co-insurance clause [ co-insurance | coinsurance clause | average clause | condition of average | rule of apportionment | average conditions ]

benefit of insurance clause [ clause assigning benefit of insurance ]

insuring agreement | insurance clause

joint insured clause

Aviation Insurance Clauses Group | AICG [Abbr.]

other insurance clause

health proviso | health insurance restriction

own damage restricted to collision | collision coverage | collision insurance

clauses on the insured risks

In addition, as with the imposition of standard clauses or minimum conditions in insurance policies, the rigid application of such rules by the host Member State may have a restrictive effect on insurance undertakings operating under the rules on establishment or under the freedom to provide services since they would be prevented from marketing insurance policies already correctly used in their home Member State without such excesses.

Where there is a legal requirement on insurers to include in policies cover for risks to which a significant number of policyholders are not simultaneously exposed, then the inclusion in an non-binding model contract of a standard clause reflecting such a legal requirement does not constitute a restriction of competition and falls outside the scope of Article 81(1) of the Treaty.

Such cooperation will in particular focus on the following: (a) market access and liberalization of trade, the study and stablishment of programmes for the reciprocal liberalization of trade, in particular the timetable and structure of negotiations, transitional periods, etc.; (b)tariff and non-tariff barriers, quantitative restrictions on imports and exports and measures having equivalent effect: analyses, studies and management, including quotas, administrative standards applied to external trade, anti-dumping duties, safeguard clauses, technical standards, health and plant health standards, mutual recognition of certification system ...[+++]s, etc; (c)the Parties' tariff structure; (d)compatibility of trade liberalization with WTO rules; (e)identification of potential tariff reductions and elimination of quasi-tariff measures; (f)definition of sensitive products and products given priority by the Parties; (g)cooperation and exchange of information as regards the rendering of services, within the Parties' respective areas of responsibility, on transport, insurance and financial services; (h)monitoring of practices restricting competition; (i)rules of origin which promote the use of regional inputs with a view to encouraging integration.

(d) the operation of a term of the contract (penalty clause, termination clause, force majeure clause, etc.) restricting the rights of the insured in some unusual way.