IGUiOR - SEKCJA WYKONANIA UMOWY UBEZPIECZENIA

Code of Ethics and the Fundamental Principles of business for Advisers compensation

CONTENTS

1 Preamble

2 Chapter I General obligations of the compensation consultants

3 Chapter II

1 Practice compensation consultants

2 Advertising and customer acquisition

3 Agreement and implementation of the orders

4 Chapter III The relationship between compensation consultants

5 Chapter IV Final Provisions

PREAMBLE

The dynamic development of the professional advisers, dealing with victims in order to obtain compensation or benefits from insurers with the need to develop common ethical principles of their activity, inter alia through the introduction of the Code of Ethics.
The foundation of the Code of Ethics is to protect people, which receives the services of compensation consultants, and the protection and dissemination of professional compensation consultants. In addition, the Code of Ethics provides guidance on the standards and principles, they have to follow in their business advisor compensation and the conditions of belonging to the Execution of the Insurance Section of the Chamber of Commerce and Insurance Services Risk and protecting the interests of its affiliated entities.

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Chapter I

General obligations of the compensation consultants

primary ethical imperative advisor compensation is widely perceived good of the customer.
compensation consultant in the profession has a duty to preserve the dignity and ethics and be guided by the laws and customs of the Code and also adopted in the social and working environment.
The business consultant compensation applies fairness, due diligence and professional secrecy, and executed by his actions should be transparent and accountable.
compensation consultant is required to continuously improve their service skills.
provisions of the Code apply to the compensation advisor without a time limit and the government.

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Chapter II

Art.1

Pursuit of the professional compensation consultants

role as advisor compensation is performed order to meet such information obligations towards the customer resulting in particular from consumer rights and do not expose the client and his family to further damage.
compensation consultant is to work to bear responsibility for acts performed in the course of their activities, in particular when concluding agreements with the client and during its execution.
damages Advisor is a person who has at least one university degree in education at MA level.
compensation consultant is required to use the name that will not be misleading as to the form and scope of business conducted and carried out orders.
compensation consultant in the business is required to avoid situations where there may be an infringement of the interests of their clients.
adviser compensation measures may not lead to circumvent the law.
compensation consultant carries out its activities in compliance with standards and codes of other professional groups, and generally accepted principles in this area of social intercourse.
Settlement advisors with colleagues is in the formula, which should not involve the client.
compensation consultant is responsible for compliance with the Code by its staff and associates and all persons performing its mandated.
scope of their operations by the advisor compensation should cover all activities that make up the execution of a contract of insurance or to obtain title to compensation or benefits to the payer, including the conduct of litigation. In the absence of the possibility of certain actions for compensation advisor must cooperate with other professional groups, companies and compensation consultants, which will enable him to conduct a client matter in a comprehensive manner and in accordance with its interests.

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Art 2

advertising and customer acquisition

Information Services compensation consultants should be easily accessible.
advertising services by the compensation advisor must be done in a fair and ethical. Is allowed any form of advertising that does not take place in an overt way, cunning, violates the dignity of the client or misleading.
is unacceptable

communication of false information, introducing the public and customers of confusion
making unrealistic promises or guarantees as to the extent possible to obtain compensation or benefits,
management surveys, telephone and internet inquiries to individuals, who are not present,
data capture customers in a manner inconsistent with the law by using information gained illegally, including through the use of other professional groups such as: doctors, nurses, law enforcement authorities, associations, funeral homes, prosektoria, etc.
akwirowanie or inducing customers to sign a contract

in medical care facilities,
in emergency transport, health and medical
in prosektoriach
in places of burial
at home,

if the customer specifically for information or a meeting at this point does not occur. To ensure objectivity in the selection of advisor compensation is essential that such a meeting took place in the presence of at least one trusted person designated by the client, which must be specified in the contract as a witness and should also sign on it. If that person does not or the client can not be its designation, the signing of the above. places is prohibited and may be held only at the premises of compensation consultants, or by correspondence.

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Art 3

Agreement and the realization of the order

Before signing a contract, you must have access to reliable, true and full information on its case, the actions that will be made during its implementation and those advisers claim. In the case of agent compensation consultants should have the original power of attorney, which must provide the customer and must be annexed to the agreement.
Agreement between the Adviser and assert a claim for damages must be made in writing.
content of the contract used by the compensation advisor must be transparent, clearly worded and unequivocally interpretation.
Agreement should be drafted in a manner that enables the individual to negotiate its terms, in particular with regard to pricing.
content of the contract used by the compensation advisor should be available at its premises and on its website.
It is desirable that the contract is consistent with current guidelines and recommendations of the OCCP.
The agreement should be detailed information about the run order, the amount of fees, how and when the settlement fee, the possibilities of termination and possible sanctions, which the client may incur in connection with the example . breaking the agreement.
interaction between client and advisor compensation should be based on mutual trust.
order should be implemented without undue delay, pursuant to the provisions of the agreement with the principles set out in the Code.
a rule, the fee is levied depending on the outcome of the proceeding whose result is the amount of compensation received by the customer or a service.
Height fee should be dependent on the contribution of the work that is indispensable for effective order routing and estimated to obtain the benefit. It is recommended that compensation consultants fee was not more than 20% of gross earned via compensation or benefits.
for interim benefits (eg pension) based on the calculation of compensation consultants fee is a maximum annual amount of periodic benefits granted to the client.
Mailing fee amount charged should be stated on the website of the compensation consultants.
compensation consultant may impose sanctions against the client in a situation where:

give the client lied when making the order or,
during the execution of orders, it appears that the issue commissioned by the customer is an attempt to extort compensation
customer terminate the contract and the claim made by the compensation consultant has been identified and it was carried out by the debtor for damages as a result of work carried out by a consultant,
client fails to pay wages within the periods specified contract
a loss of confidence between the parties to a contract solely the fault of the customer.

