natgillin/translations-raw huggingface dataset:
In the case of insurances with profit participation, the insurer shall inform the policy holder annually in writing of the status of the claims of the policy holder, incorporating the profit participation.
V primeru zavarovanj z naložbenim tveganjem zavarovatelj vsako leto pisno obvesti imetnika police o stanju zahtevkov imetnika police, vključno z donosnostjo.
Furthermore, where the insurer has provided figures about the potential future development of the profit participation, the insurer shall inform the policy holder of differences between the actual development and the initial data.
Poleg tega zavarovatelj obvesti imetnika police o razlikah med dejanskim in začetnim stanjem, kadar je zagotovil podatke o možnih prihodnjih donosih.
The information referred to in paragraphs 2 to 5 shall be provided in a clear and accurate manner, in writing, in an official language of the Member State of the commitment.
Informacije iz odstavkov 2 do 5 se posredujejo jasno in natančno, pisno in v uradnem jeziku države članice obveznosti.
However, such information may be in another language if the policy holder so requests and the law of the Member State so permits or the policy holder is free to choose the law applicable.
Te informacije pa so lahko tudi v drugem jeziku, če tako zahteva imetnik police in če to dovoljuje pravo države članice ali če lahko imetnik police veljavno pravo prosto izbira.
The Member State of the commitment may require life insurance undertakings to furnish information in addition to that listed in paragraphs 2 to 5 only if it is necessary for a proper understanding by the policy holder of the essential elements of the commitment.
Država članica obveznosti lahko od življenjskih zavarovalnic zahteva, da poleg informacij, naštetih v odstavkih 2 do 5, pošljejo še druge informacije, če je to potrebno, da imetnik police pravilno razume bistvene elemente obveznosti.
The detailed rules for implementing paragraphs 1 to 7 shall be laid down by the Member State of the commitment.
Podrobna pravila za izvajanje odstavkov 1 do 7 določi država članica obveznosti.
Article 186
ČLEN 186
Cancellation period
Čas za odstop
Member States shall provide for policy holders who conclude individual life insurance contracts to have a period of between 14 and 30 days from the time when they were informed that the contract had been concluded within which to cancel the contract.
Države članice predvidijo, da lahko imetniki polic, ki sklenejo individualne pogodbe o življenjskem zavarovanju, v času od 14 do 30 dni od dneva, ko so bili obveščeni o sklenitvi pogodbe, odstopijo od pogodbe.
The giving of notice of cancellation by the policy holders shall have the effect of releasing them from any future obligation arising from the contract.
Če imetniki polic pošljejo obvestilo o odstopu, so v prihodnje prosti obveznosti, ki izhajajo iz pogodbe.
The other legal effects and the conditions of cancellation shall be determined by the law applicable to the contract, notably as regards the arrangements for informing the policy holder that the contract has been concluded.
Drugi pravni učinki in pogoji odstopa se določijo s pravom, ki se uporabi za pogodbo, predvsem glede podrobnosti obveščanja imetnika police o sklenitvi pogodbe.
The Member States may opt not to apply paragraph 1 in the following cases:
Države članice se lahko odločijo, da v naslednjih primerih ne uporabijo odstavka 1:
where a contract has a duration of six months or less;
če pogodba traja 6 mesecev ali manj;
where, because of the status of the policy holder or the circumstances in which the contract is concluded, the policy holder does not need special protection.
če zaradi statusa imetnika police ali okoliščin, v katerih je pogodba sklenjena, zavarovalec ne potrebuje posebne zaščite
Where Member States make use of the option set out in the first subparagraph they shall specify that fact in their law.
Če države članice uporabijo možnost iz prvega pododstavka, to navedejo v svojem pravu.
Provisions specific to non-life insurance
Določbe v zvezi z neživljenjskim zavarovanjem
Article 187
ČLEN 187
Policy Conditions
Zavarovalni pogoji
General and special policy conditions shall not include any conditions intended to meet, in an individual case, the particular circumstances of the risk to be covered.
