natgillin/translations-raw huggingface dataset:
Collaboration between insurance undertakings or within associations of undertakings in the compilation of information (which may also involve some statistical calculations) allowing the calculation of the average cost of covering a specified risk in the past or, for life insurance, tables of mortality rates or of the frequency of illness, accident and invalidity, makes it possible to improve the knowledge of risks and facilitates the rating of risks for individual companies.
Sodelovanje med zavarovalnicami ali znotraj zavarovalniških podjetniških združenj pri zbiranju informacij (kar lahko vključuje tudi nekatere statistične izračune), ki omogočajo izračun povprečnih stroškov kritja določenega tveganja v preteklosti ali – pri življenjskem zavarovanju – izdelavo tabel stopnje umrljivosti in tabel o pogostnosti bolezni, nezgod in invalidnosti, omogoča boljše poznavanje tveganj in posameznim zavarovalnicam olajšuje oceno tveganj.
This can in turn facilitate market entry and thus benefit consumers.
To pa lahko olajša dostop na trg in tako koristi uporabnikom.
The same applies to joint studies on the probable impact of extraneous circumstances that may influence the frequency or scale of claims, or the yield of different types of investments.
Enako velja za skupne študije o verjetnem vplivu zunanjih okoliščin, ki lahko vplivajo na pogostnost ali obseg odškodninskih zahtevkov ali na donos različnih vrst naložb.
It is, however, necessary to ensure that such collaboration is only exempted to the extent to which it is necessary to attain these objectives.
Vendar je treba zagotoviti izjemo za tako sodelovanje zgolj v obsegu, ki je potreben za dosego teh ciljev.
It is therefore appropriate to stipulate in particular that agreements on commercial premiums are not exempted.
Zato je treba zlasti predvideti, da sporazumi o kosmatih premijah niso izvzeti.
Indeed, commercial premiums may be lower than the amounts indicated by the compilations, tables or study results in question, since insurers can use the revenues from their investments in order to reduce their premiums.
Kosmate premije so dejansko lahko nižje od zneskov, ki jih kažejo navedene zbirke podatkov, tabele ali rezultati študij, saj lahko zavarovalnice uporabijo prihodke od naložb za zniževanje premij.
Moreover, the compilations, tables or studies in question should be non-binding and serve only for reference purposes.
Poleg tega zadevne skupne zbirke podatkov, tabele ali študije ne bi smele biti zavezujoče in bi jih bilo treba uporabljati samo kot napotilo.
The exchange of information not necessary to attain the objectives set out in this recital should not be covered by this Regulation.
Ta uredba naj ne zajema izmenjave informacij, ki ni potrebna za dosego ciljev v tem odstavku.
Moreover, the narrower the categories into which statistics on the cost of covering a specified risk in the past are grouped, the more leeway insurance undertakings have to differentiate their commercial premiums when they calculate them.
Širše kot so kategorije, v katere se združujejo statistični podatki o stroških kritja določenega tveganja v preteklosti, manj možnosti imajo zavarovalnice za ločevanje kosmatih premij pri njihovem izračunu.
It is therefore appropriate to exempt joint compilations of the past cost of risks on condition that the available statistics are provided with as much detail and differentiation as is actuarially adequate.
Zato je primerno izvzeti skupne zbirke podatkov o stroških tveganja v preteklosti, če statistični podatki, ki so na voljo, vsebujejo toliko podrobnostmi in so tako diferencirani, kot je aktuarno primerno.
Furthermore, access to the joint compilations, tables and study results is necessary both for insurance undertakings active on the geographic or product market in question and for those considering entering that market.
Poleg tega je dostop do teh skupnih zbirk podatkov, tabel in rezultatov študij potreben tako za zavarovalnice, dejavne na upoštevnem geografskem ali proizvodnem trgu, kot za tiste, ki razmišljajo o vstopu na navedeni trg.
Similarly access to such compilations, tables and study results may be of value to consumer organisations or customer organisations.
Podobno je dostop do teh skupnih zbirk podatkov, tabel in rezultatov študij lahko pomemben za organizacije potrošnikov ali strank.
Insurance undertakings not yet active on the market in question and consumer or customer organisations must be granted access to such compilations, tables and study results on reasonable, affordable and non-discriminatory terms, as compared with insurance undertakings already present on that market.
Zavarovalnice, ki še niso dejavne na upoštevnem trgu, in organizacije potrošnikov ali strank morajo imeti zagotovljen dostop do takih skupnih zbirk podatkov, tabel in rezultatov študij pod primernimi, dostopnimi in nediskiminatornimi pogoji glede na zavarovalnice, ki so že prisotne na navedenem trgu.
