ARCHIVESHISTORIQUES
DELACOMMISSION
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DOCUMENTS "COM"
COM(74)720
Vol.1974/0113

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COMMISSION GETHE.EUROPEAN
COM(74)720final
Brussels,22May1974
Communication fromtheCommissiontotheCouncilconcerning
proposalsforDirectives ontheattainmentoffreedomof
establishment inrespectofactivitiesofself-employed
insuranceagentsandbrokers(exISICGroup630)
OOM(74)720final

-2- XV/65/74-E
Communication fromtheCommission totheCouncil
Insuranceagentsandbrokers
1.On4December1970theCommissionforwardedtotheCounciltwoproposals
forDirectivesconcerningtheattainmentoffreedomofestablishment in
respectofactivitiesofself-employed insuranceagentsandbrokers,and
layingdowndetailedprovisionsconcerningtransitional measuresinrespect
oftheseactivities(0JHoC14»11February1971)•TheEconomicand
SocialCommitteeandtheEuropeanParliamentgavetheirOpinionsonthese
proposalson29September1971(DocumentCES571/71)and5July1971
-(Document1430/71-ASS1023)respectively .TheCommission,actingunder
thesecondparagraphofArticle149oftheEHCTreaty,thenaltereda
numberofpointsinitsproposalsandforwardedtheseamendmentstothe
Councilwithaletterdated20March1972(CouncildocumentR/590/72-
ES27).
2.AftertheaccessionofthethreenewMemberStatestheCommission's
departments discussedtheamendedversionoftheproposalswithexperts
fromtheseMemberStates,andinthelightofthenewsituationarising
fromtheaccessionofthenewMemberStatesalsorequestedafreshopinion
fromtheprofessionalorganisations concerned(theEuropeanInsurance
Committee(CEA)andtheInternational BureauofInsuranceandReinsurance
Brokers-BIPAR).
ThethreenewMemberStatesgavetheiropinionsontheproposalsinletters
datedrespectively 15November1973and13February1974(UnitedKingdom),
26November1973(Denmark)and7December1973(Ireland).
3.Theseopinionsmaybesummarizedasfollows:
UnitedKin^dom
a)General
-Therearenorestrictions onestablishment inrespectofinsurance
agentsandbrokersintheUnitedKingdom.
•••/•f•

.V
-ThefactthatLuxemburgexcludesbylawtheactivitiesofinsurance
brokersisseen"bytheBritishGovernmentasadistortionofcompe­
tition.Itproposestheabolitionofthisrestriction onestablish­
ment.
-TheBritishGovernmentconsidersitofgreatimportancethatfreedom
toprovideservicesforinsuranceagentsandbrokersshouldbeattained
atthesametimeasthatforinsuranceundertakings .TheBritish
insuranceindustrymakesextensiveuseofagentsandbrokersinits
businesstransactions .
b)"Abolitionofrestrictions "Directive
-insertinArticle2(2)
(a)intheUnitedKingdom:Insurancebroker
(b)intheUnitedKangdom;Agent
(c)intheUnitedKingdom:Sub-Agent
-Amendthesecondsub-paragraph ofArticle6(l)soastoreadas
follows(inaccordancewiththeformulainsertedintheActconcerning
theConditionsofAccessionandtheAdjustmentsoftheTreatiesadopted
bytheCouncilinthofieldoftherightofestablishment (l):
"Wherethecountryoforiginorofprovenancedoesnotissuedocu­
mentaryproofofgoodreputeorofnopreviousbankruptcy ,suchproof
maybereplacedbyadeclaration onoath-or,inStateswherethere
isnoprovisionfordeclaration onoath,byasolemndeclaration-
madebythepersonconcernedbeforeacompetentjudicialoradmini­
strativeauthorityorwhereappropriateanotary,inthecountryof
originorofprovenance ;suchauthorityornotarywillissueacerti­
ficateattestingtheauthenticityofthedeclaration onoathorsolemn
declaration .Adeclarationinrespectofnopreviousbankruptcymay
alsobemadebeforeacompetentprofessionortradebodyinthesaid
country."
c)"Transitional measures"Directive
-Article3
Itshouldbemadeclearthatthisprovisionrefersalsotocompanies
orfirmsandnotmerelytonaturalpersons.
(l)SeeAnrtexIHofthisAct»

