natgillin/translations-raw huggingface dataset:
The assessment of Iron(II) carbonate, Iron(III) chloride hexahydrate, Iron(II) sulphate monohydrate, Iron(II) sulphate heptahydrate, Iron(II) fumarate, Iron(II) chelate of amino acids hydrate, Iron(II) chelate of protein hydrolysates and Iron(II) chelate of glycine hydrate as feed additives for all animal species and of Iron dextran for piglets shows that the conditions for authorisation, as provided for in Article 5 of Regulation (EC) No 1831/2003, are satisfied, except for water for drinking.
Procjena tvari željezov(II) karbonat, željezov(III) klorid heksahidrat, željezov(II) sulfat monohidrat, željezov(II) sulfat heptahidrat, željezov(II) fumarat, željezov(II) kelat aminokiselina, hidrat, željezov(II) kelat hidrolizata bjelančevina te željezov(II) kelat glicina, hidrat, kao dodataka hrani za sve životinjske vrste te željezova dekstrana kao dodatka hrani za prasad pokazala je da su ispunjeni uvjeti za odobrenje predviđeni člankom 5. Uredbe (EZ) br. 1831/2003., osim za vodu za piće.
Accordingly, the use of these substances should be authorised as specified in the Annex to this Regulation and their use via water for drinking should be prohibited.
U skladu s tim trebalo bi odobriti uporabu tih tvari kako je navedeno u Prilogu ovoj Uredbi, a njihovu uporabu u vodi za piće trebalo bi zabraniti.
As a result of the granting new authorisations for ‘Ferric chloride hexahydrate’, ‘Ferrous carbonate’, ‘Ferrous chelate of amino acids hydrate’, ‘Ferrous fumarate’, ‘Ferrous sulphate heptahydrate’, ‘Ferrous sulphate monohydrate’ and ‘Ferrous chelate of glycine, hydrate’ by this Regulation and of the denial of the authorisation for ‘Ferric oxide’, the entries of these substances in Regulations (EC) No 479/2006 and (EC) No 1334/2003 should be deleted.
S obzirom na to da se „željezni klorid, heksahidrat”, „željezni karbonat”, „kelati dvovalentnog željeza s hidratima aminokiselina”, „željezni fumarat”, „željezni sulfat, heptahidrat”, „željezni sulfat, monohidrat” te „željezni kelat glicin hidrata” ponovno odobravaju ovom Uredbom te da se zahtjev za odobrenje „željeznog oksida” odbija, unose za te tvari u uredbama (EZ) br. 479/2006 i (EZ) br. 1334/2003 trebalo bi obrisati.
As the Authority could not conclude in its opinions of 24 May 2016 [11] on the safety of ferric oxide for the target species, the additive and feed containing it should be withdrawn from the market as soon as possible.
Budući da Agencija u svojim mišljenjima od 24. svibnja 2016. [11] nije mogla donijeti zaključak o sigurnosti željeznog oksida za ciljne vrste, taj dodatak i hrana za životinje koja ga sadržava trebali bi se što prije povući s tržišta.
For practical reasons, however, a limited transitional period should be allowed for the withdrawal from the market of the products concerned in order to enable operators to comply properly with the withdrawal obligation.
Međutim iz praktičnih razloga trebalo bi omogućiti ograničeno prijelazno razdoblje za povlačenje predmetnih proizvoda s tržišta kako bi se gospodarskim subjektima omogućilo da propisno ispune obvezu povlačenja.
Since safety reasons do not require the immediate application of the modifications to the conditions of authorisation for Ferric chloride hexahydrate, Ferrous carbonate, Ferrous chelate of amino acids hydrate, Ferrous chelate of glycine hydrate, Ferrous fumarate, Ferrous sulphate heptahydrate and Ferrous sulphate monohydrate as authorised by Regulation (EC) No 1334/2003 and Regulation (EC) No 479/2006, it is appropriate to allow a transitional period for interested parties to prepare themselves to meet the new requirements resulting from the authorisation.
Budući da ne postoje sigurnosni razlozi zbog kojih bi bila potrebna neposredna primjena izmjena uvjeta odobrenja za tvari željezni klorid, heksahidrat; željezni karbonat; kelati dvovalentnog željeza s hidratima aminokiselina; željezni kelat glicin hidrata; željezni fumarat; željezni sulfat, heptahidrat; te željezni sulfat, monohidrat kako su odobreni Uredbom (EZ) br. 1334/2003 i Uredbom Komisije (EZ) br. 479/2006, primjereno je zainteresiranim stranama omogućiti prijelazno razdoblje kako bi se pripremile za ispunjavanje novih zahtjeva koji proizlaze iz odobrenja.
