natgillin/translations-raw huggingface dataset:
En af de årsager, der afholder forsikringsselskaberne fra at gøre brug af EF-traktatens grundlæggende frihedsrettigheder, ser Kommissionen helt rigtigt i den usikkerhed, der stadig hersker, hvad angår fortolkningen af grundlæggende begreber som fri bevægelighed for tjenesteydelser og almene hensyn.
The Commission rightly thinks that one of the reasons preventing insurance companies from taking advantage of the fundamental freedoms in the EC Treaty is the un­certainty which still surrounds the interpretation of funda­mental concepts such as 'freedom to provide services' and 'general good'.
Det vage juridiske begreb almene hen syn anvendes i de tredje forsikringsdirektiver både i relation til tjenesteydelser og i relation til etableringsfriheden og betyder, at det i forbindelse med alle grænseoverskridende forsikringsforretninger skal undersøges, om det er velbegrundet at anvende interne statslige forskrifter på udenlandske tjenesteydere, fordi almene hensyn kræver det.
The inexact legal concept of the 'gen­eral good' is used in the Third Insurance Directives with respect to services as well as freedom of establishment, and means that in each case of cross­border insurance ac­tivity it must be ensured that the application óf national legislation to foreign providers of services can be justified for compelling reasons of the general good.
Min sidste bemærkning drejer sig om ændringsforslag 9. Kommissionen kan ikke godkende dette ændringsforslag, da datoen for direktivets ikrafttrædelse skal stemme over ens med datoen for ophævelsen af det direktiv, der erstattes.
When I started my insurance career a long time ago ­practically 30 years ago ­1 remember the first week I was in the company, and the boss told me: 'The big challenge facing us is that we are going to have to deal with compe­tition from Europe!'
Endelig noterer jeg mig det interessante forslag fra hr. Pronk om at undersøge, om det kan lade sig gøre at samle flere direktiver.
Little did I think 30 years down the road that nothing would have changed, and I hope the same happens to duty­free.
Den Europæiske Domstol har i en omfattende domspraksis allerede flere gange taget stilling dertil og fra sag til sag afgjort, ud fra hvilke forudsætninger legitime, ikkeøkonomiske interesser skal anerkendes som grand til al mene hensyn.
In its. extensive case law, the European Court of Justice has many times clarified and decided in individual cases the conditions under which legitimate non­economic in­terests can be recognised in the interest of the general good.
Bestemmelserne om almene hensyn skal gælde alle aktive personer og virksomheder på værtslandets territorium, men kun for så vidt som de almene hen syn ikke allerede er tilgodeset i form af retsregler, som tjenesteyderen er underlagt i den stat, hvor han eretableret. ret.
The rules on the general good must apply to all per­sons or undertakings operating within the territory of the State in which the service is provided in so far as that in­terest is not safeguarded by the provisions to which the provider of a service is subject in the Member State of his establishment.
Formanden. - Næste punkt på dagsordenen er betænkning (A4-0307/98) af Mosiek-Urbahn for Udvalget om Retlige Anliggender og Borgernes Rettigheder om udkast til Kommissionens fortolkningsmeddelelse: Fri udveksling af tjenesteydelser og begrebet »almene hensyn« inden for forsikringssektoren (SEK(97)1824 - C40049/98).
In addition, such requirements must be objectively justi­fied by the need to ensure that professional rules of con­duct are complied with and that the interests which such rules are designed to safeguard are protected.
Nytten af denne meddelelse består først og fremmest i, at Kommissionen giver et overblik over de vigtige og typiske tilfælde af fortolkningsvanskeligheder.
It is obvious to us all that the single market is just not working in this sector, especially when you look at the high cost of car insurance in my own country, Ireland.
Den Europæiske Domstol har dels allerede skabt klarhed gennem domme, dels verserer der stadig sa-
Young male drivers, for example, face insurance costs at least twice as high as in other European countries, and that is on top of the higher car prices in Ireland anyway.
Det er ikke det indre marked: ingen konkurrence, ingen hjælp til forbrugerne.
So that is not a single market: no competition there, no help to the consumer.
ger, og dels er sagerne ikke eller endnu ikke blevet ind bragt for Den Europæiske Domstol. Dermed giver med delelsen de berørte kredse en meningsfuld og nyttig orientering. entering.
In fact, as the report states, the harmonisation achieved through the directive of 5 April 1992 has not prevented in surance undertakings wishing to operate in Member States other than the one where they are domiciled from having to comply with cumbersome requirements imposed by the host state.
