MAIF
6ème assureur automobile et 1er assureur du secteur associatif, MAIF couvre l’ensemble des besoins de plus de 4 millions de sociétaires (assurances de biens, prévoyance, santé, assistance, épargne, crédit…), pour un chiffre d’affaires de près de 4,7 milliards d’euros en 2023.
ID: 62975755109-62
Lobbying Activity
Response to Revision of EU rules on sustainable finance disclosure
30 May 2025
MAIF welcomes the European Commissions consultation on the revision of the SFDR, a key regulation for promoting transparency in sustainable finance. By empowering consumers and guiding capital towards responsible investments, the SFDR plays a vital role in supporting the transition to a fair, environmentally respectful, and biodiversity-friendly economy. MAIF's commitment to socially responsible investment MAIF has long been committed to a socially responsible investment policy aligned with the Paris Agreement, with a strong focus on social impact. As of December 31, 2024, 95% of MAIF Vies financial assets integrated environmental, social, and governance (ESG) criteria into their investment decisions. MAIF Group also pursues an investment strategy that directly contributes to the energy and ecological transition, with green assets representing 16.8% of the Groups portfolio. In 2022, MAIF reinforced its commitment to responsible investment by adopting a social strategy based on two core convictions: the need for an inclusive ecological transition and the promotion of a more inclusive society. By the end of 2024, 8.8% of MAIFs investments were dedicated to social issues. Moreover, all unit-linked life insurance products marketed by MAIF as of the same date fall within the scope of Articles 8 or 9 of the SFDR. Simplification to support greater ambition The revision of the SFDR represents an opportunity to enhance the coherence and clarity of the regulatory framework. MAIF supports the clarification of key concepts, including the definition of sustainable investment and the Do No Significant Harm (DNSH) principle. It is also essential to maintain a sufficiently broad scope of application, encompassing all types of investment vehicles, to ensure comprehensive and transparent information for consumers. In this regard, MAIF strongly supports the continued inclusion of euro-denominated funds within the SFDRs scope, as they represent a significant share of assets under management. However, consideration should be given to the specific characteristics of euro fundsparticularly in terms of size and compositionwhich may warrant adapted categorization criteria and evaluation methodologies to better reflect insurers commitments. Better coordination with other European regulations The revision of the SFDR must be consistent with other European legislative frameworks, particularly the Corporate Sustainability Reporting Directive (CSRD), which should remain a cornerstone of strategic management for European companies. While the simplification measures proposed in the Omnibus Directive are welcome to improve the readability of sustainability reports, they must not compromise the directives original ambition. Greater alignment between the SFDR and CSRD is necessary, while preserving their respective objectives. In addition, a broader alignment of the sustainable finance frameworkparticularly with the Insurance Distribution Directive (IDD)is essential to ensure consistency between product categories and the ESG preferences of consumers. A consumer-led approach MAIF calls for a revision of the SFDR that places consumers at the center. The current complexity of disclosures makes it difficult for retail investors to fully understand the information provided. It is therefore appropriate to initiate a discussion on simplifying the Principal Adverse Impacts (PAIs), with the aim of making them more accessible and understandable to consumers. MAIF supports the proposal from the Platform on Sustainable Finance to introduce a product classification system that is easier for consumers to grasp. However, this new classification must not add further complexity to the existing framework. A gradual transition, supported by a clear timeline and explicit mapping between the current Articles 6, 8, and 9 and the new categories, is strongly recommended.
Read full responseMeeting with Pascal Canfin (Member of the European Parliament)
28 Aug 2024 · Finance et investissements durables
Response to Revision of EU legislation on end-of-life vehicles
23 Nov 2023
MAIF, Frances 6th largest motor insurer, is a pioneer in the re-use of car parts. As such, MAIF : 1. Welcomes the measures concerning the recyclability of vehicles, but would like to see greater consideration regarding the reparability of parts / 2. Stresses the importance of making repair data accessible and supports the measures promoting vehicle traceability / 3. Welcomes the measures on ELV management, but warns that EPR requirements must be consistent at European and French levels
Read full responseResponse to European Sustainability Reporting Standards
6 Jul 2023
MAIF is a French mutual insurance company open to everyone. See attached file for our feedback. Main comments are : (1) MAIF welcomes the maintenance of the 12 sets of ESRS (2) MAIF wants a high degree of control over the materiality assessment (3) MAIF regrets the reduction in requirements compared with EFRAG's proposal (4) MAIF opposes the decision to make certain essential measures optional.
