natgillin/translations-raw huggingface dataset:
‘risk measure’ means a mathematical function which assigns a monetary amount to a given probability distribution forecast and increases monotonically with the level of risk exposure underlying that probability distribution forecast.
„mera tveganja“ pomeni matematično funkcijo, ki dani napovedi v obliki verjetnostne porazdelitve določi denarni znesek in se monotono poveča z ravnijo izpostavljanja tveganju, na katerem temelji napoved v obliki verjetnostne porazdelitve.
Taking-up of business
Začetek opravljanja poslov
Article 14
ČLEN 14
Principle of authorisation
Načelo dovoljenja za opravljanje poslov
The taking-up of the business of direct insurance or reinsurance covered by this Directive shall be subject to prior authorisation.
Za začetek poslov neposrednega zavarovanja ali pozavarovanja, zajetega v tej direktivi, je potrebno predhodno dovoljenje.
The authorisation referred to in paragraph 1 shall be sought from the supervisory authorities of the home Member State by the following:
Za dovoljenje nadzornih organov matične države iz odstavka 1 lahko zaprosi:
any undertaking which is establishing its head office within the territory of that Member State; or
vsako podjetje, ki ustanavlja sedež na ozemlju te države članice; ali
any insurance undertaking which, having received an authorisation pursuant to paragraph 1, wishes to extend its business to an entire insurance class or to insurance classes other than those already authorised.
vsaka zavarovalnica, ki svoje poslovanje, potem ko je dobila zahtevano dovoljenje v skladu z odstavkom 1, želi razširiti na celotno zavarovalno vrsto ali zavarovalne vrste poleg tistih, za katere je že pridobila dovoljenje.
Article 15
ČLEN 15
Scope of authorisation
Obseg dovoljenja
An authorisation pursuant to Article 14 shall be valid for the entire Community.
Dovoljenje skladno s členom 14 velja za celotno Skupnost.
It shall permit insurance and reinsurance undertakings to pursue business there, that authorisation covering also the right of establishment and the freedom to provide services.
S tem dovoljenjem lahko zavarovalnice in pozavarovalnice opravljajo dejavnosti, pri čemer dovoljenje zajema tudi pravico do ustanavljanja in svobodo opravljanja storitev.
Subject to Article 14, authorisation shall be granted for a particular class of direct insurance as listed in Part A of Annex I or in Annex II.
V skladu s členom 14 se dovoljenje izdaja za določeno vrsto neposrednega zavarovanja, ki so naštete v dela A Priloge I ali v Prilogi II.
It shall cover the entire class, unless the applicant wishes to cover only some of the risks pertaining to that class.
Velja za celotno zavarovalno vrsto, razen če prosilec želi kriti le nekatere nevarnosti, ki se nanašajo na navedeno zavarovalno vrsto.
The risks included in a class shall not be included in any other class except in the cases referred to in Article 16.
Nevarnosti, vključene v eno vrsto, ne morejo biti vključene v drugo vrsto, razen v primerih iz člena 16.
Authorisation may be granted for two or more of the classes, where the national law of a Member State permits such classes to be pursued simultaneously.
Dovoljenje se lahko izda za dve zavarovalni vrsti ali več, če nacionalno pravo države članice dovoljuje, da se posli iz takih zavarovalnih vrst lahko opravljajo hkrati.
In regard to non-life insurance, Member States may grant authorisation for the groups of classes listed in Part B of Annex I.
Kar zadeva neživljenjsko zavarovanje, lahko države članice izdajo dovoljenje za zavarovalne skupine, naštete v delu B Priloge I.
The supervisory authorities may limit authorisation requested for one of the classes to the operations set out in the scheme of operations referred to in Article 23.
Nadzorni organi lahko omejijo dovoljenje, ki je bilo zaprošeno za eno od zavarovalnih vrst, na posle, določene v poslovnem načrtu iz člena 23.
Undertakings subject to this Directive may engage in the assistance activity referred to in Article 6 only if they have received authorisation for class 18 in Part A of Annex I, without prejudice to Article 16(1).