Splošni in posebni zavarovalni pogoji ne vključujejo nobenih pogojev, ki ustrezajo v posameznem primeru posebnim okoliščinam krite nevarnosti.
Article 188
ČLEN 188
Abolition of monopolies
Odprava monopolov
Member States shall ensure that monopolies in respect of the taking-up of the business of certain classes of insurance, granted to bodies established within their territories and referred to in Article 8, are abolished.
Države članice zagotovijo, da se monopoli v zvezi z opravljanjem nekaterih vrst zavarovalnih poslov, dodeljenih institucijam na njihovih ozemljih in navedenih v členu 8, ukinejo.
Article 189
ČLEN 189
Participation in national guarantee schemes
Udeležba v nacionalnih jamstvenih sistemih
Host Member States may require non-life insurance undertakings to join and participate, on the same terms as non-life insurance undertakings authorised in their territories, in any scheme designed to guarantee the payment of insurance claims to insured persons and injured third parties.
Države članice gostiteljice lahko od zavarovalnic za neživljenjsko zavarovanje zahtevajo, da se vključijo in sodelujejo po enakih pogojih kot zavarovalnice za neživljenjsko zavarovanje, pooblaščene na njihovem ozemlju, v vseh programih, namenjenih jamstvu plačila odškodninskih zahtevkov zavarovancem in oškodovanim tretjim strankam.
Community co-insurance
Sozavarovanje na ravni skupnosti
Community co-insurance operations
Sozavarovalni posli na ravni Skupnosti
This Section shall apply to Community co-insurance operations which shall be those co-insurance operations which relate to one or more risks classified under classes 3 to 16 of Part A of Annex I and which fulfil the following conditions:
Ta oddelek se uporablja za sozavarovalne posle na ravni Skupnosti, ki se nanašajo na eno ali več nevarnosti iz zavarovalnih vrst 3 do 16 dela A Priloge I in ki izpolnjujejo naslednje pogoje:
the risk is a large risk;
nevarnost je velika nevarnost;
the risk is covered by a single contract at an overall premium and for the same period by two or more insurance undertakings each for its own part as co-insurer, one of them being the leading insurance undertaking;
nevarnost je krita z eno samo pogodbo, ob plačilu celotne premije ter za isto obdobje s strani dveh ali več zavarovalnic kot sozavarovateljev, od katerih je ena vodilna zavarovalnica;
the risk is situated within the Community;
nevarnost se nahaja znotraj Skupnosti;
for the purpose of covering the risk, the leading insurance undertaking is treated as if it were the insurance undertaking covering the whole risk;
za zagotovitev kritja nevarnosti se vodilna zavarovalnica obravnava kot ena sama zavarovalnica, ki krije celotno nevarnost;
at least one of the co-insurers participates in the contract through a head office or a branch established in a Member State other than that of the leading insurance undertaking;
vsaj eden od sozavarovateljev je v pogodbi udeležen prek sedeža ali podružnice, ustanovljene v državi članici, ki ni država članica vodilne zavarovalnice;
the leading insurance undertaking fully assumes the leader’s role in co-insurance practice and in particular determines the terms and conditions of insurance and rating.
vodilna zavarovalnica v celoti prevzame vodilno vlogo v postopku sozavarovanja ter zlasti določi zavarovalne pogoje in premije.
Articles 147 to 152 shall apply only to the leading insurance undertaking.
Člena 147 in 152 se uporabljata samo za vodilno zavarovalnico.
Co-insurance operations which do not satisfy the conditions set out in paragraph 1 shall remain subject to the provisions of this Directive except those of this Section.
Za sozavarovalne posle, ki ne izpolnjujejo pogojev iz odstavka 1, še naprej veljajo določbe te direktive, razen tistih iz tega oddelka.
