The Solvency ii
Directive
ANNEX
I
CLASSES OF NON-LIFE INSURANCE
A. CLASSIFICATION OF
RISKS ACCORDING TO CLASSES OF INSURANCE
1. Accident
(including industrial injury and occupational diseases):
-
fixed pecuniary benefits;
- benefits in the nature of
indemnity;
- combinations of the two;
- injury to
passengers.
2. Sickness:
- fixed pecuniary
benefits;
- benefits in the nature of indemnity;
-
combinations of the two.
3. Land vehicles (other than railway
rolling stock)
All damage to or loss of:
- land motor
vehicles;
- land vehicles other than motor
vehicles.
4. Railway rolling stock
All damage to or
loss of railway rolling stock.
5. Aircraft
All damage
to or loss of aircraft.
6. Ships (sea, lake and river and
canal vessels)
All damage to or loss of:
- river and
canal vessels;
- lake vessels;
- sea
vessels.
7. Goods in transit (including merchandise, baggage,
and all other goods)
All damage to or loss of goods in
transit or baggage, irrespective of the form of transport.
8. Fire and natural forces
All damage to or loss of
property (other than property included in classes 3, 4, 5, 6 and 7)
due to:
- fire;
- explosion;
- storm;
-
natural forces other than storm;
- nuclear energy;
-
land subsidence.
9. Other damage to property
All
damage to or loss of property (other than property included in
classes 3, 4, 5, 6 and 7) due to hail or frost, and any event such
as theft, other than those mentioned under 8.
10. Motor
vehicle liability
All liability arising out of the use of
motor vehicles operating on the land (including carrier's
liability).
11. Aircraft liability
All liability
arising out of the use of aircraft (including carrier's
liability).
12. Liability for ships (sea, lake and river and
canal vessels)
All liability arising out of the use of ships,
vessels or boats on the sea, lakes, rivers or canals (including
carrier's liability).
13. General liability
All liability
other than those forms mentioned under Nos. 10, 11 and
12.
14. Credit:
- insolvency (general);
-
export credit;
- instalment credit;
-
mortgages;
- agricultural credit.
15.
Suretyship:
- suretyship (direct);
- suretyship
(indirect).
16. Miscellaneous financial loss:
-
employment risks;
- insufficiency of income
(general);
- bad weather;
- loss of benefits;
-
continuing general expenses;
- unforeseen trading
expenses;
- loss of market value;
- loss of rent or
revenue;
- indirect trading losses other than those mentioned
above;
- other financial loss (non-trading) ;
- other
forms of financial loss.
17. Legal expenses
Legal
expenses and costs of litigation.
18.
Assistance
Assistance for persons who get into difficulties
while travelling, while away from home or while away from their
habitual residence.
B. DESCRIPTION OF AUTHORISATIONS GRANTED FOR
MORE THAN ONE CLASS OF INSURANCE
The following names shall be
given to authorisations which simultaneously cover the following
classes:
(a) Classes Nos 1 and 2: "Accident and Health
Insurance";
(b) Classes Nos 1 (fourth indent), 3, 7 and 10:
"Motor Insurance";
(c) Classes Nos 1 (fourth indent), 4, 6, 7
and 12: "Marine and Transport Insurance";
(d) Classes Nos 1
(fourth indent), 5, 7 and 11: "Aviation Insurance";
(e)
Classes Nos 8 and 9: "Insurance against Fire and other Damage to
Property";
(f) Classes Nos 10, 11, 12 and 13: "Liability
Insurance";
(g) Classes Nos 14 and 15: "Credit and Suretyship
Insurance";
(h) All classes, at the choice of the Member
States, which shall notify the other Member States and the
Commission of their choice.
ANNEX II
CLASSES OF
LIFE INSURANCE
I. The life insurance referred to in points
(a) (i),(ii) and (iii) of Article 2(3) excluding those referred to
in II and III;
II. Marriage assurance, birth assurance;
III. The insurance referred to in points (a) (i) and (ii) of
Article 2(3), which are linked to investment funds;
IV.
Permanent health insurance, referred to in point (a)(iv) of Article
2(3);
V. Tontines, referred to in point (b) (i) of Article
2(3);
VI. Capital redemption operations, referred to in point
(b) (ii) of Article 2(3);
VII. Management of group pension
funds, referred to in point (b) (iii) and (iv) of Article
2(3);
VIII. The operations referred to in point (b) (iii) of
Article 2(3);
IX. The operations referred to in point (c) of
Article 2(3).
