natgillin/translations-raw huggingface dataset:
The Commission may submit proposals to the Council for the negotiation of agreements with one or more third countries regarding the means of exercising supervision over the following:
Komisija Svetu predloži predloge za pogajanje o sporazumih z eno ali več tretjimi državami o načinu izvajanja nadzora nad:
third-country reinsurance undertakings which conduct reinsurance business in the Community;
pozavarovalnicami iz tretjih držav, ki opravljajo posle pozavarovanja v Skupnosti;
Community reinsurance undertakings which conduct reinsurance business in the territory of a third country.
pozavarovalnicami Skupnosti, ki opravljajo posle pozavarovanja na ozemlju tretje države.
The agreements referred to in paragraph 1 shall in particular seek to ensure, under conditions of equivalence of prudential regulation, effective market access for reinsurance undertakings in the territory of each contracting party and provide for mutual recognition of supervisory rules and practices on reinsurance.
Sporazumi iz odstavka 1 morajo pod pogoji enakovrednosti pravil varnega in skrbnega poslovanja pozavarovalnicam zlasti zagotoviti učinkoviti dostop do tržišča na ozemlju vsake pogodbenice in vzajemno priznavanje nadzornih pravil ter praks glede pozavarovanja.
They shall also seek to ensure the following:
Zagotoviti morajo tudi:
that the supervisory authorities of the Member States are able to obtain the information necessary for the supervision of reinsurance undertakings which have their head offices situated in the Community and conduct business in the territory of third countries concerned;
da nadzorni organi držav članic lahko pridobijo podatke, potrebne za nadzor pozavarovalnic s sedežem v Skupnosti, ki izvajajo posle na ozemlju zadevnih tretjih držav;
that the supervisory authorities of third countries are able to obtain the information necessary for the supervision of reinsurance undertakings which have their head offices situated within their territories and conduct business in the Community.
da lahko nadzorni organi tretjih držav pridobijo podatke, potrebne za nadzor pozavarovalnic s sedežem na njihovem ozemlju, ki opravljajo posle v Skupnosti.
Without prejudice to Article 300(1) and (2) of the Treaty, the Commission shall with the assistance of the European Insurance and Occupational Pensions Committee examine the outcome of the negotiations referred to in paragraph 1 of this Article and the resulting situation.
Brez poseganja v člen 300(1) in (2) Pogodbe, bo Komisija s pomočjo Evropskega odbora za zavarovanja in poklicne pokojnine pregledala izid pogajanj iz odstavka 1 tega člena in položaj, ki je nastal.
Subsidiaries of insurance and reinsurance undertakings governed by the laws of a third country and acquisitions of holdings by such undertakings
Hčerinska podjetja zavarovalnic in pozavarovalnic, ki jih ureja pravo tretje države, in pridobivanje deležev s strani takšnih podjetij
Article 176
ČLEN 176
The supervisory authorities of the Member States shall inform the Commission and the supervisory authorities of the other Member States of any authorisation of a direct or indirect subsidiary, one or more of whose parent undertakings are governed by the laws of a third country.
Nadzorni organi držav članic obvestijo Komisijo in nadzorne organe drugih držav članic o vseh dovoljenjih neposrednega ali posrednega hčerinskega podjetja enega ali več matičnih podjetij, ki jih ureja pravo tretje države.
That information shall also contain an indication of the structure of the group concerned.
Iz teh podatkov je razvidna tudi struktura zadevne skupine.
Where an undertaking governed by the law of a third country acquires a holding in an insurance or reinsurance undertaking authorised in the Community which would turn that insurance or reinsurance undertaking into a subsidiary of that third country undertaking, the supervisory authorities of the home Member State shall inform the Commission and the supervisory authorities of the other Member States.
Kadar podjetje, ki ga ureja pravo tretje države, pridobi tolikšen delež v zavarovalnici ali pozavarovalnici, ki je pridobila dovoljenje v Skupnosti, da ta zavarovalnica ali pozavarovalnica postane hčerinsko podjetje tega podjetja iz tretje države, nadzorni organi matične države članice obvestijo Komisijo in nadzorne organe drugih držav članic.
Third-country treatment of Community insurance and reinsurance undertakings
Obravnavanje zavarovalnic in pozavarovalnic Skupnosti s strani tretjih držav
Member States shall inform the Commission of any general difficulties encountered by their insurance or reinsurance undertakings in establishing themselves and operating in a third country or pursuing activities in a third country.