Podjetja, za katera se uporablja ta direktiva, lahko opravljajo dejavnost iz člena 6 le tedaj, če so pridobila dovoljenje za zavarovalno vrsto 18 iz dela A Priloge I ne glede na člen 16(1).
In that event this Directive shall apply to the operations in question.
V takšnem primeru se ta direktiva uporablja za zadevne posle.
In regard to reinsurance, authorisation shall be granted for non-life reinsurance activity, life reinsurance activity or all kinds of reinsurance activity.
Kar zadeva pozavarovanje, se dovoljenje izda za dejavnost neživljenjskega pozavarovanja, dejavnost življenjskega pozavarovanja ali vse vrste dejavnosti pozavarovanja.
The application for authorisation shall be considered in the light of the scheme of operations to be submitted pursuant to Article 18(1)(c) and the fulfilment of the conditions laid down for authorisation by the Member State from which the authorisation is sought.
Vloga za dovoljenje se obravnava glede na poslovni načrt, ki mora biti predložen v skladu s točko (c) člena 18(1), in izpolnitev pogojev, ki jih za dovoljenje določa država članica, v kateri je bil vložen zahtevek za dovoljenje.
Article 16
ČLEN 16
Ancillary risks
Dodatne nevarnosti
An insurance undertaking which has obtained an authorisation for a principal risk belonging to one class or a group of classes as set out in Annex I may also insure risks included in another class without the need to obtain authorisation in respect of such risks provided that the risks fulfil all the following conditions:
Zavarovalnica, ki je pridobila dovoljenje za glavno nevarnost, ki spada v eno zavarovalno vrsto ali skupino vrst, kot določa Priloga I, lahko zavaruje nevarnosti, ki jih vključuje druga zavarovalna vrsta, ne da bi morala pridobiti dovoljenje glede takšnih nevarnosti, pod pogojem, da nevarnosti izpolnjujejo vse naslednje pogoje:
they are connected with the principal risk;
povezane so z glavno nevarnostjo;
they concern the object which is covered against the principal risk; and
zadevajo predmet, ki je zavarovan proti glavni nevarnosti;
they are covered by the contract insuring the principal risk.
krite so s pogodbo, s katero je zavarovana glavna nevarnost.
By way of derogation from paragraph 1, the risks included in classes 14, 15 and 17 in Part A of Annex I shall not be regarded as risks ancillary to other classes.
Z odstopanjem od odstavka 1 nevarnosti, ki jih vključujejo zavarovalne vrste 14, 15 in 17 dela A Priloge I, ne morejo veljati za nevarnosti, dodane drugim zavarovalnim vrstam.
However, legal expenses insurance as set out in class 17 may be regarded as a risk ancillary to class 18, where the conditions laid down in paragraph 1 and either of the following conditions are fulfilled:
Vendar pa zavarovanje stroškov postopka, kot določa zavarovalna vrsta 17, lahko velja kot nevarnost, dodana zavarovalni vrsti 18, če so izpolnjeni pogoji, določeni v odstavku 1 in je izpolnjen eden od naslednjih pogojev:
the main risk relates solely to the assistance provided for persons who fall into difficulties while travelling, while away from their home or their habitual residence; or
glavna nevarnost se nanaša le na pomoč, ponujeno osebam, ki zaidejo v težave med potovanjem, ko se mudijo proč od svojega doma ali ko se mudijo proč od svojega običajnega prebivališča; ali
the insurance concerns disputes or risks arising out of, or in connection with, the use of sea-going vessels.
zavarovanje se nanaša na spore ali nevarnosti, ki izhajajo iz uporabe morskih plovil ali so z njo povezani.
Article 17
ČLEN 17
Legal form of the insurance or reinsurance undertaking
Pravna oblika zavarovalnice ali pozavarovalnice
The home Member State shall require every undertaking for which authorisation is sought under Article 14 to adopt one of the legal forms set out in Annex III.
