Florian Gaba FIAR 2012. Agenda Situatia actuala din piata Eficientizarea procesului de invatare...
-
Upload
kerry-fields -
Category
Documents
-
view
219 -
download
0
Transcript of Florian Gaba FIAR 2012. Agenda Situatia actuala din piata Eficientizarea procesului de invatare...
Pregatirea profesionala in brokerajul de
asigurari
Florian GabaFIAR 2012
AgendaSituatia actuala din piata
Eficientizarea procesului de invatare
Perspective de dezvoltare
Situatia actuala din piata
Pregatire profesionala conform normelor CSA
Grafic cursanti/cursuri absolvite
Grafic cursanti trimisi de brokeri/ cursanti trimisi de asiguratori
Grafic piata furnizori.
Situatia actuala din piata
Alte cursuri de pregatire profesionala cerute de brokerii de asigurare din piata
Produse de asigurare (CMR, Bunuri, Riscuri financiare)
Managementul riscului
Constatarea daunelor auto
Tehnici de interactiune cu clientii in brokerajul de asigurari
Cursuri de vanzari
Cursuri de formatori
1. Continut (Cum arata un curs pentru intermediari in Marea Britanie)
2. Prezentarea continutului
- la sala
- E-learning (peste 90 % din cei care au luat examenul de autorizare IMA/CSA)
Eficientizarea procesului de invatare
6
Module 1Personal Lines
General Insurance Training Course
7
The Principle of Insurance
The accumulation of a fund, made up of
premiums paid by the many, from which the unfortunate few, who suffer losses, are paid.
8
The principle of Insurance depends on the fact
that …
• Not all members of the fund will have claims • Those that do will not have total losses
9
The Concept of Risk
All human activity is a venture in uncertainty
10
Risk is …..• the possibility of an unfortunate
occurrence• unpredictable• uncertain as to the extent of loss• the possibility of loss
The possible happening of a fortuitous event which may produce a loss
11
ReinsuranceThe insurer insures part of the risk with a
reinsurance companyThe insurer’s insurable interest is the financial loss they
will suffer in the event of a claim by the insured
Reinsurance enables the insurer to accept a larger amount of a risk than
would otherwise be prudentThe insured is usually unaware of the existence of
reinsurance
12
Insurable InterestThe legal right to insure
arising out of a financial relationship
recognised in law, between the insured
and the subject matter of the insurance
13
The promise to place the insured in the same financial position after the loss as he/she enjoyed immediately before its
occurrence
No better - No worse
Indemnity
14
The Insurance MarketThe Intermediary
Lloyds Brokers
Tied Agents
Agents
Insurance BrokerThe
Insurance Intermediary
15
Multi Agency Intermediary
The Broker
Authorised Adviser
Tied AgentAgentInsurance Broker
Cash Handler
Multi Agency Intermediary
Must have more than 5 agencies
Must have no more than 4 agencies
Represents one insurer only
Self-employed
Employed by insurer
May be either
or
May be eitherMay be either
Restricted Activity Investment
Product Intermediary
Restricted Activity
Investment Product
Intermediary
Insurance Intermediaries
or
or
or
or
16
The Role of the Broker
Agent of the Insured•Giving advice•Arranging insurances•Claims assistance
An independent professional adviser operating legally as an agent
Agent of the InsurerHandling proposalsConfirming coverSurvey & Risk ManagementCollection of premiums
Duties of an AgentObediencePersonal PerformanceDue Care & SkillGood FaithAccountability
Duties of a PrincipalRemunerationIndemnity
17
The Motor Car Proposal 1
• Registration number• Make, model, type• Engine size• Year of manufacture• Value
• Address where vehicle is kept
• Is proposer owner?• Has vehicle been
altered• Details of trailers• Hire purchase
Details of the Vehicle
18
The Motor Car Proposal 2
• Full names of drivers
• Dates of birth• Occupations• Full or provisional
licence?
• Any disease or physical infirmity
• Actual or pending convictions
• Details of accidents
Details of the Drivers
19
Driving Other Cars Extension
Allows driving by the insured of a vehicle
owned by another person
BUT the cover is Third Party Only
Irrespective of the cover provided by the policy
N.B. N.B.
20
Lesson 1 – Introduction
Accident Benefits
Property cover
Pecuniary cover
Liability cover
Cancellation Curtailment
Delay
HijackAbandonment
Missed Departure
Catastrophe
Medical Expenses
Repatriation costs
Hospitalisation
Personal Accident
Additional Expenses
Dental costsHomecare
Baggage
Money
Personal Effects
Personal Liability
Legal Expenses
Travel Insurance
21
Insurance is about paying claims
Best tell the broker
Without claims the insurer wouldn’t be in business
E-learning in domeniul asigurarilor
Costuri de accesare mici(pentru un numar mare de cursanti)
Flexibilitate (oricand/oriunde)
Abilitati de utilizare a computerului
Relativa "dezumanizare" a cursurilor. (Lipsa interactiunii cursant/lector)
Solutie
“Blended learning”
Model E-learning
Film de 3 minute (inserat direct in prezentare).
Colegii mei lucreaza la el. Ideea e sa aratam cum se foloseste e-learning-ul pas cu pas. Nu vom da nume de produse, de companii etc. Se va baza exclusiv pe ideea de model, asa cum apare la nivel international.
Acest filmulet va avea si sonor. In acest context credeti ca este viabil sa-l punem?
Perspective de dezvoltare
Care este trendul european cu privire la pregatirea brokerilor de asigurare?
Care vor fi temele abordate in perioada de dupa “primul val” de pregatire?
Care sunt programele de pregatire profesionala de interes pentru brokerii de asigurare?
Multumesc!