direct ec european parliament council decemb insur mediat european parliament council european union regard treati establish european commun articl articl thereof regard propos commiss regard opinion econom social committe act accord procedur laid articl treati insur reinsur intermediari plai central role distribut insur reinsur product commun step facilit exercis freedom establish freedom provid servic insur agent broker made council direct eec decemb measur facilit effect exercis freedom establish freedom provid servic respect activ insur agent broker isic group transit measur respect activ direct eec remain applic entri forc provis coordin nation rule take pursuit activ insur agent broker commiss recommend eec decemb insur intermediari larg member state help bring closer nation provis profession requir registr insur intermediari substanti differ nation provis creat barrier take pursuit activ insur reinsur intermediari intern market replac direct eec direct insur reinsur intermediari avail freedom establish freedom provid servic enshrin treati inabl insur intermediari oper freeli commun hinder proper function singl market insur coordin nation provis profession requir registr person take pursu activ insur mediat contribut complet singl market financi servic enhanc custom protect field type person institut agent broker quot bancassur quot oper distribut insur product equal treatment oper custom protect requir person institut cover direct direct definit quot ti insur intermediari quot take account characterist member state market purpos establish condit registr applic intermediari definit intend preclud member state similar concept respect insur intermediari act behalf insur undertak full respons undertak entitl collect premium amount intend custom accord financi guarante laid direct direct appli person activ consist provid insur mediat servic parti remuner pecuniari form agre econom benefit ti perform direct appli person profession activ tax expert account provid advic insur cover incident basi profession activ appli mere provis inform gener natur insur product provid purpos activ custom conclud fulfil insur reinsur contract profession manag claim insur reinsur undertak loss adjust expert apprais claim direct appli person practis insur mediat ancillari activ strict condit insur reinsur intermediari regist compet author member state resid head offic provid meet strict profession requir relat compet good reput profession indemn cover financi capac registr insur reinsur intermediari oper member state accord principl freedom establish freedom provid servic provid notif procedur compet author sanction need person exercis activ insur reinsur mediat regist insur reinsur undertak servic unregist intermediari intermediari compli nation provis adopt pursuant direct cooper exchang inform compet author essenti order protect custom ensur sound insur reinsur busi singl market essenti custom deal intermediari advis product broad rang insur undertak product provid specif number insur undertak direct oblig insur intermediari provid inform custom member state area maintain adopt stringent provis impos insur intermediari independ place resid pursu mediat activ territori provid stringent provis compli commun law includ direct ec european parliament council june legal aspect inform societi servic electron commerc intern market direct electron commerc intermediari declar give advic product broad rang insur undertak carri fair suffici wide rang analysi product market addit intermediari explain reason underpin advic requir inform disclos custom compani seek reinsur insur cover commerci industri risk suitabl effect complaint redress procedur member state order settl disput insur intermediari custom exist procedur prejudic custom bring action court member state encourag public privat bodi establish view settl disput court cooper resolv cross border disput cooper aim enabl custom contact extra judici bodi establish member state resid complaint insur intermediari establish member state set fin net network increas assist consum cross border servic provis procedur account commiss recommend ec march principl applic bodi respons court settlement consum disput direct eec repeal adopt direct chapter scope definit articl scope direct lai rule take pursuit activ insur reinsur mediat natur legal person establish member state establish direct appli person provid mediat servic insur contract condit met insur contract requir knowledg insur cover provid insur contract life assur contract insur contract cover liabil risk princip profession activ person insur mediat insur complementari product servic suppli provid insur cover risk breakdown loss damag good suppli provid ii damag loss baggag risk link travel book provid insur cover life assur liabil risk provid cover ancillari main cover risk link travel amount annual premium exce eur total durat insur contract includ renew exce year direct appli insur reinsur mediat servic provid relat risk commit locat commun direct affect member state law respect insur mediat busi pursu insur reinsur intermediari establish countri oper territori principl freedom provid servic provid equal treatment guarante person carri authoris carri insur mediat activ market direct regul insur mediat activ carri countri activ commun insur reinsur undertak defin council direct eec juli coordin law regul administr provis relat take pursuit busi direct insur life assur council direct eec march coordin law regul administr provis relat take pursuit busi direct life assur carri insur intermediari countri articl definit purpos direct quot insur undertak quot mean undertak receiv offici authoris accord articl direct eec articl direct eec quot reinsur undertak quot mean undertak insur undertak member countri insur undertak main busi consist accept risk cede insur undertak member countri insur undertak reinsur undertak quot insur mediat quot mean activ introduc propos carri work preparatori conclus contract insur conclud contract assist administr perform contract event claim activ undertaken insur undertak employe insur undertak act respons insur undertak consid insur mediat provis inform incident basi context profession activ provid purpos activ assist custom conclud perform insur contract manag claim insur undertak profession basi loss adjust expert apprais claim consid insur mediat quot reinsur mediat quot mean activ introduc propos carri work preparatori conclus