The substances specified in the Annex, belonging to the additive category ‘nutritional additives’ and to the functional group ‘compounds of trace elements’, are authorised as feed additives in animal nutrition, subject to the conditions laid down in that Annex.
Tvari navedene u Prilogu, koje pripadaju kategoriji dodataka hrani za životinje „nutritivni dodaci” i funkcionalnoj skupini „mineralne mješavine”, odobravaju se kao dodaci hrani za životinje podložno uvjetima utvrđenima u tom prilogu.
Special conditions of use
Posebni uvjeti za uporabu
The authorised substances specified in the Annex as additives belonging to the additive category ‘nutritional additives’ and to the functional group ‘compounds of trace elements’ shall not be used in water for drinking.
Odobrene tvari navedene u Prilogu kao dodaci koji pripadaju kategoriji „nutritivni dodaci” i funkcionalnoj skupini „mineralne mješavine” ne smiju se upotrebljavati u vodi za piće.
Denial
Odbijanje zahtjeva za odobrenje
The authorisation for ferric oxide is hereby denied and the substance shall no longer be used as nutritional feed additive.
Zahtjev za odobrenje željeznog oksida odbija se i ta se tvar više ne smije upotrebljavati kao dodatak hrani za životinje.
In the Annex to Regulation (EC) No 1334/2003, from the entry E1 on the element Iron-Fe the following additives, their chemical formulas and descriptions are deleted: ‘Ferric chloride hexahydrate’, ‘Ferrous carbonate’, ‘Ferrous chelate of amino acids hydrate’, ‘Ferrous fumarate’, ‘Ferrous sulphate heptahydrate’, ‘Ferrous sulphate monohydrate’ and ‘Ferric oxide’.
U Prilogu Uredbi (EZ) br. 1334/2003 iz unosa E 1 za element „Željezo-Fe” brišu se sljedeći dodaci te njihove kemijske formule i opisi: „Željezni klorid, heksahidrat”, „Željezni karbonat”, „Kelati dvovalentnog željeza s hidratima aminokiselina”, „Željezni fumarat”, „Željezni sulfat, heptahidrat”, „Željezni sulfat, monohidrat” te „Željezni oksid”.
In the Annex to Regulation (EC) No 479/2006, the entry E1 on the additive ‘Ferrous chelate of glycine, hydrate’ is deleted.
U Prilogu Uredbi (EZ) br. 479/2006 briše se unos E1 za dodatak „Željezni kelat glicin hidrata”.
The substances ‘Ferric chloride hexahydrate’, ‘Ferrous carbonate’, ‘Ferrous chelate of amino acids hydrate’, ‘Ferrous chelate of glycine hydrate’, ‘Ferrous fumarate’, ‘Ferrous sulphate heptahydrate’, ‘Ferric oxide’ and ‘Ferrous sulphate monohydrate’ as authorised by Commission Regulation (EC) No 1334/2003 and Commission Regulation (EC) No 479/2006, and premixtures containing those substances, which are produced and labelled before 4 July 2018 in accordance with the rules applicable before 4 January 2018 may continue to be placed on the market and used until the existing stocks are exhausted.
Tvari „željezni klorid, heksahidrat”, „željezni karbonat”, „kelati dvovalentnog željeza s hidratima aminokiselina”, „željezni kelat glicin hidrata”, „željezni fumarat”, „željezni sulfat, heptahidrat”, „željezni oksid” te „željezni sulfat, monohidrat” kako su odobrene Uredbom Komisije (EZ) br. 1334/2003 i Uredbom Komisije (EZ) br. 479/2006, uključujući premikse koji ih sadržavaju, koje su proizvedene i označene prije 4. srpnja 2018. u skladu s pravilima primjenjivima prije 4. siječnja 2018., mogu se nastaviti stavljati na tržište i upotrebljavati dok se ne potroše postojeće zalihe.
Feed materials and compound feed containing the substances referred to in paragraph 1 which are produced and labelled before 4 January 2019 in accordance with the rules applicable before 4 January 2018 may continue to be placed on the market and used until the existing stocks are exhausted if they are intended for food-producing animals.