Article 191
ČLEN 191
Participation in Community co-insurance
Udeležba v sozavarovanju na ravni Skupnosti
The right of insurance undertakings to participate in Community co-insurance shall not be made subject to any provisions other than those of this Section.
Pravica do udeležbe zavarovalnic v sozavarovanju na ravni Skupnosti ni pogojena z nobenimi drugimi določbami, razen s tistimi, ki so opredeljene v tem oddelku.
The amount of the technical provisions shall be determined by the different co-insurers according to the rules fixed by their home Member State or, in the absence of such rules, according to customary practice in that State.
Višino zavarovalno-tehničnih rezervacij oblikujejo različni sozavarovatelji skladno s predpisi svoje matične države, če pa takšnih predpisov ni, skladno z običajnimi postopki v tej državi.
However, the technical provisions shall be at least equal to those determined by the leading insurer according to the rules of its home Member State.
Vendar pa morajo biti zavarovalno-tehnične rezervacije najmanj enake tistim, ki jih določi vodilni zavarovatelj skladno s predpisi svoje matične države članice.
Article 193
ČLEN 193
Home Member States shall ensure that co-insurers keep statistical data showing the extent of Community co-insurance operations in which they participate and the Member States concerned.
Matične države članice zagotovijo, da sozavarovatelji, vodijo statistične podatke, iz katerih so razvidni obseg sozavarovalnih poslov, sklenjenih na ravni Skupnosti, v katerih so udeleženi, in zadevne države članice.
Article 194
ČLEN 194
Treatment of co-insurance contracts in winding-up proceedings
Obravnavanje sozavarovalnih pogodb pri likvidacijskem postopku
In the event of an insurance undertaking being wound up, liabilities arising from participation in Community co-insurance contracts shall be met in the same way as those arising under the other insurance contracts of that undertaking without distinction as to the nationality of the insured and of the beneficiaries.
V primeru likvidacije zavarovalnice se obveznosti iz udeležbe v sozavarovalnih pogodbah na ravni Skupnosti poravnavajo enako kakor obveznosti iz drugih zavarovalnih pogodb te družbe, in sicer ne glede na državljanstvo zavarovancev in upravičencev iz zavarovanja.
Article 195
ČLEN 195
Exchange of information between supervisory authorities
Izmenjava informacij med nadzornimi organi
For the purposes of the implementation of this Section the supervisory authorities of the Member States shall, in the framework of the cooperation referred to in Title I, Chapter IV, Section 5, provide each other with all necessary information.
Za namene izvajanja tega oddelka si nadzorni organi držav članic v okviru sodelovanja iz oddelka 5 poglavja IV naslova I medsebojno izmenjujejo vse potrebne informacije.
Article 196
ČLEN 196
Cooperation on implementation
Sodelovanje pri izvajanju
The Commission and the supervisory authorities of the Member States shall cooperate closely for the purposes of examining any difficulties which might arise in implementing this Section.
Komisija in nadzorni organi držav članic tesno sodelujejo, da bi preučili vse težave, ki bi se utegnile pojaviti pri izvajanju tega oddelka.
In the course of that cooperation they shall examine in particular any practices which might indicate that the leading insurance undertaking does not assume the role of the leader in co-insurance practice or that the risks clearly do not require the participation of two or more insurers for their coverage.
V okviru tega sodelovanja preučijo zlasti vse postopke, pri katerih je mogoče opaziti, da vodilna zavarovalnica ne prevzeme vloge voditelja v postopku sozavarovanja ali da sodelovanje dveh ali več zavarovateljev za kritje nevarnosti očitno ni potrebno.
Activities similar to tourist assistance
Dejavnosti, podobne dejavnostim, povezanim s turizmom
Member States may make provision for assistance to persons who get into difficulties in circumstances other than those referred to in Article 2(2) subject to this Directive.
