insurance guarantee schemes (EU). 1. Member States shall ensure that insurance guarantee schemes cover not less than [90]
% of non-life insurance claims which are above 100 Euro.
Member States shall ensure that insurance guarantee schemes cover not less than [90]
% of life insurance claims which are above 100 Euro.
Each Member State shall ensure that, within its territory, there is one or more
insurance guarantee schemes in operation which fulfil the conditions set out in this
Directive.
Each Member State shall ensure that no insurance undertaking shall be authorized in
its territory unless it belongs to an insurance guarantee scheme and that no insurance
undertaking authorized in its territory may continue to carry on insurance business unless
it belongs to an insurance guarantee scheme.
Where an insurance guarantee scheme is competent for the protection of life and
nonlife insurance claims, the relevant activities of the scheme shall be separately
managed and accounted for to ensure that the respective interests of life and non-life
insurance claimants are not prejudiced by any cross-subsidisation.
(zdroj: http://ec.europa.eu/internal_market/insurance/legis-inforce_en.htm)
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