Krmiva i krmne smjese koji sadržavaju tvari navedene u stavku 1., a koji su proizvedeni i označeni prije 4. siječnja 2019. u skladu s pravilima primjenjivima prije 4. siječnja 2018., mogu se nastaviti stavljati na tržište i upotrebljavati dok se ne potroše postojeće zalihe ako su namijenjeni životinjama koje služe za proizvodnju hrane.
Feed materials and compound feed containing the substances referred to in paragraph 1 which are produced and labelled before 4 January 2020 in accordance with the rules applicable before 4 January 2018 may continue to be placed on the market and used until the existing stocks are exhausted if they are intended for non-food-producing animals.
Krmiva i krmne smjese koji sadržavaju tvari navedene u stavku 1., a koji su proizvedeni i označeni prije 4. siječnja 2020. u skladu s pravilima primjenjivima prije 4. siječnja 2018., mogu se nastaviti stavljati na tržište i upotrebljavati dok se ne potroše postojeće zalihe ako su namijenjeni životinjama koje ne služe za proizvodnju hrane.
EFSA Journal 2013;11(7):3287.
EFSA Journal 2013.;11(7):3287.
EFSA Journal 2014;12(2):3566.
EFSA Journal 2014.;12(2):3566.
EFSA Journal 2014;12(3):3607.
EFSA Journal 2014.;12(3):3607.
EFSA Journal 2015;13(5):4109.
EFSA Journal 2015.;13(5):4109.
EFSA Journal 2016;14(2):4396.
EFSA Journal 2016.;14(2):4396.
EFSA Journal 2017;15(2):4701.
EFSA Journal 2017.;15(2):4701.
EFSA Journal 2016;14(6):4508.
EFSA Journal 2016.;14(6):4508.
Commission Implementing Regulation (EU) 2017/2331
Provedbena uredba Komisije (EU) 2017/2331
conferring protection under Article 99 of Regulation (EU) No 1308/2013 of the European Parliament and of the Council on the name ‘La Clape’ (PDO)
o zaštiti naziva „La Clape” (ZOI) u skladu s člankom 99. Uredbe (EU) br. 1308/2013 Europskog parlamenta i Vijeća
In accordance with Article 97(2) and (3) of Regulation (EU) No 1308/2013, the Commission has examined the application to register the name ‘La Clape’ sent by France and has published it in the Official Journal of the European Union [2].
U skladu s člankom 97. stavcima 2. i 3. Uredbe (EU) br. 1308/2013 Komisija je ispitala zahtjev Francuske za upis naziva „La Clape” u registar te ga objavila u Službenom listu Europske unije [2].
In accordance with Article 99 of Regulation (EU) No 1308/2013, the name ‘La Clape’ should be protected and entered in the register referred to in Article 104 of that Regulation.
U skladu s člankom 99. Uredbe (EU) br. 1308/2013 naziv „La Clape” trebalo bi zaštititi i unijeti ga u registar iz članka 104. te uredbe.
The name ‘La Clape’ (PDO) is hereby protected.
Zaštićuje se naziv „La Clape” (ZOI).
OJ C 259, 9.8.2017, p. 3.
SL C 259, 9.8.2017., str. 3.
Commission Implementing Regulation (EU) 2017/2332
Provedbena uredba Komisije (EU) 2017/2332
on the minimum selling price for skimmed milk powder for the 15th partial invitation to tender within the tendering procedure opened by Implementing Regulation (EU) 2016/2080
o najnižoj prodajnoj cijeni za obrano mlijeko u prahu za petnaesti djelomični poziv za podnošenje ponuda u okviru natječajnog postupka otvorenoga Provedbenom uredbom (EU) 2016/2080
In the light of the tenders received for the 15th partial invitation to tender, a minimum selling price should not be fixed.
U svjetlu ponuda primljenih za petnaesti djelomični poziv za podnošenje ponuda, ne bi trebalo odrediti najnižu prodajnu cijenu.
For the 15th partial invitation to tender for the selling of skimmed milk powder within the tendering procedure opened by Implementing Regulation (EU) 2016/2080, in respect of which the period during which tenders were to be submitted ended on 12 December 2017, a minimum selling price has not been fixed.
