natgillin/translations-raw huggingface dataset:
Te informacije pa so lahko tudi v drugem jeziku, če tako zahteva zavarovalec in če to dovoljuje pravo države članice ali če lahko zavarovalec veljavno pravo prosto izbira.
However, such information may be in another language if the policy-holder so requests and the law of the Member State so permits or the policy-holder is free to choose the law applicable.
Informacije o zavarovalnici:
Information about the assurance undertaking
Informacije o obveznosti
Information about the commitment
Ime zavarovalnice in njena pravna oblika
The name of the undertaking and its legal form
Ime države članice, v kateri je sedež, in po potrebi zastopstvo ali podružnica, ki sklepa pogodbo
The name of the Member State in which the head office and, where appropriate, the agency or branch concluding the contract is situated
Naslov sedeža in po potrebi zastopstva in podružnice, ki sklepa pogodbo
The address of the head office and, where appropriate, of the agency or branch concluding the contract
Opredelitev vsake koristi in vsake opcije
Definition of each benefit and each option
Čas trajanja pogodbe
Term of the contract
Sredstvo za odstop od pogodbe
Means of terminating the contract
Način plačila premij in trajanje plačil
Means of payment of premiums and duration of payments
Način izračuna in delitev bonusov
Means of calculation and distribution of bonuses
Navedba gotovinskih in drugih izplačil in obseg, do katerega so zajamčene
Indication of surrender and paid-up values and the extent to which they are guaranteed
Informacije o premijah za vsako korist, za glavne koristi in za dodatne koristi, kjer to ustreza
Information on the premiums for each benefit, both main benefits and supplementary benefits, where appropriate
Za police življenjskega zavarovanja, vezane na enote investicijskega sklada, določitev naložb, s katerimi so koristi povezane
For unit-linked policies, definition of the units to which the benefits are linked
Navedba narave sredstev, na katerih temeljijo police življenjskega zavarovanja, vezane na enote investicijskega sklada
Indication of the nature of the underlying assets for unit-linked policies
Dogovori glede uporabe obdobja mirovanja
Arrangements for application of the cooling-off period
Splošni podatki o davčnih ureditvah, ki se uporabljajo za tako vrsto police
General information on the tax arrangements applicable to the type of policy
Ureditve za obravnavanje pritožb zavarovalcev v zvezi s pogodbami, življenjskimi zavarovanci ali upravičenci po pogodbah, po potrebi vključno z obstojem organa za reševanje pritožb, brez poseganja v pravico do uporabe pravnih sredstev
The arrangements for handling complaints concerning contracts by policy-holders, lives assured or beneficiaries under contracts including, where appropriate, the existence of a complaints body, without prejudice to the right to take legal proceedings
Pravo, ki se uporabi za pogodbo, če stranki nimata proste izbire ali, če stranki veljavno pravo prosto izbirata, pravo, za katero zavarovalnica predlaga, da se izbere
Law applicable to the contract where the parties do not have a free choice or, where the parties are free to choose the law applicable, the law the assurer proposes to choose
Poleg splošnih in posebnih pogojev police mora zavarovalec ves čas trajanja veljavnosti pogodbe prejemati naslednje informacije.
In addition to the policy conditions, both general and special, the policy-holder must receive the following information throughout the term of the contract.
Kakršna koli sprememba imena zavarovalnice, njene pravne oblike ali naslova njenega sedeža in po potrebi zastopstva ali podružnice, ki je sklenila pogodbo
Any change in the name of the undertaking, its legal form or the address of its head office and, where appropriate, of the agency or branch which concluded the contract
V primeru spremembe zavarovalnih pogojev ali spremembe prava, ki se uporabi za pogodbo, vse informacije, ki so naštete v točkah (a)4 do (a)12 dela poglavja A
All the information listed in points (a) (4) to (a) (12) of A in the event of a change in the policy conditions or amendment of the law applicable to the contract
Vsako leto informacije o stanju bonusov.
