Insurance Ireland /

Brand Guidelines

BRAND
GUIDE
March
/ 2015 –LINES
 INSURANCE IRELAND /
02 BRAND GUIDELINES 2015

Insurance Ireland
Logo Colour Breakdown

Pantone 631 – 100% C74 M0 Y13 K0 – 100%

Pantone 431 – 100% C45 M25 Y16 K59 – 100%
Pantone 431 – 85% C45 M25 Y16 K59 – 85%
Pantone 631 – 100% C74 M0 Y13 K0 – 100%

Pantone Reference CMYK Reference

Pantone 631 C74 M0 Y13 K0

Pantone 431 C45 M25 Y16 K59

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03 BRAND GUIDELINES 2015

Logo Colour Variations

Logo Grey Background Logo Blue Background

Logo Light Grey Logo Positive Logo Negative

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04 BRAND GUIDELINES 2015

Logo Clearance
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05 BRAND GUIDELINES 2015

Logo Photography Variations

Logo colour background Logo grey scale light background

Logo black and white dark background Logo grey scale dark background
 INSURANCE IRELAND /
06 BRAND GUIDELINES 2015

Typography - Primary Typefaces

Helvetica Archer

Aa Aa
ABCDEFGHIJKLMNOP ABCDEFGHIJKLMNOP
QRSTUVWXYZ QRSTUVWXYZ
abcdefghijklmnop abcdefghijklmnop
qrstuvwxyz qrstuvwxyz
1234567890 1234567890
 INSURANCE IRELAND /
07 BRAND GUIDELINES 2015

Publication Examples

About Insurance Ireland / 01 Insurance Ireland / Annual Report / 2013 Joint Council Initiatives Issue / 23

Jennifer Hoban
Paul MacDonnell
CBI Roundtable Insurance Europe and the Global Federation of Insurance
- Associations (GFIA)
Insurance Ireland and other financial services representative -
bodies participated in a CBI roundtable on 13th December on the During the last quarter of 2013 and the first quarter of 2014
theme “Taking stock of EU financial regulatory reform”. We were Insurance Ireland has deepened its involvement with Insurance
asked to share our views on the landscape of EU financial reform Europe and the Global Federation of Insurance Associations
and in particular the main consequences for our members of EU (GFIA). Currently we have members represented on the following
regulatory reforms to date and current EU reforms of importance Insurance Europe Committees: the Executive Council (Exco); the
to us. Single Market Committee; the Solvency II Steering Group; the Life
Committee; the Non-Life Committee and the Communications
Our presentation (which was prepared with input from members and PR Committee. At the GFIA we are represented at the
and various Insurance Ireland committees) covered a wide range Global Capital Task-Force. We expect to continue to deepen our
of issues including Solvency II, Review of the European System representation both th the GFIA and at Insurance Europe.
of Financial Supervision, PRIPs/IMD2, AML, Data Protection and
long term investing. Data Protection Regulation
-
Insurance Ireland advocated key changes to the draft regulation,
particularly in those areas potentially affecting insurance contracts.

As well as working via Insurance Europe we met with with Sean

Kelly MEP (EU Parliament Committee: Industry Research &
Energy) and the Department of Justice to discuss our concerns
with the proposed Regulation. Both the Department of Justice
and Sean Kelly understood the industry concerns and Sean Kelly
was widely recognised by Insurance Europe as having played an
ANNUAL REPORT

important role in putting down amendments to the draft regulation

that were instrumental in mitigating a number of the potentially
negative consequences for insurers.

