Congress report

CONGRESS REPORT
The 23rd RIAD Congress
Do legal protection insurers
have a social and societal role in today’s world ?
International Association of Legal Protection Insurance
Table of Contents
Foreword by the RIAD President....................................................................................................................... 3
The 23rd RIAD Congress report
Here comes the future:
A changing socio-economic environment....................................................................... 5
Say it loud:
The value of insurance to society...................................................................................................... 9
Role models:
Legal protection insurers lead the way................................................................................ 14
About the participants
Speaker biographies........................................................................................................................................... 17
List of participants.................................................................................................................................................. 20
2
Foreword by the RIAD President
The 23rd RIAD Congress was held in Cannes, France in November 2013 and brought together
over 140 high-calibre international representatives from the insurance industry and the legal
services’ sector, collectively representing more than 650 years of experience in the field, as well as
academics, policymakers and consumer representatives.
It was the second time RIAD has held its annual congress in this famous location, having first
gathered here in 1979 on the occasion of the 6th RIAD Congress. In a town so closely associated
with the celluloid world, how did the sequel fare?
The focus of the 23rd RIAD Congress was on the current and future role of legal protection insurers
in the context of important societal trends such as the development of new and ever more
powerful technologies, the increasing complexity of the legal environment and the fallout from
the global economic crisis.
As legal disputes are often slow, complex and expensive, too many people abstain from pursuing their rights. From a
societal perspective, legal protection insurers are increasingly important facilitators of access to law for both individuals and
businesses.
Looking ahead, the challenges are not limited to increasingly complex regulation and the transformed nature of legal risk;
the justice supply chain is evolving and within society, old certainties are being steadily eroded - be it family structures,
employment biographies or increased mobility. And it goes without saying that the digitisation of our society is having a
profound effect on how we deliver our services and on consumer expectation.
If you will, the film has changed from monotone to multicolour and only the innovative service providers can be market
leaders in an increasingly discontinuous society.
As an industry we have to be more proud of what we do, communicate proactively and engage policymakers to allow us
to extend, facilitate and promote our role in providing access to law as efficiently as possible. By way of example, legislative
frameworks should not discriminate against the use of in-house lawyers.
As legal disputes are
often slow, complex
and expensive, too
many people abstain
from pursuing their
rights. From a societal
perspective, legal
protection insurers are
increasingly important
facilitators of access to
law for both individuals
and businesses.
3
As an industry we have
to be more proud of what
we do, communicate
proactively and engage
policymakers to allow
us to extend, facilitate
and promote our role in
providing access to law as
efficiently as possible.
Increasing litigation is not inevitable. Legal protection insurers deliver ambitious prevention strategies and promote alternative
dispute resolution as it is often a considerably better and efficient option for those looking to resolve their disputes. In so
doing, our industry supports widespread access to justice, as opposed to access to courts, which is a societal benefit worth
shouting about.
The message coming from the 23rd RIAD Congress was clear: it is an exciting time for the industry, we alone have the ability
to price risk and provide peace of mind to customers, both young and old, in response to a changing society.
I hope you enjoy reading this report that captures the essence of the vivid and lively ideas generated during the event. More
details are of course available online: http://www.riad-online.eu/65.0.html
In the end, the 23rd Congress was that most rare of things: a sequel that added to and enhanced the original, leaving the
audience waiting for the next instalment…!
Marie-Emmanuelle Schiltz
RIAD President
We alone have the
ability to price risk and
provide peace of mind to
customers, both young
and old, in response to a
changing society.
4
Here comes the future
A changing socio-economic environment
Societies of all types - and the businesses that serve them - have long wished to know what their future holds. In times past,
astrologers’ fanciful predictions held sway, and to this day, their elusive and arcane practices live on as soothsayers of the
modern-day ilk embrace social media and continue to seduce with reassuring promises of future certainty in a hyperactive
world.
Whereas astrologers look to the stars for inspiration, the insurer’s gaze tends to be more earthbound. And the insurance
industry’s scientific approach has proven to be considerably more reliable for anyone looking to identify and manage risk
associated with an unpredictable world. But will this continue to be the case going forward?
The 23rd RIAD Congress sought to address this question when considering the societal role of Legal Protection Insurance (LPI).
... a clear-eyed view of
the present is a helpful
place to begin when
thinking about societal
requirements in a future
context.
Societal trends – the bigger picture
Although not a guaranteed indicator of future trends, a clear-eyed view of the present is a helpful place to begin when
thinking about societal requirements in a future context. As Armin Nassehi , Professor of Sociology at the Ludwig- MaximiliansUniversity Munich, noted everything that happens, happens in a context and he identified a number of underlying societal
trends that all forward-looking businesses should pay attention to:
• Differentiation / complexity
Be it in the public, private or personal realm, a linear
approach to socioeconomic development has beco–
me outmoded - by way of example, think of how
many town-planning projects of the 60s now seem
hopelessly optimistic and utopian. When trying to
plan ahead one has to be more careful than before
with the prolongation and linear extrapolation of past
and present data. Modernisation is characterised by
differentiation and so innovative companies need to be
mindful of this complexity.