Every year, information on the state of bonuses
Združeno kraljestvo je preneslo člen 31 in Prilogo II v domačo zakonodajo prek Predpisov o zavarovalnicah (direktive o življenjskem zavarovanju) leta 1994.
The UK transposed Article 31 and Annex II into domestic legislation via the Insurance Companies (Third Insurance Directives) Regulations 1994.
Predpis 40 iz teh predpisov vnaša oddelek 72A in Prilogo 2E – Informacije za zavarovance zavarovalnic Združenega kraljestva in družb ES – v Zakon o zavarovalnicah iz leta 1982.
Regulation 40 of these regulations inserts section 72A and Schedule 2E – Information for policyholders of UK insurers and EC companies - into the ICA 1982.
Odstavka 1 in 2 Priloge določata informacije, ki jih je treba razkriti pred sklenitvijo pogodbe o dolgoročnem zavarovanju in med sklepanjem te pogodbe, medtem ko odstavka 3 in 4 določata informacije, ki jih je treba razkriti pred sklenitvijo pogodbe o splošnem zavarovanju in med sklepanjem.
Paragraphs 1 and 2 of the Schedule prescribe the information to be disclosed before and during contracts of long-term insurance, while paragraphs 3 and 4 prescribe the information to be disclosed before and during contracts of general insurance.
Ministrstvo za trgovino in industrijo je izdalo varen in smotrn napotek, ki daje zavarovalnicam napotke glede metod, s katerimi lahko najbolje izpolnjujejo novo zakonodajo o razkritju.
The DTI issued a Prudential Guidance Note that offers guidance to insurers as to the methods by which they may best comply with the new disclosure legislation.
Preambula k temu napotku jasno navaja, da ne more biti sprejeta, ker bi se morali veljavna izjava in zavarovatelji sklicevati na predpise in veljavne direktive.
The preamble to this Guidance clearly states that it cannot be taken as an authoritative statement and that insurers should refer to the Regulations and the relevant Directives.
§ veljajo za pogodbe o neposrednem dolgoročnem zavarovanju, ki se sklenejo na sedežu zavarovalnice ali v njeni podružnici ali članici družbe Lloyd v Združenem kraljestvu ali državi članici, ki ni Združeno kraljestvo, ko ima ena ali več drugih pogodbenic stalno prebivališče v Združenem kraljestvu.
§ Apply to contracts of direct long-term insurance effected by a head office or branch of an insurance company or member of Lloyd’s situated in the UK or situated in a Member State other than the UK where one or more of the other parties to the contract is habitually resident in the UK
§ Ne veljajo za pogodbe, ki predstavljajo „naložbene posle“, kot jih opredeljuje Zakon o Organu za finančne storitve iz leta 1986, sklenjene v družbah, ki so pooblaščene v smislu tega zakona.
§ Do not apply to contracts which constitute “investment business” , as defined by the FSA Act 1986, affected by companies which are authorised persons within the meaning of that Act.
Te pogodbe urejajo pravila o razkritju SIB/LAUTRO.
These contracts are governed by the SIB/LAUTRO disclosure rules.
Zahteve glede predpogodbenega razkritja za dolgoročna zavarovanja, kot jih določa Priloga 2E v osnovi ponavljajo zahteve iz Priloge II z dvema pomembnima razlikama.
Pre-contractual disclosure requirements for long-term insurance as set out by Schedule 2E basically reiterate those included in Annex II with two relevant differences.
Prvič, Priloga zahteva razkritje „vseh ureditev za nadomestila ali jamstva, ki bodo na voljo, če zavarovatelj ne bo mogel izpolniti svojih obveznosti iz pogodbe“.
Firstly, the Schedule requires the disclosure of “any compensation or guarantee arrangements which will be available if the insurer is unable to meet its liabilities under the contract”.
Ta dodatna zahteva ni navedena v Prilogi II k direktivi.
This is an additional requirement not listed by Annex II of the Directive.
