1. 1 Ce document est la propriété du Fonds de Garantie et ne peut être diffusé ou utilisé sans autorisation écrite préalable FGAO Fonds de Garantie des Assurances obligatoires de Dommages WARSAW INTERNATIONAL MOTOR INSURANCE FORUM 8 – 9 MAY 2008 Compulsory Damage Insurance Guarantee Fund

2. 2 The FGAO and its action against the failure to take out insurance

3. 3 3 Some figures French Guarantee Fund – WARSAW INTERNATIONAL MOTOR INSURANCE FORUM 8/9 MAY 2008 On the FGAO’s activities On failure to take out insurance in France The action taken Our policy for prevention Our action after the fact

4. 4 4 Some figures On the FGAO’s activities Numbers of victims of uninsured drivers

5. 5 5 Some figures On failure to take out insurance in France The least well-off drivers are the most often those who drive without insurance. All vehicles involved in accidents leading to physical injury (with the exception of bicycles) Source : ONISR, accident data file Year : 2006 Occupation of driver Insurance

6. 6 Some figures On failure to take out insurance in France Uninsured driving is a phenomenon that involves younger drivers more often. All vehicles involved in accidents leading to physical injury (with the exception of bicycles) Source : ONISR, accident data file Year : 2006 Age of driver Insurance

7. 7 French Guarantee Fund – WARSAW INTERNATIONAL MOTOR INSURANCE FORUM 8/9 MAY 2008 Action against uninsured driving Prevention : a campaign around FGAO’s assigned mission After the fact : FGAO recoveries

8. 8 Action against uninsured driving Prevention : a campaign around FGAO’s assigned mission The mission entrusted to the FGAO by the law of 01/08/03 Preventive measures to reduce the numbers of traffic accidents and to combat uninsured driving Selected measure – a campaign targeted at an audience comprising the 15-24 age group (this is because 44% of this age group drives without insurance)

9. 9 Action against uninsured driving Prevention : a campaign around FGAO’s assigned mission Preparation of a campaign to combat uninsured driving 1. Design of content and media suitable for encouraging young drivers to take out insurance 2. Seeking out partners to give concrete expression to these measures (provision of technical and logistical assistance) Automobile Club “Codes Rousseau” learner driver manuals

10. 10 Action against uninsured driving Prevention : a campaign around FGAO’s assigned mission Raise awareness of the risks of driving uninsured Educate young drivers Make sure the message is passed on by the media Get yourself insured” campaign goals

11. 11 Action against uninsured driving Prevention : a campaign around FGAO’s assigned mission Information Posters Leaflets DVD ROM Training Courses built specifically around the theme : “Get yourself insured” Campaign tools

12. 12 Action against uninsured driving Prevention : a campaign around FGAO’s assigned mission Partner programmes 1. Automobile Club Information on the risks of driving uninsured Posters in Automobile Club offices Detailed explanation of the issues related to uninsured driving (85,000 copies of article circulated) Organisation of presentational courses Creation of a driving module and a presentational module on uninsured driving

13. 13 Action against uninsured driving Prevention : a campaign around FGAO’s assigned mission Partner programmes 2. “Codes Rousseau” learner driver manuals Posters for campaign in all driving schools Circulation of leaflets and posters Placing of an FGAO advertising insert in the “Code Rousseau” manual (445,000 copies) Nomination of candidates to be given the opportunity of following courses set up for prevention

14. 14 Action against uninsured driving Prevention : a campaign around FGAO’s assigned mission Campaign results overview Media spin-off Media spin-off : Published press 50 articles (national, regional and specialist press media) Radio & television Interview given by Alain Bourdelat, FGAO Chief Executive, on the TV programme “Droit de savoir” [Right to Know] Broadcasting of a number of information flashes on RMC

15. 15 French Guarantee Fund – WARSAW INTERNATIONAL MOTOR INSURANCE FORUM 8/9 MAY 2008 Action against uninsured driving After the fact : FGAO recoveries

16. 16 Action against uninsured driving After the fact : FGAO recoveries Goals of action for recovery To obtain reimbursement of compensation paid out to the victims from those responsible for the accident and to ensure that the latter take responsibility for the financial consequences of their actions To combat insurance crime

17. 17 Progression in traffic-related settlements and recoveries (€ millions) Action against uninsured driving After the fact : FGAO recoveries

18. 18 Action against uninsured driving After the fact : FGAO recoveries Managers Human resources : 35 staff out-of-court in-court official channels Vincennes Marseille Automated outgoing call management system Electronic Data Interchange Barcode-based mail management Automated telephone number search system Automated allocation of moneys received IT resources On 2 sites The resources for action

19. 19 Action against uninsured driving After the fact : FGAO recoveries Networks of legal agents Specialist firms: searches for addresses, telephone numbers, reactivation of abandoned debt claims, etc. External service providers French General Tax Directorate External partner The resources

20. 20 Action against uninsured driving After the fact : FGAO recoveries Figures for FGAO activity TRAFFIC : TRAFFIC : 22,000 TRAFFIC TRAFFIC : 6,200 Financial Year 2007 active debtors active repayment schedules Average monthly repayment = € 90

21. 21 Action against uninsured driving After the fact : FGAO recoveries Figures for FGAO activity Recovery proceeds in € millions

22. 22 Fonds de Garantie Siège social : 64 rue Defrance - 94682 VINCENNES CEDEX – Tél. : 01 43 98 77 00 Site de Marseille : Les Bureaux du Méditerranée - 39, bd Vincent Delpuech 13255 MARSEILLE CEDEX 06 – Tél. : 04 91 83 27 27 Sites internet : www.fga.fr - www.fgti.fr - Courriel : contact@fga.frwww.fga.frwww.fgti.fr www.fga.frwww.fga.fr - www.fgti.frwww.fgti.fr Siège social :64 rue Defrance - 94682 VINCENNES CEDEX Tél. : 00 33 1 43 98 77 00 Site de Marseille : Les Bureaux du Méditerranée 39 bd Vincent Delpuech 13281 MARSEILLE CEDEX 06 Tél. : 00 33 4 91 83 27 27 Sites internet : www.fga.fr - www.fgti.frwww.fga.frwww.fgti.fr Courriel : contact@fgao.fr