Matična država članica zahteva, da vsako podjetje, ki zaprosi za dovoljenje v skladu s členom 14, sprejme eno od pravnih oblik iz Priloge III.
Member States may set up undertakings of a form governed by public law, provided that such bodies have insurance or reinsurance operations as their object, under conditions equivalent to those under which undertakings governed by private law operate.
Poleg tega lahko države članice ustanavljajo podjetja v kateri koli javnopravni obliki, če je cilj takšnih podjetij opravljanje zavarovalnih ali pozavarovalnih poslov pod enakimi pogoji, kakor veljajo za zasebnopravna podjetja.
The Commission may adopt implementing measures relating to the extension of the list of forms set out in Annex III.
Komisija lahko sprejme izvedbene ukrepe, ki se nanašajo na razširitev seznama oblik iz Priloge III.
Those measures, designed to amend non-essential elements of this Directive by supplementing it, shall be adopted in accordance with the regulatory procedure with scrutiny referred to in Article 301(3).
Ti ukrepi, namenjeni spreminjanju nebistvenih določb te direktive z njenim dopolnjevanjem, se sprejmejo v skladu z regulativnim postopkom s pregledom iz člena 301(3).
Article 18
ČLEN 18
Conditions for authorisation
Pogoji za dovoljenje
The home Member State shall require every undertaking for which authorisation is sought:
Matična država članica zahteva od vsakega podjetja, ki zaprosi za dovoljenje, da:
in regard to insurance undertakings, to limit their objects to the business of insurance and operations arising directly therefrom, to the exclusion of all other commercial business;
kar zadeva zavarovalnice, omeji svoj predmet na zavarovalniško poslovanje in posle, ki izhajajo neposredno iz njega, in izloči vse druge komercialne posle,
in regard to reinsurance undertakings, to limit their objects to the business of reinsurance and related operations; that requirement may include a holding company function and activities with respect to financial sector activities within the meaning of Article 2(8) of Directive 2002/87/EC;
kar zadeva pozavarovalnice, omeji svoj namen poslovanja na dejavnosti pozavarovanja in s tem povezane dejavnosti; ta zahteva lahko vključuje funkcijo holdinga in dejavnosti v zvezi z dejavnostjo finančnega sektorja v smislu člena 2 (8) Direktive 2002/87/ES;
to submit a scheme of operations in accordance with Article 23;
predloži poslovni načrt v skladu s členom 23;
to hold the eligible basic own funds to cover the absolute floor of the Minimum Capital Requirement provided for in Article 129(1)(d);
ima osnovna lastna sredstva, ki izpolnjujejo pogoje za kritje absolutnega praga zahtevanega minimalnega kapitala, predpisanega v točki (d) člena 129(1);
to show evidence that it will be in a position to hold eligible own funds to cover the Solvency Capital Requirement, as provided for in Article 100, going forward;
dokaže, da bo v nadaljnjih letih lahko pridobilo primerna lastna sredstva za kritje zahtevanega solventnostnega kapitala, kot določa člen 100;
to show evidence that it will be in a position to hold eligible basic own funds to cover the Minimum Capital Requirement, as provided for in Article 128, going forward;
dokaže, da bo v prihodnje lahko pridobilo primerna osnovna lastna sredstva za kritje zahtevanega minimalnega kapitala, kot določa člen 128;
to show evidence that it will be in a position to comply with the system of governance referred to in Chapter IV, Section 2;
dokaže, da bo v prihodnje lahko izpolnil pogoje sistema za upravljanje iz Oddelka 2 Poglavja IV;
in regard to non-life insurance, to communicate the name and address of all claims representatives appointed pursuant to Article 4 of Directive 2000/26/EC in each Member State other than the Member State in which the authorisation is sought if the risks to be covered are classified in class 10 of Part A of Annex I to this Directive, other than carrier’s liability.
kar zadeva neživljenjsko zavarovanje, sporoči imena in naslove vseh pooblaščencev za obravnavo odškodninskih zahtevkov, imenovanih v skladu s členom 4 Direktive 2000/26/ES v vseh državah članicah, razen v tisti državi članici, v kateri je zaprošeno za dovoljenje, če nevarnosti, ki naj bi bile krite, sodijo v zavarovalno vrsto 10 dela A Priloge I k Direktivi 73/239/EGS, z izjemo prevozniške odgovornosti.