Skrben in varen napotek določa, da mora zavarovalnica na zahtevo zagotoviti vsaj podrobne informacije glede ureditev za nadomestila, ki bodo veljala za pogodbo.
The Prudential Guidance Note stipulates that, as a minimum, the assurance undertaking should provide on request detailed information as to the compensation arrangements that will apply to the contract.
Kljub temu napotek ugotavlja, da je najboljša praksa zagotoviti kratek opis ureditev nadomestil, ki se bodo uporabljale, ter da bodo na zahtevo na voljo dodatne informacije.
However, the Guidance notes that the best practice is to provide a brief description of the compensation arrangements which will apply and that further information is available on request.
Drugič, v zvezi z jezikom, ki se bo uporabljal za razkritje, direktiva zahteva, da razkritje poteka v jeziku države članice obveznosti (tj. v kateri ima zavarovanec stalno prebivališče) ali če zakonodaja države članice to dopušča in zakonodajalec to zahteva, se lahko zagotovijo v jeziku druge države članice.
Secondly, in respect of the language to be used for disclosure, the Directive requires the disclosure to be in a language of the Member State of the commitment (i.e. where the policyholder is habitually resident) or, if the law of that Member State so permits and the policyholder so requests, it may be provided in the language of another Member State.
Kljub temu Priloga 2E navaja, da se informacije zagotovijo v angleščini, razen kadar druga pogodbenica zahteva, da se informacija razkrije v uradnem jeziku države članice, ki ni Združeno kraljestvo.
However, Schedule 2E states that the information shall be furnished in English except when the other party to the contract requests that the information be disclosed in an official language of a Member State other than the UK .
To na primer pomeni, da lahko družba Združenega kraljestva, če ima zavarovanec stalno prebivališče v državi članici, ki ni Združeno kraljestvo in katere uradni jezik ni angleščina, izpolni zahteve o razkritju tako, da temu zavarovancu zagotovi informacije v angleščini, razen če zavarovanec zahteva, da se mu informacije zagotovijo v njegovem jeziku.
This means, for example, that if the policyholder is habitually resident in a Member State other than the UK whose official language is not English, the UK company can comply with the disclosure requirements by furnishing that policyholder with information in English unless the policyholder requests that the information be furnished in his own language.
Tako jezikovna pravila Združenega kraljestva od zavarovatelja ne zahtevajo, da predloži informacije v drugem jeziku, razen v angleščini, medtem ko direktiva zahteva razkritje v jeziku države članice obveznosti (tj. v kateri ima zavarovanec stalno prebivališče).
Thus, the UK language rules do not oblige the insurer to provide the information in a language other than English whereas the Directive requires the disclosure to be in the language of the Member State of the commitment (i.e. where the policyholder is habitually resident).
Razen tega varni in smotrni napotki dodatno določajo zahteve o razkritju, ki so vključene v razpored.
In addition, the Prudential Guidance Note further specifies the disclosure requirements included in the schedule.
Na primer v zvezi z zahtevo po razkritju metode izračuna in razdelitve bonusov napotek določa, da mora zavarovatelj navesti:
For instance, with respect to the requirement to disclose the method of calculation and distribution of bonuses, the Guidance Note specifies that the insurer should state:
§ kako razdeli dobičke, ki so določeni za izplačilo bonusov (na primer s povišanjem prejemkov ali znižanjem premij);
§ how it distributes profits which are allocated for the payment of bonuses (for example, by an increase in benefits or a decrease in premiums)
§ ali so višji prejemki, ki izhajajo iz bonusov, le plačljivi (na podlagi kakršne koli prilagoditve), tudi če katera koli pogodbenica pogodbo predhodno prekine;
§ whether increased benefits resulting from bonuses are only payable (subject to any adjustments) even if the contract is terminated early by either party to the contract
§ kadar bonus poveča prejemke, ali se povišanja izplačujejo vsako leto ali šele ko se zavarovancu izplačajo zavarovalne vsote iz police;
§ where the bonus acts to increase benefits, whether increases are likely to be made each year or only when the policy monies become payable to the policyholder
§ podlaga, na kateri se bonusi razdelijo zavarovancem (na primer, zajamčeni znesek, izplačane premije, vrednost obstoječih bonusov);
§ the basis upon which bonuses are allotted to policyholders (for example, sum assured, premiums paid, value of existing bonuses)
§ ali police pravično razdelijo vse dobičke dolgoročnih skladov ali le nekatere elemente teh dobičkov, ker bodo na primer nekatera sredstva pod hipoteko glede na vrsto zadevne pogodbe, tako da bodo bonusi, ki se bodo razdelili zavarovancem, omejeni na dobiček iz teh naložb.
