natgillin/translations-raw huggingface dataset:
in good time before the conclusion of an insurance contract, an insurance intermediary makes the following disclosures to customers:
ali zagotavlja svetovanje glede zavarovalnega produkta, ki ga prodaja;
its identity and address and that it is an insurance intermediary;
postopke iz člena 14, ki strankam in drugim zainteresiranim stranem omogočajo vložitev pritožb glede zavarovalnih posrednikov in glede postopkov za izvensodno reševanje pritožb in odškodninskih postopkov iz člena 15.
whether it provides advice about the insurance products sold;
ali posrednik zastopa stranko ali dela za in v imenu zavarovalnice;
the procedures referred to in Article 14 enabling customers and other interested parties to register complaints about insurance intermediaries and about the out-of-court complaint and redress procedures referred to in Article 15;
pravočasno pred podpisom pogodbe o zavarovanju zavarovalnica stranki razkrije:
whether the intermediary is representing the customer or is acting for and on behalf of the insurance undertaking;
Člen 19
in good time before the conclusion of an insurance contract, an insurance undertaking makes the following disclosures to customers:
Nasprotja interesov in preglednost
its identity and address and that it is an insurance undertaking;
Države članice zagotovijo, da pravočasno pred sklenitvijo zavarovalne pogodbe zavarovalni posrednik stranki zagotovi najmanj vse spodaj naštete informacije:
the procedures referred to in Article 14 enabling customers and other interested parties to register complaints about insurance undertakings and about the out-of-court complaint and redress procedures referred to in Article 15.
ali ima neposreden ali posreden delež, ki predstavlja najmanj 10 % glasovalnih pravic ali kapitala v določeni zavarovalnici;
Article 19
ali ima zadevna zavarovalnica ali matično podjetje zadevne zavarovalnice neposreden ali posreden delež, ki predstavlja najmanj 10 % glasovalnih pravic ali kapitala v zavarovalnem posredniku;
Conflicts of interest and transparency
v zvezi s predlagano pogodbo ali pogodbo, o kateri se svetuje, ali:
Member States shall ensure that in good time before the conclusion of an insurance contract, an insurance intermediary provides the customer with at least the following information:
opravlja svetovanje na podlagi poštene in osebne analize;
whether it has a holding, direct or indirect, representing 10 % or more of the voting rights or of the capital in a given insurance undertaking;
ga ne veže pogodbena obveznost za distribucijo zavarovalnih produktov izključno z eno ali več zavarovalnicami in ne opravlja svetovanja na podlagi poštene in osebne analize; v tem primeru posreduje imena zavarovalnic, s katerimi lahko oziroma dejansko opravlja posel;
whether a given insurance undertaking or parent undertaking of a given insurance undertaking has a holding, direct or indirect, representing 10 % or more of the voting rights or of the capital in the insurance intermediary;
naravo prejetega plačila v zvezi z zavarovalno pogodbo;
in relation to the contracts proposed or advised upon, whether:
ali v zvezi s pogodbo o zavarovanju deluje:
it gives advice on the basis of a fair and personal analysis;
na podlagi honorarja, to je plačila, ki ga plača neposredno stranka;
it is not under a contractual obligation to conduct insurance distribution business exclusively with one or more insurance undertakings and does not give advice on the basis of a fair and personal analysis, in which case it is to provide the names of the insurance undertakings with which it may and does conduct business;
na podlagi kombinacije plačil iz točk (i), (ii) in (iii).
the nature of the remuneration received in relation to the insurance contract;
Kadar honorar plača neposredno stranka, distributer zavarovalnega produkta obvesti stranko o višini honorarja ali, kadar to ni možno, o metodi za izračun honorarja.
whether in relation to the insurance contract, it works:
Če stranka katero koli plačilo, razen tekočih premij in načrtovanih plačil, opravi na podlagi zavarovalne pogodbe po njeni sklenitvi, zavarovalni posrednik v skladu s tem členom razkrije podatke za vsako tovrstno plačilo.
on the basis of a fee, that is the remuneration paid directly by the customer;
Države članice zagotovijo, da pravočasno pred sklenitvijo zavarovalne pogodbe zavarovalnica stranko obvesti o naravi plačila, ki ga prejmejo njeni zaposleni v zvezi z zavarovalno pogodbo.
on the basis of a commission of any kind, that is the remuneration included in the insurance premium;
Če stranka katero koli plačilo, razen tekočih premij in načrtovanih plačil, opravi na podlagi zavarovalne pogodbe po njeni sklenitvi, zavarovalnica v skladu s tem členom razkrije podatke za vsako tovrstno plačilo.
on the basis of a combination of any type of remuneration set out at points (i), (ii) and (iii).
