There is no doubt that building the future of contemporary countries depends on two things, the first: “the extensive use of the data of the Fourth Industrial Revolution” to continuously improve the state’s economies, and the second: “preserving and sustaining natural resources” to ensure the quality of the environment and life and to preserve the rights of future generations to a safe and stable life; Therefore, many countries seek to construct what is known as “smart systems” that reflect the countries’ desire and capabilities to create a smart knowledge-based economy based on modern technologies, a smart institutional environment, and to build more interconnected social relations, in order to activate the policies and strategies for achieving the goals of the third millennium, sustainable development, by building an infrastructure that can benefit from it. permanently and sustainably in development processes; Where there is no waste of time, effort or resources under any circumstances and in any way; Since the beginning of the twenty-first century, and there has been a wide and deep discussion being circulated in academic circles and within economic and financial decision-making institutions, its circles revolve around the great possibility of a (revolution in the world of the insurance industry) in general, and (the vehicle insurance industry) in particular, driven by the data of the two revolutions The third industries (3IR) and the fourth (4IR), especially after the emergence of self-driving vehicles, which imposes on the leaders of the insurance industry in the twenty-first century the inevitability of shaping the future by creating a kind of knowledge and application rupture related to the patterns and methods of thinking and management systems associated with this industry. And their economies and preparing the equipment to study their insurance risks, and how to maximize benefit from them? In order for it to quickly adapt to the variables of its highly complex competitive environment in which the institutions of this industry are active on the one hand, and it also requires it to respond quickly to face the challenges and risks arising from it on the other hand;

1. «Smart
vehicle
insurance
system«
Distance
Vehicle
Insurance
Dr. Yehia El-Zont
Science Researcher Strategic Management & Cyber Securityj
Dr. Yehia Atwa EL-Zont : Cairo - 2010

2. Smart
Organizations
Sustainable
Investment
Opportunities
Mutual
Benefits
(institution -
society -
people)
Clean
Environment
Strategic
Orientation
Dr. Yehia Atwa EL-Zont : Cairo - 2010

3. • Building the future of contemporary countries depends on two things, the first: “the extensive use of the data of the Fourth Industrial Revolution” to
continuously improve the state’s economies, and the second: “preserving and sustaining natural resources” to ensure the quality of the environment and life and
to preserve the rights of future generations to a safe and stable life;
• Therefore, many countries seek to construct what is known as “smart systems” that reflect the countries’ desire and capabilities to create a smart knowledge-
based economy based on modern technologies, a smart institutional environment, and to build more interconnected social relations, in order to activate the
policies and strategies for achieving the goals of the third millennium, sustainable development, by building an infrastructure that can benefit from it.
permanently and sustainably in development processes; Where there is no waste of time, effort or resources under any circumstances and in any way;
• Since the beginning of the twenty-first century, and there has been a wide and deep discussion being circulated in academic circles and within economic and
financial decision-making institutions, its circles revolve around the great possibility of a (revolution in the world of the insurance industry) in general, and (the
vehicle insurance industry) in particular, driven by the data of the two revolutions The third industries (3IR) and the fourth (4IR), especially after the emergence
of self-driving vehicles, which imposes on the leaders of the insurance industry in the twenty-first century the inevitability of shaping the future by creating a
kind of knowledge and application rupture related to the patterns and methods of thinking and management systems associated with this industry. And their
economies and preparing the equipment to study their insurance risks, and how to maximize benefit from them? In order for it to quickly adapt to the variables
of its highly complex competitive environment in which the institutions of this industry are active on the one hand, and it also requires it to respond quickly to
face the challenges and risks arising from it on the other hand;
introduction
• The transition of the world from the real world to the digital world, which caused an increase in the rates and levels of competition between the
“traditional / smart” insurance companies, which led to lower margins and revenues for the institutions that were left behind on the one hand;
Increasing customer expectations from the services of insurance companies on the other hand. Therefore, insurance companies must be fast-paced
in providing services that exceed customer expectations at accurate prices with which the customer feels fair.
• Insurance companies must implement smart marketing strategies that make customers feel valued so that strong engagement is generated;
• Flexibility and speed to market is crucial for carriers, hence the focus on offering smart and comprehensive insurance products. By combining
technological features in order to achieve increased underwriting and marketing productivity, as well as customer satisfaction in obtaining prompt
and appropriate product services;
• Developing and modernizing management systems, developing its organizational structures, and updating its policies and strategies to manage its
performance at the highest rates and levels of quality and excellence of insurance performance;
• In the field of car insurance, there are more complex challenges and fiercer competition, whether in the context of traditional car insurance or self-
driving cars and vehicles and related advanced cyber technologies.
In the context of the fourth industrial revolution, insurance companies have to face several challenges, including:
Dr.
Yehia
Atwa
EL-Zont
:
Cairo
-
2010

4. “Opportunities do not emerge except from the womb of crises.”
This vision aims to turn “my crisis: “traffic congestion, safety and security of roads and transportation” into “a
real opportunity for the leaders of the insurance industry.” And that is by “developing a smart insurance system”,
which is based on the idea that :
Linking the calculation of the value of “compulsory / optional” insurance premiums on
vehicles, with their driving rates and the distance traveled in kilometers, based on the data of
the “information technology and smart communication systems” revolutions.
By rationalizing the use of vehicles and private means of transportation, and establishing a “driving culture as needed” among Emirati
customers by motivating and attracting them towards increasing reliance on public transportation; Enhancing safety and security
capabilities on the roads in accordance with international standards
Smart car insurance system
Smart insurance company
Dr.
Yehia
Atwa
EL-Zont
:
Cairo
-
2010