Medlemsstaterne har fået advarsler nok.
Member States have had sufficient warnings.
Kommissionen skal i fuldt omfang udnytte sine beføjelser i henhold til EU-traktaterne, især artikel 169, til at åbne markedet.
The Com mission must make full use of its powers under the EU Treaties, especially Article 169, to open up the market.
Medlemsstaterne tilføjer alt for mange besværlige krav til EU-direktiverne, så det bliver svært for forsikringsselskaberne at drive virksomhed i andre medlemsstater.
Member States are adding too many cumbersome require ments to European directives, thus making it difficult for insurance companies to operate in other Member States.
I et andet tilfælde er en meddelelse fra Kommissionen engang blevet erklæret for ugyldig af Domstolen, nemlig meddelelsen om pensionsfonden.
The best way may be through subtraction, as the Commission - supported by the rapporteur - is suggesting, or there may be another way, but what is important is to arrive at a clearly stated legal position.
I Irland har forsikringsselskaber, der har forsøgt at drive virksomhed i andre medlemsstater, understreget visse problemer over for mig, bl.a. forskellige satser for skattefradrag af præmier betalt til lokale forsikringsselskaber, krav om at udpege skattemæssige repræsentanter - fiskale agenter (vi kender ikke rigtigt dette begreb, og de fleste virksomheder er ikke forpligtet til at udnævne sådanne agenter) - samt at udfylde detaljerede spørgeskemaer.' Så er der også problemerne med forskellige sprogregler og endelig det besværlige spørgsmål om minimumsvilkår i policer.
In Ireland, insurance companies trying to operate in other Member States have highlighted problems to me, such as different rates of tax relief on premiums paid to locally established insurers; the requirement to appoint tax representatives - fiscal representatives as they are called (we are not familiar with this notion and most companies do not have to appoint such agents) - and to fill out detailed questionnaires; there are also the problems associated with different rules on languages, and finally, there is the vexed question of minimum policy terms.
Jeg er enig i Kommissionens konstatering af, at det til dels kan have rent virksomhedspolitiske årsager, at den grænseoverskridende levering af tjenesteydelser inden for for sikringssektoren kommer så langsomt i gang.
To sum up, if a clear legal position is to be established, it is essential to approximate the most important provisions of the law on insurance contracts and insurance conditions.
Indtil nu foretrækker de fleste europæiske forsikringsselskaber åbenbart at etablere sig i udlandet gennem overtagelse og udbygge deres EU-net ved hjælp af datterselskaber.
Our citizens will then be able to shop around in an open market and make a choice Avhich is in their own best interest, not that of the insurance undertakings.
Efter min mening behøver forsikringsselskaberne ikke at frygte konkurrencen fra andre europæiske forsikringsselskaber på deres hjemmemarkeder.
In my view, insurance companies should not fear the entry of other European competitors into their national mar kets.
Det indre marked bør opfattes som én mulighed og ikke som en trussel.
A single European market should be seen as an op portunity rather than a threat.
Det vil naturligvis gøre det nemmere for andre virksomheder at komme ind på markedet, men det vil også gøre det nem mere for irske selskaber at drive virksomhed i udlandet.
It would, of course, make it easier for other firms to enter, but it would also make it easier for Irish companies to do business abroad.
Jeg vil gerne erklære mig enig med ordføreren i, at forbrugernes interesser skal sikres, og det indebærer konkurrence.
I would like to agree with what the rapporteur says: the consumer must be looked after, and that means competition.
Jeg vil gerne ønske hende tillykke med betænkningen. gen.
I wish to congratulate her oh her report.
Cushnahan (PPE). - (EN) Hr. formand, jeg har meget omhyggeligt noteret mig, hvad min irske kollega sagde.
Cushnahan (PPE). - Mr President, I have noted very carefully what my Irish colleague has said.
Jeg er meget overrasket over, at hun arbejdede for et for sikringsselskab for 30 år siden. Jeg troede ikke, hun var så gammel, hun ser jo yngre ud.
I am very surprised that she was working in an insurance company 30 years ago: I did not think she was that old, so she wears her age well.
Indførelsen af euroen får imidlertid stor virkning på for sikringsmarkedet i Europa. Det skal nok forenkle det grænseoverskridende salg af tjenesteydelser i form af for sikringer, gøre en sammenligning mellem disse produkter nemmere og føre til en sænkning af udgifterne.
