It thus does not not include two further categories of agreements between insurance undertakings, which the Commission is entitled to include in its block exemption Regulation, under the authorisation given by the Council through the so-called enabling Regulation , namely agreements on claims settlement, and on registers of aggravated risks.

4. The claims representative shall, in relation to such claims, collect all information necessary in connection with the settlement of the claims and shall take the measures necessary to negotiate a settlement of claims.

(15) In order to fill the gaps in question, it should be provided that the Member State where the insurance undertaking is authorised should require the undertaking to appoint claims representatives resident or established in the other Member States to collect all necessary information in relation to claims resulting from such accidents and to take appropriate action to settle the claims on behalf and for the account of the insurance undertaking, including the payment of compensation therefor; claims representatives should have sufficient powers to represent the insurance undertaking in relation to persons suffering damage from such acc ...[+++]idents, and also to represent the insurance undertaking before national authorities including, where necessary, before the courts, in so far as this is compatible with the rules of private international law on the conferral of jurisdiction.

The new rules, known as the Fourth Motor Insurance Directive, provide for improved information, easier procedures and quicker settlement of claims (fines will be charged on late payments).

Most of the cost of insurance is in the claim payment, that's what you buy.

We offer clients choice in the insurance market, help to settle claims, offer a form of loss prevention service and defend consumer interests, particularly in new product development.