112/11/2014

Focus on cross-cutting topics of Elios 2

By Jean Roussel & Michel Van Droogenbroek (WP 5)

Final Forum meeting (7) , DG ENTR, Brussels

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

3

Challenges encounteredChallenges 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 Europeaninitiative in construction insurance

WP 1

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.

WP 2Stimulate exchange of

information between selected key national actors holding

information on building pathology

4

Challenges WP Concerned ActionsConformity/complementarity of national Quality Signs in relation to the CE marking 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.

Confidentiality of data on pathology and reluctance to disseminate this data

WP 2

Emphasize qualitive data rather than quantitative data.Focus on some eco-technologies based on predetermined criteria.

Lack of of guarantees in terms of energy performances

WP 3

Comprehensive state of the art of existing guarantees and exchange with major actors in insurance in order to understand their points of 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

11

Objectives

To promote the quality of eco-technologies used in the construction sector

To support insurers in their risk assessment and, consequently, to facilitate the access to insurance, especially for SMEs

12

13

EQEO: choice of 3 eco-technologies

Photovoltaic Panels (PV’s)

Ground source heat pumps

Bio material based insulation

14

About the EQEO

15

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 aboutpathology for their markets

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

16

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)

18

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

25

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.

Liaison Committee

EFACI

Actors of the insurance sector likely to propose or to find solutions for

this access

Service providers of the construction sector facing difficulties for access to insurance

contributes to the “visibility” of the EFACI

helps the EFACI to fix the difficulties

Role of the Liaison Committee

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

sector27

Thank you for your attention

28