natgillin/translations-raw huggingface dataset:
Member States need not apply the requirements referred to in paragraph 1 and in the first subparagraph of this paragraph to all the natural persons working in an insurance or reinsurance undertaking, or insurance or reinsurance intermediary, who pursue the activity of insurance or reinsurance distribution, but Member States shall ensure that the relevant persons within the management structure of such undertakings who are responsible for distribution in respect of insurance and reinsurance products and all other persons directly involved in insurance or reinsurance distribution demonstrate the knowledge and ability necessary for the performance of their duties.
Fizične osebe, ki delajo v zavarovalnici ali pozavarovalnici ali pri zavarovalnem ali pozavarovalnem posredniku in opravljajo dejavnost distribucije zavarovalnih in pozavarovalnih produktov, so ugledne osebe.
Insurance and reinsurance intermediaries shall demonstrate compliance with the relevant professional knowledge and competence requirements laid down in Annex I.
Najmanjši pogoj za to je, da imajo čisto kazensko evidenco ali drug enakovreden nacionalni dokument, kar zadeva huda kazniva dejanja, povezana s kaznivimi dejanji zoper lastnino ali drugimi kaznivimi dejanji, povezanimi s finančnimi dejavnostmi, in da v preteklosti niso bili v stečaju, razen če so bili oproščeni v skladu z nacionalnim pravom.
Natural persons working in an insurance or reinsurance undertaking, or insurance or reinsurance intermediary, who pursue insurance or reinsurance distribution shall be of good repute.
Države članice lahko v skladu s tretjim pododstavkom člena 3(1) distributerjem zavarovalnih ali pozavarovalnih produktov dovolijo, da preverijo dobro ime svojih zaposlenih in po potrebi zavarovalnih ali pozavarovalnih posrednikov.
As a minimum, they shall have a clean criminal record or any other national equivalent in relation to serious criminal offences linked to crimes against property or other crimes related to financial activities and they shall not have previously been declared bankrupt, unless they have been rehabilitated in accordance with national law.
Državam članicam ni treba od vseh fizičnih oseb, ki delajo v zavarovalnici ali pozavarovalnici ali pri zavarovalnem ali pozavarovalnem posredniku, zahtevati, da izpolnjujejo pogoje iz prvega pododstavka tega odstavka, pod pogojem, da te fizične osebe niso neposredno vključene v distribucijo zavarovalnih ali pozavarovalnih produktov.
Member States may, in accordance with the third subparagraph of Article 3(1), allow the insurance or reinsurance distributor to check the good repute of its employees and, where appropriate, of its insurance or reinsurance intermediaries.
Države članice zagotovijo, da osebe v upravljavski strukturi, ki so odgovorne za distribucijo zavarovalnih ali pozavarovalnih produktov, in osebje, ki je vanjo neposredno vključeno, izpolnjujejo to zahtevo.
Member States need not apply the requirement referred to in the first subparagraph of this paragraph to all the natural persons who work in an insurance or reinsurance undertaking, or insurance or reinsurance intermediary provided that those natural persons are not directly involved in insurance or reinsurance distribution.
Glede posrednikov dopolnilnih zavarovanj države članice zagotovijo, da osebe, odgovorne za distribucijo teh zavarovanj, izpolnjujejo zahtevo iz prvega pododstavka.
Member States shall ensure that the persons within the management structure responsible for, and any staff directly involved in, insurance or reinsurance distribution fulfil that requirement.
Zavarovalni in pozavarovalni posredniki imajo poklicno odškodninsko zavarovanje za celotno ozemlje Unije ali drugo primerljivo jamstvo za odgovornost, ki izhaja iz poklicne malomarnosti, in sicer v višini najmanj 1250000 EUR za vsak zahtevek in skupno 1850000 EUR letno za vse zahtevke, razen če je to zavarovanje ali primerljivo jamstvo že zagotovila zavarovalnica, pozavarovalnica ali drugo podjetje, v čigar imenu zavarovalni ali pozavarovalni posrednik deluje, ali za katerega je zavarovalni ali pozavarovalni posrednik pooblaščen, oziroma je to podjetje prevzelo polno odgovornost za njegovo delovanje.
As regards ancillary insurance intermediaries, Member States shall ensure that the persons responsible for ancillary insurance distribution fulfil the requirement referred to in the first subparagraph.
Države članice zahtevajo, da imajo posredniki dopolnilnih zavarovanj poklicno odškodninsko zavarovanje ali druga primerljiva jamstva, katerih raven določijo države članice ob upoštevanju narave prodajanih produktov in izvajanih dejavnosti.