investigation duties under the sanctions imposed on the customer can only take place within the statutory provisions in this regard, the compensation advisor must first strive for amicable settlement of the dispute. < / li>
It is desirable that the information on penalties for attempts to defraud the compensation was in agreement, and that there was information that, in this case, a compensation consultant is obliged to notify the debtor to repair the damage and law enforcement.
In any case, you must inform the customer that required to repair the damage expressed a desire to conclude an agreement. In this case, before the signing of an agreement or arrangement for compensation adviser notifies the client about this possibility. Advisor compensation should inform the customer about the proposals required to repair the damage, what are the consequences for the customer signing the agreement, in particular, are irreversible, what kind of concessions have been made against the debtor for damages by the customer, determine any matter concerning the ongoing contract, what are the other pursuing a claim, or what steps you should follow to obtain the claim. Information must be communicated in a comprehensible form. Client's permission to conclude an agreement should be expressed in writing.
There is no incentive to conclude agreements with the general bound to repair the damage caused, if they violate the interests of the client unless the client is aware of such an agreement and agrees to the terms of its implementation in relation to their order and confirm that a statement made in writing.
If the circumstances of the business case justifies the claim on the path of litigation, an advisor to recommend a client presentation to the courts with information about the risks and costs, which in this respect can charge the customer .
adviser is obliged to provide compensation for the customer to inspect, copy or to return the documents, which in his possession and kept the order.
compensation consultant is obliged to forward the client, on request, information about at what stage of the case, what steps have been made and if it is possible to determine the date for completion order.
is permissible to transfer the amount of compensation awarded by the debtor to repair the damage to your compensation advisor. In this case, the settlement with the customer must be made no later than 5 working days from receipt of funds on account of the compensation adviser and obtain information as to allocate the amounts paid benefits.
financial resources provided to your compensation advisor must be given special protection. Financial resources the client can be folded and stored in a bank account just compensation consultants or other institution subject to supervision by public authorities, which indicates the client.
The means customer advisor compensation can not in any way dispose of.
Clearance order is in the formula by which the client had no doubt as to the amount of benefits received and any accounts that have been made in connection with his case.
In order to ensure the best possible protection of the interests of clients it is recommended that a compensation consultant in the business he had taken out a policy of liability insurance.
Advisor compensation bound by professional secrecy, ie full and without time limit confidentiality of the information and documents provided to him by the client or collected in the course of the assignment. Professional secrecy to the same extent as the compensation consultant also includes its employees, associates and all persons performing its mandated.

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Chapter III

relationship between compensation consultants who are members of IGUiOR

compensation consultant is required to ensure compliance with the law and the provisions of the Code by other advisers and their employees, associates and all persons performing its mandated.
interaction between compensation consultants based on mutual trust and respect.
It is desirable that compensation consultants exchanged between the information on their activities, carried out investigations with the rules of professional secrecy.
It is desirable to the public to criticize or discredit the advisers of the compensation by another consultant.
about all errors, violations of law or a code of compensation advisor must first notify the counselor, who committed the error.
Any conflict which arises between the compensation advisors will be resolved through an amicable settlement and, if necessary, before designated for that purpose IGUiOR representatives who are in dispute are required to maintain complete impartiality and their interference is limited only to mediation.
It is unacceptable that as a result of the ongoing dispute between counsel for damages suffered any damage the client.
In the absence of the dispute through amicable settlement, the dispute settled IGUiOR composed of 5 personal and issue an appropriate decision. In the case of a refusal decision by IGUiOR parties to the dispute have the option to settle the dispute through the courts.
If not parties to the conflict to comply with the decision of the IGUiOR, the consequence may even be excluded from among the members IGUiOR.

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Chapter IV

Miscellaneous

application of the provisions of the Code is voluntary and its adoption is done by a written declaration of compensation consultants to its acceptance and application, which is also one of the conditions of Advisers, as members of the Insurance Section Execution IGUiOR.
In case of breach of the Code or the law, by the compensation consultant who is a member IGUiOR, IGUiOR composed of 5 passenger can:

compensation consultants to provide warning in writing
for a final finding of a breach of law or subsequent breach of the Code or the Statutes IGUiOR exclude compensation consultant from among the members of the Section or IGUiOR.

For exclusion IGUiOR compensation consultants, IGUiOR notify the advisor compensation, the exclusion applies, in writing, stating the facts and grounds for exclusion.
compensation consultant Przyjmujący Code:

agrees to put his personal data (company) on IGUiOR, in the case of exclusion from among the members IGUiOR make this information available to the public, in particular, an appropriate notice on the website IGUiOR website stating the basis of exclusion,
post the information on the use of a code of ethics and membership IGUiOR SWUU on its website and in your own business premises, including the letterhead of his business.

Each adviser may ask for compensation for IGUiOR the interpretation of the Code and statutes IGUiOR.

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