natgillin/translations-raw huggingface dataset:
In order to provide a customer with information on the insurance distribution services provided, regardless of whether the customer purchases through an intermediary or directly from an insurance undertaking, and to avoid distortion of competition by encouraging insurance undertakings to sell directly to customers rather than via intermediaries in order to avoid information requirements, insurance undertakings should also be required to provide information to customers about the nature of the remuneration their employees receive for the sale of insurance products.
Da bi stranki zagotovili informacije o storitvah distribucije zavarovalnih produktov, ki se posredujejo, ne glede na to, ali stranka kupi pri posredniku ali neposredno pri zavarovalnici, in da bi preprečili izkrivljanje konkurence s spodbujanjem zavarovalnic, da raje kot prek posrednikov prodajajo neposredno strankam, da bi se izognile zahtevam glede informacij, bi bilo treba tudi od zavarovalnic zahtevati, da strankam posredujejo informacije o naravi plačila, ki ga njihovi zaposleni prejmejo za prodajo zavarovalnih produktov.
Insurance intermediaries and insurance undertakings are subject to uniform requirements when distributing insurance-based investment products, as laid down in Regulation (EU) No 1286/2014 of the European Parliament and of the Council.
Ko zavarovalni posredniki in zavarovalnice distribuirajo zavarovalne naložbene produkte, kot so določeni v Uredbi (EU) št. 1286/2014 Evropskega parlamenta in Sveta, zanje veljajo enotne zahteve.
In addition to the information required to be provided in the form of the key information document, distributors of insurance-based investment products should provide additional information detailing any cost of distribution that is not already included in the costs specified in the key information document, so as to enable the customer to understand the cumulative effect that those aggregate costs have on the return of the investment.
Poleg informacij, ki jih je treba predložiti v obliki dokumenta s ključnimi informacijami, bi morali distributerji zavarovalnih naložbenih produktov zagotoviti dodatne informacije, v katerih natančneje navedejo vse stroške distribucije, ki niso zajeti v dokumentu s ključnimi informacijami, da se lahko stranka seznani s kumulativnim učinkom teh skupnih stroškov na donosnost naložbe.
This Directive should therefore lay down rules on provision of information on costs of the distribution service connected to the insurance-based investment products in question.
Zato bi bilo treba v tej direktivi določiti pravila o zagotavljanju informacij o stroških storitve distribucije, povezanih z zadevnimi zavarovalnimi naložbenimi produkti.
As this Directive aims to enhance consumer protection, some of its provisions are only applicable in ‘business to consumer’ relationships, especially those which regulate conduct of business rules of insurance intermediaries or of other sellers of insurance products.
Ker je cilj te direktive okrepiti varstvo potrošnikov, se nekatere od njenih določb uporabljajo samo v razmerjih med podjetji in potrošniki, in sicer zlasti tiste, ki urejajo pravila poslovanja zavarovalnih posrednikov ali drugih prodajalcev zavarovalnih produktov.
In order to avoid cases of mis-selling, the sale of insurance products should always be accompanied by a demands-and-needs test on the basis of information obtained from the customer.
Da bi preprečili primere zavajajoče prodaje, bi moral prodajo zavarovalnih produktov vedno spremljati test zahtev in potreb na podlagi informacij, pridobljenih od stranke.
Any insurance product proposed to the customer should always be consistent with the customer’s demands and needs and be presented in a comprehensible form to allow that customer to make an informed decision.
Vsak zavarovalni produkt, ki se ponudi stranki, bi moral biti skladen z zahtevami in potrebami stranke in predstavljen na razumljiv način, da bi stranki omogočili, da sprejme informirano odločitev.
Where advice is provided prior to the sale of an insurance product, in addition to the duty to specify the customers’ demands and needs, a personalised recommendation should be provided to the customer explaining why a particular product best meets the customer’s insurance demands and needs.
Kadar se pred prodajo zavarovalnega produkta nudi svetovanje, bi bilo treba poleg obveznosti o opredelitvi zahtev in potreb strank slednjim zagotoviti tudi osebno priporočilo, ki pojasnjuje, zakaj je nek produkt najustreznejši glede na zahteve in potrebe stranke v zvezi z zavarovanjem.
Member States should require that remuneration policies of insurance distributors in relation to their employees or representatives do not impair their ability to act in accordance with the best interests of customers or prevent them from making a suitable recommendation or presenting information in a form that is fair, clear and not misleading.
