Forsikringsbranchen

    Car robber at night looking inside a car

    Forsikringsbranchen strammer kravene til sporingssystemer i køretøjer

    Mange luksusbiler og entreprenørmaskiner har en GPS-sporingsenhed installeret som tyverisikring. Fra 1. juni 2016 vil forsikringsselskaber i Danmark kun forsikre dyre køretøjer, hvis de har installeret et sporingssystem godkendt af DELTA.

    Af Nanna Bastved

    Når en ny BMW, Mercedes eller Range Rover triller ud fra bilforhandleren, er den med stor sandsynlighed udstyret med en GPS-sporingsenhed, så køretøjet kan spores i tilfælde af tyveri. Sporingssystemer installeres typisk i dyre luksusbiler og entreprenørmaskiner, men anvendes også i lystbåde, lastbiler og containere.

    Det er ikke kun køretøjets ejer, der ønsker et sporingssystem til at genfinde sit køretøj – de fleste forsikringsselskaber i Danmark kræver, at en GPS-sporingsenhed er installeret, før de vil forsikre køretøjet.

    ”Når forsikringsselskaber forsikrer et køretøj, overtager de også en risiko i tilfælde af, at køretøjet bliver stjålet. Risikoen bliver mindre, hvis der er et sporingssystem i køretøjet, idet det er lettere at genfinde et forsvundet køretøj,” fortæller Tine Aabye, ingeniør, Forsikring & Pension, der netop har indført nye godkendelsesregler på området.

    Behov for kontrolfunktion

    Pr 1. juni 2016 skal alle sporingssystemer til køretøjer have et godkendelsesstempel af DELTA, inden de kan optages på Forsikring & Pensions liste og derefter bruges i forsikringsøjemed. De danske forsikringsselskaber er blevet enige om at lave en fælles liste over godkendte sporingssystemer, som deres forsikringskunder kan vælge fra.

    I mange år har virksomheder, der sælger sporingsenheder på det danske marked, blot selv skullet indrapportere deres produkt til Forsikring & Pension med en underskrevet tro & love-erklæring på, at deres produkt opfylder lovkravene. Men det er ikke nok i dag, hvor markedet oversvømmes med importerede GPS-produkter, der ikke alle lever op til myndighedernes krav.

    Useriøse produkter sorteres fra

    Formålet med det nye kontrolsystem har også været at få frasorteret de useriøse producenter, som ikke har dokumentationen for, at deres produkter fungerer.

    ”Vi valgte DELTA til at varetage denne nye kontrolopgave, dels fordi DELTA har kompetencerne til det og kender de tekniske lovkrav. Dels fordi vi gerne vil benytte en uvildig og professionel 3. part til at validere, at sporingssystemerne nu også kan det, producenterne siger de kan,” udtaler Tine Aabye og fortsætter:  ” DELTA er en god sparingspartner og yderst kompetent til at varetage kontrolopgaven. Jeg har fuld tiltro til DELTA og det nye kontrolsystem.”

    Godkendelsen gik hurtigt

    Det har indtil videre været DELTA’s oplevelse, at producenterne har taget godt imod den nye ordning og ser det som en mulighed for at beskytte deres forretning og opnå fair konkurrence.

    Unik-Sikring i Brande var den første til at få godkendt deres sporingssystem hos DELTA og har været tilfredse med forløbet.

    ”Da jeg hørte om de nye regler fra Forsikring & Pension, kontaktede jeg DELTA for at sætte gang i godkendelsesprocessen. DELTA var meget behjælpelig med, hvilken information vi skulle have på plads. Så snart vi havde fremskaffet den nødvendige dokumentation, gik det hurtigt med DELTA’s godkendelse,” fortæller Villy Grevsen, ingeniør og direktør for Unik-Sikring, Brande.

    Han understreger desuden, hvorfor man skal sørge for at få godkendelsescertifikatet i hus: ”Uden godkendelsespapirerne kan man ikke sælge sit produkt med forsikringsselskabernes accept. Så enkelt er dét.”

    Den gamle liste slettes

    Forsikring & Pensions gamle liste indeholdt omkring 60 sporingssystemer. Hos Forsikring & Pension afventer man spændt, hvor mange producenter, der kommer på den nye liste i forbindelse med, at de nye regler træder i kraft.