Jennifer Hoban Paul MacDonnell

Life Assurance Manager Head of Policy and EU Affairs

Figure 23 - Number of regulated direct writers

BUILD ON THE POWERFUL

CONTRIBUTION OF THE
1400
NUMBER OF REGULATED COMPANIES IN IRELAND
Figure 23 - Number of regulated direct writers
1200 INSURANCE
Figure SECTOR
35 - Effective Income Tax Rate for TO
an individual ...
180
BUILD
only onON THE THE IRISH ECONOMY
but POWERFUL
INTRODUCTION FIGURE 1: NUMBER OF REGULATED
Figure 13 - Number1400
of regulated entities
1000
ENTITIES IN EACH SECTOR 1
in each sector
FIGURE 2: NUMBER OF REGULATED
Figure 17 - Premium Income in1Domestic Non-Life Market
DIRECT
NUMBER WRITERS
OF REGULATED COMPANIES IN IRELAND
CONTRIBUTION
Figure 20 - Average claim per TO
insured life age 40-49
benefits, not
insured policyholders
death
CONTRIBUTION
when
are diagnosedOF THE
- 1200
160
IRELAND’S ECONOMY INSURANCE
Ireland
with critical illnesses SECTOR
or are unable to TO
The insurance industry plays a huge role in Ireland’s economy and
800 3,800 180
140 AND700
SOCIETY THE IRISH€824
work throughPromoting
ECONOMY
Ireland’s
illness. In 2012, million
makes a substantial contribution in terms of employment and revenue
1000
60015 3,300 160
120 - 600 Malta
Advantages
in life insurance benefits weretopaid
the out as
38 The insurance sector makes a vital
Worldwide
UKor illness. Insurance
800
for the state. A diverse sector ranging across the spectrum from small 400 76 2,800 140
100
500 a result of death
contribution to Ireland’s economy. Promoting
domestic companies focused solely on the Irish market to major global 600
200 2,300 400 CommunityIreland’s
120
80 Businesses Advantages to the
can avail of insurance
In employment terms alone, the industry Bermuda
companies managing assets worth billions of euro, it employs a total of 4000 1,800 300 Worldwide
services to protect themselvesInsurance
from
100
60
27,000 people both directly and indirectly in Ireland. accounts for 27,000 people with
Community
claims that could have consequences
Dublin

Bermuda

End) (West End)

London (City)

LuxembourgLuxembourg

Zurich

Valetta

Singapore Singapore

51 200 Switzerland
1,300 80
40
approximately
200 half of those employed for their very survival. This includes
It also makes a very significant contribution to the Irish exchequer 0
directly by insurance companies and
100 areas such as employer’s
0% 10% liability,
20% 30% 40% 50%
800 60
professionalDelivering onbusiness
a Charter for
20 the balance working for companies
through various forms of tax revenues, amounting to a total of €1.6 billion.
London

indemnity and
Dublin

Bermuda

London (City)

Zurich

Valetta

2007

2008

2009

2010

2011

2012

4 Figure 23 - Number of regulated direct writers

400 closely associated
0 with the sector. This Irish
continuity insurance. Consumers
Figure 38 - Euro Labour Costs in Services Industries
London (West

2008

2009

2010

2011

2012
It is an industry undergoing very significant change, both in respect of 100 latter category includes outsourced
2008

2009

2010

2011

2012

2013

40.0
1. DTZ, Global Office Costs, CBRE, PwC 20 Net Written Premium
BUILDand
professionals ONservice
THE POWERFUL
centres, Delivering on a Charter for
short and longer-term economic challenges as1400 well as radical social
NUMBER OF REGULATED COMPANIES IN IRELAND 0 financialCONTRIBUTION
1 Health Insurance Authority
advisors and consultants. OF THE DEVELOPING
Irish
35.0 Consumers
and technological changes. The landscape is changing irrevocably. Life Non-Life
INSURANCE SECTOR TO IRELAND’S

CREATING
1200 Domestic Life Domestic Health
2008

2009

2010

2011

2012

2013

This represents both a challenge and an opportunity for the industry

180
International Life 1. DTZ, Global Office Costs,
International CBRE, PwC
Non-Life
Figure 18 - Domestic Non-life Insurer Profitability In exchequer THE IRISHterms,
revenue ECONOMY the industry INTERNATIONAL
30.0

and for Ireland.