Države članice bi morale zahtevati, da politike glede plačila, ki jih distributerji zavarovalnih produktov izvajajo za svoje zaposlene ali predstavnike, ne zmanjšujejo njihove zmožnosti, da ravnajo v skladu z najboljšim interesom strank, ali jim preprečujejo, da pripravijo ustrezno priporočilo ali predstavijo informacije na pošten, jasen in nezavajajoč način.
Remuneration based on sales targets should not provide an incentive to recommend a particular product to the customer.
Plačilo na podlagi prodajnih ciljev ne bi smelo biti spodbuda za priporočanje določenega produkta stranki.
It is essential for the customers to know whether they are dealing with an intermediary who gives advice on the basis of a fair and personal analysis.
Bistvenega pomena je, da stranka ve, ali ima opravka s posrednikom, ki svetuje na podlagi poštene in posamezniku prilagojene analize.
In order to assess whether the number of contracts and providers considered by the intermediary is sufficiently large to cater for a fair and personal analysis, appropriate consideration should be given, inter alia, to the needs of the customer, the number of providers in the market, the market share of those providers, the number of relevant insurance products available from each provider, and the features of those products.
Da bi ocenili, ali je število pogodb in ponudnikov, s katerimi posrednik posluje, dovolj veliko, da omogoča pošteno in posamezniku prilagojeno analizo, bi bilo treba med drugim ustrezno upoštevati potrebe stranke, število ponudnikov na trgu, tržni delež teh ponudnikov, število ustreznih zavarovalnih produktov, ki so na voljo pri posameznem ponudniku, in značilnosti teh produktov.
This Directive should not prevent Member States from imposing the requirement that an insurance intermediary who wishes to give advice on the basis of a fair and personal analysis on an insurance contract gives such advice on all the insurance contracts that such an insurance intermediary distributes.
Ta direktiva državam članicam ne bi smela preprečevati, da zavarovalnim posrednikom naložijo obveznost, da morajo, če želijo svetovati o zavarovalni pogodbi na podlagi poštene in posamezniku prilagojene analize, na tak način svetovati glede vseh zavarovalnih pogodb, ki jih tak zavarovalni posrednik distribuira.
Prior to the conclusion of a contract, including in the case of non-advised sales, the customer should be given the relevant information about the insurance product to allow the customer to make an informed decision.
Pred sklenitvijo pogodbe, tudi pri prodaji brez svetovanja, bi bilo treba stranki posredovati ustrezne informacije o zavarovalnem produktu, da se jim omogočili sprejeti informirano odločitev.
An insurance product information document should provide standardised information about non-life insurance products.
V dokumentu z informacijami o zavarovalnem produktu bi morale biti navedene standardizirane informacije o produktih neživljenjskega zavarovanja.
It should be drawn up by the relevant insurance undertaking or, in the Member States concerned, by the insurance intermediary that manufactures the insurance product.
Pripraviti bi ga morala ustrezna zavarovalnica ali, v zadevnih državah članicah, zavarovalni posrednik, ki oblikuje zavarovalni produkt.
The insurance intermediary should explain to the customer the key features of the insurance products it sells, and its staff should therefore be given appropriate resources and time to do so.
Zavarovalni posrednik bi moral stranki pojasniti ključne značilnosti zavarovalnih produktov, ki jih prodaja, zato bi moralo njegovo osebje imeti ustrezne vire in čas, da to lahko stori.
In the case of group insurance, ‘customer’ should mean the representative of a group of members who concludes an insurance contract on behalf of the group of members where the individual member cannot take an individual decision to join, such as a mandatory occupational pension arrangement.
V primeru skupinskega zavarovanja bi morala „stranka“ pomeniti predstavnika skupine članov, ki v njenem imenu sklene zavarovalno pogodbo, pri čemer se posamezni član ne more posamezno odločiti za vključitev, kot je na primer ureditev obveznega pokojninskega zavarovanja.
The representative of the group should, promptly after enrolment of the member in the group insurance, provide, where relevant, the insurance product information document and the distributor’s conduct of business information.
Predstavnik skupine bi moral takoj po včlanitvi člana v skupinsko zavarovanje po potrebi zagotoviti dokument z informacijami o zavarovalnem produktu in informacije o poslovanju distributerja.
Uniform rules should be laid down in order to give the customer the choice of medium in which information is provided, allowing for use of electronic communications where it is appropriate having regard to the circumstances of the transaction.