Read full responseMeeting with Pascal Canfin (Member of the European Parliament)
14 Nov 2022 · Green finance
Response to Data Act (including the review of the Directive 96/9/EC on the legal protection of databases)
26 Apr 2022
On 23 February 2022, the European Commission presented its proposal for a regulation establishing harmonised rules for fair access and use of data, known as the Data Act, which MAIF warmly welcomes.
Since 2020, MAIF has been working on the development of a European Personal Information Management Systems (PIMS) that will allow users to keep control of their data through their consensual and secure use within an ecosystem of trusted players. This work has been carried out in partnership with other players (technology partners, start-ups, and large French companies) from different sectors in order to have the largest impact for our approach.
This platform should contribute, not only to place the citizen at the heart of the management of his or her data when using digital technology (website, mobile app or the IoT), but also to further develop a more secure environment for their real-time circulation and storage.
In the light of this work, MAIF welcomes the objectives pursued by the Data Act, notably:
- Facilitate access to data and their use by consumers and businesses
- Facilitate switching between cloud and data processing services, at equivalent standards
- Implement a more level playing field for data sharing
- Remove barriers to 'hot data portability' and develop interoperability standards
Within the regulatory ecosystem under discussion at European level, the Data Act will be an additional tool for European digital sovereignty, allowing:
- To promote a fair distribution of the wealth linked to the exploitation of data along the value chain
- To place the citizen at the heart of this data economy
- To build a "Data as a Service" vision in which the consented sharing of data will allow access to tailor-made services requested by the citizen
MAIF has already shared with the European Commission, during various public consultations in 2020 and 2021, its proposals for placing the citizen at the heart of the data economy. Today, we would like to send our comments on the proposed Data Act.
1) Scope of the text (Art. 1)
We call on European public authorities to:
- Maintain the current categories within the text
- We agree with the necessity that the related service would be incorporated in or integrated with a product but do not expect the Data Act to insist on its essential aspect regarding the functioning of the product
2) Business-to-consumer and business-to-business data sharing provisions
We support the following provisions of the Data Act :
- Obligation for manufacturers to make data generated by the use of related products or services accessible to the user (Art. 3)
- Users' rights to access data generated by the use of a linked product or service (Art. 4)
- Possibility for the user to ask the data holder to make available to a third party the data generated by the use of a linked product or service (art. 5)
However, MAIF would like to share further comment regarding access to data, the provision of data and the sharing of data with a third party (see attached)
3) We fully support the provisions about the changing of data processing services (Chapter VI) and interoperability (Chapter VIII)
Nevertheless, we draw the Commission's attention to the need to take account of real-time data in order to make this portability fully effective.
Please find attached our full contribution to the Data Act.
Read full responseResponse to EU single access point for financial and non-financial information publicly disclosed by companies
22 Mar 2022
La Commission européenne a présenté, le 25 novembre 2021, le règlement ESAP, que MAIF accueille favorablement. Il porte des exigences ambitieuses :
- Renforcer la publication d’informations, financières et extra-financières, des entreprises
- Accroitre la comparabilité entre ces informations
- Eclairer les choix des différentes parties prenantes de l’entreprise
- Favoriser l’intégration des services financiers et des marchés de capitaux
Tout particulièrement, MAIF se félicite des points suivants dans le règlement :
- Mise à disposition d’un grand nombre de données, provenant de 37 textes européens, dans un triple objectif de transparence, d’accessibilité et de comparabilité
- Accès gratuit et non-discriminatoire aux données portant sur les activités et les produits des entreprises de l’UE qui relèvent une importance toute particulière pour les marchés des capitaux, les services financiers et la finance durable
- Inclusion, dans les données figurant sur ESAP, des informations de durabilité qui relèvent du champ de la CSRD (directives Transparence, Audit et Comptable)
- Contrôle de l’exactitude des informations
- Mise à disposition des données dans un « délai raisonnable » entre la collecte des informations et leur mise à la disposition
- Possibilités d’utilisation et de réutilisation des données, notamment via une fonction de téléchargement
MAIF, qui avait déjà partagé avec la Commission européenne, en amont de la publication du texte, ses propositions relatives à l’entreprise responsable européenne, souhaite aujourd’hui adresser ses commentaires sur la proposition de règlement ESAP.
