Local view for "http://purl.org/linkedpolitics/eu/plenary/2003-10-21-Speech-2-253"
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"en.20031021.7.2-253"2
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"Mr President, Commissioner, the internal insurance market has to be completed and the barriers that still exist in the industry removed. It is no coincidence that the European Parliament has called on the Commission to submit a proposal to bring motor insurance rules up to date so that the right of European Union citizens to live, travel and work in any Member State of the Union without any problem may become a reality.
The draft fifth directive on civil liability motor insurance will certainly have the effect of modernising and improving European rules in this sector. Above all, it will be easier to take out a short-term policy covering a temporary stay in another Member State and getting short-term insurance for a vehicle purchased outside the owner’s Member State of residence. Consumers will thus find it easier to purchase a car in any country in the Union where the best terms are available, and that will help to stimulate cross-border competition. In addition, the directive seeks to update the limits on the minimum cover that should be enjoyed by motorists. This will allow motorists to change their insurance more quickly. Another objective is to improve protection for pedestrians involved in accidents.
Lastly, the directive allows citizens to obtain a statement from their current insurers regarding the accidents in which they have been involved so that they can negotiate a new contract with another insurer.
It is essential to avoid setting the minimum cover at levels that are too high and beyond any reasonable need. If this were to happen, the cost would inevitably be passed on to the consumer through considerable rises in insurance premiums. The effects would be felt especially badly in certain countries, including Italy, where increased premiums are already giving rise to a particularly heated debate. Not to mention the new countries joining the Union, where the citizens and the insurance companies would be called on to meet costs out of all proportion to their economic levels.
My assessment of the proposal is therefore positive; we must be careful, however, not to go too far and produce results that are counterproductive for those same citizens whom we wish to protect and help."@en1
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