Svetovanje in standardi za prodajo, kadar svetovanje ni zagotovljeno
Where the fee is payable directly by the customer, the insurance intermediary shall inform the customer of the amount of the fee or, where that is not possible, of the method for calculating the fee.
Pred sklenitvijo kakršne koli zavarovalne pogodbe distributer zavarovalnih produktov na podlagi informacij, ki jih je prejel od stranke, opredeli zahteve in potrebe stranke ter stranki na podlagi objektivnih informacij o zavarovalnem produktu na razumljiv način omogoči informirano odločitev.
If any payments, other than the ongoing premiums and scheduled payments, are made by the customer under the insurance contract after its conclusion, the insurance intermediary shall also make the disclosures in accordance with this Article for each such payment.
Vsaka predlagana pogodba je v skladu zavarovalnimi zahtevami in potrebami stranke.
Member States shall ensure that in good time before the conclusion of an insurance contract, an insurance undertaking communicates to its customer the nature of the remuneration received by its employees in relation to the insurance contract.
Kadar se pred distribucijo zavarovalnega produkta nudi svetovanje, da distributer zavarovalnih produktov stranki tudi osebno priporočilo, ki pojasnjuje, zakaj je nek produkt najustreznejši glede na zahteve in potrebe stranke.
If any payments, other than the ongoing premiums and scheduled payments, are made by the customer under the insurance contract after its conclusion, the insurance undertaking shall also make the disclosures in accordance with this Article for each such payment.
Podrobnosti iz odstavka 1 se oblikujejo glede na kompleksnost predlaganega zavarovalnega produkta in vrsto stranke.
Article 20
Kadar zavarovalni posrednik stranko obvesti, da opravlja svetovanje na podlagi poštene in osebne analize, to svetovanje utemelji z analizo dovolj velikega števila zavarovalnih pogodb, ki so na trgu na voljo, da lahko na podlagi tega da priporočilo v skladu s strokovnimi merili glede tega, katera zavarovalna pogodba bi bila primerna za zadovoljitev potreb stranke.
Advice, and standards for sales where no advice is given
Brez poseganja v člena 183 in 184 Direktive 2009/138/ES pred sklenitvijo pogodbe zavarovalni posrednik ali zavarovalnica, ne glede na to, ali je zagotovila svetovanje ali ne, in ne glede na to, ali je zavarovalni produkt del paketa iz člena 24 te direktive, distributer zavarovanja stranki zagotovi zadevne informacije o zavarovalnem produktu v razumljivi obliki, da stranki omogoči sprejetje informirane odločitve, pri čemer upošteva kompleksnost zavarovalnega produkta in vrsto stranke.
Prior to the conclusion of an insurance contract, the insurance distributor shall specify, on the basis of information obtained from the customer, the demands and the needs of that customer and shall provide the customer with objective information about the insurance product in a comprehensible form to allow that customer to make an informed decision.
V zvezi z distribucijo produktov neživljenjskih zavarovanj, navedenih v Prilogi I k Direktivi 2009/138/ES, se informacije iz odstavka 4 tega člena zagotovijo v obliki standardiziranega dokumenta z informacijami o zavarovalnem produktu na papirju ali drugem trajnem nosilcu podatkov.
Any contract proposed shall be consistent with the customer’s insurance demands and needs.
Dokument z informacijami o zavarovalnem produktu iz odstavka 5 sestavi proizvajalec produktov neživljenjskih zavarovanj.
Where advice is provided prior to the conclusion of any specific contract, the insurance distributor shall provide the customer with a personalised recommendation explaining why a particular product would best meet the customer’s demands and needs.
Dokument z informacijami o zavarovalnem produktu:
The details referred to in paragraph 1 shall be modulated according to the complexity of the insurance product being proposed and the type of customer.
je kratek in vsebinsko zaključen dokument;
Where an insurance intermediary informs the customer that it gives its advice on the basis of a fair and personal analysis, it shall give that advice on the basis of an analysis of a sufficiently large number of insurance contracts available on the market to enable it to make a personal recommendation, in accordance with professional criteria, regarding which insurance contract would be adequate to meet the customer’s needs.
je pripravljen in oblikovan tako, da je jasen in enostaven za branje, z znaki, ki so primerne velikosti za branje;
Without prejudice to Articles 183 and 184 of Directive 2009/138/EC, prior to the conclusion of a contract, whether or not advice is given and irrespective of whether the insurance product is part of a package pursuant to Article 24 of this Directive, the insurance distributor shall provide the customer with the relevant information about the insurance product in a comprehensible form to allow the customer to make an informed decision, while taking into account the complexity of the insurance product and the type of customer.