5. Vision &
Objectives:
Increasing the state's resources from vehicle insurance proceeds, and redirecting it towards raising the efficiency and effectiveness of public transportation.
Rationalizing energy and fuel subsidies incurred by the state;
By rationalizing the use of vehicles and private transportation, and establishing a “driving culture as needed” among Emirati customers, and motivating and attracting them towards increasing reliance on public
transportation;
Providing the necessary financial resources to improve safety and security factors on road networks in accordance with international standards;
Tightening security control over vehicles, reducing reliance on the human element, and monitoring and collecting the value of traffic violations technologically;
Transforming the losses of the auto insurance sector into profits or maximizing them and expanding the volume and quality of investment therein;
Progress towards achieving the international goals of the third millennium, related to the global trend towards the comprehensive and sustainable development of societies, by preserving the environment and confronting
climate changes by reducing the “global warming phenomenon” and emissions of harmful gases and substances.
Importance
of Vision:
- The importance of the vision stems from the fact that it seeks to establish a strategic alliance between applied sciences and between the social and human sciences, by harnessing the tools and sciences of traffic
engineering, computers and communication systems towards addressing the two crises of traffic congestion and the security and safety of road networks, with various social, economic, security, environmental, cultural
and behavioral dimensions;
- The economic, social and security feasibility of applying it and achieving its objectives;
- Keeping pace with what was imposed by global changes, including: countries' race towards achieving the international goals of the third millennium, and achieving the highest achievement rates for the goals of the
comprehensive and sustainable development strategy "2030" and beyond, in addition to the ferocity of competition and the relentless pursuit of international companies to acquire the insurance markets in the
countries of the world developing.
Vision
assumes:
That it can reformulate the philosophy and concept of insurance industry management systems, by expanding its strategic dimensions, by including the political, social, cultural, technological and environmental
dimensions to its traditional economic dimension, in a world where scientific and practical efforts are combined towards serving people, and harnessing modern technologies to improve the quality of human life, in its
various dimensions. This is done by connecting all cars via wireless remote communication technologies to a computerized information network. create new value and revolutionize business; and creating new mobility
services. Through connected services that use big data:
Cars equipped with navigation systems in which the insurance company can collect driving data, and which have the ability to connect to the Internet, are eligible for the new insurance plan.
Telematics refers to systems that provide various types of information and services using on-board devices, such as navigation systems, GPS systems, and mobile communication systems.
The discount rate for the entire insurance premium is based on the annual mileage.
Finally:
This vision aspires to lay a brick in the path of bringing about a real revolution in the worlds of "insurance industry and traffic safety and security" by bringing about a kind of rupture in
the philosophy of managing the insurance industry, not only with the aim of maximizing its profits and economic gains, but also by directing it towards addressing the social and security
problems of the society that hosts its activity as well. By devising mechanisms and creating efficient and effective work strategies and systems that will address one of the most important
problems facing contemporary governments and societies, represented in: security and safety of roads and traffic, and raising the levels and rates of their performance, in accordance with
standards of excellence in global insurance institutional performance.
Dr. Yehia Atwa EL-Zont : Cairo - 2010

6. • How can make a real revolution in the world of
insurance industry?
• What are the ways to overcome the challenges of
the insurance sector and its institutions in the
twenty-first century?
• What are the policies and strategies through
which it is possible to confront the globalized
competitive insurance industry environment?
• What are the size and type of threats facing the
Arab and Egyptian insurance industry in the
twenty-first century?
• Threats related to the presence of new
competitors
• Threats related to the power of negotiation
with customers and suppliers
• Threats related to innovation and digital
transformation and the provision of non-
traditional and non-traditional insurance
services and products
• Threats related to competitiveness and new and
emerging markets
• Threats related to the internal weaknesses of
the organization's performance management,
leadership systems, decision-making and
making, the organization's relationship with its
employees, the prevailing organizational
culture, etc.
• Threats related to managing insurance services
and customer relations before, during and after
service
The
big
question:
What
is
the
real
solution?
indoor environment
external environment
strength point(S)
Strength
vulnerabilities(W)
Weakness
opportunities(O)
Opportunities
strategy(SO)
Maxi- Maxi
It means using the elements
of strength to seize future
opportunities. (Offensive or
expansionary strategies)
strategy(WO)
Mini - Maxi
It means using strengths to
cover weaknesses and remedy
them to take advantage of
opportunities. (Development-
oriented strategy)
threats(T)
Threats
strategy(ST)
Maxi - Mini
It means relying on strengths
and maximizing them to be at
the level of threats and trying to
limit them and mitigate the
effects resulting from
them.survival strategy)
strategy(WT)
Mini - Mini
It means relying on downsizing or
sharing operations so that
weaknesses can be addressed and
threats can be addressed.
(aDefensive oriented
strategy/deflationand deathslow)
Monitoring, monitoring and evaluationand
strategy evaluation
Assessment of the internal
environment.
(strengths/weaknesses)
insideInsurance sector/institution
the
cultureSocialprevalent
in
society
)
values
/
tendencies
/
beliefs
/
trends(
Culture
changeregulatoryprevalent
in
insurance
companies
)values
/
tendencies
/
beliefs
/
trends(
Assessment of the external
environment
(local, regional and international)
(Opportunities / Threats)
The Architecture design of the "proposed" strategic vision
VisionThe strategy
Mission / core values / philosophy/ObjectivesThe strategy.
Administrative strategic alternatives / insurance services
to chooseappropriate strategy
Deciding to implement the chosen strategy
Internal
professional
reform strategy
Innovation
strategy and
product focus
Smart insurance
performance
strategy
Strategy distinguishes
strategic performance
Dr.
Yehia
Atwa
EL-Zont
:
Cairo
-
2010