1) Nécessité de maintenir, dans le champ d’ESAP, les directives Transparence, Audit et Comptable, afin de garantir la présence des données de la CSRD sur le point d’accès unique
2) Renforcement de l’accès à l’information des consommateurs
Nous attirons l’attention de la Commission européenne sur les remarques suivantes :
- Nécessité de faire figurer le consommateur parmi les parties prenantes principalement bénéficiaires d’ESAP
- Importance d’une interface user friendly et intelligible, avec un parcours utilisateur simple et intuitif, notamment via les fonctions de recherche, de visionneur des informations et de téléchargement
3) Saisie des informations et consultation sur l’ESAP
MAIF souhaite formuler les remarques suivantes :
- Nous nous félicitons de la présence, dans le texte, d’une double API :
a) De déversement des données, élaboré par les organismes de collecte (art. 5)
b) D’accès facile et de consultation des informations, élaboré par l’ESMA (art. 7)
Cette double APIsation est impérative pour garantir le bon fonctionnement du point d’accès unique.
- Sur la transmission, par les entreprises, aux organismes de collecte nationaux, de leurs données :
a) Nous insistons sur le fait qu’elle ne doit pas donner lieu à une double saisie : l’une au titre des obligations existantes ; l’autre au titre d’ESAP
b) Par ailleurs, il convient d’harmoniser les méthodes de transmission des données à l’organisme de collecte : manuel ou par API.
A ce titre, MAIF rappelle donc les principes suivants :
- Il reviendra bien à l’organisme de collecte de gérer, stocker et transmettre les informations à l’ESMA
- Le modèle d’accès aux données en libre accès (open data) doit être garanti afin de :
a) Eviter les risques de réutilisation des données à titre onéreux
b) Permettre l’utilisation et la réutilisation des données par le consommateur directement ou à des fins de construction d’outils au service du consommateur, de type impact-score ESG des entreprises (à l’image du nutriscore)
Notre contribution complète est jointe à cette synthèse.
Read full responseMeeting with Pascal Canfin (Member of the European Parliament)
1 Sept 2021 · Green finance
Response to European Digital Identity (EUid)
31 Aug 2021
MAIF welcomes the opportunity to provide a feedback on the regulation presented by the Commission on June 3rd establishing a European digital identity.
Since 2020, several legislative initiatives are being set and discussed to frame the data economy. These initiatives aim at allowing citizens to regain full control over their personal data and to benefit from the potential of the opportunities given by the digital transition. This is particularly relevant in the light of the Covid pandemic which has accelerated the need for effective and user-friendly digital services in the EU.
Therefore, MAIF supports the revision of the eIDAS Regulation to improve its effectiveness, extend its application to the private sector and promote trusted digital identities for all Europeans. This is a cornerstone of a true digital economy for European citizens and businesses alike.
The European Digital Identity is a building block in the concept of “data as a service” and an enabling tool to create a secure environment allowing citizens to share their personal data to receive tailored-made services from allowed entities. A broadly accepted public electronic identity is necessary for consumers and businesses to have access to their data and securely use the products and services they want, thanks to the voluntary sharing of their data.
We deeply believe that this current regulation is the relevant framework to give EU citizens a safe environment and empower them to:
- Have better access to their personal data, including real-time data
- Have a better control on which data they want to share, to who, how and why
- Benefit from the potential provided by an ethical data mining that respect the right to privacy.
In order to achieve this vision, MAIF is fully supportive of having Pan-European e-identification mechanisms that are secure, reliable, user-friendly and interoperable. Consequently, MAIF welcomes the will of the Commission to put citizens in the center of command for their data. It should include the following principles:
- A European Digital Identity allowing citizens to prove their identity and access online services, which will improve the digital market and foster innovation in Europe.
- Harmonized conditions for the establishment of a framework for European Digital Identity Wallets. These features would empower European citizens to share securely data related to their identity in a user-friendly way.
- Trust as the backbone of the regulation. The validation process should be in the hand of a national authority with common technical standards at EU level, including a high level of security.
- Large Platforms must use the digital identity to limit the collect of data, which will allow to control what data they want to share with online services.
- The European Digital Identity as a framework allowing public and private entities to create value out of the data legally obtained and processed, through the implementation of everyday-life services, with user friendly interfaces.
- The eIDAS Regulation offers the adequate framework to go a step further and transform into reality the “data as a service” vision into the Data Act. This approach relies on a better access and a full control by citizens to their personal data, including real-time data. That is why we call for:
1.The full enforcement of portability and interoperability between platforms to promote data sharing and free flow of data.
2.A European technical standard to allow a user-friendly environment for citizens to access their data in real-time and decide upon their sharing and where they want to host them. One solution that would deserve further thinking would be the creation of a living personal information management system, that could be a citizen personal space, based on a digital identity and fully mastered by citizens.
MAIF would be glad to share further comments with the European Commission, including use cases. Please find attached our full contribution.