Določiti bi bilo treba enotna pravila, da se stranki da na voljo izbira načina posredovanja informacij in omogoči uporaba elektronskih komunikacij, kadar je to primerno ob upoštevanju okoliščin posla.
However, the customer should be given the option to receive it on paper.
Vendar bi morala biti stranki dana na voljo možnost, da jih prejme v papirni obliki.
In the interest of customer access to information, all pre-contractual information should be accessible free of charge.
Zaradi dostopa strank do informacij bi morale biti vse predpogodbene informacije dostopne brezplačno.
There is less of a need to require that such information be disclosed when the customer is seeking reinsurance or insurance cover for commercial and industrial risks, or solely for the purposes of distributing insurance-based investment products, when the customer is a professional client as defined in Directive 2014/65/EU.
Manj potrebno je zahtevati, da se te informacije razkrijejo, ko stranka potrebuje pozavarovalno ali zavarovalno kritje za komercialno ali industrijsko nevarnost ali, izključno za namen distribucije zavarovalnih naložbenih produktov, ko je stranka profesionalna stranka, kot je opredeljena v Direktivi 2014/65/EU.
This Directive should specify the minimum obligations of insurance distributors in providing information to customers.
V tej direktivi bi bilo treba določiti najnižje obveznosti distributerjev zavarovalnih produktov glede zagotavljanja informacij strankam.
A Member State should be able to maintain or adopt more stringent provisions in the area of information provision which may be imposed on insurance distributors independently of the provisions of their home Member State where such distributors are pursuing insurance distribution activities on that Member State’s territory, provided that those more stringent provisions comply with Union law, including Directive 2000/31/EC of the European Parliament and of the Council.
Državi članici bi moralo biti omogočeno, da na področju zagotavljanja informacij ohrani ali sprejme strožje določbe, ki jih lahko naloži distributerjem zavarovalnih produktov neodvisno od določb njihove matične države članice, kadar taki distributerji opravljajo dejavnost distribucije zavarovalnih produktov na ozemlju te države članice, pod pogojem, da so te strožje določbe skladne s pravom Unije, tudi z Direktivo 2000/31/ES Evropskega parlamenta in Sveta.
A Member State which proposes to apply and applies provisions regulating insurance distributors and the sale of insurance products in addition to those set out in this Directive should ensure that the administrative burden stemming from those provisions is proportionate with regard to consumer protection and remains limited.
Država članica, ki poleg določb iz te direktive predlaga uporabo dodatnih določb za ureditev distributerjev zavarovalnih produktov in prodaje zavarovalnih produktov ter jih uporablja, bi morala zagotoviti, da je upravno breme, ki je posledica teh določb, sorazmerno z varstvom potrošnikov in omejeno.
Cross-selling practices are a common strategy used by insurance distributors throughout the Union.
Navzkrižna prodaja je pogosta strategija distributerjev zavarovalnih produktov v celotni Uniji.
They can provide benefits to customers but can also represent practices where the interests of customers are not adequately considered.
Strankam lahko prinesejo koristi, vendar so to lahko tudi prakse, pri katerih interesi strank niso ustrezno upoštevani.
This Directive should not prevent the distribution of multi-risk insurance policies.
Ta direktiva ne bi smela preprečevati distribucije paketnih zavarovalnih polic.
The provisions of this Directive concerning cross-selling should be without prejudice to the application of Union legislative acts providing for rules applicable to cross-selling practices in relation to certain categories of goods or services.
Določbe iz te direktive, ki se nanašajo na navzkrižno prodajo, ne bi smele posegati v izvajanje zakonodajnih aktov Unije, ki določa pravila o praksah navzkrižne prodaje glede nekaterih kategorij blaga ali storitev.
In order to ensure that insurance products meet the needs of the target market, insurance undertakings and, in the Member States where insurance intermediaries manufacture insurance products for sale to customers, insurance intermediaries should maintain, operate and review a process for the approval of each insurance product.
Za zagotovitev, da zavarovalni produkti izpolnjujejo potrebe ciljnega trga, bi morale zavarovalnice – v državah članicah, kjer zavarovalni posredniki oblikujejo zavarovalne produkte za prodajo strankam, pa tudi zavarovalni posredniki – vzdrževati, izvajati in pregledovati postopek odobritve vsakega zavarovalnega produkta.
Where an insurance distributor advises on, or proposes, insurance products which it does not manufacture, it should in any case be able to understand the characteristics and identified target market of those products.