ni manj razumljiv, ko je natisnjen ali fotokopiran v črno-beli obliki, če je izvirnik barven;
In relation to the distribution of non-life insurance products as listed in Annex I to Directive 2009/138/EC, the information referred to in paragraph 4 of this Article shall be provided by way of a standardised insurance product information document on paper or on another durable medium.
je napisan v uradnih jezikih ali enem od uradnih jezikov, ki se uporabljajo v delu države članice, kjer se zavarovalni produkt ponuja, ali, če se tako dogovorita potrošnik in distributer, v drugem jeziku;
The insurance product information document referred to in paragraph 5 shall be drawn up by the manufacturer of the non-life insurance product.
je točen in ni zavajajoč;
The insurance product information document shall:
vsebuje naslov „Dokument z informacijami o zavarovalnem produktu“ na vrhu prve strani;
be a short and stand-alone document;
vključuje izjavo, da so popolne predpogodbene in pogodbene informacije o izdelku v drugih dokumentih.
be presented and laid out in a way that is clear and easy to read, using characters of a readable size;
Države članice lahko določijo, da se dokument z informacijami o zavarovalnem produktu zagotovi skupaj z informacijami, zahtevanimi v skladu z drugimi ustreznimi zakonodajnimi akti Unije ali nacionalnim pravom, pod pogojem, da so izpolnjene vse zahteve iz prvega pododstavka.
be no less comprehensible in the event that, having been originally produced in colour, it is printed or photocopied in black and white;
Dokument z informacijami o zavarovalnem produktu vsebuje naslednje informacije:
be written in the official languages, or in one of the official languages, used in the part of the Member State where the insurance product is offered or, if agreed by the consumer and the distributor, in another language;
informacije o vrsti zavarovanja;
be accurate and not misleading;
povzetek zavarovalnega kritja, vključno z glavnimi zavarovanimi tveganji, zavarovalne vsote in po potrebi geografski obseg in povzetek izključenih tveganj;
contain the title ‘insurance product information document’ at the top of the first page;
način plačila premij in trajanje plačil;
include a statement that complete pre-contractual and contractual information on the product is provided in other documents.
glavne izjeme, ko ni mogoče podati zahteve;
Member States may stipulate that the insurance product information document is to be provided together with information required pursuant to other relevant Union legislative acts or national law on the condition that all the requirements set out in the first subparagraph are met.
obveznosti na začetku pogodbe;
The insurance product information document shall contain the following information:
obveznosti med trajanjem pogodbe;
information about the type of insurance;
obveznosti v primeru vložitve zahtevka;
a summary of the insurance cover, including the main risks insured, the insured sum and, where applicable, the geographical scope and a summary of the excluded risks;
čas trajanja pogodbe, vključno z datumi začetka in konca veljavnosti pogodbe;
the means of payment of premiums and the duration of payments;
pogoje za odstop od pogodbe.
main exclusions where claims cannot be made;
EIOPA, po posvetovanju z nacionalnimi organi in po testiranju potrošnikov, pripravi osnutke izvedbenih tehničnih standardov glede standardizirane oblike predstavitve dokumenta z informacijami o zavarovalnem produktu, ki določa podrobnosti o predložitvi informacij iz odstavka 8.
obligations at the start of the contract;
EIOPA te osnutke izvedbenih tehničnih standardov Komisiji predloži do 23. februarja 2017.
obligations during the term of the contract;
Na Komisijo se prenese pooblastilo za sprejetje izvedbenih tehničnih standardov iz prvega pododstavka tega odstavka v skladu s členom 15 Uredbe (EU) št. 1094/2010.
obligations in the event that a claim is made;
Člen 21
the term of the contract including the start and end dates of the contract;
Informacije, ki jih posredujejo posredniki dopolnilnih zavarovanj
the means of terminating the contract.
Države članice zagotovijo, da posredniki dopolnilnih zavarovanj delujejo v skladu s točkami (i), (iii), in (iv) člena 18(a) in točko (d) člena 19(1).
EIOPA, after consulting national authorities and after consumer testing, shall develop draft implementing technical standards regarding a standardised presentation format of the insurance product information document specifying the details of the presentation of the information referred to in paragraph 8.
Člen 22
EIOPA shall submit those draft implementing technical standards to the Commission by 23 February 2017.