7. • Achievement of the national insurance industry to the highest rates of excellence, leadership and global competitiveness, by
maximizing profitability, limiting losses and reducing the cost of revenue, in a way that supports the strategic direction of the
state towards achieving the economic, technological and environmental goals of the third millennium, and in a way that raises
rates and levels of quality of life for citizens, as one of the most important goals of the global trend towards development
Comprehensive and sustainable "2030" and beyond.
Vision::
• Our institutions seek to enhance their own capabilities, maximize their intellectual and social capital, and encourage and motivate human resources to provide
innovative insurance services and products. Through which we achieve leadership in the excellence of insurance business;
• We seek to achieve a competitive position at the global level in the insurance industry by opening new markets with innovative insurance products and services,
and maximizing returns in a way that supports the pillars of the national economy.
• We aim to develop and reinvest our revenues to provide the highest levels of security and safety for roads, transportation and traffic in accordance with
international safety standards, thus enhancing the community’s confidence in our institutions.
• Using the latest systems of smart communication technologies to serve our customers, in a way that enhances and supports governance factors in our sector and
its sustainability; In order to achieve the state's comprehensive and sustainable development goals;
• Opening up to our local communities and achieving effective and efficient institutional participation with all official and civil society institutions and their
governance;
• Striving to change the culture of society and individuals and their view of the insurance industry, in a way that preserves the security of society and the safety of
the transport and traffic road network and tightens control over it, and in a way that preserves the citizen’s human rights and dignity, and creates for him a
sustainable culture of insurance and security, and establishes his confidence in the ability of his governmental insurance institutions to deal with his daily
problems And provide practical solutions that work for the present and the future.
Message:
• "Together: we build our future.. and with our capabilities: we create it
instead of observing it or keeping pace with it."
Philosophy :
Dr.
Yehia
Atwa
EL-Zont
:
Cairo
-
2010

8. political
objectives
economic &
competitive
objectives
Objectives to
distinguish
strategic
performance in
the insurance
sector /
institution
social &
cultural
objectives
Security
objectives
“traditional
& cyber”
Environmen
tal & health
objectives
Smart
objectives
groups The
strategy
1.Reducing the fuel subsidy gap incurred by the state budget, and redirecting it to
other areas, such as: education, health, and others.
2.Maximizing the returns of the national insurance industry, rebuilding the
capabilities of national insurance companies and their management systems,
and enabling them to achieve global competitiveness.
3.Provide the necessary financial resources to raise the efficiency of road networks
and transport safety.
4.Increasing reliance on public transportation and mass transit, which
magnifiesresourcesCountry.
5.Reducing pressure and increasing demand for foreign currency, by reducing
operations to import vehicles and spare parts from abroad.
6.Reinvesting revenues in establishing new economic projects, the most
important of which is raising the efficiency of public transportation.
7.Confronting "global transnational insurance companies", providing insurance
services that achieve a competitive advantage over them in their markets and
expanding into their markets .
.
1. Confirming the principle of national sovereignty of the state, and its ability to impose
its prestige and enforce its laws.
2. Restoring citizen confidence in the government and its ability to provide safe traffic
services, in accordance with international standards for global road safety and security.
3. Maximizing the use of information technology revolution data and modern
communication systems", in improving the environment and raising the rates of quality
of life for citizens.
4. Progress towards achieving the international goals of the third millennium, related to
the global trend towards the comprehensive and sustainable development of societies,
by preserving the environment and confronting climate changes by reducing the “global
warming phenomenon ”and emissions of harmful gases and substances.
 The first group stnemele ,ti llac :
( Hardware )
, namely: systems
(Systems )
, and the structure( Structure )
, and strategy
(Strategy.)
 the second group stnemele ,ti dellac dna :
( Software )
, which consists
of: the prevailing cultural style( Style/culture )
, and staff(Staff )
, skills
(Skills )
, and common values( Shared values.)
1. Developing the community's environmental awareness of the culture of
sustainability and the rights of future generations to a clean environment
free of emissions and pollutants resulting from transportation, and the
importance of combating the repercussions of global warming.
2. Combating the phenomenon of road accidents in all its forms and
manifestations, by controlling the behavior of vehicle drivers.
3. Effective and efficient insurance participation in the processes of
participation in the material and physical risks resulting from road
accidents, and expanding them, such as: bearing part of the costs of
treating the injured.
4. By maximizing the benefit from building the capabilities of the insurance
system, and achieving the highest levels of quality of life for citizens
1.Contribute to the tightening of cyber security control over vehicles;
2.Contribute to solving traffic congestion by electronically reducing the number of cars
traveling in the streets and roads.
3.Documenting insurance breaches «the terms of the insurance policy», reaching the highest
rates of security and safety of transport and traffic on road networks, and reducing the
number of accidents and the resulting damages.
4.Establishing "written and illustrated" databases with the aim of tightening control over the
movement of vehicles and following them up, to support the security decision-maker.
5.Raise rates of seizure of violating vehicles and the amount stolen.
6.Raising the efficiency of road networks and providing the necessary financial resources to
support them with security services in their comprehensive concept, including “ambulance /
maintenance / lighting / .. etc.
7.Activating technological and communication resources in security work, raising the
efficiency of human resources to deal with them, training them on them and providing them
with the necessary skills.
1. Developing community awareness of the importance of the insurance industry, and consolidating
its culture.
2. Spreading the culture of traffic safety and road security in the community.
3. Rationalizing individuals' reliance on private means of transportation, and raising the efficiency of
public transportation.
4. Raise the efficiency of the family and citizens' economies, reduce the financial burdens borne by
the family to provide a private means of transportation, and the costs of its maintenance, by
extending the life span of private vehicles, and reducing the maintenance costs they bear.
5. Establishing subsidiary logistical service projects to facilitate traffic, such as: constructing vertical
garages in crowded areas, and next to the main public transport stations, activating the customer
service system by providing distinguished transportation services when called for, providing mail
and parcel transportation services, providing reservation services for doctors and hospitals and
other services. Which indirectly contribute to reducing the use of private transportation.
6. Developing a sense of loyalty and belonging among the younger generations of society through
positive participation with state institutions and police agencies in achieving security on the roads,
and raising levels of trust and public satisfaction in light of the services it provides to them related
to daily life. Dr. Yehia Atwa EL-Zont : Cairo - 2010
Dr. Yehia Atwa EL-Zont : Cairo - 2010