Za petnaesti djelomični poziv za podnošenje ponuda za prodaju obranog mlijeka u prahu u okviru natječajnog postupka otvorenoga Provedbenom uredbom (EU) 2016/2080, za koji je rok za podnošenje ponuda istekao 12. prosinca 2017., ne određuje se najniža prodajna cijena.
Commission Regulation (EU) 2017/2339
Uredba Komisije (EU) 2017/2339
establishing a prohibition of fishing for skates and rays in Union waters of VIId by vessels flying the flag of Belgium
o zabrani ribolova volina i raža u vodama Unije u zoni VII.d za plovila koja plove pod zastavom Belgije
(including special condition, RJC/07D., RJE/07D., RJH/07D., RJM/07D., RJN/07D., RJU/07D., RJC/*67AKD, RJH/*67AKD, RJM/*67AKD, RJN/*67AKD, RJU/*67AKD)
(uključujući posebni uvjet RJC/07D., RJE/07D., RJH/07D., RJM/07D., RJN/07D., RJU/07D., RJC/*67AKD, RJH/*67AKD, RJM/*67AKD, RJN/*67AKD, RJU/*67AKD)
Commission Regulation (EU) 2017/2340
Uredba Komisije (EU) 2017/2340
establishing a prohibition of fishing for yellowfin tuna in IOTC Area of Competence by vessels flying the flag of Spain
o zabrani ribolova žutoperajne tune na području nadležnosti IOTC-a za plovila koja plove pod zastavom Španjolske
Yellowfin tuna (Thunnus albacares)
Žutoperajna tuna (Thunnus albacares)
IOTC Area of Competence
Područje nadležnosti IOTC-a
Commission Regulation (EU) 2017/2341
Uredba Komisije (EU) 2017/2341
establishing a prohibition of fishing for Northern albacore in Atlantic Ocean, north of 5° N by vessels flying the flag of Spain
o zabrani ribolova tunja dugokrilca sjevernog u Atlantskom oceanu sjeverno od 5° S za plovila koja plove pod zastavom Španjolske
Commission Regulation (EU) 2017/2342
Uredba Komisije (EU) 2017/2342
establishing a prohibition of fishing for greater forkbeard in Union and international waters of VIII and IX by vessels flying the flag of Portugal
o zabrani ribolova tabinje bjelice u vodama Unije i međunarodnim vodama u zonama VIII. i IX. za plovila koja plove pod zastavom Portugala
Directorate-General for Maritime Affairs and Fisheries
Glavna uprava za pomorstvo i ribolov
GFB/89- (including special condition GFB/*567-)
GFB/89- (uključujući posebni uvjet GFB/*567-)
Commission Regulation (EU) 2017/2343
Uredba Komisije (EU) 2017/2343
establishing a prohibition of fishing for deep-sea sharks in Union and international waters of X by vessels flying the flag of Portugal
o zabrani ribolova dubokomorskih morskih pasa u Uniji i međunarodnim vodama u zoni X. za plovila koja plove pod zastavom Portugala
Deep-sea sharks (Deania hystricosa and Deania profundorum)
Dubokomorski morski psi (Deania hystricosa i Deania profundorum)
Commission Regulation (EU) 2017/2344
Uredba Komisije (EU) 2017/2344
establishing a prohibition of fishing for alfonsinos in Union and international waters of III, IV, V, VI, VII, VIII, IX, X, XII and XIV by vessels flying the flag of Portugal
o zabrani ribolova alfonsina u vodama Unije i međunarodnim vodama u zonama III., IV., V., VI., VII., VIII., IX., X., XII. i XIV. za plovila koja plove pod zastavom Portugala
Commission Regulation (EU) 2017/2345
Uredba Komisije (EU) 2017/2345
establishing a prohibition of fishing for ling in Union and international waters of I and II by vessels flying the flag of France
o zabrani ribolova manjića u vodama Unije i međunarodnim vodama u zonama I. i II. za plovila koja plove pod zastavom Francuske
Commission Regulation (EU) 2017/2346
Uredba Komisije (EU) 2017/2346
establishing a prohibition of fishing for anchovy in IX and X; Union waters of CECAF 34.1.1 by vessels flying the flag of Portugal
o zabrani ribolova inćuna u zonama IX. i X. u vodama Unije u zoni CECAF 34.1.1 za plovila koja plove pod zastavom Portugala
Commission Regulation (EU) 2017/2347
Uredba Komisije (EU) 2017/2347
establishing a prohibition of fishing for skates and rays in Union waters of VIa, VIb, VIIa-c and VIIe-k by vessels flying the flag of Spain
o zabrani ribolova volina i raža u vodama Unije u zonama VI.a, VI.b, VII.a–c i VII.e–k za plovila koja plove pod zastavom Španjolske
SRX/67AKXD (including special condition RJC/67AKXD; RJE/7FG.; RJF/67AKXD; RJH/67AKXD; RJI/67AKXD; RJM/67AKXD; RJN/67AKXD; RJU/67AKXD; RJC/*07D.; RJE/*07D.; RJF/*07D.; RJH/*07D.; RJI/*07D.; RJM/*07D.; RJN/*07D.; RJU/*07D.)