Države članice lahko v zvezi z zagotavljanjem pomoči osebam, ki zaidejo v težave v okoliščinah, drugačnih od tistih, ki so navedene v členu 2(2), uporabljajo to direktivo.
Where a Member State makes such provision, it shall treat such activity as if it were classified under class 18 in Part A of Annex I.
Če država članica to določi, takšno dejavnost obravnava tako, kot da bi bila razvrščena pod zavarovalno vrsto 18 dela A Priloge I.
The second paragraph shall in no way affect the possibilities for classification laid down in Annex I for activities which obviously come under other classes.
Drugi odstavek nikakor ne vpliva na možnosti razvrstitve, opredeljene v Prilogi I za dejavnosti, ki očitno spadajo pod druge vrste.
Legal expenses insurance
Zavarovanje stroškov postopka
Article 198
ČLEN 198
Scope of this Section
Področje uporabe tega oddelka
This Section shall apply to legal expenses insurance referred to in class 17 in Part A of Annex I whereby an insurance undertaking promises, against the payment of a premium, to bear the costs of legal proceedings and to provide other services directly linked to insurance cover, in particular with a view to the following:
Ta oddelek se uporablja za zavarovanje stroškov postopka iz zavarovalne vrste 17 dela A Priloge I, v okviru katerega zavarovalnica proti plačilu premije obljubi, da bo nosila stroške pravnih postopkov in nudila druge storitve, ki so neposredno povezane z zavarovalnim kritjem, in sicer zlasti z namenom:
securing compensation for the loss, damage or injury suffered by the insured person, by settlement out of court or through civil or criminal proceedings;
zagotovitve nadomestila za izgubo, materialno škodo ali telesno poškodbo, ki jo utrpi zavarovanec, in sicer bodisi z zunajsodno poravnavo bodisi v civilnem ali kazenskem postopku;
defending or representing the insured person in civil, criminal, administrative or other proceedings or in respect of any claim made against that person.
obrambe ali zastopanja zavarovanca v civilnih, kazenskih, upravnih ali drugih postopkih ali v zvezi z vsako terjatvo zoper to osebo.
This Section shall not apply to any of the following:
Ta oddelek se ne uporablja za:
legal expenses insurance where such insurance concerns disputes or risks arising out of, or in connection with, the use of sea-going vessels;
zavarovanje stroškov postopka, če takšno zavarovanje zadeva spore ali nevarnosti, ki izhajajo iz uporabe morskih plovil ali so z njo povezane;
the activity pursued by an insurance undertaking providing civil liability cover for the purpose of defending or representing the insured person in any inquiry or proceedings where that activity is at the same time pursued in the own interest of that insurance undertaking under such cover;
dejavnost, ki jo zavarovalnica, ki sklepa zavarovanja civilne odgovornosti, opravlja za namen obrambe ali zastopanja zavarovanca v sodnem ali upravnem postopku, če se takšna dejavnost hkrati opravlja v lastnem interesu te zavarovalnice skladno s takšnim zavarovanjem;
where a Member State so decides, the activity of legal expenses insurance undertaken by an assistance insurer which complies with the following conditions:
če se država članica tako odloči, dejavnost zavarovanja stroškov postopka, ki jo opravlja zavarovatelj, ki sklepa zavarovanja pomoči, ki izpolnjuje naslednje pogoje:
the activity is pursued in a Member State other than that in which the insured person is habitually resident;
dejavnost se opravlja v državi članici, ki ni država, v kateri je običajno prebivališče zavarovanca;
the activity forms part of a contract covering solely the assistance provided for persons who fall into difficulties while travelling, while away from their home or their habitual residence.
dejavnost predstavlja del pogodbe, ki krije le pomoč, zagotovljeno osebam, ki zaidejo v težave med potovanjem, ko so odsotni od svojega doma ali običajnega prebivališča.
For the purposes of point (c) of the first subparagraph, the contract shall clearly state that the cover concerned is limited to the circumstances referred to in that point and is ancillary to the assistance.