Armin Nassehi, Professor of Sociology, u
Ludwig-Maximilians-University Munich
5
The differentiation trend that society is undergoing reflects the many individual realities that are experienced simultaneously.
When translated into a legal context, the result is an inexorable legalisation of societal relationships, as witnessed by the rise
of personal liability claims.
The challenge for insurers
is about how to maintain
continuous products
for an increasingly
discontinuous world.
• Politico-economic interface
As the recent financial crisis demonstrates, the relationship between politics and the economy is a major ongoing challenge
for global society. And a particularly pertinent one for legal protection insurers who are delivering access to justice and thus
located at the interface of a sovereign state activity. The political and economic worlds rely on public confidence in opposing
ways: the political system generates confidence by operating at a stately pace whereas the economic system is increasingly
valued for its speed of response to customer demand.
• Individualisation & discontinuity
A consequence of differentiation at the individual level is Western society’s cult of individualisation.
The good news for brands is that products are becoming what badges of rank, title and signs of descent were in former
times, even if there is an inherent paradox here: successful brands somehow manage to convey the narrative that their
product reinforces the purchaser’s individuality; and then proceed to sell the same product millions of times!
While people are living longer, old certainties are being eroded – be it family structures or employment biographies or
increased mobility. The challenge for insurers is about how to maintain continuous products for an increasingly discontinuous
world.
Legal protection insurers
have a proven ability to
innovate and thus are
well positioned to be
leaders in this complex
new terrain.
Delegates identified
the most important
social and societal
changes that have
had a direct or
indirect impact on
their lives.
t
Dominique Perben,
6
Former French Minister of Justice and lawyer
Drilling down from wider societal trends the Congress identified four current drivers of change for the future of
dispute resolution. Drivers that all service providers - be they lawyers, insurers or mediators - are grappling with,
namely: 1) the proliferation and increasing complexity of law; 2) the impact of the economic crisis on the social
and financial lives of individuals; 3) the rise of new technology and its effect on customer expectation; and 4) the
business challenges associated with an ageing society in most developed countries, certainly in most European
countries.
Many people
Legal services & dispute resolution – drivers for change
Delays
Cost
Lost of
confidence
More
conflicts
Less urgent
Very urgent
Few people
Former French Minister of Justice and lawyer Dominique Perben , illustrated the changing landscape of legal risk
and dispute resolution, noting the spiralling cost of an increasingly litigious society and the trend of public sector
expenditure restrictions limiting legal aid budgets.
Issues in regard of the increasing complexity
and proliferation of law
Many people
• Globalisation
The impact of globalisation has spread across the whole economy and is being driven onwards by the digital
revolution. The effect is that previously simple and localised legal risks are being transformed into complex and
multi-localised ones. This is now as much the case for SMEs as it is for the largest multinational enterprises.
Piratage
et fraude
Mise
sous
tension
Transparence
Urgence
Stress
Very urgent
Few people
Less urgent
• Peace of mind
In such a dense environment the business case for legal protection is evident. Looking beyond companies, demand
for professional indemnity coverage is also rocketing. The most efficient service providers, i.e. those who can best
guide clients through the dispute resolution process - in whatever form it takes - are set to thrive. Legal protection
insurers have a proven ability to innovate and thus are well positioned to be leaders in this complex new terrain.
Implications of new technologies
Many people
• Legal complexity
As noted, regulation continues to grow, both in complexity and in reach. Today legal affairs have moved to the
heart of governance of both commercial and state organisations. Litigation is regularly deployed as a weapon
of competition; a fact made more complicated in the context of globalisation which juxtaposes legal systems.
Likewise, at the individual level litigation has extended into social, civil and professional lives.
Financial
problems
Job
security
Sceptisim
Stress
Compensation
Noting the abovementioned trends, could evolving client expectation and the possibilities offered by digitisation
have a disruptive effect on the delivery of legal services? The Congress agreed that with courts and legal professionals
struggling to meet demand, the way is open for innovators. Legal protection insurers support efforts to diversify
within the justice supply chain if it is in the interests of dispute resolution and thus mediation, conciliation and
restitution in kind are already delivering excellent results. As options increase, the opportunity is there for the legal
insurance profession to become the market leader in providing targeted dispute resolution advice.
Less urgent
Very urgent
Public
desorder
Criminality
Fraud
Few people
Dispute resolution 2.0 – empowering more people and driving innovation
Delegates identified consequences
of the economic crisis
7
... access to justice is far
from being synonymous
with access to the court
system.