9. Through the perfect amalgamation of
human behavior and technology,
information technologies are
revitalizing the auto insurance
industry. Information technologies
are still seen as "up and coming" and
new, but they will soon become the
norm As many auto insurers continue
to recognize the value of data and
tracking, the insured will have access
to more revolutionary auto insurance
programs in the future. Telematics are
high-tech equipment that can track
and monitor the movements and
behaviors of a vehicle. It is an
automated communications system
that collects data from the vehicle and
sends it to insurance companies via a
variety of tools and applications. To
collect, store, process and analyze
data, IT and cloud servers use RF, Wi-
Fi / Bluetooth Engine (GPS) and GSM
remote controllers using Global
Positioning System
Idea Pillars:
A group of tangible control pillars: legal, technological, administrative,
organizational and operational for the institution and for insurance policies - and
coordination with government agencies »
The intangible “psychological” pillars of control depend on marketing and selling the idea of
creating motivations and incentives for customers (inside and outside the institution) to accept
new insurance policies and services provided by insurance institutions, “the model of open
institutions.”
Objectives:
Control of the internal work
environment:
Adopting strategic corporate performance
management systems by adopting models
and standards that distinguish corporate
performance
Controlling the work environment
of the car insurance system:
Adopting technical control systems
specialized in the vehicle insurance
process:
The movement of vehicles and their
suitability for work «conventional -
hybrid - self-driving»
Controlling the driver's behavior «from
the beginning of the licensing and testing
processes to the end of the driving
journey»
Control over the road and its
compliance with security
specifications »
Controlling the cyber security
system of databases, networks, cloud
computing, etc
Participate in controlling the
external work environment
«competitive environment»
Government participation in setting
policies, laws and regulations
regulating the insurance process.
Establishing alliances and economic blocs
among the partners in the insurance
process to achieve fairness in market
shares
Activating the role of research and thinking centers and decision-
making circles in the insurance sector, with a focus on the
technological aspect and innovation of new insurance products and
services
Seeking to open new markets, especially in African
countries
Dr.
Yehia
Atwa
EL-Zont
:
Cairo
-
2010

10. The work of information technologies in the auto
insurance industry
• Information technologiesThey are computer-like, highly
intelligent tools that communicate with a vehicle using a
GPSGlobalGPSor other data collection methods. When a person
or company signs up for a telecommunications insurance plan,
their telematics device will connect to a cellular network and
regularly upload data to cloud software.
• He will riseThe insurance specialist then examines this data and
adjusts costs as necessary. Availability of all these data points
ensures that insurance programs reflect the latest risk
assessments and lead to outdated and unnecessary factors.
• He specifiesInnovation based insurancePremium usagein four
ways:
• insurancePay while driving–PAYD(Pay As You Drive Insurance -
PAYDElectronic sales and payments management organizations
«financial technology enabling systems«
• Driving insurance control–CYD(Control Your Drive Insurance -
CYD )Electronic tracking devices to be installedincompounds and
specifiesUsage-based insurance programs(UBI)Prices based on
how you use your vehicle .
• Pay how you drive insurance–PHYD(Pay How You Drive
Insurance - PHYD)
• InsuranceBased ondistanceDistance basedInsurance
Dr. Yehia Atwa EL-Zont : Cairo - 2010

