+19. cikk Összeférhetetlenség és átláthatóság
---+Article 19 1.
---+Article 19 2.
---+Article 19 3.
---+Article 19 4.
---+Article 19 5.
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19. cikk Összeférhetetlenség és átláthatóság
1. Áttekintés
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Szabályozás |
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Article 19 1.
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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:
(a)
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;
(b)
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;
(c)
in relation to the contracts proposed or advised upon, whether:
(i)
it gives advice on the basis of a fair and personal analysis;
(ii)
it is under a contractual obligation to conduct insurance distribution business exclusively with one or more insurance undertakings, in which case it is to provide the names of those insurance undertakings; or
(iii)
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;
(d)
the nature of the remuneration received in relation to the insurance contract;
(e)
whether in relation to the insurance contract, it works:
(i)
on the basis of a fee, that is the remuneration paid directly by the customer;
(ii)
on the basis of a commission of any kind, that is the remuneration included in the insurance premium;
(iii)
on the basis of any other type of remuneration, including an economic benefit of any kind offered or given in connection with the insurance contract; or
(iv)
on the basis of a combination of any type of remuneration set out at points (i), (ii) and (iii).
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Article 19 2.
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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.
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Article 19 3.
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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.
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Article 19 4.
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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.
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Article 19 5.
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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.
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1.1 Hivatkozások
1.2 Azonosított követelmények
1.3 Kapcsolódó szabványok
2. Azonosított követelmények
Követelmények
| Forrás |
Követelmény |
3. Kapcsolódó szabványok
Szabványok
| Forrás |
Követelmény |
- Builddate: 09.10.2024 00:00:00 -Doknr: CELEX:32016L0097
- EULAW -
EN: Legal acts of the European Union from EUR-Lex, https://eur-lex.europa.eu/. © European Union. Re-use is authorised by Decision 2011/833/EU, provided the source is acknowledged; the consolidated texts are licensed under CC BY 4.0 (EUR-Lex legal notice). Divided into sections and converted into the GRCA format, the wording unchanged. Only the legislation published in the Official Journal of the European Union is deemed authentic.
DE: Rechtsakte der Europäischen Union aus EUR-Lex, https://eur-lex.europa.eu/. © Europäische Union. Weiterverwendung nach Beschluss 2011/833/EU mit Quellenangabe gestattet; die konsolidierten Fassungen stehen unter CC BY 4.0 (Rechtlicher Hinweis von EUR-Lex). In Abschnitte aufgeteilt und in das GRCA-Format umgewandelt, der Wortlaut unverändert. Verbindlich sind allein die im Amtsblatt der Europäischen Union veröffentlichten Rechtsakte.
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