SRX/67AKXD (uključujući posebni uvjet RJC/67AKXD; RJE/7FG.; RJF/67AKXD; RJH/67AKXD; RJI/67AKXD; RJM/67AKXD; RJN/67AKXD; RJU/67AKXD; RJC/*07D.; RJE/*07D.; RJF/*07D.; RJH/*07D.; RJI/*07D.; RJM/*07D.; RJN/*07D.; RJU/*07D.)
Commission Regulation (EU) 2017/2348
Uredba Komisije (EU) 2017/2348
establishing a prohibition of fishing for haddock in areas VIIb-k, VIII, IX and X; Union waters of CECAF 34.1.1 by vessels flying the flag of Belgium
o zabrani ribolova koljaka u zonama VII.b – k, VIII., IX. i X. te u vodama Unije na području CECAF 34.1.1 za plovila koja plove pod zastavom Belgije
Commission Implementing Regulation (EU) 2017/2349
Provedbena uredba Komisije (EU) 2017/2349
amending Implementing Regulation (EU) 2016/2080 as regards the date of entry into storage of the skimmed milk powder sold by a tendering procedure
o izmjeni Provedbene uredbe (EU) 2016/2080 u pogledu datuma uskladištenja obranog mlijeka u prahu prodanog putem natječajnog postupka
In order to define the quantities of skimmed milk powder covered by the tendering procedure opened by Commission Implementing Regulation (EU) 2016/2080 [3], Article 1 of that Regulation lays down a time limit before which the skimmed milk powder must have entered into public storage.
Kako bi se definirale količine obranog mlijeka u prahu obuhvaćene natječajnim postupkom koji je otvoren Provedbenom uredbom Komisije (EU) 2016/2080 [3], u članku 1. te uredbe utvrđen je vremenski rok do kojega se obrano mlijeko u prahu mora javno uskladištiti.
Given the current situation on the milk and milk products market in terms of price recovery and the high level of intervention stocks, it is appropriate that an additional volume of skimmed milk powder is made available for sale by changing the date of entry into storage.
S obzirom na sadašnju situaciju na tržištu mlijeka i mliječnih proizvoda u smislu oporavka cijena i visoke razine interventnih zaliha, potrebno je promijeniti datum uskladištenja kako bi se na raspolaganje za prodaju stavila dodatna količina obranog mlijeka u prahu.
In order to make the skimmed milk powder available for sale without delay, this Regulation should enter into force on the day after its publication in the Official Journal of the European Union.
Kako bi se omogućilo da obrano mlijeko u prahu bude bez odlaganja raspoloživo za prodaju, ova bi Uredba trebala stupiti na snagu dan nakon objave u Službenom listu Europske unije,
In Article 1 of Implementing Regulation (EU) 2016/2080, the date of ‘1 November 2015’ is replaced by ‘1 April 2016’.
U članku 1. Provedbene uredbe (EU) 2016/2080 datum „1. studenoga 2015.” zamjenjuje se s „1. travnja 2016.”.
Commission Delegated Regulation (EU) 2017/2358
Delegirana uredba Komisije (EU) 2017/2358
supplementing Directive (EU) 2016/97 of the European Parliament and of the Council with regard to product oversight and governance requirements for insurance undertakings and insurance distributors
o dopuni Direktive (EU) 2016/97 Europskog parlamenta i Vijeća u pogledu zahtjeva za nadgledanje proizvoda i upravljanje njima za društva za osiguranje i distributere osiguranja
Having regard to Directive (EU) 2016/97 of the European Parliament and of the Council of 20 January 2016 on insurance distribution [1], and in particular Article 25(2) thereof,
uzimajući u obzir Direktivu (EU) 2016/97 Europskog parlamenta i Vijeća od 20. siječnja 2016. o distribuciji osiguranja [1], a posebno njezin članak 25. stavak 2.,
Directive (EU) 2016/97 empowers the Commission to adopt delegated acts to further specify the product oversight and governance requirements set out in Article 25 of that directive.