Za namene točke (c) prvega pododstavka je v pogodbi jasno navedeno, da je zadevno kritje omejeno na okoliščine iz navedene točke in da je dodatno zavarovanje k pomoči.
Article 199
ČLEN 199
Separate contracts
Ločene pogodbe
Legal expenses cover shall be the subject of a contract separate from that drawn up for the other classes of insurance or shall be dealt with in a separate section of a single policy in which the nature of the legal expenses cover and, should the Member State so request, the amount of the relevant premium are specified.
Kritje stroškov postopka je predmet pogodbe, ki je ločen od pogodbe, sestavljene za druge zavarovalne vrste, ali pa se obravnava v ločenem delu ene police, v kateri se opredeli kritje stroškov postopka in na zahtevo države članice tudi znesek ustrezne premije.
Management of claims
Upravljanje z zahtevki
The home Member State shall ensure that insurance undertakings adopt, in accordance with the option chosen by the Member State, or at their own choice, where the Member State so agrees, at least one of the methods for the management of claims set out in paragraphs 2, 3 and 4.
Matična država članica zagotovi, da zavarovalnice skladno z ureditvijo, ki jo izbere država članica, ali z dovoljenjem države članice po lastni izbiri sprejmejo vsaj eno od metod za upravljanje z zahtevki iz odstavkov 2, 3 in 4.
Whichever solution is adopted, the interest of persons having legal expenses cover shall be regarded as safeguarded in an equivalent manner under this Section.
Ne glede na to, katera rešitev je izbrana, se šteje, da so interesi oseb, ki so sklenile zavarovanje stroškov postopka, enakovredno zavarovani skladno s tem oddelkom.
Insurance undertakings shall ensure that no member of the staff who is concerned with the management of legal expenses claims or with legal advice in respect thereof pursues at the same time a similar activity in another undertaking having financial, commercial or administrative links with the first insurance undertaking and pursuing one or more of the other classes of insurance set out in Annex I.
Zavarovalnice zagotovijo, da nobeden od zaposlenih, ki se ukvarja z upravljanjem zahtevkov v zvezi z zavarovanjem stroškov postopka ali s pravnim svetovanjem v zvezi z njim istočasno ne opravlja podobne dejavnosti v drugi zavarovalnici, ki je v finančnem, poslovnem ali upravnem oziru povezana s prvo zavarovalnico in ki opravlja eno ali več drugih zavarovalnih vrst, opredeljenih v Prilogi I.
Composite insurance undertakings shall ensure that no member of the staff who is concerned with the management of legal expenses claims or with legal advice in respect thereof pursues at the same time a similar activity for another class transacted by them.
Sestavljene zavarovalnice zagotovijo, da nobeden od zaposlenih, ki se ukvarja z upravljanjem zahtevkov v zvezi z zavarovanjem stroškov postopka ali s pravnim svetovanjem v zvezi z njim, istočasno ne opravlja podobne dejavnosti za drugo zavarovalno vrsto, ki jo opravljajo.
The insurance undertaking shall entrust the management of claims in respect of legal expenses insurance to an undertaking having separate legal personality.
Zavarovalnica upravljanje z zahtevki v zvezi z zavarovanjem stroškov postopka poveri podjetju, ki je ločena pravna oseba.
That undertaking shall be mentioned in the separate contract or separate section referred to in Article 199.
To podjetje je navedeno v ločeni pogodbi ali ločenem delu iz člena 199.
Where the undertaking having separate legal personality has links to an insurance undertaking which carries on one or more of the classes of insurance referred to in Part A of Annex I, members of the staff of the undertaking having separate legal personality who are concerned with the management of claims or with legal advice connected with such management shall not pursue the same or a similar activity in the other insurance undertaking at the same time.