1000 Domestic Non-Life
160
Reinsurer
is worth Figure 25 - Hypothecated Profit Margin for Domestic Life...
€1.6 billion. The aggregate 25.0INSURANCE SECTOR
800
120%
Life Non-Life
figure paid in employment related taxes, -
Developing a Global Centre

THE
140 of Ireland Insurance 20.0
Notwithstanding the scale of the challenges that are outlined later in
Source: Central Bank
Statistics 2012, CBI register of regulated entities. 100%
20.0%
VAT and insurance
Promotingand pension levies is
Ireland’s For Insurance
Ireland established Innovation
its International
600 Figure 15 - New Business premium income 32%
€1.4 billion while a further €0.2 billion is Financial Services Centre (IFSC) in
Advantages to the
120 38% 15.0
this report, the opportunity exists to create up to 3,000 additional jobs 35%
1
Health insurers includes VHI which is not now 80% NUMBEROF OF
32%
NEWNEW ENTRANTS
36%
paid NUMBER
15.0%
inWorldwide
corporation taxes. Developing
Dublin in 1987 with the aimaofGlobal
creatingCentre
in the sector over the next three to five years and400
there is the potential
NUMBER ENTRANTS OF CLOSURES
Insurance this
In context,
/ TRANSFERS
For Insurance Innovation
regulated but has100
stated its intention to become 30% 10.0
250

FUTURE
a hub for international financial services
14Community
regulated. 60% represents 4.4% of total Irish exchequer
for some €1 billion in new investment. 200 14 10.0%
businesses. This
5.0 proved to be an
200
80 tax receipts.
40% NUMBER 76%
OF NEW ENTRANTS NUMBER OF CLOSURES / TRANSFERS
0 12 68%
68% 70% 12 inspired decision with the attraction
Over the same period it is possible to reduce the size of the pension 60 63% 0.0
INSURANCE SECTOR
5.0%
150 53% Insurance companies in Ireland also of multiple banks, asset management
Dublin

Bermuda

London (West End)

London (City)

Luxembourg

Zurich

Valetta

Singapore

20%

EU (27 countries)

Euro area (17 countries)

Germany

Ireland

France

Italy

Lux

Malta

UK
14 14
gap in Ireland by 30% and to increase the number of consumers with GROWTH
40 STRATEGY
10 10
have just under €200billion of assets firms and insurance companies. It
100 0.0%
FOR INSURANCE IN IRELAND health insurance by 10%, reversing current trends. The establishment 0% 128 under12management
8 for policyholders. is estimated that 33,000 people are
2007

2008

2009

2010

2011

2012

20
Delivering on a Charter for
2007

2008

2009

2010

2011

2012

of a number of new insurance Centres of Excellence represents an 50 Some €46 billion is invested in Ireland, employed directly in IFSC operations
Infrastructure 106 106
of which Irish
€35 Consumers
billion invested in Irish
opportunity for Ireland to underpin its already strong position globally 0
0 with many more indirectly employed.
Figure 28 - Ireland Market Median Lapse rate for Single ...
€1 billion invested in Irish 84Net Written Premium Net Expense Ratio infrastructure;
84 €16 billion in Irish
2008

2009

2010

2011

2012

2013

and to position itself well competitively for further foreign investment

Office Costs,.CBRE, PwC
2006

2007

2008

2009

2010

2011

2012

1. DTZ, Global
infrastructure projects government 10.00%debt and €19 billion in Irish A Government White Paper, Strategy
62 62
Life Non-Life Figure 19 - Insured persons at year end companies and property. The insurance
9.00% for the International Financial Services
40 industry40 in8.00%
Ireland is wide and varied Centre 2011-2026 sets out a vision for
Jobs
Figure 16 - Net premium income 7.00% how to capitalise on this success.
2150 and covers diverse areas such as
2008

2009

2010

2008

2009

2010
2011

2012

2013

2011

2012

2013

2 2
3,000 additional jobs created domestic 6.00%
life and non-life insurers as
€6,000,000
2100
Developing
5.00% a Global Centre The five key success drivers for Ireland’s
in the insurance industry in 0 well as0 the multinational sector of life
2050
Life Non-Life
For4.00%
Insurance
Life
Innovation
Non-Life
International Insurance industry
and non-life insurers and reinsurers.
2008

