natgillin/translations-raw huggingface dataset:
A clarification of the criteria and the process of prudential assessment is therefore needed to provide the necessary legal certainty, clarity and predictability with regard to the assessment process, as well as to the result thereof.
Zato je treba pojasniti merila in postopek skrbne ocene, da se zagotovijo potrebna pravna varnost, jasnost in predvidljivost ocenjevalnega postopka ter njegovih rezultatov.
Those criteria and procedures were introduced by provisions in Directive 2007/44/EC.
Ta merila in postopke uvajajo določbe Direktive 2007/44/ES.
As regards insurance and reinsurance those provisions should therefore be codified and integrated into this Directive.
Kar zadeva zavarovanje in pozavarovanje, bi bilo treba te določbe zato kodificirati in vključiti v to direktivo.
Maximum harmonisation throughout the Community of those procedures and prudential assessments is therefore critical.
Zato je ključnega pomena, da so ti postopki in skrbne ocene čim bolj usklajeni na ravni Skupnosti.
However, the provisions on qualifying holdings should not prevent the Member States from requiring that the supervisory authorities are to be informed of acquisitions of holdings below the thresholds laid down in those provisions, so long as a Member State imposes no more than one additional threshold below 10 % for that purpose.
Vendar določbe o kvalificiranih deležih državam članicam ne bi smele preprečevati, da zahtevajo, da se nadzorni organi obvestijo o pridobitvi deležev, ki ne dosegajo pragov iz teh določb, če država članica v ta namen ne določi več kot enega dodatnega praga v višini pod 10 %.
Nor should those provisions prevent the supervisory authorities from providing general guidance as to when such holdings would be deemed to result in significant influence.
Prav tako ne bi smele te določbe preprečevati nadzornim organom, da določijo splošne smernice o tem, kdaj naj bi taki deleži zagotavljali pomemben vpliv.
In view of the increasing mobility of citizens of the Union, motor liability insurance is increasingly being offered on a cross-border basis.
Zaradi povečane mobilnosti državljanov Unije se zavarovanje avtomobilske odgovornosti vedno pogosteje ponuja tudi prek meja.
To ensure the continued proper functioning of the green card system and the agreements between the national bureaux of motor insurers, it is appropriate that Member States are able to require insurance undertakings providing motor liability insurance in their territory by way of provision of services to join and participate in the financing of the national bureau as well as of the guarantee fund set up in that Member State.
Za zagotovitev trajnega pravilnega delovanja sistema zelene karte in sporazumov med nacionalnimi biroji za avtomobilsko zavarovanje je primerno, da lahko države članice od zavarovalnic, ki na svojem ozemlju zagotavljajo avtomobilsko zavarovanje z opravljanjem storitev, zahtevajo, da se združijo in sodelujejo pri financiranju nacionalnega biroja ter pri ustanovitvi jamstvenega sklada v tej državi članici.
The Member State of provision of services should require undertakings which provide motor liability insurance to appoint a representative in its territory to collect all necessary information in relation to claims and to represent the undertaking concerned.
Država članica, v kateri se opravljajo storitve, bi morala od podjetij, ki ponujajo zavarovanje avtomobilske odgovornosti, zahtevati, da imenujejo zastopnika na njenem ozemlju, ki zbira vse potrebne informacije v zvezi z odškodninskimi zahtevki in ki zastopa zadevno podjetje.
Within the framework of an internal market it is in the interest of policy holders that they should have access to the widest possible range of insurance products available in the Community.
V okviru notranjega trga je v interesu imetnikov polic, da bi imeli dostop do čim širšega izbora zavarovalnih proizvodov, ki so na voljo v Skupnosti.
The Member State in which the risk is situated or the Member State of the commitment should therefore ensure that there is nothing to prevent the marketing within its territory of all the insurance products offered for sale in the Community as long as they do not conflict with the legal provisions protecting the general good in force in that Member State and in so far as the general good is not safeguarded by the rules of the home Member State.
Država članica, v kateri je prisotno tveganje, ali država članica obveznosti bi morala zato zagotoviti, da zavarovalnicam nič ne preprečuje, da bi na njenem ozemlju tržile vse zavarovalne proizvode, ki se prodajajo v Skupnosti, dokler niso v nasprotju s predpisi, ki varujejo javno dobro, ki veljajo v tej državi članici, in če javno dobro ni zavarovano s pravili matične države članice.
Provision should be made for a system of sanctions to be imposed when, in the Member State in which the risk is situated or the Member State of the commitment, an insurance undertaking does not comply with any applicable provisions protecting the general good.