The landscape is undergoing real transformation: the rise of parallel conflict resolution mechanisms emphasises this. In
other words, access to justice is far from being synonymous with access to the court system. Based on an analysis of dispute
resolution as practiced around the world, Maurits Barendrecht, Professor of Private Law at Tilburg University and head of the
Tilburg Institute for Interdisciplinary Studies of Civil Law and Conflict Resolution Systems (TISCO), notes that settlement is the
dominant and preferred model of resolution and that a decision by a judge or another adjudicator tends to be the exception.
And when third party decisions are required - from village courts in Bangladesh to contractual employment arbitration in
the US to online dispute resolution tribunals in Canada - there is a large and growing range of alternatives to the courthouse.
Furthermore, most lawyers, even those who are bastions of the traditional, adversarial approach, tend to have added ‘softer’
mediation techniques to their skill-sets.
Do you think that access to justice is easy?
Answer 1:
Yes
Digitisation is also proving useful in providing access to information that helps people to communicate,
negotiate and cope with problems. For instance, several websites now help clients to assemble legal documents
for a fee, using proven templates - from wills to divorce agreements to business contracts. Likewise, LPIs have
developed social media applications that allow clients to quickly estimate their legal risk. In the consumer
dispute area, internet retailer Ebay alone handles over 60 million buyer/vendor disputes per annum.
24%
Answer 1:
No
76%
Thus today’s providers of legal services not only have to contend with a burgeoning legal code when helping
their clients, they have to embrace the dispute resolution market in its entirety. Ultimately, empowering people
to negotiate fair solutions is key to access to justice. The LPI industry, which has a diverse and non-partisan
toolbox of juridical and non-juridical dispute resolution solutions, ranging from negotiation to mediation to
the courthouse, is primed to meet the demands of the next generation of customers.
t
Maurits Barendrecht,
... today’s providers of
legal services not only
have to contend with a
burgeoning legal code
when helping their clients,
they have to embrace the
dispute resolution market
in its entirety.
8
Professor of Private Law at Tilburg University and head
of the Tilburg Institute for Interdisciplinary Studies of
Civil Law and Conflict Resolution Systems (TISCO)
Say it loud
The value of insurance to society
Life is full of surprises. The realisation that there are many things over which we have no control - such as illness,
accidents, natural disasters - can have a paralysing effect on individuals, and business alike. And such fears if not
allayed can easily inhibit quality of life and economic growth.
Insurance, which developed from mutual assistance agreements, provides much needed protection in an uncertain
world. It does so through the management, diversification and absorption of individual and company risk. Today’s
practice of insurance offers a host of societal benefits - it boosts the insured’s sense of security, encourages loss mitigation,
increases prosperity and raises societal awareness of risk and stimulates risk mitigation through pricing signals.
So why, as Kathrin Hoppe, Insurance Regulation and
Supervision Expert from The Geneva Association, the
leading think-tank for the insurance industry, asked
the RIAD Congress, is such a significant and valuable
industry so often poorly understood?
“There are worse things in life than death. Have you ever spent
an evening with an insurance salesman?”
Today’s practice of
insurance offers a host
of societal benefits - it
boosts the insured’s sense
of security, encourages
loss mitigation, increases
prosperity and raises
societal awareness of
risk and stimulates risk
mitigation through
pricing signals.
Quote from Woody Allen’s film, ‘Love and Death’
Peace of mind
Insurance products offer a pathway to recovery following sudden misfortune and they deliver this through a
combination of service provision and by relieving the associated financial burdens. This protective role boosts
marketplace confidence and encourages individuals
and businesses to continue to invest their energies in
productive activities.
Over time, the insurance industry has developed
expert knowledge of diverse socio-economic cha­
llenges, ranging from the impact of demographic
change to natural catastrophes to managing secure
long-term investment. This deep understanding of our
world allows insurers to respond efficiently to evolving
societal demand. That is why it is typically far less costly
in the long run to be insured than not.
Kathrin Hoppe, u
Insurance Regulation and Supervision
Expert from The Geneva Association
9
... in the end insurers
of all kinds are selling
something that can’t
really be quantified,
namely, peace of mind...
The ability to accurately quantify risk, put a price on it and to be a driver of positive behavioural change, benefits people
and businesses everywhere. Curiously, for an industry so focused on risk analysis, measurement and modelling, in the end
insurers of all kinds are selling something that can’t really be quantified, namely, peace of mind…
Ongoing engagement
However, no matter how useful a product or service, it still requires effective customer engagement to thrive. Despite its
pervasiveness, awareness of the importance of insurance remains surprisingly low. And that is something all members of the
insurance industry need to address.
The panellists at the 23rd RIAD Congress emphasised that constant communication from all branches of the insurance
industry is needed regarding the positive role insurance plays. The communications effort is not simply about explaining
insurance products to existing or potential customers. Much insurance activity, a prime example being Legal Protection
Insurance (LPI), which widens access to justice for citizens and businesses, is positioned at the interface of the public and
private sectors - and so the industry also requires proactive engagement with policymakers in order to effectively promote
the vital contribution made by the sector.