2009

2010

2008

2009

2010
2011

2012

2013

2011

2012

2013

Ireland
€4,000,000 1.3.00%
Central Bank Insurance Statistics 2008-2012
NUMBER OF NEW ENTRANTS NUMBER
2000 NUMBER OF OF CLOSURES/
CLOSURES TRANSFERS
/ TRANSFERS 2.2.00%
CAA Annual Reports 2009-2012 In short, the five key drivers of the
Life Non-Life
The insurance Life
industry makes
Non-Life
a
€2,000,000 1.00%
contribution to our nation beyond a success of Ireland’s international
Innovation
14
1950
14
1.00.0%
Central Bank Insurance Statistics 2008-2012 insurance market are the following:
direct economic one as well. Insurance
2008

2009

2010

2011

5€0new centres of excellence

2012

2013

1900 2. CAA Annual Reports 2009-2012

12 12
plays a vital role in allowing individuals
1. Ireland’s regulatory regime
2007

2008

2009

2010

2011

2012

10
1850
10 and businesses go about their business
INSURANCE IRELAND / PWC REPORT

-€2,000,000
and plan for the future without fear of
2009

2010

2011

2012

2. Ireland’s fiscal regime

Health 8Insurance 8
financial hardship or devastation from
10% additional consumers (up 3. Access to the necessary relevant
6
PwC / Insurance Ireland
6 unforeseen events. The industry is the
to 2.2m) supporting reduced professional expertise
second last line of defence before the
burden on4 public spending 4
Government. 4. Operating costs and infrastructure in
2 2 Ireland
In personal lines, house and car
Pensions
0 0 insurance protects consumers from 5. The effective promotion of Ireland as
30% increase in pensions loss in the event of accidents and a top quality international location
2008

2009

2010

2008

2009

2010
2011

2012

2013

2011

2012

2013

coverage in Ireland theft. Health insurance provides for

FOR INSURANCE IIN IRELAND

These issues are examined further

CREATING THE FUTURE /

Life Non-Life Life Non-Life the needs of consumers needing to along with observations on areas for
access medical services while Irish life improvement where relevant.
1. Central Bank Insurance Statistics 2008-2012
1. Central Bank Insurance Statistics 2008-2012 insurance companies pay out extensive
2. CAA Annual Reports 2009-2012

1 2 3
 INSURANCE IRELAND /
08 BRAND GUIDELINES 2015

Publication Examples

INSURANCE
Understanding the 4 Insurance Ireland 5
True Impact of Fraud Fraud Conference

IRELAND
FRAUD Speakers The specialist police unit, funded by
the insurance industry to the tune of

Biographies
£3.2 million pa and operating out of

CONFERENCE the City of London Police, has been

―
established to tackle insurance fraud
across the UK.