Insurance and reinsurance intermediaries shall hold professional indemnity insurance covering the whole territory of the Union or some other comparable guarantee against liability arising from professional negligence, for at least EUR 1250000 applying to each claim and in aggregate EUR 1850000 per year for all claims, unless such insurance or comparable guarantee is already provided by an insurance undertaking, reinsurance undertaking or other undertaking on whose behalf the insurance or reinsurance intermediary is acting or for which the insurance or reinsurance intermediary is empowered to act or such undertaking has taken on full responsibility for the intermediary’s actions.
Države članice sprejmejo vse potrebne ukrepe za zaščito strank pred nezmožnostjo zavarovalnih ali pozavarovalnih posrednikov ter posrednikov dopolnilnih zavarovanj, da premijo prenesejo na zavarovalnico ali da odškodninski znesek prenesejo na zavarovanca oziroma mu vrnejo premijo.
Member States shall require that ancillary insurance intermediaries hold professional indemnity insurance or comparable guarantees at a level established by Member States taking into account the nature of the products sold and the activity carried out.
Ti ukrepi se lahko izvedejo v eni ali več spodaj naštetih oblikah:
Member States shall take all necessary measures to protect customers against the inability of the insurance, reinsurance or ancillary insurance intermediary to transfer the premium to the insurance undertaking or to transfer the amount of claim or return premium to the insured.
določbe, opredeljene v zakonu ali pogodbi, po katerih se denarna sredstva, ki jih stranka plača posredniku, štejejo, kot da jih je plačal podjetju, medtem ko se denarna sredstva, ki jih je podjetje plačalo posredniku, ne štejejo, kot da so plačane stranki, dokler jih ta dejansko ne prejme;
Such measures shall take any one or more of the following forms:
pogoj, da ima posrednik stalno finančno zmogljivost v višini 4 % letne vsote prejetih premij, pri čemer je najnižji znesek 18750 EUR;
provisions laid down by law or contract whereby monies paid by the customer to the intermediary are treated as having been paid to the undertaking, whereas monies paid by the undertaking to the intermediary are not treated as having been paid to the customer until the customer actually receives them;
pogoj, da se strankina denarna sredstva prenesejo prek strogo ločenih računov strank in da se ti računi v primeru stečaja ne uporabljajo za poplačilo drugih upnikov;
a requirement for the intermediary to have financial capacity amounting, on a permanent basis, to 4 % of the sum of annual premiums received, subject to a minimum of EUR 18750;
zahteva po oblikovanju jamstvenega sklada.
a requirement that customers’ monies be transferred via strictly segregated customer accounts and that those accounts not be used to reimburse other creditors in the event of bankruptcy;
EIOPA redno pregleduje zneske iz odstavkov 4 in 6 in pri tem upošteva spremembe evropskega indeksa cen življenjskih potrebščin, ki ga objavlja Eurostat.
a requirement that a guarantee fund be set up.
Prvi pregled se opravi do 31. decembra 2017, naslednje preglede pa se nato opravi vsakih pet let.
EIOPA shall regularly review the amounts referred to in paragraphs 4 and 6 in order to take account of changes in the European index of consumer prices as published by Eurostat.
EIOPA pripravi osnutke regulativnih tehničnih standardov, na podlagi katerih se osnovni znesek v eurih iz odstavkov 4 in 6 prilagodi za odstotek spremembe indeksa iz prvega pododstavka tega odstavka v obdobju med 1. januarjem 2013 in 31. decembrom 2017 ali med datumom zadnjega pregleda in datumom novega pregleda ter zaokroži navzgor na najbližji večkratnik 10 EUR.
The first review shall take place by 31 December 2017 and successive reviews shall take place every five years thereafter.
EIOPA te osnutke regulativnih tehničnih standardov predloži Komisiji do 30. junija 2018, naslednje osnutke regulativnih tehničnih standardov pa nato vsakih pet let.
EIOPA shall develop draft regulatory technical standards which adapt the base amount in euro referred to in paragraphs 4 and 6 by the percentage change in the index referred to in the first subparagraph of this paragraph over the period between 1 January 2013 and 31 December 2017 or between the last review date and the new review date and rounded up to the nearest multiple of EUR 10.
Na Komisijo se prenese pooblastilo za sprejetje regulativnih tehničnih standardov iz drugega in tretjega pododstavka tega odstavka v skladu s členi 10 do 14 Uredbe (EU) št. 1094/2010.
EIOPA shall submit those draft regulatory technical standards to the Commission by 30 June 2018 and the successive draft regulatory technical standards every five years thereafter.