11. A comprehensive risk and protection management program can be created easily using all the
data obtained through information technologies. Let's take a look at how this innovation has
changed the entire landscape of the auto insurance industry!
• The use of information technologies in car insurance policies encourages drivers to be more aware of their driving
habits and behaviors. Drivers are more careful on the roads because the insurance company tracks and rates their
driving behaviors using real-time data. As a result, fewer accidents occur on the roads.
Decrease in the number of accidents
• Each vehicle connected to a device can be tracked remotely using the device's GPS feature. Since drivers will be
aware that their locations are being monitored, this improves driving methods.
• These tools also support an "invisible boundary" that sends an alert if the vehicle ventures out of approved areas.
As a result, there is less personal travel on the job and potentially hazardous vehicles can be quickly identified
before any damage is done.
Improved driving accuracy
• The risk of theft can be reduced by using ICT. Both the vehicle and the contents inside are linked to the devices'
GPS and tracking features. These items can be easily tracked and recovered in the event of theft.
Theft claims decreased
• Telematics technologies can monitor vehicle driving patterns and provide updates for routine maintenance
requirements.. These tools can notify drivers when there might be a problem with the vehicle thanks to the data
they collect. This technology uses vehicle diagnostics to plan preventive maintenance and resolve costly emergency
breakdowns, delivery delays, and aging vehicles.
Reduce emergency maintenance
• The future of customer service depends on transparency! Customers can receive real-time updates on the status of
their orders using IT in both the delivery and purchasing vehicles. With the help of this function, customers are
guaranteed open communication, trust is enhanced, and delivery procedures become punctual.
Improved quality of service
Dr.
Yehia
Atwa
EL-Zont
:
Cairo
-
2010

12. Firstly:
Variables specific
to its global
environment:
Secondly:
Variables specific to its
national environment:
Third:
Internal work
environment
variables:
Macro
Environment
Globalization, warsAnd political
and economic conflicts between
large economic blocs and
alliances, natural disasters and
epidemics, scarcity of
resourcessupply chain
problemsEnergy sources, climate
change,...etc.
rising inflation, interest rates and
loss costs;
the looming threats of a global
recession;
the spread of epidemics - where
the effects of the Corona virus are
still present - climate change;
geopolitical turmoil and the
ongoing fallout from the Russo-
Ukrainian War;
Competition from non-insurance
entities such as e-dealers and
manufacturers, to name a few.
Management systems and methods,AndOrganizational structures, general
policies and strategies, and an orientation towards sustainability;resource
qualityRequired human resources and skills, methods of managing human
resources, work systems, operating hours from home / from the office - and
ratesWork turnover, methods of managing customer relations « before -
during and after the sale of insurance services,and technologies used,
managing relationships with partners and suppliers, processes for
developing and maintaining intellectual capital, focusing on innovation
processes in services and products, focusing on value creation, ... etc.
Political stability, the efficiency of the national economy and the extent
to which it is subject to governance standards, social variables and
unemployment rates, legal and media legislative factors, information
technology, communications and security systems...etc.
1: The growing demand gap between multigenerational customer bases
2: The gig economy
3: Rapidly changing digital space, systems and technologies
4: Growing concern about customer data privacy
5: The added strain of COVID-19
6: Risks associated with the ever-evolving social, political and economic
landscape
7: Threats of global competition
8: The impact of global changes on the insurance sector
insurance
industry
Several global reports indicatethatThe insurance industry in the world is facing a number of variables that will have
decisive effects on the future of this industry, and the most prominent of these challenges are:thatThe insurance
industry faces its strategic business environment.with its different levels of analysis «macro - micro -miso "
, it :
https://www.coforge.com/resource-library/point-view/8-challenges-threatening-the-insurance-industry-in-2020?__
https://www2.deloitte.com/content/dam/insights/articles/us175368_cfs_fsi-outlook-
insurance/DI_US175368_CFS_FSI-Outlook-Insurance.pdf
https://www.swissre.com/institute/research/sigma-research/sigma-2022-04.html
https://www.mckinsey.com/featured-insights/highlights-in-arabic/global-insurance-report-2023-reimagining-life-
insurance-arabic/en Dr. Yehia Atwa EL-Zont : Cairo - 2010

13. Cultural
challenge:
• The cultural and
ideological diversity of
Arab societies and
their view of the uses
and data of
information
technology and
communication
systems in the
insurance industry
Administrative
& organizational
challenge:
• Different goals and
strategic directions of
the relevant
institutions, conflict of
interests, and
bureaucratic
administrative and
organizational
stagnation.
Legal &
legislative
challenge:
• Diversity of legal
concepts and
legislation with the
rules of practice of the
insurance industry in
the Arab countries
Scientific &
technical
challenge:
• The reductive paradigm
prevailing in insurance and
traffic safety studies
without being holistic; The
scientific bias of each of the
researchers for their
scientific specialties. And
the monopoly of the
international companies on
the required technologies
Security
challenge:
• The diversity of
security risks and
threats related to
traffic and road safety,
and the multiplicity of
their causes.
Political
challenge:
• The political will and
decision to support
national companies to
confront the influence
of international
companies.
internal challenges
Dr. Yehia Atwa EL-Zont : Cairo - 2010