To date more than 500 suspects

Understanding the
True Impact of Fraud
November 13th, 2014
Aviva Conference Centre
Dublin 4
Paul Gillen
Head of Operations,
European Cybercrime
Centre, Europol Europa
Paul began work at the new European During his service he was the project
CyberCrime Centre (EC3) on the 1st manager on a Falcone Project co
of February 2013. He is the Head funded by the EU Commission and
of C ybercrime Operations and the Irish Department of Justice and
Intelligence at the new EC3. His duties Law Reform, this project published
include the coordination of serious three reports one of which outlined
hi-technology crime operations in the requirement for the development
partnership with the EU Member State, of cybercrime training for specialist
US and other Global Law Enforcement investigators within the EU.
Agencies. Since taking up his post Paul
coordinated operations against several Paul was the project manager on a
organised crime groups, targeting their further AGIS co-funded project in
BOTNET infrastructure on the internet. 2005/2006 which has developed and
delivered academically accredited
Paul was the head of the Garda Síochána training for cybercrime investigators
(Irish Police Service), Computer Crime across the EU. B efore moving
Investigation Unit (CCIU). Paul has to Europol, he was the project
been working in the area of Computer manager for the EU Commission
crime investigations since 1996. ISEC project for the upgrade of
the ECTEG Foundation Course in
Paul has been the Chairperson of Forensic Computing and Network
European Cybercrime Training and Investigation for law enforcement
Education Group (ECTEG) at Europol. within the EU. Finally Paul had been
Paul has also served as the Vice-Chair selected as part of the Irish Centre of
of the European Union Cybercrime Excellence for Cybercrime under the
Task Force (EUCTF) at Europol, a EU funded 2CENTRE project.
group made up of all the heads of Law
Enforcement Cybercrime units within Paul was also the chairman of the
the European Union. academic advisory board for the
MSc degree for law enforcement
Paul holds a Master of Science degree cybercrime investigators internationally
from the School of Computer Science at University College Dublin.
and Informatics from University College
Dublin (UCD).
Paul Francis
Provider Investigations Manager,
AXA PPP Healthcare.
Paul joined AXA PPP healthcare in June
2001 and has worked in various roles
within the company including Customer
Service and Specialist Accounts. Prior
to joining AXA Paul was involved in
Police Specialist Investigations and
during this time Paul also attended a
Home Office Detective Training course. homicide. He has led an inquiry which
He completed professional training
to become an Accredited Counter
Fraud Specialist. Paul is currently the
manager of the Provider Investigations
team responsible for investigating all
aspects of suspicious fraud involving
specialists, hospitals and practitioners.
Wayne Kennedy
Claims Manager,
Liberty Insurance
Wayne is an ACII qualified Claims Following a distinguished career
Manager working within the
Commercial Claims Department of
Liberty Insurance. Wayne has over 13
years’ experience within the Insurance
Industry working firstly as an Insurance
Broker and now Liberty Insurance.
have been arrested and 90+ court
David Wood
Detective Chief Inspector and Head
convictions secured. Gearóid Madden
Senior Manager
Of Insurance Fraud Enforcement The Department regularly investigates Accenture Analytics
Department, London Police £22 million worth of insurance fraud
and looks to seize criminals’ assets
David Wood joined the City of London wherever possible. Gearóid Madden is a Senior Manager
Police in 1984, serving the majority of at Accenture Analytics. Since joining
his career in plain clothes roles. In 2012 he quickly became the public- Accenture in 2006, Gearóid has
face of IFED, with the highlight for him worked on strategic and delivery
In 2008 David was seconded to Essex and the team being the BBC series initiatives within the insurance industry.
Police Major Investigation Team and ‘Claimed and Shamed’ where they In 2011 he joined the Accenture’s
became accredited to investigate were the focal point of programmes Analytics Innovation Centre team
that introduced millions of viewers based in Dublin where he works with
resulted in the conviction of an offender to the unit and showed how there clients globally on insurance fraud
at the Old Bailey for manslaughter. are now serious consequences to solutions. Prior to joining Accenture,
In 2009 he became Head of Crime committing insurance fraud. He also Gearóid held a management role in an
for Territorial Policing as the DCI. He recently appeared on Crimewatch to insurance claims division where he had
was appointed as temporary Deputy raise awareness around crash for cash responsibility for a range of operational
Divisional Commander of Territorial scams. and analytical functions.
Policing later that year, featuring in the
hit TV show Brit Cops which followed
City officers on patrol 24/7.
He has been commended on six
separate occasions for leadership and
detective abilities and has conducted
investigations in the USA, Canada,
India and Poland.
David is also Chairman and founder
of the City of London Police and
Community Amateur Boxing Club
which is housed within Wood Street
Police Station, and also chairs the
National Police Boxing Association.
DCI Wood was appointed to head
up the Insurance Fraud Enforcement
Department (IFED) in October 2011,
overseeing its launch in January 2012.