Klavzula o izjemah glede informacij in fleksibilnosti
Power is conferred on the Commission to adopt the implementing technical standards referred to in the first subparagraph of this paragraph in accordance with Article 15 of Regulation (EU) No 1094/2010.
Informacij iz členov 18, 19 in 20 ni treba zagotoviti, če distributer zavarovalnih produktov opravlja distribucijo v zvezi z zavarovanjem velikih nevarnosti.
Article 21
Države članice lahko določijo, da informacij iz členov 29 in 30 te direktive ni treba zagotoviti za profesionalno stranko, kot je opredeljena v točki 10 člena 4(1) Direktive 2014/65/EU.
Information provided by ancillary insurance intermediaries
Države članice lahko ohranijo ali sprejmejo strožje določbe glede zagotavljanja informacij iz tega poglavja, če so takšne določbe skladne s pravom Unije.
Member States shall ensure that ancillary insurance intermediaries comply with points (i), (iii) and (iv) of Article 18(a) and point (d) of Article 19(1).
Države članice obvestijo EIOPA in Komisijo o takšnih nacionalnih določbah.
Article 22
Države članice sprejmejo potrebne ukrepe, s katerimi zagotovijo, da njihovi pristojni organi ustrezno objavijo zadevne informacije o tem, ali in kako so države članice odločile, da bodo uporabile strožje določbe iz tega odstavka.
Information exemptions and flexibility clause
Zlasti lahko države članice določijo, da je svetovanje iz tretjega pododstavka člena 20(1) obvezno za prodajo katerega koli zavarovalnega produkta ali za določene vrste zavarovalnih produktov.
The information referred to in Articles 18, 19 and 20 need not be provided when the insurance distributor carries out distribution activities in relation to the insurance of large risks.
V tem primeru distributerji zavarovalnih produktov, vključno s tistimi, ki poslujejo v okviru svobode opravljanja storitev ali svobode ustanavljanja, pri sklepanju zavarovalnih pogodb s strankami, ki imajo običajno bivališče ali so ustanovljene v navedeni državi članici, ravnajo v skladu s takimi strožjimi nacionalnimi določbami.
Member States may provide that the information referred to in Articles 29 and 30 of this Directive need not be provided to a professional client as defined in point (10) of Article 4(1) of Directive 2014/65/EU.
Države članice lahko prepovejo sprejemanje ali prejetje honorarja, provizij ali denarnih in nedenarnih koristi, ki jih distributerjem zavarovalnih produktov plača ali zagotovi tretja oseba ali oseba, ki v zvezi s distribucijo zavarovalnih produktov ukrepa za račun tretje osebe.
Member States may maintain or adopt stricter provisions regarding the information requirements referred to in this Chapter provided that such provisions comply with Union law.
Za vzpostavitev visoke stopnje preglednosti z vsemi ustreznimi sredstvi EIOPA zagotovi, da se informacije, ki jih prejme v zvezi z nacionalnimi določbami, posredujejo tudi strankam in distributerjem zavarovalnih in pozavarovalnih produktov.
Member States shall communicate to EIOPA and the Commission such national provisions.
Države članice zagotovijo, da se, kadar je distributer zavarovalnih produktov odgovoren za zagotavljanje obveznih shem poklicnih pokojninskih zavarovanj in zaposleni postane član takega zavarovanja, ne da bi sprejel individualno odločitev, da se pridruži, informacije iz tega poglavja zagotovijo zaposlenemu takoj po njegovi včlanitvi v zadevno zavarovanje.
Member States shall also take the necessary steps to ensure appropriate publication by their competent authorities of the information about whether and how the Member State has chosen to apply stricter provisions under this paragraph.
Člen 23
In particular, Member States may make the provision of advice referred to in the third subparagraph of Article 20(1) mandatory for the sales of any insurance product, or for certain types of insurance products.
Pogoji obveščanja
In such a case, such stricter national provisions shall be complied with by insurance distributors, including those operating under the freedom to provide services or the freedom of establishment, when concluding insurance contracts with customers having their habitual residence or establishment in that Member State.
Vse informacije, ki jih je treba zagotoviti v skladu s členi 18, 19, 20 in 29, se stranki sporočijo:
Member States may limit or prohibit the acceptance or receipt of fees, commissions or other monetary or non-monetary benefits paid or provided to insurance distributors by any third party, or a person acting on behalf of a third party, in relation to the distribution of insurance products.
na papirju;
In order to establish a high level of transparency by all appropriate means, EIOPA shall ensure that the information it receives relating to national provisions is also communicated to customers, and to insurance and reinsurance distributors.
na jasen in natančen način, ki ga stranka razume;
Member States shall ensure that where the insurance distributor is responsible for the provision of mandatory occupational pension arrangements and an employee becomes a member of such an arrangement without having taken an individual decision to join it, the information referred to in this Chapter shall be provided to the employee promptly after their enrolment in the arrangement concerned.
brezplačno.