Treba bi bilo določiti sistem sankcij, ki se naložijo, če v državi članici, v kateri je prisotno tveganje, ali državi članici obveznosti zavarovalnica ne upošteva določb, ki varujejo javno dobro.
In an internal market for insurance, consumers have a wider and more varied choice of contracts.
Na notranjem trgu zavarovalniških poslov imajo potrošniki večjo in pestrejšo izbiro pogodb.
If they are to benefit fully from that diversity and from increased competition, consumers should be provided with whatever information is necessary before the conclusion of the contract and throughout the term of the contract to enable them to choose the contract best suited to their needs.
Če naj imajo popolne koristi od te raznolikosti in večje konkurence, bi bilo potrošnikom treba zagotoviti vse potrebne informacije, preden sklenejo pogodbo, v času veljavnosti pogodbe pa jim je treba omogočiti, da izberejo pogodbo, ki najbolje zadovoljuje njihove potrebe.
An insurance undertaking offering assistance contracts should possess the means necessary to provide the benefits in kind which it offers within an appropriate period of time.
Zavarovalnica, ki ponuja pogodbe o zavarovanju pomoči, bi morala razpolagati s sredstvi, ki omogočajo, da v primernem roku zagotovi povračila v naravi, ki jih ponuja.
Special provisions should be laid down for calculating the Solvency Capital Requirement and the absolute floor of the Minimum Capital Requirement which such undertaking should possess.
Treba bi bilo sprejeti posebne določbe za izračun zahtevanega solventnostnega kapitala in najnižjega zneska zahtevanega minimalnega kapitala, ki bi ga moralo takšno podjetje imeti.
The effective pursuit of Community co-insurance business for activities which are by reason of their nature or their size likely to be covered by international co-insurance should be facilitated by a minimum of harmonisation in order to prevent distortion of competition and differences in treatment.
Učinkovito opravljanje sozavarovanja na ravni Skupnosti za dejavnosti, za katere je verjetno, da jih zaradi njihove narave ali velikosti krije mednarodno sozavarovanje, bi bilo treba pospešiti z zadostnim usklajevanjem za preprečitev izkrivljanja konkurence in razlik pri obravnavanju.
In that context, the leading insurance undertaking should assess claims and fix the amount of technical provisions.
V zvezi s tem bi morala vodilna zavarovalnica oceniti škodne zahtevke in določiti znesek zavarovalno-tehničnih rezervacij.
Moreover, special cooperation should be provided for in the Community co-insurance field both between the supervisory authorities of the Member States and between those authorities and the Commission.
Poleg tega bi bilo treba zagotoviti posebno sodelovanje na področju sozavarovanja na ravni Skupnosti med nadzornimi organi držav članic ter med temi organi in Komisijo.
In the interest of the protection of insured persons, national law concerning legal expenses insurance should be harmonised.
Za zaščito zavarovancev bi bilo treba uskladiti nacionalno zakonodajo v zvezi z zavarovanjem stroškov postopka.
Any conflicts of interest arising, in particular, from the fact that the insurance undertaking is covering another person or is covering a person in respect of both legal expenses and any other class of insurance should be precluded as far as possible or resolved.
Vsa navzkrižja interesov, ki izhajajo zlasti iz dejstva, da zavarovalnica krije drugo osebo ali krije osebo v zvezi s stroški postopka in drugo vrsto zavarovanja, bi bilo treba preprečiti v največji možni meri oziroma jih je treba razrešiti.
To that end, a suitable level of protection of policy holders can be achieved by different means.
V ta namen je na različne načine mogoče doseči ustrezno raven zaščite imetnikov polic.
Whichever solution is adopted, the interest of persons having legal expenses cover should be protected by equivalent safeguards.
Ne glede na sprejeto rešitev bi bilo treba interes oseb, ki imajo kritje stroškov postopka, zaščititi z ustreznimi zaščitnimi ukrepi.
Conflicts between insured persons and insurance undertakings covering legal expenses should be settled in the fairest and speediest manner possible.
Nasprotja med zavarovanci in zavarovalnicami glede pravnih stroškov bi bilo treba rešiti na najpravičnejši in najhitrejši način.
It is therefore appropriate that Member States provide for an arbitration procedure or a procedure offering comparable guarantees.
Zato je primerno, da države članice zagotovijo postopek arbitraže ali postopek, ki ponuja primerljiva zagotovila.
In some Member States, private or voluntary health insurance serves as a partial or complete alternative to health cover provided for by the social security systems.