Če je podjetje, ki je ločena pravna oseba, povezano z zavarovalnico, ki opravlja eno ali več zavarovalnih vrst iz dela A Priloge I, zaposleni v podjetju, ki je ločena pravna oseba, ki se ukvarjajo z upravljanjem zahtevkov ali s pravnimi nasveti v zvezi s takšnim upravljanjem, ne smejo istočasno opravljati iste ali podobne dejavnosti v drugi zavarovalnici.
Member States may impose the same requirements on the members of the administrative, management or supervisory body.
Države članice lahko postavijo iste zahteve tudi za upravne, upravljalne ali nadzorne organe.
The contract shall provide that the insured persons may instruct a lawyer of their choice or, to the extent that national law so permits, any other appropriately qualified person, from the moment that those insured persons have a claim under that contract.
V pogodbi mora biti določeno, da lahko zavarovanec po lastni izbiri poveri pooblastilo odvetniku ali kateri koli drugi ustrezno usposobljeni osebi, če to dovoljuje nacionalna zakonodaja, od trenutka, ko ima zavarovanec zahtevek v skladu s pogodbo.
Article 201
ČLEN 201
Free choice of lawyer
Prosta izbira odvetnika
Any contract of legal expenses insurance shall expressly provide that:
Vsaka pogodba o zavarovanju stroškov postopka izrecno določa:
where recourse is had to a lawyer or other person appropriately qualified according to national law in order to defend, represent or serve the interests of the insured person in any inquiry or proceedings, that insured person shall be free to choose such lawyer or other person;
da, če je potreben odvetnik ali druga glede na nacionalno zakonodajo ustrezno usposobljena oseba, da brani, zastopa ali služi interesom zavarovanca v katerem koli sodnem ali upravnem postopku, ima takšen zavarovanec svobodno izbiro odvetnika ali druge osebe;
the insured persons shall be free to choose a lawyer or, where they so prefer and to the extent that national law so permits, any other appropriately qualified person, to serve their interests whenever a conflict of interests arises.
da zavarovanci prosto izbirajo odvetnika ali, če to želijo in vkolikor to dovoljuje nacionalna zakonodaja, vsako drugo ustrezno usposobljeno osebo za zastopanje njihovih interesov v primeru navzkrižja interesov.
For the purposes of this Section ‘lawyer’ means any person entitled to pursue his professional activities under one of the denominations laid down in Council Directive 77/249/EEC of 22 March 1977 to facilitate the effective exercise by lawyers of freedom to provide services [36].
Za namene tega oddelka odvetnik pomeni vsako osebo, ki ima pravico opravljati svoje poklicne dejavnosti skladno z enim od poimenovanj, ki so opredeljena v Direktivi Sveta 77/249/EGS z dne 22. marca 1977 o učinkovitem uresničevanju svobode opravljanja storitev odvetnikov [36].
Article 202
ČLEN 202
Exception to the free choice of lawyer
Izjema pri prosti izbiri odvetnika
Member States may provide for exemption from Article 201(1) for legal expenses insurance if all the following conditions are met:
Države članice lahko predvidijo izjemo od člena 201(1) za zavarovanje stroškov postopka, če so izpolnjeni vsi naslednji pogoji:
the insurance is limited to cases arising from the use of road vehicles in the territory of the Member State concerned;
zavarovanje je omejeno na primere, ki so posledica uporabe cestnih vozil na ozemlju zadevne države članice;
the insurance is connected to a contract to provide assistance in the event of accident or breakdown involving a road vehicle;
zavarovanje je povezano s pogodbo o zagotavljanju pomoči v primeru nesreče ali okvare, v katero je vključeno cestno vozilo;
neither the legal expenses insurance undertaking nor the assistance insurer carries out any class of liability insurance;
niti zavarovalnica, ki sklepa zavarovanje stroškov postopka, niti zavarovatelj, ki sklepa zavarovanje pomoči ne opravlja nobene vrste zavarovanja odgovornosti;