-4- XV/65/74-E
Dcnmark
a),General
-Therearenorestrictions onestablishment inrespectofinsurance
agentsand"brokersinDenmark.
-TheDanishGovernmentacceptsthedistinction theDirectivemakes
"betweentheactivitiesofaninsuranceagentandthoseofaninsurance
broker.Theterm^insurance broker"doesnotinanycaseexistin
Danishusage..
b)"Abolitionofrestrictions "Directive
InsertinArticle2(2)
(a)inDenmark:Juridiskeogfysiskepersoner,
somdriverselvstaendig virksomhed
sommellemmandvedafsaeiningaf
forsikringskontrakt er
(b)inDenmark:Forsikringsagenter
(c)inDenmark:Underagenter
Ireland
a)General
Therearenorestrictions onestablishment inrespectofinsurance
agentsandbrokersinIreland.
b)"Abolitionofrestrictions "Directive
InsertinArticle2(2)
(a)inIreland:InsuranceBroker
Reinsurance Broker
(b)inIreland:Agent
(c)inIreland:Sub-Agent
c)"Transitional measures"Directive
Insertanewparagraph2afterparagraph 1ofArticle3(formerpara­
graph2becomesparagraph3).

-5- XV/65/74-2
"whereabeneficiaryhascarried,oninanotherMemberState,underthe
conditionsastopreviousexperiencesetoutinparagraph 1ofthis
Article,anactivityasreferredtoinArticle4(l)»ajndsuchactivity
includedauthorityfromoneormoreinsuranceundcrt?JtiLngs empowering
theparsonconcerned,inrespectofcertainoralltransactionsfalling
withinthenormalscopeofthebusinessoftheundertakingorundertakings
concerned,enterinthenameofsuchundertakingorundertakings into
commitmentsbindinguponitorthem,suchexperienceshallbeconsidered
asequivalenttotheexperiencereferredtointhesaid,paragraph 1.
CommentabytheCommission :
Concerningthedraftdirective"AbolitionofRestrictions",theCommission
adoptsthesuggestionsputforwardbythenewMemberStates(seeAnnex]i).
Asregardsthedraftdirective"Transitional Measures"theCommission
considersitexpedienttosupplementoraltertwopointsinitsoriginal
proposals(seeAnnexIl)«Thoseconcern:
a)theactivitiesofageneralagent(Article3ofthe"Transitional
measures"Directive)
b)theactivitiespursuedinamanagerialcapacityinaninsuranceunder­
taking(Article7ofthe"Transitional measures"Directive).
(a)
Itseemsreasonablethataninsuranceagentwhohaspermanentauthority
fromoneormoreinsuranceundertakings empowering himtoenterinthe
nameoftheseundertakingsintocommitmentsbindinguponthem(general
agent)shouldbegiventheopportunity oxtalcinguptheactivityof
insurancebrokerintheotherCorrimunitycountries ,ifhesatisfiesthe
conditionsregardingthelengthofpreviousprofessional experience
requiredforinsurancebrokers.
The"Transitional measures"Directiveprovidesforthecaseofaninsurance
agentwishingtotakeuptheactivityofgeneralageiitinthehostcountry,
bylayingdowninArticle4(2)(o)thatthepersonconcernedmustsatisfy
theconditionsastopreviousprofessional experiencerequiredfor
insurancebrokers,butcontainsnoprovisionfortheoppositecaseofa
generalagentwishingtotakeuptheactivityofinsur?jicebrokerinthe
hostcountry.