contract reinsur conclud contract assist administr perform contract event claim activ undertaken reinsur undertak employe reinsur undertak act respons reinsur undertak consid reinsur mediat provis inform incident basi context profession activ provid purpos activ assist custom conclud perform reinsur contract manag claim reinsur undertak profession basi loss adjust expert apprais claim consid reinsur mediat quot insur intermediari quot mean natur legal person remuner take pursu insur mediat quot reinsur intermediari quot mean natur legal person remuner take pursu reinsur mediat quot ti insur intermediari quot mean person carri activ insur mediat behalf insur undertak case insur product competit collect premium amount intend custom act full respons insur undertak product concern person carri activ insur mediat addit princip profession activ consid ti insur intermediari act respons insur undertak product concern insur complementari good servic suppli framework princip profession activ person collect premium amount intend custom quot larg risk quot defin articl direct eec quot home member state quot mean intermediari natur person member state resid situat carri busi intermediari legal person member state regist offic situat nation law regist offic member state head offic situat quot host member state quot mean member state insur reinsur intermediari branch servic quot compet author quot mean author member state design articl quot durabl medium quot mean instrument enabl custom store inform address person access futur refer period time adequ purpos inform unchang reproduct inform store durabl medium cover floppi disk cd rom dvd hard drive person comput electron mail store exclud internet site site meet criteria paragraph chapter ii registr requir articl registr insur reinsur intermediari regist compet author defin articl home member state prejudic subparagraph member state stipul insur reinsur undertak bodi collabor compet author regist insur reinsur intermediari applic requir articl intermediari case ti insur intermediari regist insur undertak associ insur undertak supervis compet author member state appli requir refer subparagraph natur person work undertak pursu activ insur reinsur mediat legal person member state regist person regist name natur person manag respons mediat busi member state establish regist insur reinsur intermediari provid lai criteria intermediari regist member state singl inform point establish allow quick easi access inform regist compil electron constantli updat inform point provid identif detail compet author member state refer paragraph subparagraph regist countri countri intermediari conduct busi rule freedom establish freedom provid servic member state ensur registr insur intermediari includ ti reinsur intermediari made subject fulfil profession requir laid articl member state ensur insur intermediari includ ti reinsur intermediari ceas fulfil requir remov regist valid registr subject regular review compet author home member state inform host member state remov mean compet author provid insur reinsur intermediari document enabl interest parti consult regist refer paragraph verifi duli regist document provid inform articl case legal person natur person refer fourth subparagraph paragraph articl member state requir return document compet author issu insur reinsur intermediari concern ceas regist regist insur reinsur intermediari allow pursu activ insur reinsur mediat commun mean freedom establish freedom provid servic member state ensur insur undertak insur reinsur mediat servic regist insur reinsur intermediari person refer articl articl profession requir insur reinsur intermediari possess knowledg abil determin home member state intermediari home member state adjust requir condit regard knowledg abil line activ insur reinsur mediat product distribut princip profession activ intermediari insur mediat case intermediari pursu activ insur mediat insur intermediari fulfil condit articl insur undertak assum full respons action member state provid case refer subparagraph articl insur undertak verifi knowledg abil intermediari conform oblig set subparagraph paragraph provid intermediari train correspond requir product sold intermediari member state appli requir refer subparagraph paragraph natur person work undertak pursu activ insur reinsur mediat member state ensur reason proport person manag structur undertak respons mediat respect insur product person directli involv insur reinsur mediat demonstr knowledg abil perform duti insur reinsur intermediari good reput minimum clean polic record nation equival relat crimin offenc link crime properti crime relat financi activ previous declar bankrupt rehabilit accord nation law member state accord provis subparagraph articl insur undertak check good reput insur intermediari member state appli requir refer subparagraph paragraph natur person work undertak pursu activ insur reinsur mediat member state ensur manag structur undertak staff directli involv insur reinsur mediat fulfil requir insur reinsur intermediari hold profession indemn insur cover territori commun compar guarante liabil aris profession neglig eur appli claim aggreg eur year claim insur compar guarante provid insur undertak reinsur undertak undertak behalf insur reinsur intermediari act insur reinsur intermediari empow act undertak full respons intermediari action member state measur protect custom inabl insur intermediari transfer premium insur undertak transfer amount claim return premium insur measur form provis laid law contract moni paid custom intermediari treat paid undertak moni paid undertak intermediari treat paid custom custom receiv requir insur intermediari financi capac amount perman basi sum annual premium receiv subject minimum eur requir custom moni transfer strictli segreg client account account reimburs creditor event bankruptci requir guarante fund set pursuit activ insur reinsur mediat requir profession requir set articl fulfil perman basi member state reinforc requir set articl add requir insur reinsur intermediari regist jurisdict amount refer paragraph review regularli order account european index consum price publish eurostat review place year entri forc direct success review year previou review date amount adapt automat increas base amount euro percentag chang index period entri forc direct review date review date review date round nearest euro articl retent acquir right member state provid