A major market player
Insurers have a great story to tell. Insurance is a remarkable industry; it is no exaggeration to say that it is now fundamental
to modern societal and economic development. In 2010, insurance companies worldwide managed some US$24.63 trillion
in assets with pension funds representing a further US$30 trillion (City UK, 2011). In 2011, total premiums represented an
incredible 5.5% of world GDP (Swiss Re, 2012).
Despite its pervasiveness,
awareness of the
importance of insurance
remains surprisingly low.
And that is something all
members of the insurance
industry need to address.
10
In addition, the insurance industry directly employs millions of people worldwide and even more indirectly via
subsidiary service providers such as agents, brokers, financial intermediaries, IT support and so on.
Zooming-in on the LPI market2, which represents almost 2% of the total non-life insurance market, one sees that it
alone makes a significant economic impact. In 2011, in Europe LPI premium income amounted to €7,432m.
Say it loud!
... insurers should be
proud of their industry
and be more active in
seeking to spread the
word!
As Dominique Perben, Kathrin Hoppe and other contributors to the 23rd RIAD Congress noted, insurers should be
proud of their industry and be more active in seeking to spread the word!
As societies change, insurers need to regularly engage to remind everyone of the benefits of insurance. Advocating
insurance more strongly to policymakers means highlighting the value of LPI in facilitating access to justice.
Highlighting it to customers is about explaining how LPI can add value to their quality of life.
The Geneva Association’s ‘Social and Economic Value of Insurance’ campaign is very relevant in this context. It is
tackling head-on the very real challenge that insurers face in articulating their positive role in societies and economies
around the world. Through a research paper3, newspaper articles, blogs and a Twitter campaign (#goinsurance4), the
association is highlighting examples of how insurance contributes to economic growth, the management of a huge
range of risks as well as the stability of individual, institutional and even national finances.
http://www.riad-online.eu/fileadmin/documents/homepage/publications/Annual_Reports/RIAD-Report2013.pdf
https://www.genevaassociation.org/media/99535/ga2012-the_social_and_economic_value_of_insurance.pdf
4
https://twitter.com/search?q=%23goinsurance&src=hash
2
3
11
And say it again…
The 23rd RIAD Congress emphasised that the industry communications effort has to seek to continually engage and to repeat
the message across a growing range of communication channels.
... good communications
can help ensure that
customers are clear about
what they are getting.
Improving the understanding of the insurance mechanism is not just about demonstrating the socio-economic value of
insurance to policymakers. It is directly relevant to the management of consumer expectation. Insurance is based on a principle
of shared responsibility. However it cannot be assumed that each generation of policyholders will simply perceive their
premiums as payment for a shared risk. Mistaken expectations of guaranteed future payments or services need to be avoided
and good communications can help ensure that customers are clear about what they are getting.
As a good communication practice, insurers have to commit to ongoing education of their consumers about the nature of the
insurance contract. Clear communication is of particular relevance to insurance lines that are more specialised than others.
In fact, legal protection insurers are already leading the way in making the experience less complex for customers, via fixedfee products for example. And LPI can go even further in positioning itself as decipherer of (increasingly complex) law for its
customers and in providing easy access to relevant information.
Increasingly, customers also expect to be approached as active participants rather than passive consumers. None more so than
the generation of digital natives who expect to be able to find the answer they require at their fingertips, whenever they need
it. The dispute resolution service providers that can respond accordingly are well set to enhance their market position.
A compelling narrative
Figuratively speaking, today’s customer no longer ‘looks under the bonnet’ when deciding on a product. Awash with choice and
faced with what can seem like limitless information, customers want
brands they can trust. Communicating a story that resonates is the
best way to build such trust. To truly connect and to develop lasting
brand value the legal protection insurer’s outreach effort needs to be
based around compelling narratives that customers can identify with.
The Social and Economic Value of Insurance campaign ably
demonstrates how insurance provides peace of mind, enhances
consumption, favours entrepreneurial activity and fosters creativity
and innovation. More specifically, legal protection insurers, through
continuous customer engagement and product innovation can be
at the forefront of a more dynamic and interactive relationship with
consumers, businesses and policymakers; a relationship that drives
awareness of the range of possible dispute resolution solutions and
provides access to justice to more citizens and businesses.
12
What is Legal Protection Insurance ?
Legal protection insurance cover helps policyholders - both individuals
and business – to resolve their disputes while protecting them from
related expenses.
Originally focused on the reimbursement of lawyer fees and other costs
related to litigation, today’s legal protection insurers offer an innovative
mix of related services such as the provision of legal advice by lawyers
employed by the insurance company or by external lawyers.
Legal protection insurers may also support the client with out-ofcourt settlements or directly represent the policyholder in courts or
administrative proceedings.
13
If the thought of a
legal dispute is already
daunting today, the
societal trends mentioned
in the 23rd RIAD Congress,
coupled with the financial
crisis and the growing
complexity of law are
only set to exacerbate the
present situation.