An insurance undertaking seeking authorisation to extend its business to other classes or to extend an authorisation covering only some of the risks pertaining to one class shall be required to submit a scheme of operations in accordance with Article 23.
Zavarovalnica, ki zaprosi, da se njeno dovoljenje za poslovanje razširi na druge zavarovalne vrste ali da se razširi dovoljenje, ki zajema samo nekatere nevarnosti iz ene zavarovalne vrste, mora predložiti poslovni načrt v skladu s členom 23.
It shall, in addition, be required to show proof that it possesses the eligible own funds to cover the Solvency Capital Requirement and Minimum Capital Requirement provided for in the first paragraph of Article 100 and Article 128.
Poleg tega mora predložiti dokaz, da ima primerna lastna sredstva za kritje zahtevanega solventnostnega kapitala in zahtevanega minimalnega kapitala, določena v prvem odstavku člena 100 in členu 128.
Without prejudice to paragraph 2, an insurance undertaking pursuing life activities, and seeking authorisation to extend its business to the risks listed in classes 1 or 2 in Part A of Annex I as referred to in Article 73, shall demonstrate that it:
Brez poseganja v odstavek 2 življenjska zavarovalnica, ki zaprosi za dovoljenje za razširitev svojega poslovanja na tveganja iz zavarovalnih vrst 1 ali 2 v delu A Priloge I, kot določa člen 73, dokaže:
possesses the eligible basic own funds to cover the absolute floor of the Minimum Capital Requirement for life insurance undertakings and the absolute floor of the Minimum Capital Requirement for non-life insurance undertakings, as referred to in Article 129(1)(d);
da ima primerna osnovna lastna sredstva za kritje absolutnega praga zahtevanega minimalnega kapitala za življenjske zavarovalnice in absolutnega praga zahtevanega minimalnega kapitala za neživljenjske zavarovalnice, kot določa točka (d) člena 129(1);
undertakes to cover the minimum financial obligations referred to in Article 74(3), going forward.
da se obveže, da bo v prihodnje krila minimalne finančne obveznosti iz člena 74(3).
Without prejudice to paragraph 2, an insurance undertaking pursuing non-life activities for the risks listed in classes 1 or 2 in Part A of Annex I, and seeking authorisation to extend its business to life insurance risks as referred to in Article 73, shall demonstrate that it:
Brez poseganja v odstavek 2 zavarovalnica, ki opravlja dejavnosti neživljenjskega zavarovanja za tveganja iz zavarovalnih vrst 1 ali 2 v delu A Priloge I in zaprosi za dovoljenje za razširitev svojega poslovanja na tveganja v okviru življenjskega zavarovanja, kot določa člen 73, dokaže:
undertakes to cover the minimum financial obligations referred to in Article 74(3) going forward.
da se obveže, da bo v prihodnje krila minimalne finančne obveznosti iz člena 74(3).
Article 19
ČLEN 19
Where close links exist between the insurance undertaking or reinsurance undertaking and other natural or legal persons, the supervisory authorities shall grant authorisation only if those links do not prevent the effective exercise of their supervisory functions.
Če obstajajo tesne povezave med zavarovalnicami ali pozavarovalnicami in drugimi fizičnimi ali pravnimi osebami, nadzorni organi izdajo dovoljenje le, če te povezave ne preprečujejo učinkovitega izvajanja njihovih nadzornih funkcij.
The supervisory authorities shall refuse authorisation if the laws, regulations or administrative provisions of a third country governing one or more natural or legal persons with which the insurance or reinsurance undertaking has close links, or difficulties involved in the enforcement of those measures, prevent the effective exercise of their supervisory functions.
