Name Bank Address Street Bank Address City/Zip/Country IBAN (Account Number) SWIFT (Routing) Buyer Name Street Address City Zip Country Email Telephone I authorize TERRITORIUM BROKERAGE to debit the amount of ____________ currency ______ for a number of ____ issues of Free risk management alternatives in Europe. 14 Guarantee Funds of the European Union . Date: Signature: Please circle : Yes/No : I would like to be contacted to receive a printed version . 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Copyright © 2015 by TERRITORIUM BROKERAGE , Paris, France, European Union AZTEC CODE DATA MATRIX QR CODE PDF417 Free risk management alternatives in Europe Free risk management alternatives in Europe 14 Guarantee Funds of the European Union ISSN ISSN 2431-2657 Paris, September 1st 2015 Available Versions:: English Français TERRITORIUM BROKERAGE 10 rue de Penthievre Paris, France European Union [email protected] www.territoriumbrokerage.eu +33.(0)1.82.52.22.73