Role models
Legal protection insurers lead the way
With litigation tending to be a slow, complex and expensive process, the legal system’s contribution to conflict resolution is
under immense strain. With demand far exceeding supply, dissatisfaction is high - as demonstrated by a study published in
March 2012 by IPSOS Vantis5, which found that 90% of French people abstain from pursuing their rights due to wariness of
engaging in the legal process.
If the thought of a legal dispute is already daunting today, the societal trends mentioned in the 23rd RIAD Congress, coupled
with the financial crisis and the growing complexity of law are only set to exacerbate the present situation.
So is the legal services market ripe for disruption?
Strengthening the justice supply chain
The experts at the 23rd RIAD Congress certainly noted that, globally, the justice supply chain is being enriched with innovative
solutions. Although access to law remains problematic at a societal level, there is much potential for increased access to justice.
New approaches to dispute resolution are springing up naturally and offer the possibility of basic justice care for a much
larger share of the world’s population. Rather than a disruptive innovation scenario whereby the application of a different set
of values ultimately and unexpectedly overtakes the existing legal services market, most expect the legal system to continue,
but as just one of a range of resolution options and one that is used in a more targeted and cost-effective manner.
Delivering value for money
The more one invests in a service the more one expects to get. This
maximum has not readily been applicable to the delivery of access
to justice via legal aid, however. In financially straightened times,
it is politically more difficult to justify the expense and length of
many legal procedures.
As Maurits Barendrecht6, noted, many justice-related innovations
stem from the need to deliver better value for money and to avoid
the litigation process. Legal needs research indicates that most
Source: IPSOS survey of French consumers for AXA Legal Protection - «Les Français et la
défense de leurs droits»
6
Towards basic justice care report: www.innovatingjustice.com
5
14
problems are solved by communication and negotiation between the parties. Settlement is the rule; typically only
between 3-10% of disputes require a decision by a judge or another third party adjudicator.
Empowering people to negotiate fair solutions is key. Access to information helps individuals to communicate,
negotiate and cope with problems. And ‘bottom-up’ approaches that are sensitive to local cultural specificities
derive greater user satisfaction than more adversarial approaches.
Ease of information
Legal information is most useful if it is understandable, tailored to the problem at hand and arrives just in time.
Until now, this information has been difficult to find without professional help. Today, technology is driving the
change desired by customers: IT platforms have emerged that promise to fill the information gap and to encourage
bottom-up approaches to solving disputes.
... many justice-related
innovations stem from
the need to deliver better
value for money and
to avoid the litigation
process.
For instance, websites such as Legal Zoom in the US allow users to assemble legal documents for a fee, lawyers are
also giving legal advice over the internet as a paid service. And self-help books and their online equivalents offer
legal information for a fee.
For disputes where a lawyer is required, customers are often at a loss as to how to find the right one. The unparalleled
advisory capacity and expertise of LPI in this area is clearly relevant here and insurers need to think about leverage
new forms of service delivery in the digital era.
The need for speed
In some situations, such as most consumer/vendor disputes,
the cases are not very complicated. The length of the litigation
process is simply far too long and costly for such types of
dispute. Not only are we seeing major brands innovate in this
area, but regional authorities are also beginning to recognise the
problem. In the Canadian province of British Columbia an online
dispute resolution tool7 has been launched. On such platforms,
the complainant usually goes through a diagnosis and legal
advice phase, then moves to assisted negotiation, mediation,
and if all else fails, adjudication. Very few cases go that far, most
are settled at an early stage.
7
http://www.consumerprotectionbc.ca/odr
15
The industry is a
proven innovator
in the legal services
market ...
In other more difficult dispute areas, including divorce, which can be amongst the most acrimonious and costly types of dispute,
innovation is proving beneficial and reducing the need for court time. There is an increasing supply of websites with information
and advice, online dispute resolution platforms, forms of mediation and fixed-fee service provision.
Mediation
The value of mediation was repeatedly mentioned during the 23rd RIAD Congress. Mediation and other forms of out of court
settlement should be encouraged more strongly8. Once dispute participants agree to engage in the mediation process the
results are overwhelmingly positive. It was felt that mediation remains an under-used mechanism and one that needs to be
encouraged by policymakers, the legal profession and insurers alike.
Which roles of legal protection insurers are for you of social and societal importance?
Answer 1:
Access to law and justice
Dominique Perben even suggested that legal protection insurers could help to influence mediation uptake positively
through the insertion of a mediation clause in legal insurance contracts.
48%
Answer 2:
Give people confidence
9%
Answer 3:
Economic security net for entreprises
4%
Answer 4:
Contribute to social welfare
6%
LPI in pole position
The transformed nature of legal risk, dissatisfaction with legal services provision and an enriched justice supply chain make
it a potentially dizzying time for providers of dispute resolution services. The Congress speakers felt that legal protection
insurance is set to be a rebalancing force in this new landscape.
