PREDLOG DIREKTIVE SKUPŠTINE EVROPE I SAVETA O PRODAJI OSIGURANjA OD 28. OKTOBRA 2014.

Jovanović Slobodan (Универзитет Привредна академија, Правни факултет за привреду и правосуђе, Нови Сад), nsbob@sezampro.rs

Paper deals with the key changes to the Directive on insurance intermediation of 2002 addressed by the Proposal for a Directive of the European Parliament and of the Council on insurance distribution of 26 October 2014. Certain gaps have been noticed since adoption of the Directive 2002 and revision in line with the following five basic principles was necessary: (1) A high and consistent level of policy holder protection embodied in EU law, (2) Effective management of conflicts of interests and transparency, (3) Introducing clearer provisions on the IMD scope, (4) Increased efficiency in cross-border business and (5) Achieve a higher level of professional requirements. Main alterations of the existing framework for insurance intermediation author has analyzed in the following segments: directive’s scope, conflict of interest, duty to inform, fees / commissions, packaged products, duty to warn on the product inadequacy and fines.

Keywords: Insurance, intermediation, consumer protection, duty to inform, commission, conflict of interest