14. Auto Insurance:
Facts &Figures

15. The legal and legislative
mechanism
Unifying Arab legal concepts and legislations on
the insurance industry.
Reviewing the "collective agreements" - multilateral -
Arab concerned with road safety and security, as is the
case in the European Union countries.
Requiring all relevant institutions to activate
national legal texts related to the insurance
industry and traffic safety and security
electronically
Establishing an executive regulation to regulate
the participation of insurance companies in
issuing driving licenses with police agencies.
Imposing penalties and financial fines on
broadcasting companies and websites to
compensate the victims.
Media and political promotion of the actions
and measures taken to gain institutional and
societal legitimacy
The technological mechanism
The use of major international companies to
provide control and control technologies for
roads and traffic safety. "intelligent systems"
Establishing unified information bases for insurance
systems and linking them to information bases for
traffic safety and security systems and road networks.
Tightening control over providers of electronic
security and insurance services within the
borders of Arab countries.
Directing Arab universities, colleges and research
institutes towards localizing modern technologies in the
Arab countries, and benefiting from the recently
launched Arab satellite system.
Raise the efficiency of emergency response
techniques
Administrative and
organizational mechanism
Re-engineering the insurance companies' own
capabilities, and all their internal and external
operations, qualifying their human resources and
management systems to implement the strategic goals.
Integrating smart management technology into
insurance work systems, and linking them to
central information bases.
Activating the role of the Arab Insurance Federation, to
coordinate between Arab and foreign insurance companies.
And expanding areas of coordination with the Arab
Ministries of Interior, Investment and Communications,
Health.
Develop a general regulation to protect data and
information and all the rights of customers and
improve the operations of the provided services.
Expanding areas of security cooperation
between insurance companies and police
agencies, and automating them
Media and marketing mechanism
Developing a direct and indirect media and
promotional strategy for marketing the new
insurance products and services.
Diversifying tools and means of communication
with clients.
Gain customer confidence for new insurance
products.
Rebuild the culture of insurance in Arab
societies, and link it to the security and safety of
roads and the problems of traffic congestion.
Focusing on the services provided and projects
established from the proceeds of insurance
premiums.
Mechanismsand Waysovercomeon Selections
Dr. Yehia Atwa EL-Zont : Cairo - 2010

16. Manifestations and characteristics of reality in Egypt: According to some statistics in 2010/2011, the time of submitting a proposal to
obtain a patent for innovation from the Ministry of Culture and the Automobile Committee In union Egyptian World Insurance
It is noted that the
population of the Republic
increased by 1,725,803
million people, or 2.3% of
the total population in
2008.
2007
2008
2009
74,357,165 people
75,097,305 inhabitants
76,823,104 people
The amount of increase from 2007/2008: 470,136
people
The amount of increase from 2008/2009: 1,725,803
breeze
The percentage increase Appreciate 1%
The percentage increase Appreciate 2.3%
Total population (in
millions)
According to the data of the Central
Agency for Public Mobilization and
Statistics on 1/7 of each year, without
the numbers of Egyptians residing
abroad.
Total volume of licensed
vehicles (in millions)
According to the data of the Planning,
Follow-up and Technical Research
Department By management General Traffic
(annual report) 2009
2007
2008
2009
4,240,956 vehicles
4,688,628 vehicles
5,159,240 vehicles
The amount of increase from 2007/2008: 477,672
vehicles
The amount of increase 2008/2009: 470,612. vehicle
The percentage increase is estimated by 10.5%
The percentage increase Appreciate- 10.1%
It is noted that the volume of
licensed vehicles has increased by
470,612 thousand various vehicles,
an increase of 10% over what was
licensed in 2008.
Total issued driving
licenses (in millions)
According to the data of the Planning, Follow-
up and Technical Research Department By
management General Traffic (annual report)
2009
2007
2008
2009
8,423,234 licences
8,931,498 licence
9,469,750 licence
The amount of increase from 2007/2008: 508,264
licenses
The amount of increase from 2008/2009: 538,252.
license
The percentage increase Appreciate 6%
The percentage increase Appreciate 6%
It is noted that the number of
vehicle drivers has increased by
538,252 thousand various driving
licenses, 6% more than what was
registered in 2008.
Total number of traffic
violations (in
millions)
the aforementioned source
2007
2008
2009
12,946,224 violations
11,475,255 infringement
10,102,048 infringement
The amount of decrease from 2007/2008 - 1,470,969
violations
The amount of decrease from 2008/2009: - 1,373,207
violations
The amount of decrease in percentage Appreciate b-
13.6%
The amount of decrease in percentage Appreciate b-
12%
Where it is noticed that drivers'
violations of traffic rules
decreased by 1,373,207 million
various violations, i.e. 12%
compared to the violations in
2008.
Dr.
Yehia
Atwa
EL-Zont
:
Cairo
-
2010

17. List of licensed and existing
vehiclesby movement
Central Agency's reportMobilization and Statistics, Transport and
Traffic Sector, websitewww.sis.gov.eg .
the type of the vehicle
2007
2008
2009
Private cars
Caravan
Rent
On request and Ramses
Bus
general
private
tourism
Trips
schools
Transfer
trailer
Tractor
Motorcycle
political body
Temporary commercial
customs
public sector
Government
governorate
Dr.
Yehia
Atwa
EL-Zont
:
Cairo
-
2010
2,075,869
2,206,823
2,437,543
1015
113
1127
309,784
316,293
308,254
1569
1689
1821
16,153
16,598
16,981
24,527
28,452
30,893
12,343
15,101
15,932
22,314
25,405
27,701
6,319
7,069
8,499
724,792
767,849
832,123
56,947
70,932
62,891
22,872
23,064
21,408
793,107
995,781
1,166,481
4,034
4,026
5,026
12,229
19,265
12,316
25,126
28,942
45,935
33,495
31,356
28,211
58,548
58,343
63,424
38,827
38,535
41,929
4,239,866
4,656,636
5,137,495