V nekaterih državah članicah je zasebno ali prostovoljno zdravstveno zavarovanje delna ali popolna alternativa zdravstvenemu kritju, ki ga zagotavljajo sistemi socialne varnosti.
The particular nature of such health insurance distinguishes it from other classes of indemnity insurance and life insurance insofar as it is necessary to ensure that policy holders have effective access to private health cover or health cover taken out on a voluntary basis regardless of their age or risk profile.
Posebna narava takšnega zdravstvenega zavarovanja ga razlikuje od drugih vrst škodnega zavarovanja in življenjskega zavarovanja, če je treba zagotoviti, da imajo imetniki polic učinkovit dostop do zasebnega zavarovanja ali prostovoljno sklenjenega zdravstvenega zavarovanja ne glede na starost ali profil tveganj.
Given the nature and the social consequences of health insurance contracts, the supervisory authorities of the Member State in which a risk is situated should be able to require systematic notification of the general and special policy conditions in the case of private or voluntary health insurance in order to verify that such contracts are a partial or complete alternative to the health cover provided by the social security system.
Zaradi narave in družbenih posledic pogodb o zdravstvenem zavarovanju bi morali imeti nadzorni organi države članice, v kateri je prisotno tveganje, možnost, da zahtevajo sistematično obveščanje o splošnih in posebnih zavarovalnih pogojih v primeru zasebnega ali prostovoljnega zdravstvenega zavarovanja, da bi preverili, ali so take pogodbe delna ali popolna alternativa zdravstvenemu kritju, ki ga zagotavlja sistem socialne varnosti.
Such verification should not be a prior condition for the marketing of the products.
Tako preverjanje ne sme biti pogoj za trženje proizvodov.
To that end, some Member States have adopted specific legal provisions.
V ta namen so nekatere države članice sprejele posebne določbe.
To protect the general good, it should be possible to adopt or maintain such legal provisions in so far as they do not unduly restrict the right of establishment or the freedom to provide services, it being understood that such provisions should apply in an identical manner.
Za zaščito javnega dobra bi morala obstajati možnost sprejetja ali ohranitve takih zakonskih določb, če ne gre za neupravičeno omejevanje pravice do ustanavljanja ali svobode opravljanja storitev in se pri tem razume, da bi bilo potrebno take določbe uporabljati na enak način.
Those legal provisions may differ in nature according to the conditions in each Member State.
Te zakonske določbe se lahko po naravi razlikujejo glede na pogoje v vsaki državi članici.
The objective of protecting the general good may also be achieved by requiring undertakings offering private health cover or health cover taken out on a voluntary basis to offer standard policies in line with the cover provided by statutory social security schemes at a premium rate at or below a prescribed maximum and to participate in loss compensation schemes.
Cilj varovanja javnega dobra se lahko doseže tudi tako, da se od podjetij, ki ponujajo zasebno zdravstveno zavarovanje ali sklenitev prostovoljnega zdravstvenega zavarovanja, zahteva, da ponujajo standardne police v skladu s kritjem, predvidenim v programih obvezne socialne varnosti s premijsko stopnjo do predpisanega maksimuma in da sodelujejo v programih odškodnin za izgube.
As a further possibility, it may be required that the technical basis of private health cover or health cover taken out on a voluntary basis be similar to that of life insurance.
Nadalje je mogoče zahtevati, da je tehnična podlaga zasebnega zdravstvenega zavarovanja ali prostovoljno sklenjenega zdravstvenega zavarovanja podobna kot podlaga za življenjsko zavarovanje.
Host Member States should be able to require any insurance undertaking which offers, within their territories, compulsory insurance against accidents at work at its own risk to comply with the specific provisions laid down in their national law on such insurance.
Države članice gostiteljice bo morale imeti možnost, da od vsake zavarovalnice, ki na njihovem ozemlju na lastno odgovornost ponuja obvezno zavarovanje za nesreče pri delu, zahtevajo izpolnjevanje posebnih določb njihove nacionalne zakonodaje o takem zavarovanju.
However, such a requirement should not apply to the provisions concerning financial supervision, which should remain the exclusive responsibility of the home Member State.
Vendar pa se ta zahteva ne bi smela uporabljati za določbe v zvezi s finančnim nadzorom, ki bi morale ostati v izključni odgovornosti matične države članice.
Some Member States do not subject insurance transactions to any form of indirect taxation, while the majority apply special taxes and other forms of contribution, including surcharges intended for compensation bodies.