Za zagotovitev skladnosti z zahtevami iz odstavkov 1, 2 in 3 zavarovalnice in pozavarovalnice sprejmejo, izvajajo in redno pregledujejo svoje notranje politike in ustrezne notranje postopke.
Power is conferred on the Commission to adopt the regulatory technical standards referred to in the second and third subparagraphs of this paragraph in accordance with Articles 10 to 14 of Regulation (EU) No 1094/2010.
Zavarovalnice in pozavarovalnice vzpostavijo funkcijo, s katero zagotovijo pravilno izvajanje potrjenih politik in postopkov.
To ensure compliance with the requirements in paragraphs 1, 2 and 3, insurance and reinsurance undertakings shall approve, implement and regularly review their internal policies and appropriate internal procedures.
Zavarovalnice in pozavarovalnice vzpostavijo, vzdržujejo in posodabljajo evidenco vse zadevne dokumentacije v zvezi z izvajanjem odstavkov 1, 2 in 3.
Insurance and reinsurance undertakings shall identify a function to ensure the proper implementation of the endorsed policies and procedures.
Zavarovalnice in pozavarovalnice pristojnemu organu matične države članice na zahtevo zagotovijo dostopnost imena osebe, ki je odgovorna za to funkcijo.
Insurance and reinsurance undertakings shall establish, maintain and keep up-to-date records of all the relevant documentation regarding the application of paragraphs 1, 2 and 3.
Člen 11
Insurance and reinsurance undertakings shall, upon request, make available the name of the person responsible for that function to the home Member State competent authority.
Objava predpisov o splošnih koristih
Article 11
Države članice zagotovijo, da njihovi pristojni organi ustrezno objavijo zadevne nacionalne pravne določbe, ki ščitijo splošne koristi, vključno z informacijami o tem, ali in kako so države članice sklenile, da bodo uporabile strožje določbe iz člena 29(3), ki veljajo za opravljanje distribucije zavarovalnih in pozavarovalnih produktov na njihovem ozemlju.
Publication of ‘general good’ rules
Država članica, ki poleg določb iz te direktive predlaga uporabo dodatnih določb, ki urejajo distribucijo zavarovalnih produktov, ter jih uporablja, zagotovi, da je upravna obremenitev, ki izhaja iz navedenih določb, sorazmerna ob upoštevanju varstva potrošnikov.
Member States shall ensure appropriate publication by their competent authorities of the relevant national legal provisions protecting the general good, including information about whether and how the Member State has chosen to apply the stricter provisions provided for in Article 29(3), which are applicable to the carrying on of insurance and reinsurance distribution in their territories.
Države članice še naprej spremljajo te določbe, da zagotovijo, da ostanejo skladne s tem odstavkom.
A Member State which proposes to apply and applies provisions regulating insurance distribution in addition to those set out in this Directive shall ensure that the administrative burden stemming from those provisions is proportionate with regard to consumer protection.
EIOPA na svojem spletnem mestu objavi spletne povezave do spletnih mest pristojnih organov, kjer so objavljene informacije o predpisih o splošnih koristih.
The Member State shall continue to monitor those provisions to ensure they remain in conformity with this paragraph.
Takšne informacije redno posodabljajo nacionalni pristojni organi, EIOPA pa te informacije redno objavlja na svojem spletnem mestu, pri čemer so vsi nacionalni predpisi o splošnih koristih razporejeni v različna pravna področja.
EIOPA shall include on its website the hyperlinks to the websites of competent authorities where information on ‘general good’ rules is published.
Države članice vzpostavijo eno kontaktno točko, ki je odgovorna za zagotavljanje informacij o predpisih o splošnih koristih v njihovih zadevnih državah.
Such information shall be updated by the national competent authorities on a regular basis and EIOPA shall make the information available on its website, with all national ‘general good’ rules categorised into different relevant areas of law.
Takšna kontaktna točka je lahko ustrezen pristojni organ.
Member States shall establish a single point of contact responsible for providing information on ‘general good’ rules in their respective Member State.
EIOPA preuči poročilo in obvesti Komisijo o predpisih o splošnih koristih, ki so jih objavile države članice v skladu s tem členom v okviru ustreznega delovanja te direktive in notranjega trga pred 23. februarjem 2019.
Such a point of contact should be an appropriate competent authority.
Člen 12
EIOPA shall examine in a report, and inform the Commission about, the ‘general good’ rules published by Member States as referred to in this Article in the context of the proper functioning of this Directive and of the internal market before 23 February 2019.
Pristojni organi
Article 12
Države članice določijo pristojne organe, ki so pooblaščeni za zagotovitev izvajanja te direktive.
Competent authorities
O tem obvestijo Komisijo in navedejo morebitno razdelitev teh nalog.