Direktivom (EU) 2016/97 Komisija se ovlašćuje za donošenje delegiranih akata za dodatno utvrđivanje zahtjeva za nadgledanje proizvoda i upravljanja njima utvrđenih člankom 25. te Direktive.
In the interest of effective customer protection, product oversight and governance rules should apply in a coherent manner to all newly developed insurance products and to significant adaptations of existing insurance products, irrespective of the type of product and of the requirements applicable at the point of sale.
Radi učinkovite zaštite potrošača, pravila o nadgledanju proizvoda i upravljanju njima trebala bi se dosljedno primjenjivati na sve nove proizvode osiguranja i na velike prilagodbe postojećih proizvoda osiguranja, bez obzira na vrstu proizvoda i zahtjeve koji se primjenjuju na prodajno mjesto.
The form of a Regulation ensures a coherent framework for all market operators and is the best possible guarantee for a level playing field, equal conditions of competition and an appropriate standard of consumer protection.
Oblikom uredbe osigurava se usklađen okvir za sve subjekte na tržištu i najbolje je moguće jamstvo jednakih pravila za sve, jednakih uvjeta tržišnog natjecanja i odgovarajućeg standarda zaštite potrošača.
In light of the requirements of Directive (EU) 2016/97, product oversight and governance measures should be chosen and applied in a proportionate and appropriate manner, depending on the complexity of the product and the degree to which publicly available information can be obtained, taking into account the nature of the insurance product and the risk of consumer detriment related to it, the characteristics of the target market and the nature, scale and complexity of the relevant business of the manufacturer or distributor.
U skladu sa zahtjevima Direktive (EU) 2016/97 mjere za nadgledanje proizvoda i upravljanje njima potrebno je odabrati te proporcionalno i primjereno primjenjivati ovisno o složenosti proizvoda i mjeri u kojoj je moguće prikupiti javno dostupne informacije, uzimajući u obzir svojstva proizvoda osiguranja i pripadajući rizik od štete za potrošača, karakteristike ciljnog tržišta i vrstu, opseg i složenost relevantnog poslovanja proizvođača ili distributera.
Proportionality means that those measures should be relatively simple for straightforward and non-complex products that are compatible with the needs and characteristics of the mass retail market, including current non-life insurance products with a limited, easily understandable scope.
Proporcionalnost znači da bi te mjere trebale biti relativno jednostavne u slučaju jasnih i jednostavnih proizvoda koji odgovaraju potrebama i karakteristikama masovnog maloprodajnog tržišta, uključujući postojeće proizvode neživotnog osiguranja s ograničenim i jasno razumljivim opsegom.
On the other hand, in the case of more complex products with a higher risk of consumer detriment, including insurance-based investment products not covered by Article 30(3) of Directive (EU) 2016/97, more exacting measures should be required.
S druge strane, kad je riječ o složenijim proizvodima s većim rizikom od štete za potrošača, uključujući investicijske proizvode osiguranja koji nisu obuhvaćeni člankom 30. stavkom 3. Direktive (EU) 2016/97, potrebne su preciznije mjere.
For the purposes of Article 25(1) of Directive (EU) 2016/97, an insurance intermediary should be considered as a manufacturer of an insurance product where it appears from an overall analysis of the intermediary's activity on a case-by-case basis, that the insurance intermediary autonomously decides on the essential features and main elements of an insurance product, including the coverage, costs, risks, target market or compensation or guarantee rights.
Za potrebe članka 25. stavka 1. Direktive (EU) 2016/97 posrednika u osiguranju potrebno je smatrati proizvođačem proizvoda osiguranja ako je iz cjelokupne analize njegova poslovanja na pojedinačnoj osnovi jasno da posrednik u osiguranju samostalno odlučuje o ključnim obilježjima i glavnim elementima proizvoda osiguranja, uključujući pokriće, cijenu, troškove, rizike, ciljno tržište ili prava u području naknade i jamstva.