Nadzorni organi prav tako zavrnejo izdajo dovoljenja, če zakoni ali drugi predpisi v tretji državi, ki veljajo za eno ali več fizičnih ali pravnih oseb, s katerimi je zavarovalnica ali pozavarovalnica tesno povezana, ali težave pri izvrševanju teh ukrepov, preprečujejo učinkovito izvajanje nadzornih funkcij pristojnih organov.
The supervisory authorities shall require insurance and reinsurance undertakings to provide them with the information they require to monitor compliance with the conditions referred to in the first paragraph on a continuous basis.
Nadzorni organi zahtevajo, da jim zavarovalnice in pozavarovalnice posredujejo podatke, potrebne za stalno spremljanje skladnosti s pogoji iz prvega odstavka.
Article 20
ČLEN 20
Head office of insurance undertakings and reinsurance undertakings
Sedež zavarovalnie in pozavarovalnic
Member States shall require that the head offices of insurance and reinsurance undertakings be situated in the same Member State as their registered offices.
Države članice zahtevajo, da je sedež zavarovalnic in pozavarovalnic v isti državi članici kot njen registrirani sedež.
Article 21
ČLEN 21
Member States shall not require the prior approval or systematic notification of general and special policy conditions, of scales of premiums, of the technical bases, used in particular for calculating scales of premiums and technical provisions, or of forms and other printed documents which an undertaking intends to use in its dealings with policy holders or ceding or retro-ceding undertakings.
Države članice ne zahtevajo predhodnega potrjevanja ali sistematičnega uradnega 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 ali drugih tiskovinah, ki jih podjetje namerava uporabljati pri svojem poslovanju z imetnikom police, cedenti ali retro-cedenti.
However, for life insurance and for the sole purpose of verifying compliance with national provisions concerning actuarial principles, the home Member State may require systematic notification of the technical bases used for calculating scales of premiums and technical provisions.
Vendar lahko domača država članica za življenjsko zavarovanje in izključno za namen preverjanja skladnosti z nacionalnimi predpisi v zvezi z aktuarskimi načeli zahteva sistematično uradno obveščanje o tehničnih podlagah, ki se uporabljajo za izračun premijskih cenikov in zavarovalno-tehničnih rezervacij.
That requirement shall not constitute a prior condition for the authorisation of a life insurance undertaking.
Ta zahteva pa ne sme biti predpogoj za to, da bi življenjska zavarovalnica dobila dovoljenje.
Member States shall not retain or introduce prior notification or approval of proposed increases in premium rates except as part of general price-control systems.
Države članice ne ohranijo ali uvedejo predhodnega obvestila ali odobritve predlaganih povečanj premijskih stopenj, razen v sklopu splošnega sistema nadzora cen.
Member States may subject undertakings seeking or having obtained authorisation for class 18 in Part A of Annex I to checks on their direct or indirect resources in staff and equipment, including the qualification of their medical teams and the quality of the equipment available to such undertakings to meet their commitments arising out of that class.
Države članice lahko za podjetja, ki so zaprosila ali pridobila dovoljenje za zavarovalno vrsto 18 iz dela A Priloge I, uvedejo preglede njihovih neposrednih in posrednih virov in osebja ter opreme, vključno s kvalifikacijo njihovih zdravstvenih ekip in kakovosti opreme, ki jih imajo podjetja na razpolago za izpolnjevanje svojih obveznosti, ki izhajajo iz navedene zavarovalne vrste.
Member States may maintain in force or introduce laws, regulations or administrative provisions requiring approval of the memorandum and articles of association and communication of any other documents necessary for the normal exercise of supervision.
Države članice lahko ohranijo v veljavi ali sprejmejo zakone in druge predpise, ki zahtevajo odobritev družbene pogodbe in akta o ustanovitvi ter predložitev drugih listin, potrebnih za normalno izvajanje nadzora.