2
Customers are at Sean Casey
1

the heart of our

President, Insurance Ireland

business and part of

Insurance Ireland’s
Strategy is to develop Insurance is a cornerstone of modern
business and financial life, and makes a major
Welcome to the first Insurance Ireland Customer
360° Conference. Customers are at the heart

a Customer Charter
contribution to Ireland’s economic growth and of each of our businesses but how we respond
development. The sector generates €25 billion to their needs against a rapidly changing

– our Customer 360°

in premium income in respect of domestic and regulatory, technological and competitive
overseas business, employs 27,000 people landscape is not often clearly understood.
in Ireland and contributes over €1.6 billion in Part of Insurance Ireland’s Strategy is to

Conference is an tax to the Irish exchequer. One of the most

important aspects of insurance is to support
develop a Customer Charter - our Customer
360° Conference is an important step in

important step in that

customers when they need it most and each that direction.
year the insurance industry pays out more

direction
than €5.4 billion in claims to Irish customers.
As the voice of insurance actively promoting
the highest standards, Insurance Ireland;
• Represents members’ interests to
Government, state agencies, regulatory
bodies, public representatives, the media
and the general public
• Represents the position of members at a
European level, particularly via Insurance
Europe
• Keeps members abreast of relevant policy
and regulatory developments and provides
a forum for member debates on such issues.
• Provides information to Government, the
wider policymaking community and the
public about insurance.
Convention Centre Dublin – 2014
Our Conference is aimed at Directors and
Senior Managers across the life, general,
international and health insurance sectors. We
will hear from CEOs from each of these sectors,
from consumer representatives, from the
regulator and from thought leaders on the new
age of the digital consumer. The conference
will be largely panel based with the discussion
hosted by Bryan Dobson. We hope you find
this conference of interest and that you leave
with valuable learning and insights to enable
you to enhance the customer proposition of
your own firm.
I would like to thank all the speakers and
panellists who have agreed to take part in
Insurance Ireland’s flagship event and one
we are keen to establish on an annual basis.