Ullmann (V). - (DE) Mr President, Commissioner, ladies and gentlemen, both the Commission communication and the report by Mrs Mosiek-Urbahn deal with a central con cept in the interpretation of Articles 59 and 60 of the EC Treaty on the freedom to provide services.
Det må så ledes forventes, at euroen i betydelig grad vil fremme den grænseoverskridende forretning med forsikringer, som i dag stadig ofte må betegnes som værende mangelfuld. Det er en grund mere til at forelægge meddelelsen netop nu.
We know that in its insurance judgment of 4 December 1986 the Euro pean Court of Justice identified the 'general good' as justification of the restriction of this freedom to provide services.
Malone (PSE). - (EN) Hr. formand, Jeg er advokat og har også arbejdet inden for forsikringsindustrien, men jeg havde ikke forventet at skulle tale for socialdemokraterne i denne sag her i aften.
But even a lay person in legal terms would see at once that such a broadly framed concept as the general good has to be protected from falling prey to misinterpretation.
Hr. Rothley kæmper jo stadig med sin besværlige opgave med en statut for medlemmerne osv.
That is exactly what the Commission communication aims to do.
Mange af os havde håbet, at det indre marked ville have medført stærk konkurrence i forsikringssektoren og dermed lavere præmier for forbrugerne.
Many of us had hoped that the single market would have pro duced strong competition in the insurance sector, result ing in lower premia for consumers.
Det er des værre ikke sket, og der er på nuværende tidspunkt åben bart slet ikke tale om noget indre marked inden for forsikring.
Regrettably, this has not happened and, clearly, no real single market in insurance exists at the present time.
Jeg er enig med det ærede medlem i, at det er en skuffelse, især for de unge i Irland.
I agree with the honourable Member that it is disappointing, especially for young Irish people.
De skal betale skyhøje præmier for bilforsikring, og jeg havde, som mange an dre, håbet, at konkurrencen ville have tvunget priserne ned.
They pay exorbitant rates for motor car in surance, and I had hoped, like many people, that competition would force prices down.
Jeg opfordrer kraftigt Kommissionen til at undersøge præmiernes størrelse for unge under 25 i Irland for at sikre, at der ikke er tale om markedsmisbrug.
I urge the Commission to investigate insurance rates for under-25s in Ireland to ensure that no abuse of the market exists.
Jeg bifalder, at Kommissionen er ved at undersøge, om der er tale om misbrug af bestemmelsen om »almene hensyn.«
I welcome the fact that the Commission is investigating whether or not the general good clause is being misused.
Afslutningsvis håber jeg, at vi med dette initiativ fra Kommissionen og indførelsen af den fælles valuta vil op leve øget gennemsigtighed, at forbrugerne kontakter flere forsikringsselskaber samt efterhånden et fungerende in dre marked inden for forsikring.
Like the rapporteur, we should support the Commission, and I also think that we should be behind her in encouraging the Commission to resume its efforts to approximate the provisions on insurance contracts, which have be come bogged down, and to make its-legal opinion known in spite of the fact that procedures are pending.
Som vi ved, har vi i løbet af de seneste år vedtaget en lang række retsakter med henblik på at få det indre marked til at fungere inden for denne sektor. De har dog ingen reel virkning.
I hope that in future this will be a reason for many policyholders to be thankful to both the Commission and the rapporteur for their commitment to the freedom to provide services.
Vi kan jo se, at det indre marked bare ikke fungerer i denne sektor, især når man tænker på, hvor dyr bilforsikring er i mit land, Irland. Unge mandlige bilister f.eks. skal betale mindst dobbelt så meget i forsikring som i andre EU-lande, og det er jo oven i de allerede højere
Finally, I hope that with both this Commission initiative and the introduction of the single currency, we will witness more transparency, more shopping around by con sumers and, consequently, the eventual creation of a real single market in insurance.
Sierra González (GUE/NGL). - (ES) Hr. formand, de usikkerheder, som begrebet almene hensyn skaber på
Sierra González (GUE/NGL). - (ES) Mr President, there is considerable uncertainty surrounding certain key aspects of the general good clause concerning the free dom to provide services.
kontrol med policebetingelserne har givet mulighed for en øget konkurrence på de nationale markeder, navnlig med hensyn til visse former for virksomhed, som før var afskåret fra konkurrence.
