Insurance from several insurance types are in the following groups of classes:
– fixed pecuniary benefits
– benefits in the nature of indemnity
– combinations of the two
– injury to passengers
Accident (including industrial injury and occupational diseases)
– fixed pecuniary benefits
– benefits in the nature of indemnity
– combinations of the two
– fixed pecuniary benefits
– benefits in the nature of indemnity
– combinations of the two
All damage to or loss of
– land motor vehicles
– land vehicles other than motor vehicles
All damage to or loss of
– river and canal vessels
– lake vessels
– sea vessels
Goods in transit (including merchandise, baggage, and all other goods).
All damage to or loss of goods in transit or baggage, irrespective of the form of transport.
All damage to or loss of property (other than property included in classes 3, 4, 5, 6 and 7) due to
– fire
– explosion
– storm
– natural forces other than storm
– nuclear energy
– land subsidence
All damage to or loss of property (other than property included in classes 3, 4, 5, 6 and 7) due to hail or frost, and any event such as theft, other than those mentioned under 8
All liability arising out of the use of motor vehicles operating on the land (including carrier’s liability)
All liability arising out of the use of motor vehicles operating on the land (carrier’s liability only)
All liability arising out of the use of aircraft (including carrier’s liability)
Liability for ships (sea, lake and river and canal vessels)
All liability arising out of the use of ships, vessels or boats on the sea, lakes, rivers or canals (including carrier’s liability)
Liability for ships (sea, lake and river and canal vessels)
All liability arising out of the use of ships, vessels or boats on the sea, lakes, rivers or canals (carrier’s liability only)
– insolvency (general)
– export credit
– instalment credit
– mortgages
– agricultural credit
– employment risks
– insufficiency of income (general)
– bad weather
– loss of benefits
– continuing general expenses
– unforeseen trading expenses
– loss of market value
– loss of rent or revenue
– indirect trading losses other than those mentioned above
– other financial loss (non-trading)
– other forms of financial loss
Assistance for persons who get into difficulties while travelling, while away from home or while away from their permanent residence
Effecting and carrying out contracts of insurance on human life or contracts to pay annuities on human life, but excluding (in each case) contracts within class 21.
Effecting or carrying out contracts of insurance to provide a sum on marriage or on the birth of a child, being contracts expressed to be in effect for a period of more than one year.
Effecting or carrying out contracts of insurance on human life or contracts to pay annuities on human life where the benefits are wholly or partly to be determined by reference to the value of, or the income from, property of any description (whether or not specified in the contracts) or by reference to fluctuation in, or in an index of, the value of property of any description (whether or not so specified).
Effecting and carrying out contracts of insurance providing specified benefits against risks of persons becoming incapacitated in consequence of sustaining injury as the result of the accident or of an accident of a specified class or of sickness or infirmity being contracts that:
– are expressed to be in effect for a period of not less than 5 years, or until the normal retirement age for the persons concerned or without limit of time; and
– either are not expressed to be terminable by insurer, or are expressed to be so terminable only in special circumstances mentioned in the contract.
Composite insurance undertakings shall ensure that no member of the staff who is concerned with the management of legal expenses claims or with legal advice in respect thereof pursues at the same time a similar activity for another class transacted by them.
b The insurance undertaking shall entrust the management of claims in respect of legal expenses insurance to an undertaking having separate legal personality. That undertaking shall be mentioned in the separate contract or separate section referred to in Article 199 of the Directive 2009/138/EC.
Where the undertaking having separate legal personality has links to an insurance undertaking which carries on one or more of the classes of insurance referred to in Part A of Annex I of the Directive 2009/138/EC, members of the staff of the undertaking having separate legal personality who are concerned with the management of claims or with legal advice connected with such management shall not pursue the same or a similar activity in the other insurance undertaking at the same time. Member States may impose the same requirements on the members of the administrative, management or supervisory body.
c The contract shall provide that the insured persons may instruct a lawyer of their choice or, to the extent that national law so permits, any other appropriately qualified person, from the moment that those insured persons have a claim under that contract.