Države članice obvestijo Komisijo o vseh splošnih težavah, s katerimi se srečujejo njihove zavarovalnice ali pozavarovalnice pri ustanavljanju in opravljanju dejavnosti v tretji državi.
The Commission shall, periodically, submit a report to the Council examining the treatment accorded, in third countries, to insurance or reinsurance undertakings authorised in the Community, as regards the following:
Komisija Svetu redno predloži poročilo, v katerem preuči, kakšnega ravnanja so zavarovalnice ali pozavarovalnice, ki so pridobile dovoljenje v Skupnosti, deležne v tretjih državah, kar zadeva:
the establishment in third countries of insurance or reinsurance undertakings authorised in the Community;
ustanavljanje zavarovalnic ali pozavarovalnic, ki so pridobile dovoljenje v Skupnosti, v tretjih državah;
the acquisition of holdings in third-country insurance or reinsurance undertakings;
pridobivanje deležev v zavarovalnicah ali pozavarovalnicah tretjih držav;
the pursuit of insurance or reinsurance activities by such established undertakings;
opravljanje zavarovalnih ali pozavarovalnih poslov takšnih ustanovljenih podjetij;
the cross-border provision of insurance or reinsurance activities from the Community to third countries.
čezmejno opravljanje zavarovalnih ali pozavarovalnih poslov iz Skupnosti v tretje države.
SPECIFIC PROVISIONS FOR INSURANCE AND REINSURANCE
POSEBNE DOLOČBE ZA ZAVAROVANJE IN POZAVAROVANJE
Applicable law and conditions of direct insurance contracts
Pravo, ki se uporablja, in pogoji za pogodbe o neposrednem zavarovanju
Applicable Law
Pravo, ki se uporablja
Any Member State not subject to the application of Regulation (EC) No 593/2008 shall apply the provisions of that Regulation in order to determine the law applicable to insurance contracts falling within the scope of Article 7 of that Regulation.
Vsaka država članica, za katero ne velja uporaba Uredbe (ES) št. 593/2008, uporablja določbe navedene uredbe za določitev prava, ki se uporablja za zavarovalne pogodbe, ki spadajo v področje uporabe člena 7 navedene uredbe.
Compulsory insurance
Obvezno zavarovanje
Related obligations
Pripadajoče obveznosti
Non-life insurance undertakings may offer and conclude compulsory insurance contracts under the conditions set out in this Article.
Zavarovalnice za neživljenjsko zavarovanje lahko ponujajo in sklepajo pogodbe obveznega zavarovanja pod pogoji iz tega člena.
Where a Member State imposes an obligation to take out insurance, an insurance contract shall not satisfy that obligation unless it complies with the specific provisions relating to that insurance laid down by that Member State.
Če država članica naloži obveznost sklepanja zavarovanja, zavarovalna pogodba ne izpolnjuje te obveznosti, če ni skladna s posebnimi določbami, ki jih ta država članica določi za tako zavarovanje.
Where a Member State imposes compulsory insurance and the insurance undertaking is required to notify the supervisory authorities of any cessation of cover, such cessation may be invoked against injured third parties only in the circumstances laid down by that Member State.
Če država članica nalaga obvezno zavarovanje in če mora zavarovalnica nadzorne organe obvestiti o vsakem prenehanju zavarovalnega kritja, se je do oškodovanih tretjih oseb možno sklicevati na takšna prenehanja le v okoliščinah, ki jih določi ta država članica.
Each Member State shall communicate to the Commission the risks against which insurance is compulsory under its legislation, stating the following:
Vse države članice Komisiji sporočijo nevarnosti, katerih zavarovanje je skladno z njihovimi zakonodajami obvezno, in pri tem navedejo:
the specific legal provisions relating to that insurance;
posebne pravne določbe za to zavarovanje;
the particulars which must be given in the certificate which a non-life insurance undertaking must issue to an insured person where that Member State requires proof that the obligation to take out insurance has been complied with.
podatki, ki morajo biti navedeni v potrdilu, ki ga mora zavarovalnica za neživljenjsko zavarovanje izdati zavarovancu, če ta država članica zahteva dokazilo o tem, da je obveznost sklenitve zavarovanja izpolnjena.
A Member State may require that the particulars referred to in point (b) of the first subparagraph include a declaration by the insurance undertaking to the effect that the contract complies with the specific provisions relating to that insurance.
Država članica lahko zahteva, da je v podatke iz točke (b) prvega pododstavka vključena izjava zavarovalnice, ki dokazuje da je pogodba skladna s posebnimi določbami za to zavarovanje.
The Commission shall publish the particulars referred to in point (b) of the first subparagraph in the Official Journal of the European Union.