18. The total length of the road
network (paved / dirt) in
kmmeter )
)sdnasuoht
According to the data of the Information Center
of the Public Authority for Roads and Bridges,
2009 report
It is noted that the
length of the paved
roads increased by
409 km, or 0.9%,
compared to what was
in the public network
in 2008.
The total number of
accidents that resulted in
human lossesmaterial (In
the thousands)
According to the data of the Planning, Follow-
up and Technical Research Department of
the General Traffic Department (annual
report) 2009
It is noted that the number
of registered traffic
accidents increased by
1855 accidents, i.e. 8.9%
compared to what was
recorded in 2008.
Total death toll (in
thousands)
the aforementioned source
It is noted that the number of
deaths in traffic accidents
decreased by 116, or 1.8%,
compared to what was
recorded in 2008.
total number of
injured (thousands)
the aforementioned source
Where it is noted that the
number of casualties in
traffic accidents decreased
by 270, at a rate of -0.8%
compared to what was
recorded in 2008.
Dr.
Yehia
Atwa
EL-Zont
:
Cairo
-
2010
2007
2008
2009
46,500km
47,553km
47.962km
The amount of increase from 2007
/
2008
1053km
The amount of increase from 2008/2009 :
409km
The percentage increaseAppreciate b 2.3
%
The percentage increaseAppreciate
b 0.9
%
2007
2008
2009
22,400accidents
20,938accidents
22,793accidents
The amount of decrease from 2007/2008 1462
accidents
Increase amount from 2008/2009 1855 accidents
The amount of decrease in percentage Appreciate b-
6.5
%
The percentage increase Appreciate -
8.9
%
2007
2008
2009
6,666dead
6,603dead
6,487dead
The amount of decrease from 2007 /
2008
63 dead
The amount of decrease 2008/2009 116 dead
The amount of decrease in percentage Appreciate -
0.9
%
The amount of decrease in percentage Appreciate -
1.8
%
2007
2008
2009
30,087injured
35,718injured
35,448injured
The amount of the increase 2007
/
2008
5631 injured
The amount of decrease 2008
/
2009
-
270 injured
estimated percentage 18.7
%
estimated percentage -
0.8
%

19. Manalworthy ofIt should be noted that traffic problems contribute to an increase in crime rates in society, which has negative repercussions on development.So it jamsCars and means of
transportation are considered a contributing factor in the commission of crime, and this can be indicated through the Following statisticsThe total number of stolen cars in the governorates
during 2010 is as follows
Misdemeanors of car thefts reported during 2010
provinces
Misdemeanor
car thefts
reported in
2010
Misdemeanors of
reported car thefts
2011
Misdemeanors of car thefts according to the method of committing them
Misdemeanors of car thefts by time and place of occurrence,
2010
Connect a
wire
original key
artificial key
stealthily
other means
(fracture-
compression -
prying)
day
night
within urban
areas
outside urban
settings
within urban
areas
outside urban
settings
Cairo
Giza
Qalyubia
Alexandria
subtracted
the lake
Kafr El-Sheikh
western
Menoufia
Damietta
Dakahlia
Eastern
Port Said
Ismailia
Suez
North Sinai
South of Sinaa
Fayoum
Bani Sweif
Minya
Asyut
the new Valley
Sohag
Qena
Aswan
The Red Sea
the shortest
Dr. Yehia Atwa EL-Zont : Cairo - 2010
1423
5521
1
71
1300
35
16
695
727
1
1111
3425
4
1091
14
2
626
484
1
286
1500
4
279
2
1
180
106
640
2511
635
1
4
328
1
311
15
27
1
13
1
13
2
227
440
226
1
169
58
36
125
36
20
16
208
615
1
207
137
71
80
241
79
1
39
41
49
124
4
45
28
21
244
511
242
2
141
103
201
835
3
196
2
129
72
47
118
46
1
37
10
132
565
1
131
85
47
41
75
1
39
1
16
25
93
261
1
91
1
56
37
5
22
5
2
3
19
108
18
1
11
8
1
27
121
27
21
5
22
160
21
1
10
1
11
14
143
14
9
5
131
15
80
15
5
10
16
93
15
1
16
1
13
52
13
6
7
11
6
1
10
1
9
1
4
7
4
3
1
4979
17817
1
92
4798
62
26
2783
2
2190
4