Read full responseResponse to Revision of Non-Financial Reporting Directive
29 Jun 2021
Entreprise à mission depuis 2020, la MAIF accueille très favorablement le projet de CSRD qui pose des exigences ambitieuses en matière de publication d'informations sur la durabilité des entreprises avec un principe simple : plus d’informations durables, en provenance de plus d’entreprises.
La CSRD est un texte ambitieux qui doit permettre de libérer les données extra-financières des entreprises
1. Extension du champ des informations à communiquer
- Nous approuvons la proposition de la Commission de mettre en place de nouvelles obligations de reporting pour les entreprises.
- Nous suggérons néanmoins d’aller encore plus loin, afin de prendre en compte l’engagement des entreprises dans les domaines suivants :
* Prise en compte des intérêts des consommateurs dans l’élaboration des offres de l’entreprise ;
* Implication de l’entreprise dans le développement de son territoire ;
* Partenariats et mécénat de l’entreprise en lien avec des initiatives nationales d’intérêt public ;
* Consultation régulière des parties prenantes et association à l’évaluation de l’impact de l’entreprise ;
* Qualité de la relation entre l’entreprise et ses acteurs internes
* Capacité de l’entreprise à retenir ses clients
2. Nous soutenons les autres dispositions du projet de directive, notamment :
- Harmonisation des informations extra-financières
- Extension du champ d’application de la directive
- Nature des informations communiquées, aussi bien quantitatives que qualitatives.
- Emplacement du reporting au sein du rapport de gestion dans un format numérique
La CSRD est une première étape pour impliquer l’ensemble de la société sur les enjeux de durabilité. Elle constitue est un dispositif essentiel pour mieux impliquer les acteurs économiques dans les défis du développement durable en valorisant les données non-financières. Une seconde étape nous semble importante : assurer une plus grande accessibilité et comparabilité afin d’impliquer le consommateur et l’investisseur de détail. Deux leviers semblent particulièrement pertinents pour MAIF :
1. La mise en place d’une plateforme des données extra-financières des entreprises, alignée avec les critères et le champ d’application de la CSRD.
- C’est le sens du European Single Access Point (ESAP). Son alignement avec la CSRD est bénéfique :
* Pour l’UE : c’est un attribut de sa souveraineté et un avantage compétitif.
* Pour les entreprises : c’est un levier en faveur d’une plus grande compétitivité et d’une plus forte résilience.
* Pour les consommateurs : c’est l’assurance d’un meilleur accès aux données ESG et à une plus grande comparabilité entre celles-ci.
- Elle doit permettre un déversement automatique sur la plateforme des données communiquées par les entreprises relevant de la CSRD.
- Cette plateforme doit permettre la construction d’un indicateur global, plus ambitieux permettant de reconnaître et promouvoir l’impact positif des entreprises.
2. Un impact-score reflétant le degré d’engagement des entreprises
- Nous proposons de :
* Définir un socle de critères ESG commun à toutes les entreprises
* Définir une grille de notation de ces critères ;
* Traduire cette notation de l’entreprise en un outil colorimétrique (à l’image du nutriscore) qui figurerait sur ses biens et services.
- Cet impact score doit permettre de répondre à une triple attente pour le consommateur : meilleure compréhension, meilleure accessibilité et meilleure comparabilité des données ESG des entreprises.
- Son caractère public sera un gage de légitimité, de visibilité, d’objectivité mais aussi de clarté, face à la multiplication de labels privés peu lisibles et souffrant d’un manque de transparence.
- C’est un outil pertinent et transparent qui a vocation à être un indicateur du quotidien dans la consommation des citoyens.
Veuillez trouver notre contribution complète en pièce jointe.
Read full responseResponse to Data Act (including the review of the Directive 96/9/EC on the legal protection of databases)
24 Jun 2021
MAIF welcomes the will of the Commission to publish, by the end of the year, a Data Act to increase access to and further use of data. In this contribution, MAIF shares several key points raised in the inception impact assessment published on 28th May 2021.
The Data Act must build the basis for a European data economy that ensures fairness in the allocation of economic value among actors of the society and generate positive impacts on the life of European citizens.
The GDPR was a decisive first milestone in creating a true European culture on data and set strong standards for the EU and the world. The Commission is now going a step further with the Data Act. It is a great lever of sovereignty and economic growth, for an economy that works for the people.
The Data Act must be a frame that gives EU citizens a safe environment and empower them to:
• Have better access to their personal data
• Have a better control on which data they want to share, to who and why
• Benefit from the potential provided by an ethical data mining that respect the right to privacy.
