The role of information centers in Motor Insurance Schemes -Turkish Experience-

1. The role of information centers in Motor Insurance Schemes-Turkish Experience-

2. Requirements for Running a Motor Insurance Scheme The type of an ideal information center Benefits of an information center Turkish experience : TRAMER The structure of TRAMER Benefits of TRAMER with comparison between the periods before and after TRAMER Overview

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

4. The type of an information center central database transferring of information regarding policies and claims open to the access of respective public bodies cross-checks with other sources of information enables the insured and injured parties to query The Role Of Information Centers In Motor Insurance Schemes

5. Benefits of an information center Fighting Against Uninsured Driving Preventing Fraud Compensating the victims quickly Correct Pricing The Role Of Information Centers In Motor Insurance Schemes

6. Benefits of an information center (contd.) Correct applications of tariff Maximizing premium income Minimizing tax loss Minimizing the payments of Guarantee Fund Prevent unfair competition The Role Of Information Centers In Motor Insurance Schemes

7. Turkish Experience-TRAMER 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

8. Turkish Experience-TRAMER Turkish Motor Insurance Information Center TRAMER • Established in 2003 • Public-private-partnership • Non-life companies are native members • No budget allocation • Contribution fees from insurance companies by market share

9. Turkish Experience-TRAMER TRAMER infrastructure

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

11. RESULTS Policy Distribution According To Tariff Levels By Years

12. RESULTS Increase at Number of Policies and Premium Income

13. RESULTS Average Premium Per Policies By Years TRAMER’sFoundation

14. RESULTS Decrease at Uninsured Vehicle Ratio (Except Tractors and Motorcycles)

15. “Undertaking risk without or against information is not insurance”Thank YouGökhan KARASUThe Undersecretariat of Treasurygokhan.karasu@hazine.gov.tr