20. From the foregoing, it is clear that there is a rise and a decrease in the most important influencing elements associated with the occurrence of traffic accidents. It is also noted that
the relationships between the previous elements, which are considered an indicator to be taken, are divided into two types of relationships.. For example:
fixed items
An increase corresponds to an increase and vice versa
-The general census of the population / volume of licensed
vehicles
-General population census / issued driving licenses
Road network length/traffic volumes
An increase in one of the two elements of comparison is
correspondingly matched by an increase in the other element, and a
decrease in one element is matched by a deficiency in the other
element.
Changing relationships
The increase may be offset by an increase or decrease
-Volume of licensed vehicles/registered traffic violations
-Volume of licensed vehicles / number of traffic accidents
Number of traffic accidents / resulting human losses
This is the result of the measures taken to control traffic and the
extent of drivers' driving culture and methodsand their
commitmentBy the rules of safe driving and follow the instructions,
signals and traffic signs.
Some ArchaeologyThe consequence of the increasing number of cars
The increasing rise of cars results in various effects in various fields, including economic, environmental and social, the most
important of which are as follows:
 42
% is the percentage of fuel consumption
in the transport sector in Egypt, while the
global average was about 26% during 2004
.
 An increase in the volume of spending
during the last ten years, about 15 billion
pounds, and wasting about 300 billion
pounds in economic losses.
 222 deaths per 1000 km, the rate of road
accident deaths in Egypt in 2007, while the
global average ranges between It goes around
The global average if only 2004 cases per 1000
km.
Economic Effects
-High fuel subsidy bill.
-High production costs resulting from high transportation costs.
-An increase in the volume of spending during the last ten years, about 15 billion pounds, and
wasting about 300 billion pounds in economic losses.
The opportunity cost of wasted hours in heavy traffic
Social implications
- The deterioration of citizens' health as a result of air pollution from vehicle exhausts. Traffic
congestion affects the psychological state of the individual and levels of educational attainment.- The
economic and social level of Egyptian families was affected as a result of the high number of traffic
accident victims and deaths. The number of deaths resulting from road accidents reached 222 cases
per 1000 km in 2007, while the global average ranges between 4-20 cases per 1000 km.
Environmental effects
High levels of air pollution.
High rates of noise pollution.
Archaeologythe
wishsocial
-higher ratesdeathsAnd the injuries.
High rates of car thefts.
High rates of motor vehicle crime.
 The issuance of Resolution No. 72 of 2007
promulgating the compulsory insurance law for
civil liability arising from accidents of rapid transit
 Issuance of the Prime Minister's Decree No. 1828
of 2007 issuing the government fund to cover
damages resulting from accidents of rapid transit
vehicles within the Arab Republic of Egypt.
 42% is the percentage of fuel
consumption in the transport sector in
Egypt, while the global average was about
26% during 2004.
 The high number of cars that were manufactured
before 1990, which is reflected in environmental
pollution, the amount of fuel used and traffic
congestion.
 Low efficiency of road infrastructure and its
carrying capacity.
 Low volume of funding allocated for road
maintenance and construction.
 Low number of garages and their capacity
compared to the number of cars.
 The low quality of public transportation in
various ways and its inability to meet the needs of
citizens.
 Poor adherence to traffic rules.

21. A
proposal
to update
the
studies:
2023/2024
• The vision suggests that the General Federation of Insurance Companies in Egypt undertake pilot studies
aimed at the following:
• Statement of the economic and social feasibility of the proposed vision;
• Analytical studies dealing with the current situation on the following:
• The lengths of roads in Egypt and the classification of roads in urban and rural areas?
• The number of vehicles in Egypt, and their classification: private / taxi / heavy transport / light transport,
motorcycles, etc. In addition to: the number of public service cars?
• The number of road accidents, material and human losses, those affected by the loss of the family
breadwinner, treatment costs, partial and total compensation...etc; In addition to: repair and maintenance
costs, ... etc.?
• How many cars have been reported stolen?
• Current means of insurance « documents »? And costs and returns on insurance companies?
• Availability of traditional and cyber security requirements for “traditional – self-driving” vehicles?
• Environmental pollution rates and carbon emissions from vehicles
• A proposal for cyber insurance documents and the risks of digital dealing on the international
information network? Comparative case studies «local/regional/international»?
• The extent to which it is possible to put forward a proposal to amend the laws related to insurance, traffic
and road safety, and to participate in them in coordination with government agencies.
Dr. Yehia Atwa EL-Zont : Cairo - 2010

22. News coverage of the study: in the Saudi Al-Madina newspaper: a studyIt proposes “securing the kilometer”
to solve the traffic crisisArabic.. Date of publicationPublished: August 22, 2012 03:17KSA
https://www.al-adina.com/article/173635/%D8%AF%D8%B1%D8%A7%D8%B3%D8%A9-%D8%AA%D9%82%D8%AA%D8%B1%D8%AD-%D8%AA%D8% A3%D9%85%D9%8A%D9%86-%D8%A7%D9%84%D9%83%D9%8A%D9%84%D9%88%D9%85%D8%AA%D8%B1 -
%D9%84%D8%AD%D9%84-%D8%A3%D8%B2%D9%85%D8%A9-
%D8%A7%D9%84%D9%85%D8%B1%D9%88%D8%B1-%D8%B9%D8%B1%D8%A8%D9%8A%D8%A7
https://www.mubasher.info/news
It should be noted that the researcher obtained a patent for the idea, and it was registered with the Supreme
Council of Culture, under No. 2010000408 on 9/23/2010 / Central Administration for Literary Affairs and
Competitions / Copyright Department, as an innovative idea that no one had ever dealt with or applied before.
Before, according to TRIPS standards Globalism TRIP, (Agreement on Trade Related Aspects of Intellectual
Property Rights);
soresearcher obtained initial approval for the idea and validity applied From the General Federation of Egyptian
Insurance Companies (Cars Committee) in Its session held on Tuesday 2/11/2010, and it was registered with the
General Authority for Supervision of the Egyptian Capital Market, and documented in the Egyptian Real Estate
Month, on 9/23/2010.
Dr. Yehia Atwa El-Zont
To communicate:
yehiaelzont2020@Hotmail.com
https://www.linkedin.com/in/dr-yehia-el-zont-3007aa6a/
Dr. Yehia Atwa EL-Zont : Cairo - 2010