However, we regret that the Commission’s vision does not fully embrace these subjects and we would like to underline the following remarks:
1. We regret that the inception impact assessment targets mainly B2B data access and use, forgetting the B2C approach.
The logic should be reversed and be focused on a citizen approach that puts forward the citizen/consumer as the only owner, controller, and user of his data.
2. Building a new data culture where citizens are in the center of command for their data requires to implement a solid European culture on data
MAIF calls for a clear legal framework and a political will to set a new European culture on data that would go beyond the GDPR and consider data as a service, to the benefit of EU citizens.
3. We regret that the inception impact assessment reduces portability to data generated by connected objects.
The Data Act is the right framework to enhance full portability for all individuals, on real-time and non-real-time data, not only from connected objects but also from data coming from public services, everyday consumption, mobility, etc.
4. Beyond portability, the Data Act should foster a genuine interoperability based on standards
This approach could allow public and private entities to create value out of the data legally obtained and processed.
Therefore, MAIF invites the European Commission to:
- Consider citizens and B2C approaches in the Data Act. The success of a “data as a service” vision relies on a better access by citizens to their personal data, including real-time data, and to decide with whom they want to share it, how and why.
- Foster economic competitiveness of EU undertakings which are willing to develop new services based on voluntary data shared by citizens.
- Promote new business models based on data sharing and support private entities digital projects in the context of recovery plans.
- Create the technical user-friendly environment allowing citizens to share their personal data and receive tailored-made services
- Encourage Members states to launch awareness campaign towards citizens to explain them this data economy and how they could benefit from it
- Design a European technical standard to deliver this vision and allow a user-friendly environment for citizens to access their data in real-time and decide upon their sharing. This framework must also empower citizens with the right to host their data where they want. One solution would be the creation of a living personal information management system (L-PIMS) based on a digital identity and fully mastered by European citizens.
- Develop a European technological standard allowing an effective interoperability between platforms to promote data sharing and free flow of data.
- Set up a High-Level Expert Group to work on these issues and to elaborate the future RTS.
Please find attached our full contribution.
Read full responseResponse to Declaration of Digital Principles
3 Jun 2021
MAIF welcomes the Declaration of Digital Principles that follows the Digital Compass Communication. In this contribution, MAIF would like to share its vision: a European digital model relying on a data driven society with citizens in the driving seat of the reuse of their personal data. MAIF agrees with the Commission that a comprehensive set of digital principles will strengthen the common understanding of a human-centered, secure, and open digital environment, and shape the European way for the digital society.
Those digital principles should be rooted in the following concepts: Neutrality of the intermediaries, Protection of personal data and privacy, Trustworthy and transparent information about the use of the data, Interoperability among various services, Data altruism. This declaration should highlight, as core principle, that the data belongs to the citizens. One of its aims should be to advance citizen control over their own personal data to enable all Europeans to make full use of digital and technologies.
The right to data portability (Art. 20 of the GDPR) gives individuals a general claim to move personal data between data controllers. This right not only strengthens the individual’s control over their own data, but it could also simplify service delivery for individuals. This could create opportunities for new business models and increase competition between digital service providers. Applications for citizens are numerous: smarter expenses management for household, better knowledge, and access to public subsidies (for instance for thermal renovation of housings), greater assessment of risks coverage…
The GDPR was a decisive first milestone in creating a true European culture on data and set strong standards for the EU and the world. It was a necessary step to ensure that personal data would not be misused and to prevent wrong uses detrimental to the interests of citizens.
There is now a path for a new legislation that would give EU citizens a safe environment and empower them to:
- Have better access to their personal data
- Have a better control on which data they want to share, to who and why
- Benefit from the potential provided by an ethical data mining that respect the right to privacy.
A new step would be to create the environment allowing citizens to share their personal data in their personal interest to receive tailored-made services from allowed entities. Such an initiative echoes with a greater will from EU citizens to have better access to the data they need, especially real-time data, to protect their personal data, as concerns over privacy grow, and to benefit from the digital transition. This would also be a key milestone to reach digital leadership at a European level and to promote high standards in the fields of portability and free flow of data.
The current crisis calls for a strong answer from the EU to achieve the digital transition, to foster EU’s resilience and sovereignty, especially towards GAFA, and to ensure every citizen can benefit from digital opportunities with a new vision: data as a service mastered by the citizens themselves. This initiative that will set common principles for a European way for the digital society could launch a process towards a clear vision for Europe’s digital transformation by 2030.
Therefore, MAIF invites the European Commission to:
- Design an appropriate European technical standard to deliver this vision and allow a user-friendly environment for citizens to access their data in real-time and decide upon their sharing. This framework must also empower citizens with the right to host their data where they want. One solution that would deserve further thinking would be the creation of a living personal information management system based on a digital identity and fully mastered by European citizens.