Answer 5:
Settle disputes out-of-court
23%
Answer 6:
Legal knowledge to policy holders
10%
... insurers are adapting
to the new operating
environment and have
developed a rich palette
of solutions that today’s
more diverse and
individualistic marketplace
requires.
16
As a dispute resolution service provider, insurers objectively take note of different types of cases (such as neighbour, tenure,
or personal injury disputes), the growing range of suppliers (including lawyers, mediators, facilitators, etc.) and clients’ wideranging needs. Insurers do not have a vested interested in any particular link in the justice supply chain. Instead the focus
is on analysing the procedures, cutting-out unproductive elements and offering a wide range of good-value products to
provide the best fit for each type of client.
It is an exciting time for LPI. The industry is a proven
innovator in the legal services market and is now ready to
lead the way into a brave new world of off-the-shelf legal
products, in-house lawyers, online solutions, self-service
customers and (alternative) dispute resolution.
Ready to guide customers through this more nuanced
dispute resolution landscape, insurers are adapting to
the new operating environment and have developed
a rich palette of solutions that today’s more diverse and
individualistic marketplace requires.
For more about this subject see the 21st RIAD Congress report on mediation:
http://www.riad-onlineeu/491.0.html?&L=0in%882525252525252520Munich
8
Speaker biographies
The speakers at the 23rd RIAD Congress comprised a distinguished range of international expertise from the
political, insurance, legal and consumer protection fields.
Maurits Barendrecht
Professor of Private Law at Tilburg University
Maurits Barendrecht is Professor of Private Law at Tilburg University (NL). He heads the Tilburg Institute for
Interdisciplinary Studies of Civil Law and Conflict Resolution Systems (TISCO) where his research group studies
dispute systems (legal procedures, negotiations, mediation, and informal conflict resolution) through an
interdisciplinary lens with the focus on innovative, client-friendly, affordable and just in time mechanisms to
resolve conflicts such as divorce, consumer issues, land disputes and business conflicts.
Philippe Bocquillon
Lawyer
Philippe Bocquillon is attorney in Paris. He is the founder of a law firm that mainly deals with insurance, civil liability,
real estate, labour and intellectual property law. After being president of the National Confederation of Paris
Lawyers, he was elected member of the Board of the Paris Bar (2000 – 2003). Philippe Bocquillon was responsible
for the convergence of legal protection insurers and lawyers. He continued to work on this task as a Member of
the Board of the National Bar (2004 - 2007) and published several articles on this topic. Since 2011 he has been an
expert for the CCBE.
Andy Edwards
Moderator
Andy Edwards is an inspiring and motivating professional speaker sought-after throughout the world who delivers
memorable presentations on Business Relationships, Understanding Others, Influence, Attitude and Teams.
17
Barbara Haynes
CEO DAS Legal Protection Insurance Company Limited, Canada
Barbara Haynes is the founding President and CEO of DAS Legal Protection Insurance Company Limited, which launched
in Canada in 2010. She has more than 25 years experience in the insurance industry, with a background in underwriting
management, sales leadership, marketing and operations both with insurers and brokers. She is a Canadian Risk Manager
and a Fellow, Chartered Insurance Professional majoring in Underwriting.
Kathrin Hoppe
Insurance Supervisory and Regulatory Expert and Analyst at The Geneva Association
Kathrin Hoppe started her professional career as claims handler at ARAG Legal Expenses Insurance in Germany. She
subsequently managed the UK office of Interiura, an international claims handling network. In 2007, she moved to Brussels to
work for the European Insurance Federation (CEA) as Policy Advisor for Non-Life Insurance. Since 2011 she has been working
at The Geneva Association as an Insurance Supervisory and Regulatory Expert and Analyst of regulatory developments with
regard to its impact on large insurance groups. She is a lawyer and holds a Postgraduate Diploma in EC Competition Law
from King’s College, London.
Bernd Krieger
Director of the European Consumer Centre Germany (ECC Germany)
Bernd Krieger is Director of the ECC Germany in Kehl. The ECC Germany is a facility funded by the European Commission,
informs consumers of their rights in the EU and helps to resolve out-of-court disputes with traders in another EU country,
Norway or Iceland. Bernd Krieger has been active for over 20 years in consumer protection. The European Consumer Centre
Germany is part of the ECC-Net (European Consumer Centers Network), which is active for consumers in all Member States
of the EU as well as Iceland and Norway.
18
Armin Nassehi
Professor of Sociology, Ludwig- Maximilians-University Munich
Armin Nassehi has been professor of sociology at the Ludwig-Maximilians-University in Munich since 1998. His
research focuses on social theory, cultural sociology, political sociology, and sociology of organisations. In addition
to academia, he works as a keynote speaker, consultant and publicist in several fields. One of his recent projects
was for Swiss Re Centre for Global Dialogue in relation to longevity and mortality risk modelling.