ANNEX III
LEGAL FORMS OF
UNDERTAKINGS
A. Forms of non-life insurance
undertakings:
(1) in the case of the Kingdom of Belgium:
"société anonyme -naamloze vennootschap" -, "société en commandite
par actions -commanditaire vennootschap op aandelen" -,"association
d'assurance mutuelle -onderlinge verzekeringsvereniging" -,"société
coopérative -coöperatieve vennootschap" - "société mutualiste –
maatschappij van onderlinge bijstand";
(2) in the case of the
Republic of Bulgaria: "акционерно дружество";
(3) in the case
of the Czech Republic: "akciová společnost", "družstvo";
(4)
in the case of the Kingdom of Denmark: "aktieselskaber", "gensidige
selskaber";
(5) in the case of the Federal Republic of
Germany: "Aktiengesellschaft", "Versicherungsverein auf
Gegenseitigkeit", "Öffentlich-rechtliches
Wettbewerbsversicherungsunternehmen";
(6) in the case of the
Republic of Estonia: "aktsiaselts";
(7) in the case of
Ireland: incorporated companies limited by shares or by guarantee or
unlimited;
(8) in the case of the Hellenic Republic: "ανώνυμη
εταιρία", "αλληλασφαλιστικός συνεταιρισμός";
(9) in the case
of the Kingdom of Spain: "sociedad anónima", "sociedad mutua",
"sociedad cooperativa";
(10) in the case of the French
Republic: "société anonyme", "société d'assurance mutuelle",
"institution de prévoyance régie par le code de la sécurité
sociale", "institution de prévoyance régie par le code rural" and
"mutuelles régies par le code de la mutualité";
(11) in the
case of the Italian Republic: "societŕ per azioni", "societŕ
cooperativa", "mutua di assicurazione";
(12) in the case of
the Republic of Cyprus: "Εταιρεία περιορισμένης ευθύνης με μετοχές ή
εταιρεία περιορισμένης ευθύνης χωρίς μετοχικό κεφάλαιο";
(13)
in the case of the Republic of Latvia: "apdrošināšanas akciju
sabiedrība", "savstarpējās apdrošināšanas kooperatīvā
biedrība";
(14) in the case of the Republic of Lithuania:
"""akcinės bendrovės", "uždarosios uždaroji akcinės
bendrovės";
(15) in the case of the Grand Duchy of
Luxembourg: "société anonyme", "société en commandite par actions",
"association d'assurances mutuelles", "société
coopérative";
(16) in the case of the Republic of Hungary:
"biztosító részvénytársaság", "biztosító szövetkezet", "biztosító
egyesület", "külföldi székhelyű biztosító magyarországi
fióktelepe";
(17) in the case of the Republic of Malta:
"limited liability company/ kumpannija b` responsabbilta`
limitata";
(18) in the case of the Kingdom of the
Netherlands: "naamloze vennootschap", "onderlinge
waarborgmaatschappij";
(19) in the case of the Republic of
Austria: "Aktiengesellschaft", "Versicherungsverein auf
Gegenseitigkeit";
(20) in the case of the Republic of Poland:
"spółka akcyjna", "towarzystwo ubezpieczeń wzajemnych";
(21)
in the case of the Portuguese Republic: "sociedade anónima", "mútua
de seguros";
(22) in the case of Romania: "societăţi pe
acţiuni", "societăţi mutuale";
(23) in the case of the
Republic of Slovenia: "delniška družba", "družba za vzajemno
zavarovanje";
(24) in the case of the Slovak Republic:
"akciová spoločnost";
(25) in the case of the Republic of
Finland: "keskinäinen vakuutusyhtiö -ömsesidigt försäkringsbolag" -,
"vakuutusosakeyhtiö -försäkringsaktiebolag" -, "vakuutusyhdistys
-försäkringsförening";
(26) in the case of the Kingdom of
Sweden: "försäkringsaktiebolag", "ömsesidiga försäkringsbolag",
"understödsföreningar";
(27) in the case of the United
Kingdom: incorporated companies limited by shares or by guarantee or
unlimited, societies registered under the Industrial and Provident
Societies Acts, societies registered under the Friendly Societies
Acts, the association of underwriters known as Lloyd's.
(28)
in any case and as an alternative to the forms listed in points (1)
to (27), the form of a European Company (SE) as defined in Council
Regulation (EC) No 2157/2001of 8 October 2001 .