- Develop a European technological standard allowing an effective interoperability between platforms to promote data sharing and free flow of data.
Read full responseMeeting with Claude Bocqueraz (Cabinet of Commissioner Mairead Mcguinness), Katherine Power (Cabinet of Commissioner Mairead Mcguinness), Peter Power (Cabinet of Commissioner Mairead Mcguinness)
26 May 2021 · EASP & CSRD
Meeting with Pascal Canfin (Member of the European Parliament) and WWF European Policy Programme and AXA
7 Apr 2021 · Green finance
Response to Europe’s digital decade: 2030 digital targets
8 Mar 2021
MAIF welcomes the roadmap published in preparation of the future communication on a Europe’s digital decade. In this contribution, MAIF would like to share its vision about how a data driven society which puts citizens in the driving seat of the reuse of their personal data, would look like.
The GDPR was a decisive first milestone in creating a true European culture on data and set strong standards for the EU and the world. It was a necessary step to ensure that personal data would not be misused and to prevent wrong uses detrimental to the interests of citizens.
There is now a path for a new legislation that would give EU citizens a safe environment and empower them to:
- Have better access to their personal data
- Have a better control on which data they want to share, to who and why
- Benefit from the potential provided by an ethical data mining that respect the right to privacy.
The European legislation has created with several legislative initiatives, such as the Open data directive or the data governance act, a safe and ethical environment for the reuse of data by public and then private entities. These initiatives enable entities to create value out of the data legally obtained and processed. The ambitions carried out by the European institutions to increase digital skills of citizens, would also create a positive trend.
A new step would be to create the environment allowing citizens to share their personal data in their personal interest to receive tailored-made services from allowed entities. Such an initiative echoes with a greater will from EU citizens to have better access to the data they need, especially real-time data, to protect their personal data, as concerns over privacy grow, and to benefit from the digital transition. This would also be a key milestone to reach digital leadership at a European level and to promote high standards in the fields of portability and free flow of data.
MAIF calls for a clear legal framework and a political will to set a new European culture on data that would go beyond the GDPR and consider data as a service, to the benefit of EU citizens.
This would require first to develop pedagogical programs towards citizens informing them about the potential they can get from an ethical datamining that respects their right to privacy and would propose tailored-made services. The pandemic puts an emphasis on the decisive role of the digital for our economy but also for citizens in their daily lives to access basic services. MAIF strongly believes in citizens’ empowerment as a driving force for digital transformation.
The success of a “data as a service” vision relies on a better access by citizens to their personal data, including real-time data, and to decide with whom they want to share it with, how and why.
Therefore, MAIF invites the European Commission to:
- Design an appropriate European technical standard to deliver this vision and allow a user-friendly environment for citizens to access their data in real-time and decide upon their sharing. This framework must also empower citizens with the right to host their data where they want. One solution that would deserve further thinking would be the creation of a living personal information management system (L-PIMS) based on a digital identity and fully mastered by European citizens.
- Develop a European technological standard allowing an effective interoperability between platforms to promote data sharing and free flow of data.
Please find attached our full contribution.
MAIF is registered in the European Union's transparency register under the number 62975755109-62.
Read full responseResponse to EU single access point for financial and non-financial information publicly disclosed by companies
14 Jan 2021
The European Commission’s initiative aims at setting up a single digital EU access point to, among others, non-financial company information. In the context of the current call for feedbacks, MAIF, as a mission driven company, would like the make the following remarks to the European Commission.
1. MAIF warmly welcomes this proposition and strongly supports the idea that EU companies should disclose harmonized ESG information:
- We are convinced that the EU should initiate a discussion on a mechanism for recognizing and promoting provisions that foster the development of businesses and services with ESG positive impacts on stakeholders.
- We support the creation of a public, free of charge and supervised open data platform, providing access to ESG data from EU companies.
A public governance would ensure that the platform addresses all the stakeholders’ concerns and would guarantee an objective approach to the criteria put forward.
Information disclosed should be harmonized, easily comparable between one another and easily understandable, including for non-professionals.
2. This platform is only the first step that could eventually lead to a wider, more integrated and unified tool reflecting ESG impacts of European companies.
-In the context of the forthcoming work on the development of a common standards for non-financial information, we believe a further step should be considered to :
Provide a common set of ESG criteria for all companies;
Define a rating grid for these criteria;
Design this rating into a colorimetric rating system and label all the companies.