Such terms might for example include a commitment from an insurance undertaking not yet present on the market to provide statistical information on claims, should it ever enter the market and might also include membership of the association of insurers responsible for producing the compilations.
Taki pogoji bi lahko na primer vključevali dolžnost zavarovalnice, ki še ni prisotna na trgu, da zagotovi statistične podatke o odškodninskih zahtevkih, če vstopi na trg, ter tudi članstvo v združenju zavarovalnic, ki je odgovorno za pripravo skupnih zbirk podatkov.
An exception to the requirement to grant access to consumer organisations and customer organisations should be possible on the grounds of public security, for example where the information relates to the security systems of nuclear plants or the weakness of flood prevention systems.
Izjema od obveznosti zagotavljanja dostopa organizacijam potrošnikov in strank bi morala biti omogočena na podlagi javne varnosti, na primer če se podatki nanašajo na varnostne sisteme jedrskih elektrarn ali na slabosti v sistemih za preprečevanje poplav.
The reliability of joint compilations, tables and studies becomes greater as the amount of statistics on which they are based is increased.
Zanesljivost skupnih zbirk podatkov, tabel in študij se povečuje s količino statističnih podatkov, na katerih temeljijo.
Insurers with high market shares may generate sufficient statistics internally to be able to make reliable compilations, but those with small market shares may not be able to do so, and new entrants are even less likely to be able to generate such statistics.
Zavarovalnice z visokimi tržnimi deleži bi lahko interno zbrale dovolj statističnih podatkov, da bi pripravile zanesljive skupne zbirke podatkov, tiste z majhnimi tržnimi deleži pa tega morda ne bodo mogle narediti, še manj pa nove udeleženke na trgu.
The inclusion in such joint compilations, tables and studies of information from all insurers on a market, including large ones, in principle promotes competition by helping smaller insurers, and facilitates market entry.
Vključevanje podatkov vseh zavarovalnic, prisotnih na trgu, vključno z velikimi, v take skupne zbirke podatkov, tabele in študije načeloma spodbuja konkurenco, ker pomaga manjšim zavarovalnicam, in olajšuje vstop na trg.
Given this specificity of the insurance sector, it is not appropriate to subject any exemption for such joint compilations, tables and studies to market share thresholds.
Glede na to posebnost zavarovalniškega sektorja ni ustrezno pogojevati izjem za take skupne zbirke podatkov, tabele in študije s pragom tržnega deleža.
Co-insurance or co-reinsurance pools can, in certain limited circumstances, be necessary to allow the participating undertakings of a pool to provide insurance or reinsurance for risks for which they might only offer insufficient cover in the absence of the pool.
Sozavarovalni pooli ali sozavarovalni pooli pozavarovanja so lahko v nekaterih omejenih okoliščinah nujni, da lahko udeleženci poola zagotovijo zavarovanje ali pozavarovanje za tveganja, za katera bi lahko brez obstoja poolov ponujala nezadostna kritja.
Those types of pools do not generally give rise to a restriction of competition under Article 101(1) of the Treaty and are thus not prohibited by it.
Te vrste poolov ponavadi ne povzročajo omejitve konkurence v smislu člena 101(1) Pogodbe, zato jih ta ne prepoveduje.
Co-insurance or co-reinsurance pools can allow insurers and reinsurers to provide insurance or reinsurance for risks even if pooling goes beyond what is necessary to ensure that such a risk is covered.
Sozavarovalni pooli ali sozavarovalni pooli pozavarovanja lahko zavarovalnicam in pozavarovalnicam omogočajo zagotovitev zavarovanja ali pozavarovanja za tveganja, tudi če povezovanje v poole zajema več, kot je potrebno za zagotovitev kritja takega tveganja.
However, such pools can involve restrictions of competition, such as the standardisation of policy conditions and even of amounts of cover and premiums.
Vendar imajo taki pooli lahko za posledico omejitve konkurence, kot na primer poenotenje pogojev zavarovanja ali celo zneskov kritja in premij.
It is therefore appropriate to lay down the circumstances in which such pools can benefit from exemption.
Zato je primerno določiti okoliščine, v katerih lahko za take poole velja izjema.
For genuinely new risks it is not possible to know in advance what subscription capacity is necessary to cover the risk, nor whether two or more pools could co-exist for the purposes of providing the specific type of insurance concerned.
Pri dejansko novih tveganjih ni mogoče predvideti, kakšna zmogljivost vpisa je potrebna za kritje tega tveganja, niti ali bi lahko dva ali več poolov hkrati obstajalo za zagotovitev te posebne vrste zavarovanja.