§ whether policies share equitably in the distribution of all the profits of the long-term fund or only certain elements of these profits because, for example, certain assets are to be hypothecated to the type of contract concerned so that the bonuses distributed to the policyholder will be restricted to the profits earned on those assets.
Varen in smotrn napotek določa, da je treba vse informacije razkriti v pisni obliki, preden se sklene pogodba.
The Prudential Guidance Note specifies that all the information must be disclosed in writing before the contract is entered into.
Nadalje določa, da bi morali zavarovatelji kot najboljšo prakso razkriti informacije zgodaj v prodajnem postopku in vedno, ko se priporoča določen produkt ali zavarovanec izpolni obrazec predloga.
It goes on to specify that, as best practice, insurers should disclose the information early in the selling process and whenever a product recommendation is made or a proposal form completed by the policyholder.
Stalne zahteve po razkritju: področje uporabe stalnih zahtev po razkritju za dolgoročne zavarovalne pogodbe je opredeljeno v pododstavkih (1) in (2) odstavka (2) Priloge.
Ongoing disclosure requirements: the scope of application of ongoing disclosure requirements for long-term insurance contracts is defined by paragraph (2), sub paragraphs (1) and (2) of the Schedule.
Glede na te določbe veljajo stalne pogodbene zahteve glede razkritja za pogodbe o neposrednem dolgoročnem zavarovanju, ki se sklenejo na sedežu zavarovalnice ali pri njeni podružnici ali članici družbe Lloyd v Združenem kraljestvu ali državi članici, ki ni Združeno kraljestvo, ko ima ena ali več drugih pogodbenic stalno prebivališče v Združenem kraljestvu.
According to these provisions, ongoing contractual disclosure requirements apply to contracts of direct long-term insurance entered into by a head office or branch of an insurance company or member of Lloyd’s situated in the UK or situated in a Member State other than the UK where one or more of the other parties to the contract is habitually resident in the UK.
V nasprotju s predpogodbenimi zahtevami glede razkritja stalne zahteve po razkritju veljajo za vse vrste pogodb za neposredna dolgoročna zavarovanja ne glede na to, ali vsebujejo naložbo ali ne.
Unlike pre-contractual disclosure requirements, ongoing disclosure requirements apply to all kinds of contracts for direct long-term insurance, whether they have an investment component or not.
V skladu s Prilogo II k direktivi se stalne zahteve glede razkritja za dolgoročna zavarovanja, kot jih določa Priloga 2E, sklicujejo na razkritje informacij o različicah pogodbe in o stanju bonusov.
In line with Annex II of the Directive, ongoing disclosure requirements for long-term insurance, as set out by Schedule 2E, refer to both disclosure of information on contract variations and on the state of bonuses.
Obseg, oblika in čas stalnih zahtev glede razkritja so nadalje določeni v varnem in smotrnem napotku, ki se sklicuje na pravila SIB/LAUTRO.
The extent, form and timing of the ongoing disclosure requirements are further specified by the Prudential Guidance Note, which refers to the SIB/LAUTRO rules.
Pravila SIB/LAUTRO o razkritju informacij v zvezi z različicami pogodbe in stanjem bonusov so precej bolj podrobna kot jedrnata sklicevanja iz direktive.