Komisija objavi podatke iz točke (b) prvega pododstavka v Uradnem listu Evropske unije.
General good
Javni interes
Article 180
ČLEN 180
Neither the Member State in which a risk is situated nor the Member State of the commitment shall prevent a policy holder from concluding a contract with an insurance undertaking authorised under the conditions of Article 14 as long as that conclusion of contract does not conflict with legal provisions protecting the general good in the Member State in which the risk is situated or in the Member State of the commitment.
Država članica, v kateri je nevarnost, ali država članica obveznosti ne sme imetniku police preprečiti, da bi sklenil pogodbo z zavarovalnico, ki ima dovoljenje pod pogoji člena 14, dokler sklenitev pogodbe ni v nasprotju s predpisi, ki ščitijo javni interes v državi članici, v kateri je nevarnost, ali v državi članici obveznosti.
Conditions of insurance contracts and scales of premiums
Pogoji za zavarovalne pogodbe in premijske cenike
Non-life insurance
Neživljenjsko zavarovanje
Member States shall not require the prior approval or systematic notification of general and special policy conditions, scales of premiums, or forms and other printed documents which an insurance undertaking intends to use in its dealings with policy holders.
Države članice ne zahtevajo predhodnega dovoljenja ali sistematičnega obveščanja o splošnih in posebnih zavarovalnih pogojih, premijskih cenikih ali o obrazcih in drugih tiskanih listinah, ki jih namerava zavarovalnica uporabljati pri svojem poslovanju z imetniki polic.
Member States may require non-systematic notification of those policy conditions and other documents only for the purpose of verifying compliance with national provisions concerning insurance contracts.
Države članice lahko zahtevajo nesistematično obveščanje o teh zavarovalnih pogojih in drugih listinah, vendar le zaradi preverjanja usklajenosti z nacionalnimi predpisi v zvezi z zavarovalnimi pogodbami.
Those requirements shall not constitute a prior condition for an insurance undertaking to pursue business.
Te zahteve ne predstavljajo predhodnega pogoja za zavarovalnico, da bi opravljala dejavnosti.
A Member State which makes insurance compulsory may require that insurance undertakings communicate to its supervisory authority the general and special conditions of such insurance before circulating them.
Država članica, v kateri je zavarovanje obvezno, lahko zahteva, da zavarovalnice svojim nadzornim organom sporočijo splošne in posebne pogoje takega zavarovanja pred njihovo uporabo.
Member States shall not retain or introduce an obligation of prior notification or approval of proposed increases in premium rates except as part of general price-control systems.
Države članice ne morejo ohraniti ali uvesti obveznosti predhodnega obvestila ali odobritve predlaganih povečanj premijskih stopenj razen v sklopu splošnega sistema nadzora cen.
Article 182
ČLEN 182
Life insurance
Življenjsko zavarovanje
Member States shall not require the prior approval or systematic notification of general and special policy conditions, scales of premiums, technical bases used in particular for calculating scales of premiums and technical provisions or forms and other printed documents which a life insurance undertaking intends to use in its dealings with policy holders.
Države članice ne zahtevajo predhodnega potrjevanja ali sistematičnega obveščanja o splošnih in posebnih zavarovalnih pogojih, premijskih cenikih, tehničnih podlagah, ki se uporabljajo zlasti za izračun premijskih cenikov in zavarovalno-tehničnih rezervacij, ali o obrazcih in drugih tiskovinah, ki jih življenjska zavarovalnica namerava uporabljati v svojem poslovanju z imetniki polic.
However, the home Member State may, for the sole purpose of verifying compliance with national provisions concerning actuarial principles, require systematic communication of the technical bases used in particular for calculating scales of premiums and technical provisions.
Vendar lahko domača država članica izključno za namen preverjanja skladnosti z nacionalnimi predpisi v zvezi z zavarovalno-tehničnimi načeli zahteva sistematično obveščanje o tehničnih podlagah, ki se uporabljajo zlasti za izračun premijskih cenikov in zavarovalno-tehničnih rezervacij.
Information for policy holders
Informacije za imetnike polic
Article 183
ČLEN 183
General Information for policy holders
Splošne informacije za imetnike polic
Before a non-life insurance contract is concluded the non-life insurance undertaking shall inform the policy holder of the following:
Preden se sklene zavarovalna pogodba o neživljenjskem zavarovanju, zavarovalnica za neživljenjsko zavarovanje seznani imetnika police o:
the law applicable to the contract, where the parties do not have a free choice;
pravu, ki se uporabi za pogodbo, kadar si ga stranke ne morejo prosto izbirati;
the fact that the parties are free to choose the law applicable and the law the insurer proposes to choose.
dejstvu, da si stranke lahko prosto izbirajo pravo, ki se uporabi in pravo, za katero zavarovatelj predlaga, da se ga izbere.