Article 22
ČLEN 22
Member States shall not require that any application for authorisation be considered in the light of the economic requirements of the market.
Države članice ne zahtevajo, da se vloga za izdajo dovoljenja preuči glede na gospodarske zahteve trga.
Article 23
ČLEN 23
The scheme of operations referred to in Article 18(1)(c) shall include particulars or evidence of the following:
Poslovni načrt iz točke (c) člena 18(1) vključuje podatke ali dokazila o:
the nature of the risks or commitments which the insurance or reinsurance undertaking concerned proposes to cover;
naravi nevarnosti ali obveznosti, ki jih zadevna zavarovalnica ali pozavarovalnica želi kriti;
the kind of reinsurance arrangements which the reinsurance undertaking proposes to make with ceding undertakings;
vrsti ureditev pozavarovanja, ki jih pozavarovalnica želi skleniti s cedenti;
the guiding principles as to reinsurance and to retrocession;
vodilnih načelih glede pozavarovanja in retrocesije;
the basic own-fund items constituting the absolute floor of the Minimum Capital Requirement;
postavkah osnovnih lastnih sredstev, ki sestavljajo absolutni prag zahtevanega minimalnega kapitala;
estimates of the costs of setting up the administrative services and the organisation for securing business; the financial resources intended to meet those costs and, if the risks to be covered are classified in class 18 in Part A of Annex I, the resources at the disposal of the insurance undertaking for the provision of the assistance promised.
ocenah stroškov za vzpostavitev administrativnih služb in organizacije za zaščito poslov, o finančnih virih, namenjenih za kritje teh stroškov; in če so nevarnosti, ki naj se krijejo, uvrščene v zavarovalno vrsto 18 iz dela A Priloge I, vire, ki jih ima zavarovalnica na razpolago za zagotavljanje obljubljene pomoči;
In addition to the requirements set out in paragraph 1, for the first three financial years the scheme shall include the following:
Poleg zahtev iz odstavka 1 mora za prva tri poslovna leta poslovni načrt vključevati:
a forecast balance sheet;
predvideno bilanco stanja;
estimates of the future Solvency Capital Requirement, as provided for in Chapter VI, Section 4, Subsection 1, on the basis of the forecast balance sheet referred to in point (a), as well as the calculation method used to derive those estimates;
ocene prihodnjega zahtevanega solventnostnega kapitala, kot določa pododdelek 1 oddelka 4 poglavja VI, na podlagi predvidene bilance stanja iz točke (a) ter metodo izračuna teh ocen;
estimates of the future Minimum Capital Requirement, as provided for in Articles 128 and 129, on the basis of the forecast balance sheet referred to in point (a), as well as the calculation method used to derive those estimates;
ocene prihodnjega zahtevanega minimalnega kapitala, kot določata členov 128 in 129, na podlagi predvidene bilance stanja iz točke (a) ter metodo izračuna teh ocen;
estimates of the financial resources intended to cover technical provisions, the Minimum Capital Requirement and the Solvency Capital Requirement;
ocene finančnih sredstev, namenjenih za kritje zavarovalno-tehničnih rezervacij, zahtevanega minimalnega kapitala in zahtevanega solventnostnega kapitala;
in regard to non-life insurance and reinsurance, also the following:
kar zadeva neživljenjsko zavarovanje in pozavarovanje pa tudi:
estimates of management expenses other than installation costs, in particular current general expenses and commissions;
ocene stroškov upravljanja brez zagonskih stroškov, zlasti tekočih splošnih stroškov in provizij;
estimates of premiums or contributions and claims;
ocene premij ali prispevkov in zahtevkov.
in regard to life insurance, also a plan setting out detailed estimates of income and expenditure in respect of direct business, reinsurance acceptances and reinsurance cessions.
kar zadeva življenjsko zavarovanje, pa tudi načrt, ki določa podrobne ocene prihodkov in odhodkov neposrednega zavarovanja, sprejetih obveznosti pozavarovanja in prenosih pozavarovanja.
Article 24
ČLEN 24