The SIB/LAUTRO rules on disclosure of information relating to contract variations and on the state of bonuses is far more detailed than the succinct reference made by the Directive.
Pravila SIB/LAUTRO določajo, da je treba obvestila o bonusih izdati vsaj enkrat v vsakem koledarskem letu ter v eni od naslednjih oblik:
SIB/LAUTRO rules stipulate that bonus notices must be issued at least once in every calendar year and that they should take one of the following forms:
§ obvestilo, prilagojeno stranki, ki navaja znesek bonusa, dodeljenega zavarovancu, ali
§ a client-specific notice that indicates the amount of the bonus allotted to that policyholder, or
§ obvestilo, prilagojeno stranki, ki kaže skupno vrednost naložbe, vključno z vrednostjo vseh dodeljenih bonusov in stopnjo bonusov v obdobju, za katero velja obvestilo o bonusu, ali
§ a client-specific notice which indicates the total value of the investment, including the value of any bonus allotted, and the rate of bonus over the period of time to which the bonus notice relates, or
§ obvestilo, ki ni prilagojeno stranki, ki zagotavlja dovolj informacij, da zavarovancem omogoči izračun višine dodeljenega bonusa ter navaja metodo za izračun.
§ a non client-specific notice that provides sufficient information to enable policyholders to calculate the amount of bonus allotted to them and indicates the method for the calculation.
Takšno obvestilo je lahko v obliki tabele vrednosti za bonuse za dane zajamčene zneske in leta začetka veljavnosti pogodbe ali navede višino bonusa v obliki deleža zajamčenega zneska.
Such a notice could take the form of a table of values for the bonus for given sums assured and years of commencement of the contract or indicate the amount of the bonus as a proportion of the sum assured.
Ta člen je neločljivo povezan s členom 28.
This article is inseparably linked to Article 28.
Vprašanje na tej stopnji je, ali je družba ELAS ustrezno obveščala zavarovance, razen začetnih predpogodbenih informacij, o spremembah pogojev njihovih polic, na primer v zvezi s posodobitvami glede stanja njihovih bonusov.
The issue in this instance is whether ELAS properly informed policyholders, in addition to the initial pre-contractual information, of changes to their policy conditions, for example concerning updates on the state of their bonuses.
Za nadaljevanje preiskave v tej smeri je treba preveriti, ali je družba ELAS resnično ustrezno izpolnila te obveznosti in, če jih ni, kakšne ukrepe, če sploh, je sprejel zakonodajalec na področju poslovanja v vsakem posameznem primeru (Združeno kraljestvo, Irska, Nemčija, itd.).
To pursue this line of investigation, it is necessary to verify if ELAS did indeed adequately fulfil these obligations and, if it did not, what action, if any, was taken by the conduct of business regulator in each case (UK, Ireland, Germany, etc.).
Sama direktiva zahteva le, da se zavarovance med drugim obvesti o „opredelitvi vsake koristi in vsake opcije“ in „načinih izračuna in delitev bonusov“.
The Directive itself requires only that the policyholder must be informed, inter alia, of “the definition of each benefit and each option” and “the means of calculation and distribution of bonuses”.
Te zahteve niso dovolj specifične.
These requirements are not sufficiently specific.
Obstajajo močni dokazi, ki kažejo, da družba ELAS od leta 1998 ni ustrezno razkrivala tveganja zajamčenih rent potencialnim zavarovancem s policami z nezajamčenimi stopnjami.
There is powerful evidence to suggest that, from 1998 onwards, ELAS did not adequately disclose the risk posed by guaranteed annuity rates to prospective policyholders with non-guaranteed rates.
Težko je trditi, da je to kršitev direktive, vendar je mogoče zahtevati okrepitev zahtev po razkritju v korist zavarovancem.
It is difficult to make the case that this was a breach of the Directive but easy to make the case that there is a need to enhance disclosure requirements for the benefit of policyholders.