Kadar distributer zavarovalnih produktov svetuje o zavarovalnih produktih, ki jih ne oblikuje, ali jih predlaga, bi moral v vsakem primeru biti sposoben razumeti značilnosti in ugotoviti ciljni trg za te produkte.
This Directive should not limit the variety and flexibility of the approaches which undertakings use to develop new products.
Ta direktiva ne bi smela omejevati raznolikosti in prožnosti pristopov, na podlagi katerih zavarovalnice razvijajo nove produkte.
Insurance-based investment products are often made available to customers as potential alternatives or substitutes to investment products subject to Directive 2014/65/EU.
Zavarovalni naložbeni produkti so strankam pogosto na voljo kot možne alternative ali nadomestila za naložbene produkte, ki so predmet Direktive 2014/65/EU.
To deliver consistent investor protection and avoid the risk of regulatory arbitrage, it is important that insurance-based investment products are subject, in addition to the conduct of business standards defined for all insurance products, to specific standards aimed at addressing the investment element embedded in those products.
Za omogočanje dosledne zaščite vlagateljev in preprečitev tveganja regulativne arbitraže je pomembno, da za zavarovalne naložbene produkte poleg standardov poslovanja, opredeljenih za vse zavarovalne produkte, veljajo posebni standardi, ki se nanašajo na naložbeno komponento teh produktov.
Such specific standards should include provision of appropriate information, requirements for advice to be suitable and restrictions on remuneration.
Taki posebni standardi bi morali vključevati zagotovitev ustreznih informacij, zahteve glede primernosti svetovanja in omejitve glede plačila.
In order to ensure that any fee or commission or any non-monetary benefit in connection with the distribution of an insurance-based investment product paid to or paid by any party, except the customer or a person on behalf of the customer, does not have a detrimental impact on the quality of the relevant service to the customer, the insurance distributor should put in place appropriate and proportionate arrangements in order to avoid such detrimental impact.
Za zagotovitev, da vsakršni honorar ali provizija ali nedenarna korist v zvezi z distribucijo zavarovalnega naložbenega produkta, ki ga prejme ali plača katera koli oseba, razen stranka ali oseba, ki deluje v imenu stranke, nima škodljivega učinka na kakovost ustrezne storitve za stranko, bi moral distributer zavarovalnih produktov vzpostaviti ustrezne in sorazmerne ureditve, da bi se izognil takemu škodljivemu učinku.
To that end, the insurance distributor should develop, adopt and regularly review policies and procedures relating to conflicts of interest with the aim of avoiding any detrimental impact on the quality of the relevant service to the customer and of ensuring that the customer is adequately informed about fees, commissions or benefits.
Zato bi moral distributer zavarovalnih produktov razviti, sprejeti in redno pregledovati politike in postopke, ki se nanašajo na nasprotja interesov, z namenom, da se prepreči škodljiv učinek na kakovost ustrezne storitve za stranko in zagotovi, da je stranka ustrezno obveščena o honorarjih, provizijah ali koristih.
In order to ensure compliance with the provisions of this Directive by insurance undertakings and persons who pursue insurance distribution, and to ensure that they are subject to similar treatment across the Union, Member States should be required to provide for administrative sanctions and other measures which are effective, proportionate and dissuasive.
Za zagotovitev, da zavarovalnice in osebe, ki opravljajo distribucijo zavarovalnih produktov, spoštujejo določbe iz te direktive, ter za zagotovitev, da se v vsej Uniji obravnavajo na podoben način, bi bilo treba od držav članic zahtevati, da določijo učinkovite, sorazmerne in odvračilne upravne sankcije in druge ukrepe.
A review of existing powers and their practical application has been carried out with the aim of promoting convergence of sanctions and other measures in the Commission communication of 8 December 2010 on reinforcing sanctioning regimes in the financial services sector.
Pregled obstoječih pooblastil in njihovega izvajanja v praksi je bil izveden z namenom, da se spodbudi uskladitev sankcij in drugih ukrepov iz sporočila Komisije z dne 8. decembra 2010 o krepitvi sistemov sankcij v sektorju finančnih storitev.
Therefore, administrative sanctions and other measures laid down by Member States should satisfy certain essential requirements in relation to addressees, criteria to be taken into account when applying a sanction or other measure, and publication.
Zato bi morali upravne sankcije in drugi ukrepi, ki jih določijo države članice, izpolnjevati nekatere bistvene zahteve v zvezi z naslovniki, merili, ki jih je treba upoštevati pri uporabi sankcije ali drugega ukrepa, in objavo.