A pooling arrangement offering the co-insurance or co-reinsurance of such new risks can therefore be exempted for a limited period of time without a market share threshold.
Dogovor o sozavarovalnem poolu ali sozavarovalnem poolu pozavarovanja za kritje takih novih vrst tveganj je zato lahko deležen izjeme za omejeno obdobje brez praga tržnega deleža.
Three years should constitute an adequate period for the constitution of sufficient historical information on claims to assess the necessity or otherwise of a pool.
Podatki o odškodninskih zahtevkih, zbrani v treh letih, naj bi zadostovali za oceno, ali morajo biti ponudniki vključeni v pool ali ne.
Risks which did not previously exist should be considered as new risks.
Kot nova tveganja bi se morala obravnavati tveganja, ki prej niso obstajala.
However, in exceptional circumstances, a risk may be considered as a new risk where an objective analysis indicates that the nature of the risk has changed so materially that it is not possible to know in advance what subscription capacity is necessary in order to cover such a risk.
Vendar je mogoče v izjemnih okoliščinah tveganje obravnavati kot novo tveganje, kadar je iz objektivne analize razvidno, da se je tveganje tako bistveno spremenilo, da ni mogoče predvideti, kakšna zmogljivost vpisa je potrebna za kritje takega tveganja.
For risks which are not new, co-insurance and co-reinsurance pools which involve a restriction of competition may, in certain limited circumstances, involve benefits so as to justify an exemption under Article 101(3) of the Treaty, even if they could be replaced by two or more competing insurance entities.
Pri tveganjih, ki niso nova, lahko taki sozavarovalni pooli in sozavarovalni pooli pozavarovanja, ki imajo za posledico omejitev konkurence, v določenih omejenih okoliščinah pomenijo koristi, ki upravičujejo izjemo iz člena 101(3) Pogodbe, tudi če bi jih lahko nadomestili dve ali več konkurenčnih zavarovalnic.
They may, for example, allow their participating undertakings to gain the necessary experience of the sector of insurance involved, or they may allow cost savings, or reduction of commercial premiums through joint reinsurance on advantageous terms.
Ti pooli lahko na primer svojim udeležencem omogočijo pridobivanje potrebnih izkušenj z zadevnega zavarovalniškega sektorja, prihranke pri stroških ali znižanje kosmatih premij s pomočjo skupnega pozavarovanja pod ugodnimi pogoji.
However, any exemption should be limited to agreements which do not afford the undertakings involved the possibility of eliminating competition in respect of a substantial part of the products in question.
Vendar mora biti vsaka izjema omejena na sporazume, ki zadevnim podjetjem ne dajejo možnosti za izključitev konkurence glede znatnega dela zadevnih proizvodov.
Consumers can benefit effectively from pools only if there is sufficient competition in the relevant markets in which the pools operate.
Potrošnikom lahko pooli zares koristijo le, če je na upoštevnih trgih, na katerih delujejo pooli, dovolj konkurence.
This condition should be regarded as being met when the market share of a pool remains below a given threshold and can therefore be presumed to be subject to actual or potential competition from undertakings which are not participating in that pool.
Ta zahteva se lahko šteje za izpolnjeno šele tedaj, ko pool ne presega danega praga tržnega deleža in se zato lahko domneva, da je izpostavljen dejanski ali potencialni konkurenci zavarovalnic, ki niso udeleženke tega poola.
This Regulation should therefore grant an exemption to any such co-insurance or co-reinsurance pool which has existed for more than three years, or which is not created in order to cover a new risk, on condition that the combined market share held by the participating undertakings does not exceed certain thresholds.
Ta uredba bi zato morala priznavati izjemo vsem takim sozavarovalnim poolom ali sozavarovalnim poolom pozavarovanja, ki obstajajo več kot tri leta ali ki niso bili ustanovljeni zaradi kritja novega tveganja, če skupni tržni delež udeleženih podjetij ne presega določenih pragov.
The threshold for co-insurance pools should be lower because co-insurance pools may involve uniform policy conditions and commercial premiums.
Prag za sozavarovalne poole naj bo nižji, ker se v okviru sozavarovalnega poola lahko pojavljajo enotni pogoji zavarovanja in kosmate premije.
For the assessment of whether a pool fulfils the market share condition, the overall market share of the participating undertakings should be aggregated.
Za oceno, ali pool izpolnjuje pogoj, ki se nanaša na tržni delež, je treba sešteti vse tržne deleže udeleženih podjetij.
The market share of each participating undertaking is based on the overall gross premium income of that participating undertaking both within and outside that pool in the same relevant market.