Člen 9 – Nadzor podružnic s sedežem v drugi državi članici (člen 16 prve direktive o življenjskem zavarovanju in člen 11 kodificirane direktive)
Article 9 - Supervision of branches established in another Member State (Articles 16 of 1LD and 11 of CD)
Ta člen domači državi članici omogoča dejanski nadzor podružnic s sedežem v drugi državi članici in predhodno obveščanje pristojnih organov tuje države članice.
This article entitles the home Member State to carry on on-the-spot supervision of branches established in another Member State and previous notification to the competent authorities of the host Member State.
Direktive 79/267/EGS se nadomesti z:
of Directive 79/267/EEC shall be replaced by the following:
„Člen 16
'Article 16
Država članica podružnice predvidi, da lahko v primerih, ko zavarovalnica, ki je dovoljenje pridobila v drugi državi članici, opravlja dejavnosti preko podružnice, pristojni organi domače države članice, potem ko so obvestili pristojne organe države članice podružnice, opravijo dejansko preverjanje informacij, potrebnih za omogočanje finančnega nadzora podjetja, bodisi sami bodisi s posredovanjem oseb, ki jih imenujejo v ta namen.
The Member State of the branch shall provide that, where an assurance undertaking authorized in another Member State carries on business through a branch, the competent authorities of the home Member State may, after having first informed the competent authorities of the Member State of the branch, carry out themselves, or through the intermediary of persons they appoint for that purpose, on-the-spot verification of the information necessary to ensure the financial supervision of the undertaking.
Organi države članice podružnice lahko sodelujejo v tem preverjanju.“
The authorities of the Member State of the branch may participate in that verification'.
Ta določba je bila prenesena v zakonodajo Združenega kraljestva s predpisom 45 iz Predpisov o zavarovalnicah iz leta 1994 (direktive o življenjskem zavarovanju), s katerim je Zakonu o zavarovalnicah iz leta 1982 dodana Priloga 2F.
This provision has been transposed into UK legislation by Regulation 45 of the Insurance Companies (Third Insurance Directives) Regulations 1994, which inserts Schedule 2F to the ICA 1982.
Odstavka 13 in 14 iz Priloge 2F spreminjata pristojnosti ministrstva pri pridobivanju informacij od zavarovalnic iz oddelka 44 Zakona o zavarovalnicah iz leta 1982, ko se te pristojnosti izvajajo glede na družbo ES.
Paragraphs 13 and 14 of Schedule 2F modify the power of the Secretary of State to obtain information from insurance companies conferred by section 44 of the ICA 1982, when that power is exercised in respect of an EC company.
Oddelek 44 Zakona podeljuje ministrstvu dve vrsti pristojnosti: točka (1) zajema pristojnost ministrstva, da lahko od družbe zahteva informacije o posebnih zadevah, točke (2)(a), (2)(b) in (4)(a) pa pristojnost ministrstva, da lahko od družbe zahteva predložitev knjig ali dokumentov, kot se lahko določi.
Section 44 of the Act confers the Secretary of State two types of power: subsection (1) refers to the power to require a company to furnish the Secretary of State with information about specified matters; subsections (2)(a), (2)(b) and (4)(a) refer to the power to require a company to produce books or papers as may be specified.
Glede pristojnosti o zahtevi po informacijah o posebnih zadevah odstavek 13(1) določa, da lahko ministrstvo izvaja svoje pristojnosti glede na družbo ES, če je to zahteval nadzorni organ domače države članice ali če ministrstvo meni, da so informacije, ki jih želi pridobiti, potrebne za izvajanje njegovih nadzornih funkcij.
With respect to the power to require information about specified matters, paragraph 13(1) provides that the Secretary of State may exercise this power in respect of an EC company either if the supervisory authority of the home Member State has requested him to do so or if the Secretary of State considers that the information to be acquired is necessary to enable him to perform his supervisory functions.