Insurance Ireland – The Voice of Insurance

Sean Casey
President, Insurance Ireland

09
Publication Examples
Insurance Ireland 1 Insurance Ireland
Annual Review
Annual Review
Customers
Transformation
allow access to the Approved Retirement
Flooding Pensions Fund option for all holders of Buy-out
Bonds arising from DC pension schemes
regardless of the date of transfer.
Members of the Pensions Committee
also assisted in preparing a response
International to the Department of Social Protection
consultation on the review of the IORPs
Directive which proposes changes to the
governance and information requirements
for pension schemes. The Insurance
Ireland response queried whether some
of the proposals were proportionate,
particularly for insured and small schemes.
Genetic Testing and Life Assurance
The Disability Act 2005 introduced a ban
Value Health
on access to genetic test results by life
assurers and provided that the legislation
should be reviewed after a number of
years in operation. This review is being
progressed by the National Disability
Authority which held a seminar on 30th
Innovation
September to initiative a consultation.
Dr. Paul Gueret, who is Chief Medical
Officer of a number of life offices, gave a
presentation on the practical experience of
insurers in implementing the legislation and
other speakers included Garrett O’Neill,
Office of the Data Protection Commissioner,
Representation Intelligence Aisling de Paor, Lecturer in Law at Dublin
City University, Dr. David Barton, National
Engagement Centre for Medical Genetics and Avril
Daly, the Genetic and Rare Disorders
Organisation.
Insurance Ireland’s submission was
progressed by the Genetics Working Group
comprising underwriters from four member
Annual
companies. The submission highlighted
2014
that although the ban on access to genetic
Review
Progress
Insurance Fraud
Insurance Ireland
continues to build
internal capability
to support our
ever increasing
industry agenda
Insurance Ireland’s anti-fraud Conference 2014 - Understanding the True Impact of Fraud - featuring our Platinum
Sponsor Risk Intelligence, sponsors Vision-net.ie and Cunningham Lindsey and exhibitors Business Forensics
Sean Casey
Managing Director, New
Ireland Assurance,
Insurance Ireland President
test results has not had a significant impact
to-date, any restrictions on access to family
history information could have a negative
impact on the cost and/or availability of
covers and particularly serious illness
cover. Insurance Ireland will continue
to participate in this important debate,
particularly if any changes to current
legislation are proposed by Government.
Unclaimed Life Assurance Policies
Advert
Michael Curtin, Operations Executive - General
The annual Unclaimed Life Assurance Sector
Policies advertisement was published by
Insurance Ireland on behalf of members
on 1st October in the Irish Times and Irish
Independent and on 3rd October in Iris
Oifigiuil.
Another important event
worthy of mention here was
the Understanding the True
Impact of Fraud conference.
The conference heard the
results of the Amárach
Research insurance fraud
consumer sentiment survey
which was commissioned
by our Innovation Strategic
Alliance Partner Accenture.
The research provided
insights into Irish people’s
perceptions of insurance fraud
and their opinions on why it is
committed. Worryingly, while
attitudes towards fraud were
largely negative consumers
was quite ambivalent when it
came to their attitude towards
taking action to combat fraud.
To conclude, I would like
to take this opportunity to
express my gratitude to all of
our staff for the tremendous
hard work they have put in
during the year in organising a
record number of events and
conferences, representing
our sector across a wide
policy and regulatory agenda,
and promoting the industry
20 Insurance Ireland
Annual Review
Pictured from left to right : Jerry McGrath,
Business Product Manager, FBD Insurance, Nigel
Dawkins, Risk Control Manager, Commercial
Underwriting, RSA Insurance, Zoe Panayotou,
GIS Analyst ,Product Underwriting, Zurich
Insurance, John Carey, Underwriting, Allianz,
John Dooley ,Head of Commercial Property,
Liberty Insurance, Liam Basquille, Principal
Officer, OPW, Michael Horan, Non-Life Insurance
Manager, Insurance Ireland, Vincent Hussey,
Senior Engineer, OPW, Tom Bolger, Assistant
Chief Engineer, OPW and David Parke, GIS
Analyst, Aviva Insurance.
Paul McDonnell, Head of EU Regulatory Affairs
& Planning, Insurance Ireland at the Office of
Anthony Brennan
Publics Works Flooding Conference
General Sector Members
ACE Europe
AIG
Allianz
Amtrust International
Anthony Brennan
CEO, Zurich Life Aviva Insurance
AXA
Chairman, Insurance Ireland
Life Council DAS Group
DeCare Dental
Ecclesiastical
Euro Insurances
FBD
Genworth Financial Insurance
Jennifer Hoban
IPB Insurance
Liberty Insurance
London General Insurance
Mapfre Assistencia
RSA Insurance
Jennifer Hoban
Life Assurance Manager, Travelers Insurance
Insurance Ireland Zurich Insurance
This confirmed our own
suspicions as an industry but
is also a timely reminder of the
There were 35 events
held by Insurance Ireland
fact that there can be no let-up
in our efforts not only to fight
fraud but also to convince
in 2014, up from 8 in 2013
the public that it is not just a
problem for the industry. This
highlights once again the gap
in public perceptions of the
industry and the reality faced
by our members every day
and the need for Insurance
Ireland to intensify its work in
communicating that reality as
