General

• 1 Accident
  Accident (including industrial injury and occupational diseases)
  - fixed pecuniary benefits
  - benefits in the nature of indemnity
  - combinations of the two
  - injury to passengers
• 1* Accident – accident insurance of passengers in public transport excluded
  Accident (including industrial injury and occupational diseases)
  -  fixed pecuniary benefits
  -  benefits in the nature of indemnity
  -  combinations of the two
• 2 Sickness
  - fixed pecuniary benefits
  - benefits in the nature of indemnity
  - combinations of the two
• 3 Land vehicles

  Land vehicles (other than railway rolling stock)

  All damage to or loss of
  - land motor vehicles
  - land vehicles other than motor vehicles

• 4 Railway rolling stock
  All damage to or loss of railway rolling stock
• 5 Aircraft
  All damage to or loss of aircraft
• 6 Ships

  Ships (sea, lake and river and canal vessels)

  All damage to or loss of

  - river and canal vessels
  - lake vessels
  - sea vessels

• 7 Goods in transit

  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

• 8 Fire and natural forces
  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
• 9 Other damage to property
  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
• 10 Motor vehicle liability
  All liability arising out of the use of motor vehicles operating on the land (including carrier's liability)
• 10* Motor vehicle liability – carrier's liability only
  All liability arising out of the use of motor vehicles operating on the land (carrier's liability only)
• 11 Aircraft liability
  All liability arising out of the use of aircraft (including carrier's liability)
• 12 Liability for ships

  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)

• 12* Liability for ships – carrier's liability only
  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)
• 13 General liability
  All liability other than those forms mentioned under Nos 10, 11 and 12
• 14 Credit
  - insolvency (general)
  - export credit
  - instalment credit
  - mortgages
  - agricultural credit
• 15 Suretyship
  - suretyship(direct)
  - suretyship(indirect)
• 16 Miscellaneous financial loss
  - 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
• 17 Legal expenses
  Legal expenses and costs of litigation
• 18 Assistance
  Assistance for persons who get into difficulties while travelling, while away from home or while away from their permanent residence
• 19 Life and Annuity
  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.
• 20 Marriage and birth
  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.
• 21 Linked long term
  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).
• 22 Tontines
  Effecting or carrying out tontines
• 23 Capital redemption
  Effecting or carrying out capital redemption contracts
• 24 Permanent health

  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.

• Cl Collective insurance
  Effecting and carrying out contracts of a kind referred to in Article 2 (3) (b) (v) of Directive 2009/138/EC
• PM1 Pension fund management
  Effecting or carrying out
  (a)    pension fund management contracts; or
  (b)   contracts of the kind mentioned in (a) that are combined with contracts of insurance covering either conservation of capital or payment of a minimum interest.

Legal expenses

• a a

  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 in another undertaking having financial, commercial or administrative links with the first insurance undertaking and pursuing one or more of the other classes of insurance set out in Annex I of the Directive 2009/138/EC.

  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 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 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.

Supplementary pension insurance

• PM2 Supplementary pension insurance
  Notwithstanding the provision of the first paragraph in Article 26 of Insurance Act, an insurance undertaking conducting insurance business in the life assurance group may, pursuant to the Act governing pension funds, also engage in the management of pension funds if it meets the conditions stipulated by the aforementioned act.

Reinsurances

• PP Non-life reinsurance
  Non-life reinsurance
• ŽP Life reinsurance
  Life reinsurance