B. Forms of
life insurance undertakings:
(1) in the case of the Kingdom
of Belgium: "société anonyme/naamloze vennootschap", "société en
commandite par actions/commanditaire vennootschap op aandelen",
"association d'assurance mutuelle/onderlinge
verzekeringsvereniging", "société coopérative/coöperatieve
vennootschap";
(2) in the case of the Republic of Bulgaria:
"акционерно дружество", "взаимозастрахователна
кооперация";
(3) in the case of the Czech Republic: "akciová
společnost", "družstvo";
(4) in the case of the Kingdom of
Denmark: "aktieselskaber", "gensidige selskaber", "pensionskasser
omfattet af lov om forsikringsvirksomhed (tvćrgĺende
pensionskasser)";
(5) in the case of the Federal Republic of
Germany: "Aktiengesellschaft", "Versicherungsverein auf
Gegenseitigkeit", "öffentlich-rechtliches
Wettbewerbsversicherungsunternehmen";
(6) in the case of the
Republic of Estonia: "aktsiaselts";
(7) in the case of
Ireland: "incorporated companies limited by shares or by guarantee
or unlimited", "societies registered under the Industrial and
Provident Societies Acts" and "societies registered under the
Friendly Societies Acts";
(8) in the case of the Hellenic
Republic: "ανώνυμη εταιρία";
(9) in the case of the Kingdom
of Spain: "sociedad anónima", "sociedad mutua", "sociedad
cooperativa";
(10) in the case of the French Republic:
"société anonyme", "société d'assurance mutuelle", "institution de
prévoyance régie par le code de la sécurité sociale", "institution
de prévoyance régie par le code rural" and "mutuelles régies par le
code de la mutualité";
(11) in the case of the Italian
Republic: "societá per azioni", "societá cooperativa", "mutua di
assicurazione";
(12) in the case of the Republic of Cyprus:
"Εταιρεία περιορισμένης ευθύνης με μετοχές ή εταιρεία περιορισμένης
ευθύνης με εγγύηση";
(13) in the case of the Republic of the
Latvia: "apdrošināšanas akciju sabiedrība", "savstarpējās
apdrošināšanas kooperatīvā biedrība";
(14) in the case of the
Republic of Lithuania: "akcinės bendrovės", "uždaroji akcinės
bendrovės";
(15) in the case of the Grand Duchy of
Luxembourg: "société anonyme", "société en commandite par actions",
"association d'assurances mutuelles", "société
coopérative";
(16) in the case of the Republic of Hungary:
"biztosító részvénytársaság", "biztosító szövetkezet", "biztosító
egyesület", "külföldi székhelyű biztosító magyarországi
fióktelepe";
(17) in the case of the Republic of Malta:
"limited liability company/ kumpannija b` responsabbilta`
limitata";
(18) in the case of the Kingdom of the
Netherlands: "naamloze vennootschap", "onderlinge
waarborgmaatschappij";
(19) in the case of the Republic of
Austria: "Aktiengesellschaft", "Versicherungsverein auf
Gegenseitigkeit";
(20) in the case of the Republic of Poland:
"spółka akcyjna", "towarzystwo ubezpieczeń wzajemnych";
(21)
in the case of the Portuguese Republic: "sociedade anónima", "mútua
de seguros";
(22) in the case of Romania: "societăţi pe
acţiuni", "societăţi mutuale";
(23) in the case of the
Republic of Slovenia: "delniška družba", "družba za vzajemno
zavarovanje";
(24) in the case of the Slovak Republic:
"akciová spoločnost";
(25) in the case of the Republic of
Finland: "keskinäinen vakuutusyhtiö/ömsesidigt försäkringsbolag",
"vakuutusosakeyhtiö/försäkringsaktiebolag",
"vakuutusyhdistys/försäkringsförening";
(26) in the case of
Kingdom of Sweden: "försäkringsaktiebolag", "ömsesidiga
försäkringsbolag", "understödsföreningar";
(27) in the case
of the United Kingdom: "incorporated companies limited by shares or
by guarantee or unlimited", "societies registered under the
Industrial and Provident Societies Acts", "societies registered or
incorporated under the Friendly Societies Acts", "the association of
underwriters known as Lloyd's".
(28) in any case and as an
alternative to the forms listed in points (1) to (27), the form of a
European company (SE) as defined in Regulation (EC) No
2157/2001.