The insurance undertaking shall also inform the policy holder of the arrangements for handling complaints of policy holders concerning contracts including, where appropriate, the existence of a complaints body, without prejudice to the right of the policy holder to take legal proceedings.
Zavarovalnica imetnika police tudi seznani o načinih za obravnavanje pritožb imetnikov polic, vključno z, kadar je primerno, obstojem pritožbenih teles, kar pa ne vpliva na pravico imetnika police do sodnih postopkov.
The obligations referred to in paragraph 1 shall apply only where the policy holder is a natural person.
Obveznosti iz odstavka 1 veljajo samo, kadar je imetnik police fizična oseba.
The detailed rules for implementing paragraphs 1 and 2 shall be laid down by the Member State in which the risk is situated.
Podrobna pravila za izvajanje odstavkov 1 in 2 določi država članica, v kateri je nevarnost.
Article 184
ČLEN 184
Additional information in the case of non-life insurance offered under the right of establishment or the freedom to provide services
Dodatne informacije v primeru neživljenjskega zavarovanja, ki se ponuja iz naslova pravice do ustanavljanja ali iz naslova svobode opravljanja storitev
Where non-life insurance is offered under the right of establishment or the freedom to provide services, the policy holder shall, before any commitment is entered into, be informed of the Member State in which the head office or, where appropriate, the branch with which the contract is to be concluded is situated.
Kadar se neživljenjsko zavarovanje ponuja iz naslova pravice do ustanavljanja ali svobode opravljanja storitev, se, preden je sklenjena kakršna koli obveznost, imetnika police seznani o državi članici, v kateri je sedež ali, kadar je primerno, podružnica, s katero bo sklenjena pogodba.
Any documents issued to the policy holder shall convey the information referred to in the first subparagraph.
Vse listine, izdane imetniku police, morajo vsebovati podatek iz prvega pododstavka.
The obligations imposed in the first and second subparagraphs shall not apply to large risks.
Obveznosti iz prvega in drugega pododstavka ne veljajo za velike nevarnosti.
The contract or any other document granting cover, together with the insurance proposal where it is binding upon the policy holder, shall state the address of the head office or, where appropriate, of the branch of the non-life insurance undertaking which grants the cover.
V pogodbi ali vsaki drugi listini, ki zagotavlja kritje, skupaj s predlogom zavarovanja, kadar je ta obvezujoč za imetnika police, se navede naslov sedeža, ali, kadar je potrebno, podružnice zavarovalnice za neživljenjsko zavarovanje, ki zagotavlja kritje.
The Member States may require that the name and address of the representative of the non-life insurance undertaking referred to in Article 148(2)(a) also appear in the documents referred to in the first subparagraph of this paragraph.
Države članice lahko zahtevajo, da se v listinah iz prvega pododstavka tega odstavka navede tudi ime in naslov predstavnika zavarovalnice za neživljenjsko zavarovanje, navedene v točki (a) člena 148(2).
Before the life insurance contract is concluded, at least the information set out in paragraphs 2 to 4 shall be communicated to the policy holder.
Pred sklenitvijo pogodbe o življenjskem zavarovanju je treba imetniku police sporočiti najmanj informacije, navedene v odstavkih 2 do 4.
The following information about the life insurance undertaking shall be communicated:
Posredujejo se naslednje informacije o zavarovalnici:
the name of the undertaking and its legal form;
ime zavarovalnice in njena pravna oblika;
the name of the Member State in which the head office and, where appropriate, the branch concluding the contract is situated;
ime države članice, v kateri je sedež in, kadar je potrebno, podružnice, ki sklepa pogodbo;
the address of the head office and, where appropriate, of the branch concluding the contract;
naslov sedeža in, kadar je potrebno, podružnice, ki sklepa pogodbo;
a concrete reference to the report on the solvency and financial condition as laid down in Article 51, allowing the policy holder easy access to this information.
konkretno sklicevanje na poročilo o solventnosti in finančnih pogojih, kot določeno v členu 51, ki omogoča imetniku police enostaven dostop do teh informacij.