Member States shall designate the competent authorities empowered to ensure implementation of this Directive.
Organi iz odstavka 1 tega člena so bodisi javni organi ali organi, ki jih kot take priznava nacionalno pravo ali javni organi, ki so v ta namen izrecno pooblaščeni v nacionalnem pravu.
They shall inform the Commission thereof, indicating any division of those duties.
To niso zavarovalnice ali pozavarovalnice ali združenja, katerih člani neposredno ali posredno vključujejo zavarovalnice ali pozavarovalnice ali zavarovalne ali pozavarovalne posrednike, brez poseganja v možnost sodelovanja med pristojnimi organi in drugimi organi, kadar člen 3(1) to izrecno določa.
The authorities referred to in paragraph 1 of this Article shall be either public authorities or bodies recognised by national law or by public authorities expressly empowered for that purpose by national law.
Pristojni organi imajo vsa potrebna pooblastila za opravljanje nalog na podlagi te direktive.
They shall not be insurance or reinsurance undertakings or associations whose members directly or indirectly include insurance or reinsurance undertakings, or insurance or reinsurance intermediaries, without prejudice to the possibility of cooperation between competent authorities and other bodies where that is expressly provided for in Article 3(1).
Kadar je na ozemlju države članice več pristojnih organov, ta država članica zagotovi, da ti organi tesno sodelujejo, da lahko učinkovito opravljajo vsak svoje naloge.
The competent authorities shall possess all the powers necessary for the performance of their duties under this Directive.
Člen 13
Where there is more than one competent authority on its territory, a Member State shall ensure that those authorities collaborate closely so that they can discharge their respective duties effectively.
Sodelovanje in izmenjava informacij med pristojnimi organi držav članic
Article 13
Pristojni organi različnih držav članic med seboj sodelujejo in izmenjujejo ustrezne informacije o distributerjih zavarovalnih in pozavarovalnih produktov, da bi zagotovili ustrezno uporabo te direktive.
Cooperation and exchange of information between the competent authorities of Member States
Zlasti v postopku registracije, pa tudi sproti, pristojni organi izmenjujejo relevantne informacije v zvezi z ugledom, strokovnim znanjem in usposobljenostjo distributerjev zavarovalnih in pozavarovalnih produktov.
The competent authorities of different Member States shall cooperate among themselves and exchange any relevant information on insurance and reinsurance distributors in order to ensure the proper application of this Directive.
Pristojni organi si izmenjujejo tudi informacije o distributerjih zavarovalnih in pozavarovalnih produktov, če jim je bila izrečena sankcija ali drug ukrep iz poglavja VII in če take informacije povzročijo izbris iz registra katerega od takih distributerjev.
In particular, in the process of registration and on an ongoing basis, the competent authorities shall share relevant information concerning the good repute, the professional knowledge and the competence of insurance and reinsurance distributors.
Osebe, od katerih se zahteva prejemanje ali dajanje informacij v zvezi s to direktivo, veže poklicna molčečnost, tako kot je opredeljeno v členu 64 Direktive 2009/138/ES.
The competent authorities shall also exchange information on insurance and reinsurance distributors who have been subject to a sanction or other measure referred to in Chapter VII and such information is likely to lead to removal from the register of any such distributors.
Člen 14
All persons required to receive or divulge information in connection with this Directive shall be bound by professional secrecy, in the same manner as is laid down in Article 64 of Directive 2009/138/EC.
Pritožbe
Article 14
Države članice zagotovijo vzpostavitev postopkov, ki strankam in drugim zainteresiranim stranem, zlasti združenjem potrošnikov, omogočajo vložitev pritožb proti distributerjem zavarovalnih in pozavarovalnih produktov.
Complaints
V vseh primerih je treba pritožnikom odgovoriti.
Member States shall ensure that procedures are set up which allow customers and other interested parties, especially consumer associations, to register complaints about insurance and reinsurance distributors.
Člen 15
In all cases, complainants shall receive replies.
Izvensodno reševanje sporov
Article 15
Države članice zagotovijo vzpostavitev ustreznih, učinkovitih, nepristranskih in neodvisnih izvensodnih pritožbenih in odškodninskih postopkov za razrešitev sporov med uporabniki in distributerji zavarovalnih produktov v zvezi s pravicami in obveznostmi, ki izhajajo iz te direktive, v skladu z ustreznimi zakonodajnimi akti Unije in nacionalnim pravom, po potrebi z že obstoječimi organi.
Out-of-court redress
Države članice zagotovijo, da taki postopki veljajo za distributerje zavarovalnih produktov, zoper katere se ti postopki začnejo, in da so ustrezni organi zanje pristojni.
