Transcript European Facilitator for Access to Construction Insurance

Focus on cross-cutting topics of
Elios 2
By Jean Roussel & Michel Van Droogenbroek (WP 5)
Final Forum meeting (7) , DG ENTR, Brussels
12/11/2014
1
Plan
 Challenges encountered during the process of
the Pilot Project
 Overview of some key findings/results of the
Pilot Project
 Focus on 2 recommendations: an Observatory
(EQEO) and a Facilitator (EFACI)
2
Challenges encountered
Challenges
WP Concerned
Actions
Different concepts of
construction insurance
throughout Europe
WP 3
(with consequences
for
WP 1 and WP 2)
Systematic search for tools to
promote the exchange of
information
and
mutual
recognition
Scepticism of some
national actors about
an European
initiative in
construction insurance
WP 1
WP 2
Creation of the “Elios 2-test”
status which permits the
description of corresponding QS
by Elios 2 partners. The QS
providers are invited to validate
recorded information.
PR actions through European and
local
networks
and
advertisement on professional
websites.
Stimulate exchange of
information between selected
key national actors holding
information on building
3
pathology
Challenges
Conformity/complementari
ty of national Quality Signs
in relation to the CE
marking
Confidentiality of data on
pathology and reluctance
to disseminate this data
Lack of of guarantees in
terms
of
energy
performances
WP Concerned
Actions
WP 1
Interaction
with
representatives of the EC and
several stakeholders of the
construction and insurance
sectors,
especially
sign
providers, in order to focus the
debate on the access to
insurance. Attempt to better
understand the underwriting
process.
WP 2
WP 3
Emphasize qualitive data
rather than quantitative data.
Focus
on
some
ecotechnologies
based
on
predetermined criteria.
Comprehensive state of the
art of existing guarantees and
exchange with major actors in
insurance
in
order
to
understand their points of
4
view.
Key results/Trends
 Amongst the main trends observed
during the Pilot Project Elios 2, some
are “in line” with the conclusions of
Elios 1
 Other ones are somewhat new or
different
5
Confirmed trends
 Diversity of national regimes
 Interconnection between construction
insurance and its national context
 Despite the diversity, similarity of
concerns
6
New developments (1)
 A break in the tendency to
implement mandatory insurances
7
New developments (2)
 Scepticism on the part of some national
actors and stakeholders about the
European initiatives regarding
construction insurance
 A kind of contradiction between the
European legal framework and the
national markets realities
8
Conclusion of these trends
The necessity to imagine tools
improving circulation of information
at a European level
9
Focus on 2 recommendations
An observatory allowing an exchange of
information about the crucial topic of
pathology: the EQEO Project
A way to fix the delicate question of the
access to insurance for cross border
activities: a European Facilitator
10
About the EQEO
 EQEO: Eco technologies Quality
European Observatory
 The EQEO is a pilot database
making extensive information on
some eco technologies available at
the European level
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Objectives
 To promote the quality of ecotechnologies used in the construction
sector
 To support insurers in their risk
assessment and, consequently, to
facilitate the access to insurance,
especially for SMEs
12
EQEO: choice of 3 eco-technologies
 Photovoltaic Panels (PV’s)
 Ground source heat pumps
 Bio material based insulation
13
About the EQEO
14
EQEO
A call for interest from the EC
 To the representatives /stakeholders of the
insurance and construction sectors
 To the possible partners: national actors
holding some records or databases about
pathology for their markets
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Cross border activities and access
to insurance
 An unsatisfactory situation according to the staff
working document issued by the EC the 31st of March
2014
 Difficulty to assess exactly the problems faced by the
services providers
 Difficulty, consequently, to identify the causes and
remedies to the situation
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Cross border activities : possible
tracks of improvement (1)
 Organise equivalencies (art. 23.2 Services Directive)
 Reduce the diversity of the 28 construction insurance
systems (harmonization, best practices, …)
 Facilitate the exchange of information on the existing
systems and available insurance (links with the Points of
Single Contact/PSC, art. 6)
17
Cross border activities : possible
tracks of improvement (2)
 Set up a tool in order to fix the difficulties on
a tailored and consensual basis: a European
Facilitator for Access to Construction
Insurance (EFACI)
 Set up constraining mechanisms (e.g. BCT in
France)
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European Facilitator
for Access to
Construction
Insurance (EFACI)
5/12/2014
Schematic presentation
Cross border activities and access
to insurance
 An unsatisfactory situation according to the staff
working document issued by the EC the 31st of March
2014
 Difficulty to assess exactly the problems faced by the
services providers
 Difficulty, consequently, to identify the causes and
remedies to the situation
20
Cross border activities : possible
tracks of improvement (1)
 Organise equivalencies (art. 23.2 Services
Directive)
 Reduce the diversity of the 28 construction
insurance systems (harmonization, best
practices, etc.)
 Facilitate the exchange of information on the
existing systems and available insurance (links
with the Points of Single Contact/PSC, art. 6)
21
Cross border activities : possible
tracks of improvement (2)
 Set up a tool to fix the difficulties on a tailored
and consensual basis, a European Facilitator for
Access to Construction Insurance (EFACI): Elios 2
recommendation
️
 Set up constraining mechanisms (e.g. BCT in
France)
22
EFACI: role of the Facilitator
an independent Authority,
appointed by the EC,
in charge of advising and helping the
service providers of the construction
sector in order to facilitate the access to
insurance for their cross border activities
23
EFACI: limits of the Facilitator’s
role
The Facilitator will not be in charge of:
 making it compulsory for an insurer to cover a risk
 managing the contractual process (guarantees,
premium, claims…)
24
EFACI: missions and added value
 deliver to the providers of services an information as appropriate
and as complete as possible
 set up links with the national actors and with the points of single
contact (PSC).
 handle residual difficulties on a consensual basis
 centralise demands concerning cross border activities in the
construction sector, being able to make a reliable assessment of
the (potentially) drawback of access to insurance for the Single
Market.
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Role of the Liaison Committee
EFACI
Liaison Committee
Service providers of the
construction sector
facing difficulties for
access to insurance
Actors of the insurance
sector likely to propose
or to find solutions for
this access
Possible composition of the
Liaison Committee
• 1 representative of the EC
• 1 (or 2) experts
• 2 (or 3) representatives of the
construction sector
• 2 (or 3) representatives of the insurance
sector
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Thank you for your attention
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