Tržni delež posameznega udeleženega podjetja temelji na skupnem bruto premijskem dohodku zadevnega udeleženega podjetja znotraj in zunaj zadevnega poola na istem upoštevnem trgu.
These exemptions however should only apply if the pool in question meets the further conditions laid down in this Regulation, which are intended to keep to a minimum the restrictions of competition between the participating undertakings of the pool.
Vendar bi morale te izjeme veljati samo, če zadevni pool izpolnjuje tudi druge pogoje, opredeljene v tej uredbi, katerih namen je kar najbolj zmanjšati omejitve konkurence med udeleženimi podjetji poola.
An individual analysis would be necessary in such cases, in order to determine whether or not the conditions set out in this Regulation are fulfilled.
Te primere bi bilo treba analizirati posamično, da se ugotovi, ali so izpolnjeni pogoji iz te uredbe.
In order to facilitate the conclusion of agreements, some of which can involve significant investment decisions, the period of validity of this Regulation should be fixed at seven years.
Zaradi olajšanja sklepanja sporazumov, pri čemer lahko nekateri vključujejo precejšnje naložbene odločitve, je treba kot čas veljavnosti te uredbe določiti sedem let.
The Commission may withdraw the benefit of this Regulation, pursuant to Article 29(1) of Council Regulation (EC) No 1/2003 of 16 December 2002 on the implementation of the rules on competition laid down in Articles 81 and 82 of the Treaty [5], where it finds in a particular case that an agreement to which the exemptions provided for in this Regulation apply nevertheless has effects which are incompatible with Article 101(3) of the Treaty.
Komisija lahko odvzame ugodnost te uredbe na podlagi člena 29(1) Uredbe Sveta (ES) št. 1/2003 z dne 16. decembra 2002 o izvajanju pravil konkurence iz členov 81 in 82 Pogodbe [5], če v določenem primeru ugotovi, da ima sporazum, za katerega se uporabljajo izjeme iz te uredbe, kljub temu učinke, ki niso skladni s členom 101(3) Pogodbe.
The competition authority of a Member State may withdraw the benefit of this Regulation pursuant to Article 29(2) of Regulation (EC) No 1/2003 in respect of the territory of that Member State, or a part thereof where, in a particular case, an agreement to which the exemptions provided for in this Regulation apply nevertheless has effects which are incompatible with Article 101(3) of the Treaty in the territory of that Member State, or in a part thereof, and where such territory has all the characteristics of a distinct geographic market.
Organ, pristojen za konkurenco zadevne države članice, lahko umakne ugodnost iz člena 29(2) Uredba Sveta (ES) št. 1/2003 za ozemlje te države članice ali del njenega ozemlja, če ima v konkretnem primeru sporazum, za katerega velja izjema iz te uredbe, kljub temu učinke, ki so nezdružljivi s členom 101(3) Pogodbe, na ozemlju te države članice ali delu njenega ozemlja, ki ima vse lastnosti samostojnega geografskega trga.
In determining whether the benefit of this Regulation should be withdrawn pursuant to Article 29 of Regulation (EC) No 1/2003, the anti-competitive effects that may derive from the existence of links between a co-insurance or co-reinsurance pool and/or its participating undertakings and other pools and/or their participating undertakings on the same relevant market are of particular importance,
Pri odločanju o tem, ali naj se v skladu s členom 29 Uredbe Sveta (ES) št. 1/2003 umakne ugodnost iz te uredbe, so zlasti pomembni učinki omejevanja konkurence, ki lahko izhajajo iz obstoječih povezav med sozavarovalnim poolom ali sozavarovalnim poolom pozavarovanja in/ali njegovimi udeleženimi podjetji ter drugimi pooli in/ali njihovimi udeleženimi podjetji na istem upoštevnem trgu –
‘agreement’ means an agreement, a decision of an association of undertakings or a concerted practice;
„sporazum“ je sporazum, sklep podjetniškega združenja ali usklajeno ravnanje;
‘participating undertakings’ means undertakings party to the agreement and their respective connected undertakings;
„udeležena podjetja“ so podpisnice sporazuma in z njimi povezana podjetja;
‘connected undertakings’ means:
„povezana podjetja“ so:
undertakings in which a party to the agreement, directly or indirectly:
podjetja, v katerih lahko podpisnica sporazuma neposredno ali posredno:
has the power to exercise more than half the voting rights; or
uveljavlja več kot polovico glasovalnih pravic ali
has the power to appoint more than half the members of the supervisory board, board of management or bodies legally representing the undertaking; or
imenuje več kot polovico članov nadzornega sveta, uprave ali teles, ki zakonito zastopajo podjetje, ali