Article 23
Z odstopanjem od točke (a) odstavka 1 tega člena se lahko informacije iz členov 18, 19, 20 in 29 stranki zagotovijo na enem od naslednjih medijev:
Information conditions
spletnem mestu, kadar so izpolnjeni pogoji iz odstavka 5 tega člena.
All information to be provided in accordance with Articles 18, 19, 20 and 29 shall be communicated to the customer:
Vendar, kadar se informacije iz členov 18, 19, 20 in 29 zagotovijo z uporabo trajnega medija, ki ni papir, ali prek spletnega mesta, se na zahtevo stranke kopija na papirju stranki zagotovi brezplačno.
on paper;
Informacije iz členov 18, 19, 20 in 29 se lahko zagotovijo z uporabo trajnega medija, ki ni papir, če so izpolnjeni naslednji pogoji:
in a clear and accurate manner, comprehensible to the customer;
stranka je lahko izbirala med informacijami na papirju in na trajnem mediju ter je izbrala slednjega.
free of charge.
zagotavljanje teh informacij prek spletnega mesta je primerno pri poslih med distributerjem zavarovalnega produkta in stranko;
By way of derogation from point (a) of paragraph 1 of this Article, the information referred to in Articles 18, 19, 20 and 29 may be provided to the customer on one of the following media:
stranka je privolila v zagotovitev teh informacij prek spletnega mesta;
a website where the conditions laid down in paragraph 5 of this Article are met.
zagotovljeno je, da te informacije ostanejo dostopne na spletnem mestu tako dolgo, kot jih lahko stranka razumno potrebuje.
However, where the information referred to in Articles 18, 19, 20 and 29 is provided using a durable medium other than paper or by means of a website, a paper copy shall be provided to the customer upon request and free of charge.
Za namene odstavkov 4 in 5 se zagotavljanje informacij na trajnem mediju, ki ni papir, ali prek spletnega mesta šteje za primerno pri poslih, sklenjenih med distributerjem in stranko, če obstaja dokaz, da ima stranka reden dostop do interneta.
The information referred to in Articles 18, 19, 20 and 29 may be provided using a durable medium other than paper if the following conditions are met:
Za tak dokaz se šteje elektronski poštni naslov stranke za namene tega posla.
the customer has been given the choice between information on paper and on a durable medium, and has chosen the latter medium.
Poleg tega, tudi če je stranka v skladu z odstavkom 4 izbrala, da bo predhodne informacije pridobila na trajnem mediju, ki ni papir, distributer zavarovalnih produktov v skladu z odstavkom 1 ali odstavkom 2 stranki zagotovi informacije takoj po sklenitvi zavarovalne pogodbe.
The information referred to in Articles 18, 19, 20 and 29 may be provided by means of a website if it is addressed personally to the customer or if the following conditions are met:
Člen 24
the provision of that information by means of a website is appropriate in the context of the business conducted between the insurance distributor and the customer;
Navzkrižna prodaja
the customer has consented to the provision of that information by means of a website;
Kadar se zavarovalni produkt ponudi skupaj z dopolnilno ali drugo storitvijo, ki ni zavarovanje, kot del paketa ali istega sporazuma, distributer zavarovalnih produktov stranko seznani z možnostjo nakupa posameznih delov ločeno ter v tem primeru zagotovi ustrezni opis sporazuma ali paketa, pa tudi ločeno evidenco stroškov in plačil vsake komponente.
the customer has been notified electronically of the address of the website, and the place on the website where that information can be accessed;
V primeru okoliščin iz odstavka 1 in kadar obstaja verjetnost, da bodo tveganja, ki izhajajo iz takega dogovora ali paketa, ponujenega stranki, drugačna od tveganj, povezanih z ločenimi komponentami, distributer zavarovalnih produktov zagotovi ustrezen opis različnih komponent dogovora ali paketa ter sprememb tveganj, ki nastanejo zaradi medsebojnega vplivanja.
it is ensured that that information remains accessible on the website for such period of time as the customer may reasonably need to consult it.
Kadar je zavarovalni produkt pomožni produkt v razmerju do blaga ali storitev, ki niso zavarovalni, kot del paketa ali istega sporazuma, distributer zavarovalnih produktov ponudi kupcu možnost nakupa blaga ali storitve ločeno.