ROAM (Réunion des Organismes d’Assurance Mutuelle) is an association at the service of mutual insurance companies for more than 150 years.
ROAM gathers mutual insurance companies (MIC) : an MIC is insurance company that does not have its capital divided into shares, is collectively managed by it policyholders who are also its members and which acts in their best interests.
ROAM has also assumed responsibility for the coordination of the study on comparative law, "MIC: regulatory, financial and fiscal provisions" in five European countries (France, Italy, Spain, Belgium and the Netherlands) and the United States.
Both for pillar I, quantitative requirements, and pillar II, internal control requirements, a real revolution is taking place at the European level and this will have considerable repercussions on the French market.
Governance would also appear to be a sensitive issue for French mutualists, who have been faced with significant successive changes to their regulations (in 2002, 2003 and then again in 2005) and so have had to respond to the continual challenge regarding the recognition of their statute and of their specificities by adapting to these changes.