1. THE UNDERSECRETARIAT OF TREASURY 1 T H E U N D E R S E C R E T A R I A T O F T R E A S U R Y The role of information centers in Motor Insurance Schemes Tashkent International Insurance Forum 4-7 June 2009

2. THE UNDERSECRETARIAT OF TREASURY 2 Requirements for Running a Motor Insurance Scheme  Legal infrastructure  Good coordinated participants  Trustable and countrywide central database  Efficient enforcement of insurance liability The Role Of Information Centers In Motor Insurance Schemes

3. THE UNDERSECRETARIAT OF TREASURY 3 The type of an information center  central database  open to the access of respective public bodies  cross-checks with other sources of information  transferring of information regarding policies and claims  determination of the status of the center by the regulatory body The Role Of Information Centers In Motor Insurance Schemes

4. THE UNDERSECRETARIAT OF TREASURY 4 Benefits of an information center  An efficient instrument for the regulatory body  Fighting Against Uninsured Driving  Preventing Fraud  Compensating the victims quickly  Correct Pricing The Role Of Information Centers In Motor Insurance Schemes

5. THE UNDERSECRETARIAT OF TREASURY 5 Benefits of an information center (contd.)  Correct applications of tariff  Minimizing premium income and tax loss  Minimizing the payments of Guarantee Fund  Prevent unfair competition The Role Of Information Centers In Motor Insurance Schemes

6. THE UNDERSECRETARIAT OF TREASURY 6 The Turkish Insurance Sector

7. THE UNDERSECRETARIAT OF TREASURY 7 The Turkish Insurance Sector 1 Euro = 2 TL

8. THE UNDERSECRETARIAT OF TREASURY 8 The Turkish Insurance Sector Breakdown of Insurance Companies According to the Branches

9. THE UNDERSECRETARIAT OF TREASURY 9 The Turkish Insurance Sector Problems faced before TRAMER  high percentage of uninsured vehicles  manual policies  uncontrolled commitments and lack of coverage due to unregistered policies  no uniform data and claims history  incorrect application of the tariff and bonus/malus system  unfair competition  loss of premium and tax revenue  drain on the guarantee fund

10. THE UNDERSECRETARIAT OF TREASURY 10 The Turkish Insurance Sector  Established in 2003  Public-private-partnership  Non-life companies are native members  No budget allocation  Contribution fees from insurance companies by market share Turkish Motor Insurance Information Center TRAMER

11. THE UNDERSECRETARIAT OF TREASURY 11 The Turkish Insurance Sector TRAMER infrastructure

12. THE UNDERSECRETARIAT OF TREASURY 12 1-)Citizenship Details Insuree name- surname Father’s name Date of Birth Place of Birth Sex Policy Details Company 3-Vehicle Registration Details Plate number Motor number Chassis number Model year Registration date Vehicle brand/model/colour Usage type Policy Details 2-Tax File Details Company Name Company Type Establishment Date Policy Details Agency Tax, Plate Number+Chassis Number Citizenship, Policy Details Query by citizenship details Query by tax file details Query by plate and chassis number Revenue Administration Public Citizenship Authority Police Department TRAMER Policy Producing

13. THE UNDERSECRETARIAT OF TREASURY 13 Policy Distribution According To Tariff Levels By Years RESULTS

14. THE UNDERSECRETARIAT OF TREASURY 14 RESULTS Decrease at Uninsured Vehicle Ratio (Except Tractors and Motorcycles) million 200320042005200620072008 Number of Registered Vehicles6.6 7.8 8.5 9.19.7 10.2 Number of Policies in Force5.8 6.9 7.8 8.38.8 9.2

15. THE UNDERSECRETARIAT OF TREASURY 15 RESULTS Increase at Number of Policies and Premium Income

16. THE UNDERSECRETARIAT OF TREASURY 16 RESULTS Average Premium Per Policies By Years TRAMER’s Foundation

17. THE UNDERSECRETARIAT OF TREASURY 17 T H E U N D E R S E C R E T A R I A T O F T R E A S U R Y Thank You Gökhan KARASU The Undersecretariat of Treasury gokhan.karasu@hazine.gov.tr