    ”Vi har kørt med en overgangsordning på 3 måneder, hvor producenterne kan få godkendt deres systemer hos DELTA. Pr. 1. juni 2016 sletter vi den gamle liste med sporingssystemer, og så vil det udelukkende være den nye liste med sporingssystemer, der er godkendt af DELTA, der kan bruges i køretøjerne,” påpeger Tine Aabye.

    Kontakt

    For yderligere information om godkendelse af sporingssystemer til køretøjer kontakt Ole Hammer, seniorkonsulent, DELTA, tlf. +45 25 40 82 08, oh@delta.dk.

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    ENGLISH VERSION

    Car robber at night looking inside a car

    The insurance industry tightens the requirements for vehicle tracking systems

    Many luxury cars and construction machines have a GPS tracking device installed as an antitheft protection. From 1 June 2016, insurance companies in Denmark will only insure expensive vehicles if they have a tracking system certified by DELTA installed.

    By Nanna Bastved

    When a new BMW, Mercedes, or Range Rover leaves a car dealer it is most likely equipped with a GPS tracking device so the vehicle can be traced in case of theft. Tracking systems are typically installed in expensive luxury cars and construction machinery but is also used in boats, trucks, and containers.

    It is not only the vehicle owner who wants a tracking system to retrieve his vehicle – most insurance companies in Denmark require a GPS tracking device installed before they will insure the vehicle.

    “When insurance companies insure a vehicle they also take over a risk in the event that the vehicle is stolen. That risk is reduced if there is a tracking system installed in the vehicle, since it is easier to recover a missing vehicle,” says Tine Aabye, Engineer, Forsikring & Pension, who recently introduced the new certification approach.

    A control function was needed

    As of 1 June 1 2016, all tracking systems for vehicles must have a control certificate from DELTA before they can be included on Forsikring & Pension’s list of approved equipment and used for insurance purposes. Danish insurance companies have decided to make a joint list of approved tracking systems from which their insurance customers can choose.

    For many years, companies selling tracking devices on the Danish market just had to report their product to Forsikring & Pension together with a signed solemn declaration that their product meets the regulatory and insurance specific requirements. But that is not sufficient today, as the market is flooded with imported GPS products, not all of which comply with the requirements.

    Frivolous products are discarded

    The purpose of the new control system has also been to discard less serious manufacturers who do not have documentation showing that their products comply.

    “We chose DELTA to undertake this new inspection function, partly because DELTA has the needed competencies for this task and knowledge about the technical requirements. And partly because we wanted to use an independent and professional third party to validate that the tracking systems are able to do what the producers say they can,” says Tine Aabye and continues: “DELTA is a good sparring partner and highly competent to carry out this verification task. I have complete confidence in DELTA and the new control system.”

    A fast approval process

    So far it has been DELTA’s experience that producers have welcomed the new system and see it as an opportunity to protect their business and achieve fair competition.

    Unik-Sikring, Brande was the first to obtain approval of their tracking system at DELTA and has been pleased with the process.

    “When I heard about the new rules from Forsikring & Pension, I contacted DELTA to initiate the approval process. DELTA was very helpful specifying which documentation we should have in place. As soon as we had obtained the necessary documentation, DELTA’s approval process went fast,” says Villy Grevsen, Engineer and Director at Unik-Sikring, Brande.

    He also points out why companies selling tracking devices should make sure to obtain the approval certificate from DELTA: “Without the approval documents you cannot sell your product for insurance purposes. It is as simple as that.”

    The former list will be deleted

    Forsikring & Pension’s former list contained about 60 tracking systems. Forsikring & Pension eagerly awaits how many manufacturers will make it onto the new list when the new rules take effect.

    “We have offered a transitional period of three months in which producers can get their systems approved by DELTA. As of 1 June 2016 we delete the former list with tracking systems, and from then on it will only be the new list of tracking systems approved by DELTA, which can be used,” says Tine Aabye.

    Contact

    For more information about certification of tracking systems for vehicles, please contact Ole Hammer, Senior Consultant, DELTA, tel. +45 25 40 82 08, oh@delta.dk.

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