widely as possible.
among stakeholders and
Andrew Langford
Anthony Brennan
the wider public. I would
also like to thank all of those
representatives from the
industry who sit on our board,
councils, committees and
working groups. Without
their selfless efforts the Chief Executive Officer,
achievements of the past year FBD Insurance, Chairman,
would not be possible. Insurance Ireland
Non-Life Council
INSURANCE IRELAND
REPRESENTING THE
GENERAL INSURANCE
SECTOR
In 2014, the General Sector team was
expanded with the appointment of Michael
Curtin as Operation Executive. Michael
joins us from Allianz where he worked in
underwritting since 2009.
Insurance Ireland - OPW Memorandum
of Understanding on Flooding
Insurance Ireland launched a Memorandum
of Understanding (MOU) on Flooding in
March at a joint press conference with
Minister Brian Hayes TD, Minister of State
at the Department of Public Expenditure
and Reform with Special Responsibility for
the OPW. The MOU went live in June.
Under the terms of the MOU the OPW will
share flood defence data with Insurance
Ireland so that members can take this data
into account when assessing flood risk. The
MOU is the start of a process which will
help our members make flood insurance
more widely available in areas benefiting
from flood defences built to the desired
standard of 1:100 years. The OPW has so
far provided data on 12 completed flood
defence schemes with more to follow.
Insurance Ireland met the new Minister
of State for the OPW and IFSC, Simon
Harris TD, in October of this year. Our aim
in engaging with Minister Harris was to build
on the Insurance Ireland/OPW MOU and
secure more flood defence information.
In October, Insurance Ireland participated
in the OPW’s National Stakeholder Meeting
on their Catchment based Flood Risk
Assessment and Management Programme,
i.e. reviewing progress with their flood
mapping prior to production of OPW Flood
Risk Management Plans in 2015 in line with
the EU Floods Directive.
Our endeavours in the area of flooding are
aimed at ensuring that robust flood defence
strategies and adequate investment in flood
defences are put in place so that insurers
can provide cover against the risk of flooding
rather than against inevitable events.
Chief Executive’s Review
Our Mission
To represent and support the development of
the insurance industry in Ireland in the interests
of our domestic and international members and
their customers.
2014 was an excellent year for Insurance
Ireland by any standard. We increased our
activity across all areas and continued to make
strong progress on behalf of our members in
areas such as advocacy, regulation, pensions
reform, flood risk management, Ireland’s
position as a location for international insurers,
and the ongoing fight against fraud.
However, it is impossible to measure the work
of an organisation such as ours purely on
the basis of individual results or outcomes
confined to a single calendar year. Ours is a
Ciaran McGrettrick
Dónal Clancy
CEO, Zurich Life, Managing Director,
Chairman, Insurance Phoenix Ireland,
Ireland Life Council Chairman, Insurance Ireland
International Council
INSURANCE IRELAND /
BRAND GUIDELINES 2015
21
Shared Services Effective
Management and Quantification of
Flood Risk Project
Insurance Ireland is participating in an
industry project which would help insurers
to effectively manage and quantify
flood risks at high spatial and temporal
resolutions which aligns directly with the
current and likely future needs of our
Insurance industry.
A project team comprising researchers
and engineers from Universities and
organisations like DCU, IBM, Marine
Institute and a representative from
Insurance Ireland is in place to progress
this project. The project is underway and
currently at analysis phase.
Office of Public Works Flooding
Conference
Paul MacDonnell, Insurance Ireland’s
Head of EU Regulatory Affairs & Planning,
presented an overview of the dangers
posed by inappropriate public policy
concerning insurance at the Office of Public
Works Flooding Conference at Dublin
Castle on 10th April.
Winter Storms
Claims costs resulting from the storms
between mid-December 2013 and February
2014 amounted to approximately €157m.
There were just over 30,000 claims in
this period with approximately 70% of the
claims by number and cost resulting from
the storms in February, which climaxed with
Storm Darwin on 12th February. Insurers
rose to the logistical challenge of dealing
with 30,000 claims in such a short period
of time and worked hard to ensure that
policyholders’ claims were handled quickly.
4 —5
The Insurance Ireland Team
dynamic industry subject to constant change
and influenced by a vast array of factors
both domestically and internationally. This
environment means that achievements in one
year can very often be the result of the hard
work of prior years.
This has certainly been the case in 2014 and
many of the year’s highlights were the product
of work carried out over a long number of years
and I would therefore like to acknowledge the
contribution of past members of our councils,
committees, and working groups as well as
our staff. And once again in 2014, much of our
activity has been ongoing work on behalf of our
members across a wide range of areas, laying
a strong foundation which will bear fruit in future
years.
Vincent Sheridan
Managing Director, Laya Chairman, Insurance
Healthcare, Chairman, Ireland INED Council
Insurance Ireland Health
Council
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