=> This so-called “impact score” would be the most efficient and simple tool and would allow EU citizens to compare ESG information disclosed by EU companies.
3. We would like to stress 3 complementary elements to the European Commission:
- The inception impact assessment published by the Commission in December 2020 studies, mainly from the investors’ point of view, the likely economic impacts a single EU access point to non-financial information.
It is true that investors should invest in products, companies or activities with high standards in terms of ESG criteria.
Yet, we regret that the EU’s approach does not address further consumer’s choices. Access to non-financial information would also be decisive for them in their consumption’s behavior, notably toward the most committed companies.
- We also believe that the single access point should not impose more burdens to EU companies.
That is the reason why we think that information disclosed in the annual report could be tagged and automatically transferred into the ESG platform. Consequently, it could avoid companies to make two reports, for the annual report and for the dedicated platform.
- The question of the language of that platform should also be raised: what language? Unique language? Multiple languages? What costs, either it would be for public authorities or EU companies?
We consider that the platform could be limited to 4 languages (i.e. English, French, German, Spanish). This would be the most reasonable solution on both a practical and a financial ground.
=> MAIF would appreciate to share further comments in a potential forthcoming consultation about the setting up of a European Single Access Point to ESG information.
Full contribution is attached.
About MAIF
MAIF is a French mutual insurance company, which is the sixth largest motor vehicles insurer, the fifth largest home insurer and the leading insurer in the associative sector in France. It covers all the needs of more than three million members in property insurance, personal protection insurance, health, assistance, savings, credit, etc. The mutual insurance company is regularly praised for its customer relation, where it regularly ranks first
With its 8 000 employees, MAIF group reached a turnover of €3.7 billion in 2019.
MAIF is registered in the European Union's transparency register n°62975755109-62.
Read full responseResponse to Revision of EU legislation on end-of-life vehicles
17 Nov 2020
Le nouveau plan d’action pour une économie circulaire, publié le 11 mars 2020, met au cœur de la stratégie de la Commission européenne la gestion des déchets et, plus précisément, le traitement optimal des véhicules hors d’usage (VHU).
MAIF, société d’assurance mutuelle, 6ème assureur automobile français, perçoit la révision de la directive relative aux véhicules hors d’usage comme un levier d’introduction d’un plus grand degré de circularité au sein de la filière de traitement des véhicules en fin de vie.
Consciente des impacts environnementaux, économiques et de sécurité de la chaîne de déconstruction des VHU, MAIF a structuré dès 2010 une filière de réemploi des pièces automobiles.
- Par la conclusion de partenariats avec des recycleurs et réparateurs professionnels agréés par l’Etat, MAIF permet à la fois de déconstruire un véhicule devenu techniquement ou économiquement irréparable, d’en recycler les pièces de carrosserie et de les proposer à ses sociétaires pour réparer leur véhicule.
- Mais cette filière vertueuse est aujourd’hui confrontée à la disponibilité limitée des pièces automobiles de réemploi.
Pour MAIF cette directive doit être un vecteur d’augmentation du nombre de véhicules déconstruits, d’accroissement de la disponibilité des pièces automobiles de réemploi et de renforcement des exigences en matière de qualité du recyclage des véhicules.
1. Accroître le nombre de véhicules déconstruits en améliorant l’identification des VHU.
MAIF estime que l’identification des véhicules hors d’usage peut être améliorée via une obligation chiffrée qui exigerait la déconstruction systématique des véhicules techniquement et économiquement irréparables de plus de 8 ans. Pour les véhicules économiquement irréparables, la destruction n’aurait lieu que dans le cas où le propriétaire du véhicule ne souhaite pas le conserver et le cède à son assureur. De plus, les exigences à l’égard des propriétaires de véhicules doivent être renforcées. Ces derniers pourraient être encouragés à céder leur véhicule irréparable à leur assureur ou, s’ils ne le souhaitent pas, à fournir un justificatif de destruction dans un centre VHU agréé.
2. Augmenter le volume de pièces de réemploi disponibles.
Le marché de la pièce automobile de réemploi est aujourd’hui trop peu développé. Augmenter son étendue permettrait aux initiatives vertueuses existantes de changer d’échelle et d’engager plus largement de nouveaux acteurs dans une logique circulaire. Certaines propositions formulées dans l’étude d’impact de la Commission européenne pourraient être des leviers de développement des pièces de réemploi :
- Introduction d’objectifs spécifiques en matière de réemploi ;
- Utilisation d’objectifs de recyclage par pièces et non plus en prenant comme base le véhicule dans son entièreté ;
- Anticipation de la déconstruction du véhicule dès sa conception.