-6- XV/65/74--^
Bywayofsupplementtotheearlierproposedamendments,theCommission
thereforeacceptstheIrishGovernment'sproposalfortheamendmentof
Article3oftheproposed"Transitional measures"Directive.Moreover,
thisproposalalsoaccordswithanearliersuggestionbytheEuropean
Parliament .
Ù1
TheCommissionholdstoitsoriginalviewthataccesstotheactivityof
insurancebrokershouldnotbeextendedtoincludeanypersonhaving
workedinamanagerialcapacityinaninsuranceundertaking .Itdoes,
however,consideritnecessarytoreformulateArticle7oftheproposed
"Transitional measures"Directiveinordertospecifymorepreciselythe
conditionsunderwhichsuchpersonsmaytakeuptheactivityofinsurance
brokerinanotherMemberState.

XV/65/74-E
AnnexI
AmendmentstotheproposalforaDirectiveonthe
attainmentoffreedomofestablishment inrespect
ofactivitiesofself-employed insuranceagents
and"brokers
Insertin
Artide2(2)'1'
(3.)•••
,.*►inDcnnark ■••••'
-intheUnitedKingdom
-inIreland ÎJuridiskeogfysiskepersoner,
somdriverselvstaendig virksomhed
sommellemmandvedafsaetningaf
forsikringskontrakt er
InsuranceBroker
InsuranceBroker
Reinsurance Broker
(b)..
-inDenmark:
-intheUnitedKingdom
-inIraiandForsikringsagenter
Agent
Agent
(c)...
-inDenmark:
-intheUnitedKingdom:
-inIreland:Underagenter
Sub-Agent
Sub-Agent
•*•/•••
(l)ThisproposalsupplementstheamendmentproposedbytheCommission
totheCouncilon20March1972(Doc.R1590/72ES27)

V
-2- XV/65/74-E
First proposai : New proposai
Article 6(1),second sub-paragràph Article 6(l)second sub-paragraph
Where ,asregards proof ofno
previous bankruptcy ,thecountry of
origin orofprovenance does not
issue such documents ,these maybe
replaced byadeclaration onoath
made bytheperson concerned before
ajudicial oradministrative
authority ,anotary ,oracompetent
professional prtrade body ,inthe
country oforigin oro^provenance .Where the country oforigin orof
provenance does not issue documentary
proof ofgood repute orofnoprevious
bankruptcy ,such proof may bereplaced
byadeclaration onoath -or,inStates
where there isnoprovision fordeclaration
onoath ,byasolemn declaration -made
bythe person concerned before acom­
petent .judicial oradministrative
authority orwhere appropriate a
notary ,inthe country oforigin or
ofprovenance ;such authority or
'notary will issue acertificate
attesting the authenticity ofthe
declaration onoath orsolemn decla­
ration .Adeclaration inrespect of
noprevious bankruptcy may rlso be
made before acompetent professional
ortrade body inthe said country .
/

XV/65/74-E
AnnexII
Amendments -totheproposalforaDirective
layingdowndetailedprovisionsconcerning
transitional measuresinrespectofself-
employedinsuranceagentsand"brokers
Firstproposai:
Seventhrecital
Whereas,moreoever,wherethe
activityofagentincludesthe
exerciseofageneralauthorityfrom
oneormoreinsuranceundertakings
empoweringtheagent,inthecaseof
alltransactions fallingwithinthe
normalscopeofthebusinessofthe
xandertalcingorundertakings concerned,
toenterinthenameofsuchunder-
talcingorundertakings intocommit­
ments "bindinguponthem,therequire­
mentsastotimelaiddownforthe
takingupofthatactivityshouldbe
thesameasthoselaiddownfor
teJcinguptheactivityofbroker.
Article3
(l)WhereinaMemberStatethe
takinguporpursuitofthe
activitiesreferredtoinArticle
2(l)(a)oftheDirectivementioned
inArticle1(2)isNewproposai:
Seventhrecital
lihereas,moreover,wheretheactivity
ofagentincludestheexerciseofa
generalauthorityfromoneormore
insuranceundertakings empoweringthe
agent,inthecaseofalltransactions
fallingwithinthenormalscopeofthe
businessoftheundertaking orunder­
takingsconcerned,toenterinthe
nameofsuchundertaking orunder­
takingsintocommitments bindingupon
them,therequirements astotime
laiddownforthetakingupofthat
activityshouldbethesameasthose
laiddownfortakinguptheactivity
ofbroker;andwhereasiftheperson
concerned ,satisfiessuchrequirements
heshouldbeallowedtotakeupthe
activityofbrokerinthehostcountry.
Article3
(1)(unchanged)
•••A••

