Collaboration in the interest of consumers

In addition to offering a range of products that promote healthy lifestyles, encourage careful and responsible driving and promote the adoption of environmentally sustainable behaviours, the Generali Group is engaged in risk prevention in various ways, including through partnerships with industry associations and other organizations promoting the interests of consumers.

With regard to health and safety in the home, in France, in partnership with the national trade association Fédération Française des Sociétés d'Assurances (FFSA), Generali France was one of the founding companies of the insurers' health and prevention association (APS), which also publishes illustrated guides on the main topics related to health and the prevention of accidents in the home. In addition, as a member of the Association Française de l'Assurance (AFA), Generali France participated in the drafting of La Charte développement durable des assureurs (Insurers' sustainable development charter). The AERAS convention (s'assurer et emprunter avec un risque aggravé de santé) was also established in 2007 - supported by the Government, banking and insurance associations, patients and consumer groups - to facilitate access to insurance and loans by people who have or have had serious health problems in the past.

Over the last few years, various road traffic initiatives have also been carried out within the Generali Group.

In Italy, in order to act on the behavioural patterns of young drivers, the Associazione Nazionale Imprese Assicuratrici (ANIA), the Traffic Police and consumer groups signed the Patto per i giovani initiative, supported by Group companies which provide discounted rates for young people in certain age brackets who agree to comply with the code of conduct established in the policy. The Italian Group companies are also part of the Fondazione per la Sicurezza Stradale (FSS) - established within ANIA on a voluntary basis by insurance companies - which carries out traffic risk prevention activities, promoting the education of responsible driving. To this end, the website www.smaniadisicurezza.it includes a driving simulator with virtual routes which teaches users how to anticipate the dangers of the road. At the end of 2012, the Foundation launched Pensaci, a new social communication campaign that sends reminders about the responsibility of drivers. It is an invitation to reflect on the fact that dangerous behaviour can lead to accidents affecting both the driver and others.

In Germany, Generali Versicherung, the industry association Gesamtverband der Deutschen Versicherungswirtschaft (GDV) and the committee of the German road safety Deutscher Verkehrssicherheitsrat e.V., work together on initiatives to raise awareness about traffic risks.

In Spain, the Group participates in a project run by the national trade association Unión Española de Entidades Aseguradoras y Reaseguradoras es la Asociación Empresarial del Seguro (UNESPA) to provide clear product information. The Group also works with the association by supporting road safety campaigns and participating in research programmes sponsored by the Centro Zaragoza, UNESPA's research institute for vehicle repair and safety.