Dominique Perben
Partner at Beauquier Belloy Gouvain Law Firm
Dominique Perben has led a highly successful career in French public administration. In 1986 he was elected
Member of the French National Assembly and he served from March 1993 to May 1995 as Minister of Overseas
France; from November 1995 to June 1997 as Minister of Public Service, State Reform and Decentralisation;
from May 2002 to June 2005 as Minister of Justice; and from June 2005 to May 2007 as Minister of Transport,
Infrastructure, Tourism and the Sea. Admitted to the Bar of Paris since May 2010, he joined the Law Firm Beauquier
Belloy Gauvain as partner.
Marie-Emmanuelle Schiltz
RIAD President and CEO of JURIDICA, France
Marie-Emmanuelle Schiltz is Chief Executive Officer of JURIDICA, the French legal protection insurance company,
a position she has held since 2007. She joined the AXA Group in 1987 and progressively took responsibility for a
range of projects and teams whilst supporting the marketing, actuarial and contract management functions, prior
to becoming the Executive Assistant to the President of AXA France. Marie-Emmanuelle Schiltz is a graduate of
the INSEEC Paris Business School. Besides being President of RIAD she also is Vice-President of the Groupement
des Sociétés de Protection Juridique (the French section of RIAD and representative body for the legal protection
insurance industry in France) and President of the legal protection insurance committee in the FFSA (the French
insurance industry federation). Marie-Emmanuelle Schiltz was elected RIAD Board member in June 2010 and RIAD
President In October 2012.
19
Participants list
Austria Belgium
Canada
Czech Republic France 20
Ingo Kaufmann Martin Ketzler
Elisabeth Scheuba
Leo Bouteligier
Elisabeth Crahay
Nele Cuppens
Gustaaf Daemen
Monique Dellau
Birgit Depauw
Anita Dermaut
Bruno Didier
Antje Fedderke
Edward Janssens
Isabelle Mattelaer
Stephanie Van Caeneghem Annemie Van de Wiele
Annette Van der Weken
Sophie Vannobel
Rob Vromen
Sara Zambelli
Pierre Guilbault
Barbara Haynes
Seval Turker
Jitka Chizzola
Roman Flek
Miroslav Ježek
Myriam Ahdjoudj
Hubert Allemand
Elisabeth Barreau
Juliette Baudot
Yasmina Benaceur
Aline Bertrand
D.A.S. Rechtsschutz AG
AVUS Group
Österreichischer Rechtsanwaltskammertag
BOUTELIGIER JANSSENS
DAS
DAS
DAS DAS
EUROMEX
DAS
Assuralia
RIAD
Orde van Vlaamse Balies
DAS
Assuralia
EUROMEX
EUROMEX
EUROMEX
EUROMEX
RIAD
FBA Legal Protection/Assistance Solutions
DAS Canada
DAS Canada
D.A.S. pojišťovna právní ochrany, a.s.
D.A.S. pojišťovna právní ochrany, a.s.
D.A.S. pojišťovna právní ochrany, a.s.
JURIDICA
CIVIS
ASSISTANCE PROTECTION JURIDIQUE
LA DAS
PROTEXIA FRANCE
Agence BERTRAND COSTE & GINESTA
France
Philippe Bocquillon
Christophe Boiton
CFDP ASSURANCES
Marie-Thérèse Bornet CIVIS
Guillaume Brunel
UNIVERSITE PERPIGNAN VIA DOMITIA
Jean-Manuel Caparros
JURIDICA
Marc-Aurèle Carucci
SCP DUPIF CARUCCI GOLLIOT
Patricia Chapelotte
ALBERA Conseil
Anne d’Andiran
CFDP ASSURANCES
Marie Claude Danjean
PACIFICA Crédit agricole assurances
Fabrice Delabi
LA DAS
Laurent des Brest
CFDP ASSURANCES
Dominique Dumesnil
AXA France
Claude Duvernoy
DROITFIL
Isabelle François
JURIDICA
Catherine Gignoux
CFDP ASSURANCES
Xavier Graffin
Aviva Assurances
Stéphane Grange
JURIDICA
Bérénice Jallais
AXA France
Claude Jouanneau
AVUS France
Romain Jourdan
CFDP ASSURANCES
Hervé Jubeau
ASSISTANCE PROTECTION JURIDIQUE
Emmanuel Kestenare
ASSISTANCE PROTECTION JURIDIQUE
Jean-Matthieu Lambert
JURIDICA
Hervé Lancelot
CGPA
Catherine Lardeau
PROTEXIA FRANCE
Jean-Pierre Le Bastard
MACIF
Mélodie Leloup-Velay
JURIDICA
Jessica Leroux
JURIDICA
Rose Marie Pardo
GROUPAMA PROTECTION JURIDIQUE
Dominque Perben
Beauquier Belloy Gouvain Law Firm
Philippe Rambaud
AXA France
Claire Riollier
PROTEXIA FRANCE
Jacques Roland
JURIDICA
Marie-Emmanuelle Schiltz
JURIDICA
Ousman Tall
JURIDICA
Valerie Vitiellot
CFDP ASSURANCES
21
France
Germany Greece
Hungary
Italy
Japan
Luxembourg
Netherlands Norway 22
Ingrid Wdowczyk
Nina Zolotovsky
Ralf Beißer
Thomas Bungard
Joachim Forcheim
Reinhold Gleichmann
Stefan Haas
Bettina Hesse
Wolfgang Hofbauer
Bernd Krieger
Armin Nassehi
Helmut Plote
Tarja Radler
Peter Dietrich Rath
Herbert Schons
Marion Sendlinger
Thomas Rainer Tögel
Klaountia Toupala
Julia Von Seltmann
Sabine Waldenmaier
Andreas Wetzel (Dr.)