I would moreover stress once again that the purpose of our communication is to improve transparency and clarify Community legislation, whilst at the same time increasing legal certainty.
Kommissionen har dog konstateret, at alle mulighederne ved det indre marked for for sikringer sikkert endnu ikke er blevet udnyttet fuldt ud, og det er en ting, som de forskellige parlamentsmedlemmer har belyst grundigt i deres indlæg.
It is clear, however, that this interpretation by the Commission can neither be binding on Member States nor impose fresh obligations on them.
Om det skal gøres ved hjælp af »subtraktion, »som Kommissionen siger - og som ord føreren er enig i - eller på en anden måde, mener jeg ikke, er relevant, men det er det at opnå retssikkerhed på dette område.
Encouraged by this resolution from the European Parliament, we shall now be even better placed to complete our work by adopting the final version of this interpretative communication.
Kontakten med de økonomiske aktører - forsikringsselskaber, mellemmænd, forsikringstagere og forbrugere -gør det muligt at konkludere, at hovedårsagen til denne manglende integration er de forskellige måder, som med lemsstaterne fortolker to grundlæggende begreber inden for fællesskabsretten på, nemlig den frie udveksling af tjenesteydelser og almene hensyn.
Our contacts with economic operators - insurance com panies, brokers, insured persons and consumers - lead us to conclude that the main reason for this lack of integration is the Member States' diverging interpretations of two fundamental concepts of Community law: freedom to provide services and the general good.
Disse fortolkningsforskelle forårsager ikke alene som regel en betydelig retsusikkerhed, hvilket hæmmer markedets udvikling, men bidrager også til at bevare de nationale barrierer, der forhindrer det indre marked i at fungere ordentligt.
These differences in interpretation not only tend to produce considerable le gal uncertainty, impeding the development of the market, but also serve to perpetuate the national barriers which prevent the single market from functioning properly.
Det er klart, at der findes nogle legitime målsætninger, som medlems staterne kan beskytte ved at påberåbe sig grunde, der ved rører almene hensyn, og her er den vigtigste grund forbrugerbeskyttelsen.
Clearly, there are legitimate targets for protection by the Member States in the name of the general good, the most significant being perhaps consumer protection.
Jeg vil geme have lov til at forsikre Dem, at Kommissionen ikke har til hensigt at sætte spørgsmåls tegn ved den ærlige interesse for forbrugerbeskyttelse.
I can as sure you that the Commission has no intention of calling into question any genuine concerns in this regard.
Ullmann (V). - (DE) Hr. formand, hr. kommissær, mine damer og herrer, både i Kommissionens meddelelse og i fru Mosiek-Urbahns betænkning drejer det sig om et centralt begreb i forbindelse med fortolkningen af artikel 59 og 60 i EF-traktaten om fri bevægelighed for tjeneste ydelser.
President. - The next item is the report (A4-0262/98) by Mr Nordmann, on behalf of the Committee on Develop ment and Cooperation, on the Commission communication on the management of preferential tariff arrangements (COM(97)0402 - C4-0447/97).
Det er dog lige så tydeligt, at medlemsstaterne i mange til fælde gør en overdreven brug af den skønsret, som begrebet almene hensyn giver dem, for at retfærdiggøre anvendelsen af hele deres nationale lovgivning over for uden landske tjenesteydere.
It is equally evident, however, that in many cases the Member States make excessive use of the discretion con ferred on them by the concept of the general good, to justify applying their whole panoply of national regulations to foreign service providers.
Bestemmelserne om almene hensyn er nemlig ikke blevet harmoniseret på fælles skabsplan, og dette ville på den anden side heller ikke være muligt, eftersom de nationale interesser varierer fra den ene medlemsstat til den anden.
Rules on the general good are not in fact harmonised at Community level; nor would it be possible to do so, since national interests vary from one Member State to another.
Begrebet almene hen syn bør dog fortolkes meget snævert, da det medfører en indskrænkning af de grundlæggende friheder, der fast lægges i traktaten.
The concept of the general good should nevertheless be interpreted very restrictively, in that it limits the fundamental freedoms established by the Treaty.
En uretmæssig brag af dette begreb fra medlemsstatemes side kan undgås ved at overholde de kriterier, der er blevet fastlagt af Domstolens retspraksis, nemlig ikke-forskelsbehandling, proportionalitet, nød vendighed og ikke-fordobling.
Improper use of this concept by Member States can be avoided through compliance with the criteria established by the case law of the Court of Justice: non-discrimination, proportionality, necessity and nonduplication.