dependentonthepossessionofgeneral
commercialorprofessionknowledgeand
ability,thatStateshallacceptas
sufficientevidenceofsuchknowledge
andabilitythefactthattheactivity
inquestionhasbeenpursuedinanother
MemberStateforanyofthefollowing
periods:
a)fiveconsecutiveyearsinaself-
employedcapacityorinamanagerial
capacity;or
b)threeconsecutiveyearsinaself-
employedcapacityorinamanagerial
capacity,wherethebeneficiary
canprovethathehasbeenemployed
foratleastfiveyearsinthe
serviceofoneoremoreinsurance
agentsorbrokersorofoneor
moreinsuranceundertakings ;or
c)twoconsecutiveyearsinaself-
employedcapacityorinamanagerial
capacity,wherethebeneficiary can
provethatfortheoccupationin
questionhehasreceivedprevious
trainingattestedbyacertificate
recognizedbytheState,or
regardedbythecompetent
professional bodyasfullsatisfying
itsrequirements .

-3- XV/65/74-E
(2)(new)
Article7
(1)Apersonshallboregardedas
havingpursuedanactivityina
managerialcapacitywithinthe
meaningofArticles3»4and5if
hehasworkedwithaninsurance
brokeroragent:
(a)asmanagerorbranchmanagerof
abusiness;orWhereabeneficiary hascarriedonin
anotherMemberState,undertheconditions
astopreviousexperiencesetoutin
paragraph 1ofthisArticle,anactivity
asreferredtoinArticle4(l),andsuch
activityincludedapermanentauthority
fromoneormoreinsuranceundertakings
empoweringthepersonconcerned ,in
respectofcertainoralltransactions
fallingwithinthenormalscopeofthe
businessoftheundertakingorr,rider–
takingsconcerned ,toenteri.nthename
ofsuchundertaking orundertakings into
commitments bindinguponitorthen,such
experienceshallberegardedasequivalent
totheexperiencereferredtointhesaid
paragraph 1.
Article7
(l)(unchanged)
(l)ThisproposalreplacestheamendmentproposedbytheCommissiontothe
Councilon20ferch1972(Doc.R/590/72ES27)

v4- XV/65/74-E
(b)asdeputytotheproprietoror
managerofabusinessorasits
authorisedrepresentative ,WhSire
suchpostsinvolveresponsibility
ecjuivalenttothatoftheprop­
rietorormanagerrepresented.
Theoccupationinaninsurance (secondsentencedeleted)
undertakingofpostsinvolving
themanagementofagentsor
supervisionoftheirworkshall
beregardedaséquivalentto
pursuitoftheactivities
referredtoinArticle4»
(2)(new)
Apersonshallalsoberegardedas
(2)Theemploymentreferredtoin
paragraph1(b)ofArticles3and4
musthaveentailedresponsibility
inrespectoftheprocurement ,
administration andperformanceof
contractsofinsurance.havingpursuedanactivityina
managerialcapacityvrithinthemeaning
ofArticles4and5wherehisduties
inaninsuranceundertaking havo
involvedthemanagementofagentsor
thesupervision oftheirwork.
(3)(unchangedasparagraph2)