has the right to manage the undertaking’s affairs;
ima pravico upravljati posle podjetja;
undertakings which directly or indirectly have, over a party to the agreement, the rights or powers listed in point (a);
podjetja, ki imajo nad podpisnico sporazuma neposredno ali posredno pravice ali pooblastila iz točke (a);
undertakings in which an undertaking referred to in point (b) has, directly or indirectly, the rights or powers listed in point (a);
podjetja, v katerih ima podjetje iz točke (b), neposredno ali posredno, pravice ali pooblastila iz točke (a);
undertakings in which a party to the agreement together with one or more of the undertakings referred to in points (a), (b) or (c), or in which two or more of the latter undertakings, jointly have the rights or powers listed in point (a);
podjetja, v katerih ima podpisnica sporazuma skupaj z enim ali več podjetji iz točke (a), (b) ali (c) ali v katerih imata dve ali več od slednjih podjetij skupaj pravice ali pooblastila iz točke (a);
undertakings in which the rights or powers listed in point (a) are jointly held by:
podjetja, v katerih imajo pravice ali pooblastila iz točke (a) skupaj:
parties to the agreement or their respective connected undertakings referred to in points (a) to (d); or
podpisnice sporazuma ali povezana podjetja vsake od njih iz točk (a) do (d) ali
one or more of the parties to the agreement or one or more of their connected undertakings referred to in points (a) to (d) and one or more third parties;
ena ali več podpisnic sporazuma ali eno ali več njihovih povezanih podjetij iz točk (a) do (d) in ena ali več tretjih oseb;
‘co-insurance pools’ means groups set up by insurance undertakings either directly or through brokers or authorised agents, with the exception of ad-hoc co-insurance agreements on the subscription market, whereby a certain part of a given risk is covered by a lead insurer and the remaining part of the risk is covered by follow insurers who are invited to cover that remainder, which:
„sozavarovalni pooli“ so skupnosti, ki jih ustanovijo zavarovalnice neposredno ali prek posrednikov ali pooblaščenih zastopnikov, razen ad hoc dogovorov o sozavarovanju na trgu vpisa, pri čemer določen del danega tveganja krije glavna zavarovalnica, preostali del tveganja pa naslednje zavarovalnice, pozvane h kritju preostalega dela, ki:
agree to underwrite, in the name and for the account of all the participants, the insurance of a specified risk category; or
se zavežejo, da bodo v imenu in za račun vseh udeleženih sklepale zavarovalne pogodbe za določene vrste tveganj ali
entrust the underwriting and management of the insurance of a specified risk category, in their name and on their behalf, to one of the insurance undertakings, to a common broker or to a common body set up for this purpose;
poverijo sklepanje in upravljanje zavarovanja določene vrste tveganj v njihovem imenu in za njihov račun eni izmed zavarovalnic, skupnemu posredniku ali skupnemu organu, ustanovljenemu v ta namen;
‘co-reinsurance pools’ means groups set up by insurance undertakings either directly or through broker or authorised agents, possibly with the assistance of one or more reinsurance undertakings, with the exception of ad-hoc co-reinsurance agreements on the subscription market, whereby a certain part of a given risk is covered by a lead insurer and the remaining part of this risk is covered by follow insurers who are then invited to cover that remainder in order to:
„sozavarovalni pooli pozavarovanja“ so skupnosti, ki jih ustanovijo zavarovalnice neposredno ali prek posrednikov ali pooblaščenih zastopnikov in morda ob pomoči ene ali več pozavarovalnic, razen ad hoc dogovorov o sozavarovanju pozavarovanja na trgu vpisa, pri čemer določen del danega tveganja krije glavna zavarovalnica, preostali del tveganja pa naslednje zavarovalnice, pozvane h kritju preostalega dela:
reinsure mutually all or part of their liabilities in respect of a specified risk category;
zaradi skupnega pozavarovanja vseh svojih obveznosti ali njihovega dela glede določene vrste tveganj;
incidentally accept, in the name and on behalf of all the participants, the reinsurance of the same category of risks;
zaradi morebitnega sprejetja pozavarovanja za isto vrsto tveganj v imenu in za račun vseh udeleženih;
‘new risks’ means:
„nova tveganja“ so:
risks which did not previously exist, and for which insurance cover requires the development of an entirely new insurance product, not involving an extension, improvement or replacement of an existing insurance product; or
tveganja, ki prej niso obstajala in ki se lahko krijejo samo s popolnoma novim zavarovalnim produktom, ne pa z razširitvijo, izboljšanjem ali zamenjavo obstoječega zavarovalnega produkta, ali