Samenvatting
The author examines the aim of insurance and the threefold approach currently being adopted by insurers in the majority of european countries: (1) insurers can act on rating in the light of the subjective risk represented by a given driver (bonus or malus); (2) funding by the insurance industry or organisations specialising in accident prevention; and (3) european insurers meet regularly in paris in the Comite Europeen des Assurances which has an accident prevention and road safety subcommittee, the main activities of which are: listing proposals or accomplishments in europe; co-ordinating information; and making concrete suggestions.