V nekaterih državah članicah zavarovalniške transakcije sploh niso predmet posredne obdavčitve, večina pa obračunava posebne davke in druge oblike prispevkov, vključno z dodatnimi davščinami za odškodninske organe.
The structures and rates of such taxes and contributions vary considerably between the Member States in which they are applied.
Sestava takih davkov in prispevkov ter njihove stopnje, ki se uporabljajo v posameznih državah članicah, se znatno razlikujejo.
It is desirable to prevent existing differences leading to distortions of competition in insurance services between Member States.
Zaželeno je, da bi odpravili razlike, ki med državami članicami povzročajo izkrivljanje konkurence na področju zavarovalniških storitev.
Pending subsequent harmonisation, the application of the tax systems and other forms of contribution provided for by the Member States in which the risk is situated or in the Member State of the commitment is likely to remedy that problem and it is for the Member States to make arrangements to ensure that such taxes and contributions are collected.
Dokler to področje ne bo usklajeno, je mogoče ta problem obvladovati z davčnimi sistemi in drugimi oblikami prispevkov, ki jih določajo države članice, kjer obstaja tveganje, ali države članice, kjer so bile prevzete obveznosti, pri čemer morajo države članice poskrbeti za to, da se bodo omenjeni davki in prispevki tudi pobrali.
Those Member States not subject to the application of Regulation (EC) No 593/2008 of the European Parliament and of the Council of 17 June 2008 on the law applicable to contractual obligations (Rome I) [21] should, in accordance with this Directive, apply the provisions of that Regulation in order to determine the law applicable to contracts of insurance falling within the scope of Article 7 of that Regulation.
Države članice, ki ne uporabljajo Uredbe (ES) št. 593/2008 Evropskega parlamenta in Sveta z dne 17. junija 2008 o pravu, ki se uporablja za pogodbena obligacijska razmerja (Rim I) [21], bi morale v skladu s to direktivo uporabljati določbe navedene uredbe, da določijo, katero pravo se uporablja za zavarovalne pogodbe, ki sodijo na področje uporabe člena 7 navedene uredbe.
In order to take account of the international aspects of reinsurance, provision should be made to enable the conclusion of international agreements with a third country aimed at defining the means of supervision over reinsurance entities which conduct business in the territory of each contracting party.
Za upoštevanje mednarodnih vidikov pozavarovanja bi bilo treba določiti možnost sklenitve mednarodnih sporazumov s tretjo državo, katerih namen je opredelitev sredstev nadzora nad subjekti pozavarovanja, ki opravljajo dejavnost na ozemlju vsake pogodbenice.
Moreover, a flexible procedure should be provided for to make it possible to assess prudential equivalence with third countries on a Community basis, so as to improve liberalisation of reinsurance services in third countries, be it through establishment or cross-border provision of services.
Poleg tega bi bilo treba določiti prilagodljiv postopek za omogočanje presoje enakovrednosti pravil skrbnega in varnega poslovanja s tretjimi državami na ravni Skupnosti, da se izboljša liberalizacija storitev pozavarovanja v tretjih državah z ustanavljanjem ali čezmejnim zagotavljanjem storitev.
Due to the special nature of finite reinsurance activities, Member States should ensure that insurance and reinsurance undertakings concluding finite reinsurance contracts or pursuing finite reinsurance activities can properly identify, measure and control the risks arising from those contracts or activities.
Zaradi posebne narave končnih pozavarovalnih dejavnosti bi morale države članice zagotoviti, da lahko zavarovalnice in pozavarovalnice, ki sklepajo pogodbe končnega pozavarovanja ali izvajajo dejavnosti končnega pozavarovanja, ustrezno opredelijo, izmerijo in nadzorujejo nevarnosti, ki izhajajo iz teh pogodb ali poslov.
Appropriate rules should be provided for special purpose vehicles which assume risks from insurance and reinsurance undertakings without being an insurance or reinsurance undertaking.
Treba bi bilo sprejeti ustrezna pravila za namenske družbe, ki prevzamejo tveganja zavarovalnic in pozavarovalnic, čeprav same niso zavarovalnice ali pozavarovalnice.
Recoverable amounts from a special purpose vehicle should be considered as amounts deductible under reinsurance or retrocession contracts.
Izterljivi zneski namenskih družb bi se morali šteti kot odbitne količine na podlagi pozavarovanja ali pogodb o retrocesiji.
Special purpose vehicles authorised before 31 October 2012 should be subject to the law of the Member State having authorised the special purpose vehicle.