Member States shall ensure that adequate and effective, impartial and independent out-of-court complaint and redress procedures for the settlement of disputes between customers and insurance distributors concerning the rights and obligations arising under this Directive are established in accordance with the relevant Union legislative acts and national law, using existing bodies where appropriate.
Države članice zagotovijo, da organi iz odstavka 1 sodelujejo pri reševanju čezmejnih sporov v zvezi s pravicami in obveznostmi, ki izhajajo iz te direktive.
Member States shall ensure that such procedures are applicable, and the relevant body’s competence effectively extends, to insurance distributors against whom the procedures are initiated.
Člen 16
Member States shall ensure that the bodies referred to in paragraph 1 cooperate in the resolution of cross-border disputes concerning rights and obligations arising under this Directive.
Omejitev uporabe posrednikov
Article 16
Države članice zagotovijo, da kadar uporabljajo storitve zavarovalnih posrednikov, pozavarovalnih posrednikov ali posrednikov dopolnilnih zavarovanj, zavarovalnice in pozavarovalnice ter posredniki uporabljajo samo tiste storitve distribucije zavarovalnih in pozavarovalnih produktov, ki jih nudijo registrirani zavarovalni in pozavarovalni posredniki ali posredniki dopolnilnih zavarovanj, vključno s tistimi iz člena 1(3).
Restriction on use of intermediaries
POGLAVJE V
Member States shall ensure that, when using the services of the insurance, reinsurance or ancillary insurance intermediaries, insurance and reinsurance undertakings and intermediaries use the insurance and reinsurance distribution services only of registered insurance and reinsurance intermediaries or ancillary insurance intermediaries including those referred to in Article 1(3).
ZAHTEVE V ZVEZI Z INFORMACIJAMI IN PRAVILA POSLOVANJA
CHAPTER V
Člen 17
INFORMATION REQUIREMENTS AND CONDUCT OF BUSINESS RULES
Splošno načelo
Article 17
Države članice zagotovijo, da pri distribuciji zavarovalnih produktov distributerji zavarovalnih produktov vedno delujejo odkrito, pošteno in profesionalno v skladu z najboljšimi interesi svojih strank.
General principle
Brez poseganja v Direktivo 2005/29/ES Evropskega parlamenta in Sveta države članice zagotovijo, da so vse informacije v zvezi s predmetom te direktive, vključno s trženjskimi sporočili, ki jih distributer zavarovalnih produktov naslovi na stranke ali morebitne stranke, poštene, jasne in nezavajajoče.
Member States shall ensure that, when carrying out insurance distribution, insurance distributors always act honestly, fairly and professionally in accordance with the best interests of their customers.
Trženjska sporočila so vedno jasno prepoznavna kot taka.
Without prejudice to Directive 2005/29/EC of the European Parliament and of the Council, Member States shall ensure that all information related to the subject of this Directive, including marketing communications, addressed by the insurance distributor to customers or potential customers shall be fair, clear and not misleading.
Države članice zagotovijo, da distributerji zavarovalnih produktov niso plačani ali da ti svojih zaposlenih ne plačujejo ali ocenjujejo njegove uspešnosti na način, ki je v nasprotju z njihovo dolžnostjo, da delujejo v skladu z najboljšimi interesi svojih strank.
Marketing communications shall always be clearly identifiable as such.
Distributerji zavarovalnih produktov zlasti ne sklepajo dogovorov glede plačila, prodajnih ciljev ali drugih dogovorov, ki bi njih same ali njihove zaposlene spodbujali, da bi stranki priporočili določen zavarovalni produkt, če bi distributer zavarovalnih produktov lahko ponudil drug zavarovalni produkt, ki bi bolje zadovoljil potrebe stranke.
Member States shall ensure that insurance distributors are not remunerated or do not remunerate or assess the performance of their employees in a way that conflicts with their duty to act in accordance with the best interests of their customers.
Člen 18
In particular, an insurance distributor shall not make any arrangement by way of remuneration, sales targets or otherwise that could provide an incentive to itself or its employees to recommend a particular insurance product to a customer when the insurance distributor could offer a different insurance product which would better meet the customer’s needs.
Splošne informacije, ki jih posredujejo zavarovalni posredniki ali zavarovalnice
Article 18
Države članice zagotovijo, da:
General information provided by the insurance intermediary or insurance undertaking
pravočasno pred podpisom pogodbe o zavarovanju zavarovalni posrednik stranki razkrije:
Member States shall ensure that:
svojo identiteto in naslov ter, da je zavarovalni posrednik;