3. Garantir une relation équilibrée entre tous les acteurs du marché.
La filière de pièces détachées de MAIF se base sur une bonne entente entre réparateur, expert d’assurance et recycleur. La révision de la directive de 2000 devrait être à même de permettre des relations équilibrées entre tous les acteurs de la filière de déconstruction des VHU.
4. Renforcer les exigences de qualité de la chaîne de traitement du VHU.
MAIF juge nécessaire de s’assurer que l’ensemble des VHU identifiés soient réellement déconstruits dans des centres ayant la compétence VHU. Ainsi, la directive renouvelée devrait interdire la sous-traitance de l’activité VHU à un partenaire qui ne serait pas agréé VHU et renforcer les exigences de déclaration des recycleurs auprès de leur autorité nationale de référence.
La version complète de notre contribution est jointe à cette synthèse.
Read full responseResponse to Sustainable corporate governance
8 Oct 2020
La MAIF, société d’assurance mutuelle française, perçoit la gouvernance durable comme une gouvernance de long-terme, qui met l’éthique au service de la performance et réalise pleinement l’alignement des intérêts de ses parties prenantes. C’est avec ce prisme que la MAIF souhaite partager sa vision et son expérience de l’intégration du long terme et de ses impacts sur ses parties prenantes dans sa stratégie.
La gouvernance durable place les impacts économiques, sociaux et de gouvernance (ESG) au cœur de la stratégie des entreprises : leur prise en compte est devenue une nécessité et une source de performance.
Le caractère durable de notre gouvernance s’incarne dans nos statuts, qui font de la MAIF une société à mission, et dans nos actions concrètes, au bénéfice de toutes les parties prenantes.
C’est à la suite de la loi du 22 mai 2019, relative à la croissance et la transformation des entreprises, que la MAIF a souhaité devenir entreprise à mission et inscrire de façon pérenne dans ses statuts ses choix en faveur d’une gouvernance durable, fondée sur sa volonté de construire une relation positive avec ses parties prenantes : ses sociétaires-clients, ses collaborateurs et plus globalement son environnement. Elle a ainsi inscrit dans ses statuts :
- Sa raison d’être : « Convaincus que seule une attention sincère portée à l’autre et au monde permet de garantir un réel mieux commun, nous, MAIF, plaçons cette attention au cœur de chacun de nos engagements et de chacune de nos actions. » ;
- Et les objectifs sociaux et environnementaux qu’elle se fixe :
« Placer l'intérêt de ses sociétaires au cœur de ses activités ;
Favoriser l'épanouissement de ses acteurs internes par une attention sincère au sein d’un collectif engagé ;
Contribuer à la construction d'une société plus solidaire à travers ses activités ;
Contribuer à la transition écologique à travers ses activités ;
Promouvoir le développement de modèles d'entreprises engagées dans la recherche d'impacts positifs. »
Cette gouvernance durable s’illustre au quotidien à travers des exemples concrets : critères ESG dans nos investissements, un conseil d’administration composé de représentants des sociétaires-clients et des salariés, financement de la transition écologique ou encore création d’une filière de pièces de réemploi automobiles.
Nous avons la conviction que l’UE devrait entamer une réflexion relative à un dispositif de reconnaissance et de promotion de dispositions favorisant le développement des impacts positifs des entreprises sur ses parties prenantes.
Enfin, afin d’aider les entreprises à avancer vers une nouvelle approche durable et de long terme dans leur gouvernance, il faut mettre en place un cadre légal de la performance extra financière plus ambitieux, à l’aide de la révision de la directive NFRD :
- Le périmètre des informations non financières doit être élargi.
- Le reporting, dans un cadre harmonisé, doit permettre de mieux mettre en lumière, ce en quoi la gouvernance et les process de management contribuent à améliorer les impacts de l’entreprise sur ses parties prenantes.
- Les informations non financières doivent être intégralement publiées dans le rapport de gestion dans la mesure où elles sont un élément du bilan de l’entreprise.
- Enfin, nous pensons qu’il est urgent de donner aux consommateurs les moyens d’arbitrer leurs choix de façon responsable. C’est l’une des clés de la transition et de la motivation des entreprises à s’engager. C’est pourquoi nous proposons, dans le cadre des futurs travaux sur l’élaboration d’un standard commun aux informations non-financières, de :
Définir un socle de critères ESG commun à toutes les entreprises ;
Définir une grille de notation de ces critères ;
Traduire cette notation en outil de type colorimètrie et d’en étiqueter l’ensemble des produits et services des entreprises.
La version complète de notre contribution est jointe à cette synthèse.
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