Even though Member States are not prevented from laying down rules for administrative and criminal sanctions for the same breaches, Member States should not be required to lay down rules for administrative sanctions for the breaches of this Directive which are subject to national criminal law.
Čeprav državam članicam ni preprečeno, da za iste kršitve določijo pravila za upravne in kazenske sankcije, od njih ne bi smeli zahtevati, da pravila o upravnih sankcijah določijo za tiste kršitve te direktive, za katere velja nacionalno kazensko pravo.
In accordance with national law, Member States are not obliged to impose both administrative and criminal sanctions for the same offence, but they should be able to do so if their national law so permits.
V skladu z nacionalnim pravom ni treba, da države članice za isto kaznivo dejanje naložijo obenem upravne in kazenske sankcije, lahko pa bi to storile, če jim to dovoljuje nacionalno pravo.
However, the maintenance of criminal sanctions instead of administrative sanctions for breaches of this Directive should not reduce or otherwise affect the ability of competent authorities to cooperate, access and exchange information in a timely way with competent authorities in other Member States for the purposes of this Directive, including after any referral of the relevant breaches to the competent judicial authorities for criminal prosecution.
Vendar dejstvo, da se v zvezi s kršitvami te direktive namesto upravnih sankcij ohranijo kazenske sankcije, ne bi smelo zmanjšati ali drugače vplivati na možnost pristojnih organov, da za namene te direktive sodelujejo s pristojnimi organi v drugih državah članicah, imajo dostop do njihovih informacij in z njimi informacije pravočasno izmenjujejo, tudi po predložitvi zadevnih kršitev pristojnim pravosodnim organom v kazenski pregon.
In particular, the competent authorities should be empowered to impose pecuniary sanctions which are sufficiently high to offset the actual or potential profits, and to be dissuasive even for larger institutions and their managers.
Pristojni organi bi morali biti zlasti pooblaščeni, da uvedejo denarne sankcije, ki so dovolj visoke, da odtehtajo dejanski in potencialni dobiček, ter odvračilne tudi za večje institucije in njihovo vodstveno osebje.
In order to deliver consistent investor protection and avoid the risk of regulatory arbitrage, it is important that, in the event of breaches related to the distribution of an insurance-based investment product, administrative sanctions and other measures set out by Member States are aligned to those set out in Regulation (EU) No 1286/2014.
Za zagotovitev dosledne zaščite vlagateljev in preprečitev tveganja regulativne arbitraže je pomembno, da so v primeru kršitev v zvezi s distribucijo zavarovalnega naložbenega produkta upravne sankcije in drugi ukrepi, ki jih določijo države članice, usklajeni s tistimi iz Uredbe (EU) št. 1286/2014.
In order to ensure a consistent application of sanctions across the Union, Member States should ensure that, when determining the type of administrative sanctions or other measures and the level of administrative pecuniary sanctions, the competent authorities take into account all relevant circumstances.
Za zagotovitev dosledne uporabe sankcij po vsej Uniji bi morale države članice zagotoviti, da pristojni organi pri določanju vrste upravnih sankcij ali drugih ukrepov in višine upravnih denarnih kazni upoštevajo vse ustrezne okoliščine.
In order to ensure that decisions on breaches by competent authorities have a dissuasive effect on the public at large and to inform market participants about behaviour that is considered detrimental to customers, those decisions should be published, provided that the time period for lodging an appeal has passed and no appeal was lodged, unless such disclosure jeopardises the stability of financial markets or an ongoing investigation.
Za zagotovitev, da imajo odločitve o kršitvah, ki jih sprejmejo pristojni organi, odvračilni učinek na širšo javnost, in za obveščanje udeležencev na trgu o ravnanju, ki velja kot škodljivo za stranke, bi bilo treba te odločitve objaviti, pod pogojem, da se je iztekel rok za pritožbe in ni bila vložena nobena pritožba, razen če bi tako razkritje ogrožalo stabilnost finančnih trgov ali tekočo preiskavo.
Where national law provides for the publication of the sanction or other measure which is subject to an appeal, such information, as well as the outcome of the appeal, should also be published without undue delay.
Kadar nacionalno pravo predpisuje objavo sankcije ali drugega ukrepa, nad katerim se je mogoče pritožiti, bi bilo treba brez nepotrebnega odlašanja objaviti tudi tako informacijo, kot tudi izid pritožbe.