C. Forms of reinsurance undertakings:
(1)
in the case of the Kingdom of Belgium: "société anonyme/naamloze
vennootschap", "société en commandite par actions/commanditaire
vennootschap op aandelen", "association d'assurance
mutuelle/onderlinge verzekeringsvereniging", "société
coopérative/coöperatieve vennootschap";
(2) in the case of
the Republic of Bulgaria "акционерно дружество";
(3) in the
case of the Czech Republic: "akciová společnost";
(4) in the
case of the Kingdom of Denmark: "aktieselskaber", "gensidige
selskaber";
(5) in the case of the Federal Republic of
Germany: "Aktiengesellschaft", "Versicherungsverein auf
Gegenseitigkeit", "Öffentlich-rechtliches
Wettbewerbsversicherungsunternehmen";
(6) in the case of the
Republic of Estonia: "aktsiaselts";
(7) in the case of
Ireland: incorporated companies limited by shares or by guarantee or
unlimited;
(8) in the case of the Hellenic Republic: "ανώνυμη
εταιρία", "αλληλασφαλιστικός συνεταιρισμός";
(9) in the case
of the Kingdom of Spain: "sociedad anónima";
(10) in the case
of the French Republic: "société anonyme", "société d'assurance
mutuelle", "institution de prévoyance régie par le code de la
sécurité sociale", "institution de prévoyance régie par le code
rural" and "mutuelles régies par le code de la
mutualité";
(11) in the case of the Italian Republic:
"societŕ per azioni";
(12) in the case of the Republic of
Cyprus: "Εταιρεία Περιορισμένης Ευθύνης με μετοχές" ή "Εταιρεία
Περιορισμένης Ευθύνης με εγγύηση";
(13) in the case of the
Republic of Latvia: "akciju sabiedrība", "sabiedrība ar ierobežotu
atbildību";
(14) in the case of the Republic of Lithuania:
"akcinės bendrovės", "uždaroji akcinės bendrovės";
(15) in
the case of the Grand Duchy of Luxembourg: "société anonyme",
"société en commandite par actions", "association d'assurances
mutuelles", "société coopérative";
(16) in the case of the
Republic of Hungary: "biztosító részvénytársaság", "biztosító
szövetkezet", "harmadik országbeli biztosító magyarországi
fióktelepe";
(17) in the case of the Republic of Malta:
"limited liability company/kumpannija tŕ responsabbiltŕ
limitata";
(18) in the case of the Kingdom of the
Netherlands: "naamloze vennootschap", "onderlinge
waarborgmaatschappij";
(19) in the case of the Republic of
Austria: "Aktiengesellschaft", "Versicherungsverein auf
Gegenseitigkeit";
(20) in the case of the Republic of Poland:
"spółka akcyjna", "towarzystwo ubezpieczeń wzajemnych";
(21)
in the case of the Portuguese Republic: "sociedade anónima", "mútua
de seguros";
(22) in the case of Romania "societate pe
actiuni";
(23) in the case of the Republic of Slovenia:
"delniška družba";
(24) in the case of the Slovak Republic:
"akciová spoločnost";
(25) in the case of the Republic of
Finland: "keskinäinen vakuutusyhtiö/ömsesidigt försäkringsbolag",
"vakuutusosakeyhtiö/försäkringsaktiebolag",
"vakuutusyhdistys/försäkringsförening";
(26) in the case of
the Kingdom of Sweden: "försäkringsaktiebolag", "ömsesidigt
försäkringsbolag";
(27) in the case of the United Kingdom:
incorporated companies limited by shares or by guarantee or
unlimited, societies registered under the Industrial and Provident
Societies Acts, societies registered or incorporated under the
Friendly Societies Acts, "the association of underwriters known as
Lloyd's".
(28) in any case and as an alternative to the forms
listed in points (1) to (27), the form of a European Company (SE) as
defined in Regulation (EC) No 2157/2001.
  
Return to Index
Solvency ii Introduction (1) to (10)
Solvency ii Introduction (11) to (20)
Solvency ii Introduction (21) to (30)
Solvency ii Introduction (31) to (40)
Solvency ii Introduction (41) to (50)
Solvency ii Introduction (51) to (60)
Solvency ii Introduction (61) to (70)
Solvency ii Introduction (71) to (80)
Solvency ii Introduction (81) to (95)
Solvency ii Articles 1 to 10
Solvency ii Articles 11 to 20
Solvency ii Articles 21 to 30
Solvency ii Articles 31 to 39
Solvency ii Articles 40 to 49
Solvency ii Articles 50 to 62
Solvency ii Articles 63 to 71
Solvency ii Articles 72 to 85
Solvency ii Articles 86 to 99
Solvency ii Articles 100 to 125
Solvency ii Articles 126 to 142
Solvency ii Articles 143 to 159
Solvency ii Articles 160 to 173
Solvency ii Articles 174 to 203
Solvency ii Articles 204 to 215
Solvency ii Articles 216 to 233
Solvency ii Articles 234 to
262
Solvency ii Articles 263 to 298
Solvency ii Articles 300 to 313
Solvency ii ANNEX 1 to 3
Solvency ii ANNEX 4 to 5
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