Disse kriterier for den så kaldte efterprøvning af almene hensyn fastsætter grænserne for den retmæssige brug af dette begreb.
These criteria for ascertaining the general good circumscribes the legitimate use of this concept.
Vi bør følge ordføreren, som støtter Kommissionen deri, men jeg er af den mening, at vi også skal følge ordføreren, når hun tilskynder Kommissionen til at genoptage de fast kørte bestræbelser på at harmonisere bestemmelserne om forsikringsaftaler samt til, trods verserende sager, ikke at holde sin retsopfattelse for sig selv.
Nordmann (ELDR), rapporteur. - (FR) Mr President, the report that I am to present on behalf of the Committee on Development and Cooperation relates to issues that go quite far beyond the scope of the Union's development policy, as it involves suggesting improvements to be made in the management of the preferential tariff arrangements that the Union grants to some of its trading part ners.
Jeg håber, at det bidrager til, at rigtig mange forsikringstagere for fremtiden kan takke både Kommissionen og ordføreren for deres indsats for fri udveksling af tjenesteydelser. Måske kan endog fru Cushnahan glæde sig derover.
This is done in several forms', for some countries it is in the conventional form of negotiated cooperation agreements, in particular, of course, within the framework of the Lomé Convention, but also in the form of au tonomous preferential tariff arrangements such as the Generalised System of Preferences, which is unilaterally granted by the Union.
For at afhjælpe denne situation har Kommissionen fundet det nødvendigt at udfærdige det pågældende forslag til en fortolkningsmeddelelse, der beskriver Kommissionens forslag til fortolkningen af begreberne fri udveksling af tjenesteydelser og almene hensyn. På denne måde har Kommissionen til hensigt at skabe en større klarhed og retssikkerhed, når det gælder de to begrebers anvendelsesområde. Jeg må sige - og det ved De allerede - at et lignende initiativ for banksektoren faktisk har vist sig at være meget nyttigt.
In order to remedy this situation, the Commission deemed it necessary to draw up the draft interpretative communication in terms which clarify its proposed interpretation of the concepts of freedom to provide services and the general good* The Commission intends in this way to pro vide greater clarity and legal certainty concerning the scope of these two concepts.
Monti, medlem af Kommissionen. - (IT) Hr. formand, jeg vil gerne takke fru Mosiek-Urbahn, som jeg lykønsker for hendes betænkning.
This fraud affects textiles, fish eries products, industrial products and agricultural products, and one of the main attractions of the Commission communication is that it lists the products affected by fraud.
Næsten fire år efter de tredje forsikringsdirektivers ikrafttrædelse har det europæiske passystem, som disse indførte, allerede haft nogle betydelige konsekvenser for markedets funktion.
The mechanism of fraud here obviously involves the misuse of the certificates of origin that are granted by the customs authorities of the trading partners and that in volve many cheques drawn on the Union's funds.
Afskaffelsen af kontrollen af forsikringspræmierne og den forebyggende
The only thing is - and here lies the limit of the comparison -that in the case of cheques that have no funds there is no payment, and the surplus comes from the Union's funds and therefore from the Union's taxpayers.
Efter således at have sat Europa-Parlamentets betænkning i perspektiv vil jeg gerne have lov til kort at kommentere den.
Having set the scene, please allow me now to comment briefly on the European Parliament's report.
Jeg vil gerne endnu en gang takke de ærede parlamentsmedlemmer og særligt ordføreren, fru Mosiek-Urbahn, for at have taget del i denne høring og for at have foretaget en grundig analyse af vores fortolkningsmedde-
I wish once again to thank the honourable Members and in particular the rapporteur, Mrs Mosiek-Urbahn, for having taken part in these consultations and conducted a thorough analysis of our interpretative communication.
Monti rigt ikke Kommissionens meddelelse ringere, at den op remser de varer, hvor denne svindel eksisterer.
Nordmann of improvements to the system and a certain number of control measures as well as training measures, especially for the trading partners.
Systemet i denne svindel hænger naturligvis sammen med misbrugen af de oprindelsescertifikater, som handelspartnernes toldmyndigheder udsteder, og som svarer til, at der træk kes det samme antal checks på Unionens finanser.
Indeed, it has to be said that they do not always have the technical and administrative infra­structure to combat fraud where it is not actually encour­aged, and this is something that also has to be recognised.