Subject to Article 14, authorisation shall be granted for a particular class of direct insurance as listed in Part A of Annex I or in Annex II. It shall cover the entire class, unless the applicant wishes to cover only some of the risks pertaining to that class.
The risks included in a class shall not be included in any other class except in the cases referred to in Article 16.
Authorisation may be granted for two or more of the classes, where the national law of a Member State permits such classes to be pursued simultaneously.