Za namenske družbe, ki so pridobile dovoljenje pred 31. oktobrom 2012, bi morala veljati zakonodaja države članice, ki je namensko družbo odobrila.
However, in order to avoid regulatory arbitrage, any new activity commenced by such a special purpose vehicle after 31 October 2012 should be subject to the provisions of this Directive.
Da bi se izognili regulativni arbitraži, pa bi morale za vsako novo dejavnost, ki jo takšna namenska družba začne po 31. oktobru 2012, veljati določbe te direktive.
Given the increasing cross-border nature of insurance business, divergences between Member States’ regimes on special purpose vehicles, which are subject to the provisions of this Directive, should be reduced to the greatest extent possible, taking account of their supervisory structures.
Zaradi vse bolj čezmejne narave zavarovalništva bi bilo treba razlike med ureditvijo namenskih družb, za katere veljajo določbe te direktive, v posameznih državah članicah čim bolj zmanjšati, pri tem pa upoštevati njihove nadzorne strukture.
Further work on special purpose vehicles should be conducted taking into account the work undertaken in other financial sectors.
V zvezi z namenskimi družbami bi bilo potrebno nadaljnje delo, pri čemer je treba upoštevati delo, opravljeno v drugih finančnih sektorjih.
Measures concerning the supervision of insurance and reinsurance undertakings in a group should enable the authorities supervising an insurance or reinsurance undertaking to form a more soundly based judgment of its financial situation.
Ukrepi v zvezi z nadzorom zavarovalnic in pozavarovalnic v zavarovalniški skupini bi morali organom, ki nadzirajo zavarovalnico ali pozavarovalnico, omogočiti, da oblikujejo boljšo presojo njenega finančnega stanja.
Such group supervision should take into account insurance holding companies and mixed-activity insurance holding companies to the extent necessary.
Takšen nadzor skupine bi moral v potrebnem obsegu upoštevati zavarovalne holdinge in mešane zavarovalne holdinge.
However, this Directive should not in any way imply that Member States are required to apply supervision to those undertakings considered individually.
Vendar pa ta direktiva nikakor ne bi smela pomeniti, da morajo države članice izvajati nadzor teh zavarovalnic, ki se obravnavajo posamezno.
Whilst the supervision of individual insurance and reinsurance undertakings remains the essential principle of insurance supervision it is necessary to determine which undertakings fall under the scope of supervision at group level.
Medtem ko nadzor posameznih zavarovalnic in pozavarovalnic ostaja bistveno načelo zavarovalniškega nadzora, je treba določiti, katera podjetja zajema nadzor na ravni skupin.
Subject to Community and national law, undertakings, in particular mutual and mutual-type associations, should be able to form concentrations or groups, not through capital ties but through formalised strong and sustainable relationships, based on contractual or other material recognition that guarantees a financial solidarity between those undertakings.
V skladu z zakonodajo Skupnosti in nacionalno zakonodajo se zavarovalnice, zlasti vzajemne družbe in družbe, ki delujejo po načelu vzajemnosti, ne bi smele združevati v koncerne ali skupine prek kapitalskih vezi, temveč močnih in trajnih formalnih razmerij, temelječih na pogodbenem razmerju ali drugem dejanskem priznanju, ki zagotavlja finančno solidarnost med temi podjetji.
Where a dominant influence is exercised through a centralised coordination, those undertakings should be supervised in accordance with the same rules as those provided for groups constituted through capital ties in order to achieve an adequate level of protection for policy holders and a level playing field between groups.
Če ima skupina prevladujoč vpliv zaradi centralizirane koordinacije, bi bilo treba ta podjetja nadzirati v skladu z enakimi pravili, ki veljajo za skupine, nastale s kapitalskimi povezavami, da se dosežejo ustrezna raven zaščite imetnikov polic in enaki pogoji za vse skupine.
Group supervision should apply in any case at the level of the ultimate parent undertaking which has its head office in the Community.
Nadzor skupine bi morale v vsakem primeru veljati na ravni končnega matičnega podjetja, ki ima sedež v Skupnosti.
Member States should however be able to allow their supervisory authorities to apply group supervision at a limited number of lower levels, where they deem it necessary.
Vendar bi morale države članice svojim nadzornim organom dovoliti, da nadzor skupine izvajajo v omejenem številu nižjih ravni, kjer se to zdi potrebno.
It is necessary to calculate solvency at group level for insurance and reinsurance undertakings forming part of a group.
Za zavarovalnice in pozavarovalnice, ki tvorijo del skupine, je treba izračunati solventnost na ravni skupine.