On 17 January 2013 the Commission set up an Expert Group on European Insurance Contract law
The role of the Group was to assist the Commission by
- identifying differences in national contract laws,
- determining to what extent these differences pose an obstacle to cross-border trade in insurance products,
- identifying the specific products and areas of insurance law most likely to be affected by such obstacles.
- Section Report 1: Economic Facts and General Framework
- Section Report 2: Differences in Insurance Contract Laws and Existing EU Legal Framework
- Section Report 3: Insurance contract law – General part I
- Section Report 4: Insurance contract law – General part II
- Section Report 5: Liability insurance
- Section Report 6: Life insurance
- Section Report 7: Motor insurance
Meetings and documents
- Meetings and related documents (Discussion papers and comments, agenda, minutes) of the Expert Group from 17-18 April 2013 to 23-24 January 2014.
Comparative law tables
The Expert Group prepared comparative law tables on how key areas of insurance contract law are regulated in their respective Member States.
- Definition of an insurance contract
- Pre-contractual information
- Conclusion and form of the contract
- Unfair contract terms
- Disclosure duties of the customer
- Waiting period
- Payment of premium and consequences of non-payment
- Remedies for non-performance
- Multiple insurances
- Claims liquidation
Composition of the Group
The members of the Expert Group were selected following a call for applications. The Group is composed of specialists with outstanding competence in the area of insurance contract law. Members include
- insurance companies or organizations of insurance providers;
- consumers and businesses who are users of insurance products;
- representatives of legal professions and/or academia.
The Group represents a balance in terms of interests, geographical origin, experience and gender.