The following information relating to the commitment shall be communicated:
Posredujejo se naslednje informacije o obveznosti:
the definition of each benefit and each option;
opredelitev vsake koristi in vsake opcije;
the term of the contract;
čas trajanja pogodbe;
the means of terminating the contract;
sredstvo za odstop od pogodbe;
the means of payment of premiums and duration of payments;
način plačila premij in trajanje plačil;
the means of calculation and distribution of bonuses;
način izračuna in delitev bonusov;
an indication of surrender and paid-up values and the extent to which they are guaranteed;
navedba gotovinskih in drugih izplačil in obseg, do katerega so zajamčene;
information on the premiums for each benefit, both main benefits and supplementary benefits, where appropriate;
informacije o premijah za vsako korist, za glavne koristi in za dodatne koristi, kjer to ustreza;
for unit-linked policies, the definition of the units to which the benefits are linked;
za police življenjskega zavarovanja, vezane na enote investicijskega sklada, določitev naložb, s katerimi so koristi povezane;
an indication of the nature of the underlying assets for unit-linked policies;
navedba narave sredstev, na katerih temeljijo police življenjskega zavarovanja, vezane na enoto investicijskega sklada;
arrangements for application of the cooling-off period;
dogovori glede uporabe obdobje mirovanja;
general information on the tax arrangements applicable to the type of policy;
splošni podatki o davčnih ureditvah, ki se uporabljajo za tako vrsto police;
the arrangements for handling complaints concerning contracts by policy holders, lives assured or beneficiaries under contracts including, where appropriate, the existence of a complaints body, without prejudice to the right to take legal proceedings;
ureditve za obravnavanje pritožb imetnikov polic v zvezi s pogodbami, življenjskimi zavarovanci ali upravičenci po pogodbah, po potrebi vključno z obstojem organa za reševanje pritožb, brez poseganja v pravico do uporabe pravnih sredstev;
the law applicable to the contract where the parties do not have a free choice or, where the parties are free to choose the law applicable, the law the life insurance undertaking proposes to choose.
pravo, ki se uporabi za pogodbo, kadar stranki nimata proste izbire ali, kadar stranki veljavno pravo prosto izbirata, pravo, za katero zavarovalnica predlaga, da se izbere.
In addition, specific information shall be supplied in order to provide a proper understanding of the risks underlying the contract which are assumed by the policy holder.
Poleg tega se priskrbijo posebne informacije za pravilno razumevanje tveganj v pogodbi, ki jih imetnik police prevzame.
The policy holder shall be kept informed throughout the term of the contract of any change concerning the following information:
Imetnik police je v času trajanja pogodbe obveščen o vseh spremembah naslednjih informacij:
the policy conditions, both general and special;
splošnih in posebnih pogojev police;
the name of the life insurance undertaking, its legal form or the address of its head office and, where appropriate, of the branch which concluded the contract;
imena zavarovalnice za življenjsko zavarovanje, njene pravne oblike ali naslova njenega sedeža in, kadar je potrebno, podružnice, ki je sklenila pogodbo;
all the information listed in points (d) to (j) of paragraph 3 in the event of a change in the policy conditions or amendment of the law applicable to the contract;
v primeru spremembe zavarovalnih pogojev ali spremembe prava, ki se uporabi za pogodbo, vseh informacij, ki so naštete v točkah (d) do (j) odstavka 3;
annually, information on the state of bonuses.
vsako leto o spremembi informacij o stanju bonusov.
Where, in connection with an offer for or conclusion of a life insurance contract, the insurer provides figures relating to the amount of potential payments above and beyond the contractually agreed payments, the insurer shall provide the policy holder with a specimen calculation whereby the potential maturity payment is set out applying the basis for the premium calculation using three different rates of interest.
Kadar v povezavi s ponudbo za sklenitev življenjskega zavarovanja zavarovatelj zagotovi podatke v zvezi z zneski možnih plačil poleg pogodbeno dogovorjenih plačil, mora zavarovatelj imetniku police predložiti primer izračuna, pri čemer se morebitno zapadlo plačilo določi na osnovi izračuna premije, z uporabo treh različnih obrestnih mer.
This shall not apply to term insurances and contracts.
To se ne uporablja za življenjsko zavarovanje za primer smrti in pogodbe.
The insurer shall inform the policy holder in a clear and comprehensible manner that the specimen calculation is only a model of computation based on notional assumptions, and that the policy holder shall not derive any contractual claims from the specimen calculation.
Zavarovatelj na jasen in razumljiv način obvesti imetnika police, da je primer izračuna samo računski model, ki temelji na namišljenih predpostavkah, in da imetnik police ne more uveljavljati nobenih pogodbenih zahtevkov na podlagi primera izračuna.