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EU insurance legislation

Life

  • Directive 79/267/EEC – no longer in force, repealed by 2002/83/EC
  • Directive 90/619/EEC – no longer in force, repealed by 2002/83/EC
  • Directive 92/96/EEC – partially repealed by 2002/83/EC
  • Directive 95/26/EC – no longer in force, repealed by 2002/83/EC
    amending 73/239/EEC, 92/49/EEC, 79/267/EEC and 92/96/EEC – Post-BCCI
  • Directive 2000/64/EC
    amending 92/49/EEC and 92/96/EEC - Exchange of information with third countries
  • Directive 2002/12/EC – no longer in force, repealed by 2002/83/EC
  • Directive 2002/83/EC
    Life assurance (recast version)
  • Adaptation notice (2006/C 194/07pdf)
  • Adaptation notice (2009/C 41/01pdf)
  • Adaptation notice (2011/C 365/06pdf)

Non-Life

  • Directive 73/239/EEC
    First Council Directive – Taking-up and pursuit of the business
  • Directive 73/240/EEC
    Abolition of restrictions on freedom of establishment
  • Directive 76/580/EEC
    amending 73/239/EEC – is obsolete, since its Article 1 is obsolete following the introduction of the EURO. Its Articles 2 and 3 have also become without object, after the first revision of the solvency margin amounts by 2002/13/EC, as well as its other Articles, which contain only final provisions laying down its date of implementation and entry into force.
  • Directive 78/473/EEC
    Community co-insurance
  • Directive 84/641/EEC
    amending 73/239/EEC – Tourist assistance
  • Directive 87/343/EEC
    amending 73/239/EEC – Credit insurance and suretyship insurance
  • Directive 87/344/EEC
    Legal expenses insurance
  • Directive 88/357/EEC
    Second Council Directive amending 73/239/EEC – Provisions to facilitate effective exercise of freedom to provide services
  • Directive 90/618/EEC
    amending 73/239/EEC and 88/357/EEC – Motor vehicle liability insurance
  • Directive 92/49/EEC
    Third Council Directive amending 73/239/EEC and 88/357/EEC
  • Directive 95/26/EC
    amending 73/239/EEC, 92/49/EEC, 79/267/EEC and 92/96/EEC – Post-BCCI
  • Directive 2000/26/EC- no longer in force, repealed by 2009/103/EC
    Fourth Motor Insurance Directive amending 73/239/EEC and 88/357/EEC
  • Directive 2000/64/EC
    amending 92/49/EEC and 92/96/EEC – Exchange of information with third countries
  • Directive 2002/13/EC
    amending 73/239/EEC – Solvency margin for non-life insurance undertakings

Accounting

  • Directive 91/674/EEC
    Annual and consolidated accounts of insurance undertakings
  • Directive 78/660/EEC
    Fourth Council Directive – Annual accounts of certain types of companies
  • Directive 83/349/EEC
    Seventh Council Directive – Consolidated accounts

e-Commerce

Insurance groups

  • Directive 98/78/EC
    Supplementary supervision of insurance undertakings in an insurance group

Financial conglomerates

  • Directive 2002/87/EC
    Supplementary supervision of financial conglomerates

For further information, please see Financial Conglomerates under chapter “Financial Services”.

Insurance mediation

  • Directive 77/92/EEC
    Insurance agents and brokers – no longer in force, repealed by 2002/92/EC
  • Recommendation 92/48/EEC
    Insurance intermediaries
  • Directive 2002/92/EC
    on insurance mediation

Motor insurance

  • Directive 72/166/EEC – no longer in force, repealed by 2009/103/EC
    Insurance against civil liability in respect of the use of motor vehicles
  • Directive 72/430/EEC
    amending 72/166EEC
  • Recommendation 73/185/EEC
  • Recommendation 74/165/EEC
  • Decision 74/166/EEC – no longer in force
  • Decision 74/167/EEC – no longer in force
  • Recommendation 81/76/EEC
  • Directive 84/5/EEC – no longer in force, repealed by 2009/103/EC
    Second Motor Insurance Directive
  • Directive 90/232/EEC
    Third Motor Insurance Directive – no longer in force, repealed by 2009/103/EC
  • Decision 91/323/EEC – no longer in force, repealed by 2003/564/EC
  • Decision 93/43/EEC – no longer in force, repealed by 2003/564/EC
  • Decision 97/828/EC – no longer in force, repealed by 2003/564/EC
  • Decision 1999/103/EC – no longer in force, repealed by 2003/564/EC
  • Directive 2000/26/ECpdf – no longer in force, repealed by 2009/103/EC
    Fourth Motor Insurance Directive amending 73/239/EEC and 88/357/EEC
  • Decision 2001/160/EC – no longer in force, repealed by 2003/564/EC
  • Decision 2003/20/EC
    on the application of Article 6 of 2000/26/EC
  • Decision 2003/564/EC
    on the application of 72/166/EEC
  • Decision 2004/332/EC
    on the application of 72/166/EEC
  • Directive 2005/14pdf – no longer in force, repealed by 2009/103/EC
    5th Motor Insurance Directive amending Directives 72/166/EEC, 84/5/EEC, 88/357/EEC and 90/232/EEC and Directive 2000/26/EC
  • Decision 2005/849/ECpdfon the application of 72/166/EEC
  • Directive 2009/103/ECpdf
    Motor Insurance (codified version)
  • Adaptation notice (2010/C 332/1pdf)

Reinsurance

Solvency

The 'Solvency I' rules on capital requirements for insurance undertakings have been set in:

See also:

These rules will remain in force until 1 January 2016, when they will be replaced by the new 'Solvency II' regulatory framework.

Winding-up

  • Directive 2001/17/EC
    Reorganisation and winding-up of insurance undertakings

European Insurance and Occupational Pensions Committee (EIOPC)

(formerly Insurance Committee)

  • Directive 91/675/EEC
    setting up an insurance committee
  • Decision 2004/6/EC
    establishing CEIOPS (Committee of European Insurance and Occupational Pensions Supervisors)
  • Decision 2004/9/EC
    with the aim to establish EIOPC (European Insurance and Occupational Pensions Committee)
  • Directive 2005/1/EC
    establishing a new organisational structure for financial services committees

International agreements

EU-Switzerland agreement on non-life insurance

  • Decision 91/370/EEC - Conclusion of the Agreement between the EEC and the Swiss Confederation
    Agreement between the European Economic Community and the Swiss Confederation on direct insurance other than life assurance
  • Directive 91/371/EEC – Implementation of the Agreement between the EEC and the Swiss Confederation
  • Council Regulation (EEC) No 2155/91 of 20 June 1991 laying down particular provisions for the application of Articles 37, 39 and 40 of the Agreement between the EEC and the Swiss Confederation on direct insurance other than life assurance
  • 2001/776/ECEC-Switzerland Joint Committee Decision No 1/2001 amending annexes and protocols