Nantia Stavrogianni
Vassilios Tselempanis
Gyoergy Szabo
Roberto Grasso
Marco Rossi
Tomoji Hanzawa
Yurimoto Isamu
Nanae Kataoka
Michimasa Naka
Jacqueline Geleschus
Katia Urbani
Maurits Barendrecht
Trond A. Jacobsen
JURIDICA
JURIDICA
Neue Rechtsschutz-Versicherungsgesellschaft AG
D.A.S. Versicherungs-AG
AUXILIA Rechtsschutz-Versicherungs-AG
AUXILIA Rechtsschutz-Versicherungs-AG
D.A.S. International
ROLAND Rechtsschutz-Versicherungs-AG
DMB Rechtsschutz Versicherung AG
European Consumer Centre Germany
Ludwig-Maximilians-University Munich
D.A.S. Allg. Rechtsschutzversicherungs AG
DEVK Rechtsschutz-Versicherungs-AG
AUXILIA Rechtsschutz-Versicherungs-AG
Rechtsanwälte Schons
D.A.S. Allg. Rechtsschutzversicherungs AG
D.A.S. Allg. Rechtsschutzversicherungs AG
D.A.S. International
Bundesrechtsanwaltskammer
DMB Rechtsschutz-Versicherung AG
D.A.S. Allg. Rechtsschutzversicherungs AG
D.A.S. Hellas
D.A.S. Hellas
D.A.S. Jogvédelmi Biztosító Zrt.
DAS Italy
DAS Italy
Prevent SAST Insurance Prevent SAST Insurance Prevent SAST Insurance STORM HARBOUR
D.A.S. Luxemburg Allgemeine Rechtsschutzversicherung S.A.
D.A.S. Luxemburg Allgemeine Rechtsschutzversicherung S.A.
Tilburg University
Legal Insurance Group AS
Norway
Poland
Spain
Switzerland
United Kingdom Henrik Jensen
Legal Insurance Group AS
Dorota Kamińska
D.A.S. Towarzystwo Ubezpieczeń Ochrony Prawnej S.A.
Kamila Niewęgłowska
D.A.S. Towarzystwo Ubezpieczeń Ochrony Prawnej S.A.
Alburquerque Asunción DAS Spain
Enrique Ayuso
DEPSA
José Olivé
DEPSA
Angel Alvarez
FORTUNA Rechtsschutz Versicherungsgesellschaft
Markus Amacher
DAS Protection Juridique SA
Christoph Arnet
Coop Rechtsschutz AG
Max Baumgartner
FORTUNA Rechtsschutz Versicherungsgesellschaft
Alain Dondénaz
DAS Switzerland
Alain Freiburghaus
DAS Protection Juridique SA
Kathrin Hoppe
Geneva Association
Daniel Siegrist
Coop Rechtsschutz AG
Paul Asplin
DAS UK Group
Sheena Court
DAS UK Group
Andy Edwards
Matt Frost
DAS UK Group
David Gilchrist
Composite Legal Expenses Ltd
William John Graham
William Graham Law Limited
Richard Harris
DAS UK Group
Peter Holland
DWF LLP
Gareth Lloyd
DAS UK Group
Alison McClure
Blake Lapthorn
Kathryn Mortimer
DAS UK Group
Mark Rhoder
DAS UK Group
Daniel Scognamiglio
Blake Lapthorn
Jason Smart
Elite Insurance Co Ltd
Alan Strange
LAMP Services Limited
Paul Timmins
DAS UK Group
Simon Warr
AmTrust Europe
Kevin Whyte
William Graham Law Limited
Matthew Williams
AmTrust Europe
Lyndon Willshire
DAS UK Group
23
INTERNATIONAL ASSOCIATION OF LEGAL PROTECTION INSURANCE
INTERNATIONALE VEREINIGUNG DER RECHTSSCHUTZ-VERSICHERUNG
ASSOCIATION INTERNATIONALE DE L’ASSURANCE DE PROTECTION JURIDIQUE
Rue de l’Industrie 4
B - 1000 Brussels
Phone: +32 (0)2 732 36 28
Fax: +32 (0)2 732 06 22
secretariat@riad-online.eu
www.riad-online.eu