person exercis mediat activ septemb enter regist level train experi similar requir direct automat enter regist creat requir set articl compli articl notif establish servic member state insur reinsur intermediari intend carri busi time member state freedom provid servic freedom establish inform compet author home member state period month notif compet author inform compet author host member state wish intent insur reinsur intermediari time inform intermediari concern insur reinsur intermediari start busi month date inform compet author home member state notif refer subparagraph intermediari start busi immedi host member state inform fact member state notifi commiss inform accord paragraph commiss turn notifi member state compet author host member state step ensur public condit interest gener good busi concern carri territori articl compet author member state design compet author empow ensur implement direct inform commiss thereof indic divis duti author refer paragraph public author bodi recognis nation law public author expressli empow purpos nation law insur reinsur undertak compet author possess power perform duti compet author territori member state ensur author collabor close discharg respect duti effect articl sanction member state provid sanction event person exercis activ insur reinsur mediat regist member state refer articl member state provid sanction insur reinsur undertak insur reinsur mediat servic person regist member state refer articl member state provid sanction event insur reinsur intermediari failur compli nation provis adopt pursuant direct direct affect power host member state measur prevent penalis irregular commit territori contrari legal regulatori provis adopt interest gener good includ possibl prevent offend insur reinsur intermediari initi activ territori measur adopt involv sanction restrict activ insur reinsur intermediari properli justifi commun intermediari concern measur subject appli court member state adopt articl exchang inform member state compet author member state cooper order ensur proper applic provis direct compet author exchang inform insur reinsur intermediari subject sanction refer articl measur refer articl inform lead remov regist intermediari compet author exchang relev inform request author person requir receiv divulg inform connect direct bound profession secreci manner laid articl council direct eec june coordin law regul administr provis relat direct insur life assur amend direct eec eec life insur direct articl council direct eec novemb coordin law regul administr provis relat direct life assur amend direct eec eec life assur direct articl complaint member state ensur procedur set custom interest parti consum associ regist complaint insur reinsur intermediari case complaint receiv repli articl court redress member state encourag set effect complaint redress procedur court settlement disput insur intermediari custom exist bodi member state encourag bodi cooper resolut cross border disput chapter iii inform requir intermediari articl inform provid insur intermediari prior conclus initi insur contract amend renew thereof insur intermediari provid custom inform ident address regist includ mean verifi regist hold direct indirect repres vote right capit insur undertak insur undertak parent undertak insur undertak hold direct indirect repres vote right capit insur intermediari procedur refer articl allow custom interest parti regist complaint insur reinsur intermediari court complaint redress procedur refer articl addit insur intermediari inform custom contract provid advic base oblig paragraph provid fair analysi ii contractu oblig conduct insur mediat busi exclus insur undertak case custom request provid name insur undertak iii contractu oblig conduct insur mediat busi exclus insur undertak give advic base oblig paragraph provid fair analysi case custom request provid name insur undertak conduct busi case inform provid sole custom request custom inform request inform insur intermediari inform custom advic basi fair analysi oblig give advic basi analysi suffici larg number insur contract market enabl make recommend accord profession criteria insur contract adequ meet custom prior conclus specif contract insur intermediari basi inform provid custom demand custom underli reason advic custom insur product detail modul complex insur contract propos inform refer paragraph insur intermediari mediat insur larg risk case mediat reinsur intermediari member state maintain adopt stricter provis inform requir refer paragraph provid provis compli commun law member state commun commiss nation provis set subparagraph order establish high level transpar mean commiss ensur inform receiv relat nation provis commun consum insur intermediari articl inform condit inform provid custom accord articl commun paper durabl medium access custom clear accur manner comprehens custom offici languag member state commit languag agre parti derog paragraph inform refer articl provid oral custom request cover case inform provid custom accord paragraph immedi conclus insur contract case telephon sell prior inform custom accord commun rule applic distanc market consum financi servic inform provid custom accord paragraph immedi conclus insur contract chapter iv final provis articl appli court member state ensur decis respect insur intermediari reinsur intermediari insur undertak law regul administr provis adopt accord direct subject appli court articl repeal direct eec repeal effect date refer articl articl transposit member state bring forc law regul administr provis compli direct januari forthwith inform commiss thereof measur refer direct accompani refer occas offici public method make refer laid member state member state commun commiss text law regul administr provis adopt field govern direct commun provid tabl indic nation provis direct articl entri forc direct enter forc dai public offici journal european commun articl addresse direct address member state brussel decemb european parliament presid cox council presid schmidt oj oj opinion european parliament novemb oj council common posit march oj decis european parliament june publish offici journal council decis june oj direct amend act access oj oj oj oj direct amend direct ec european parliament council oj oj direct amend direct ec european parliament council oj oj direct amend direct ec european parliament council oj oj direct amend direct ec european parliament council