EUROPA - EU law and publications - EUR-Lex - EUR-Lex - 62009CA0236 - EN - Case C-236/09: Judgment of the Court (Grand Chamber) of 1 March 2011 (reference for a preliminary ruling from the Cour constitutionnelle (Belgium)) — Association Belge des Consommateurs Test-Achats ASBL, Yann van Vugt, Charles Basselier v Conseil des ministres (Reference for a preliminary ruling — Fundamental rights — Combating discrimination — Equal treatment for men and women — Access to and supply of goods and services — Insurance premiums and benefits — Actuarial factors — Sex as a factor in the assessment of insurance risks — Private life assurance contracts — Directi ...[+++]ve 2004/113/EC — Article 5(2) — Derogation not subject to any temporal limitation — Charter of Fundamental Rights of the European Union — Articles 21 and 23 — Invalidity) // Judgment of the Court (Grand Chamber) of 1 March 2011 (reference for a preliminary ruling from the Cour constitutionnelle (Belgium)) — Association Belge des Consommateurs Test-Achats ASBL, Yann van Vugt, Charles Basselier v Conseil des ministres // (Case C-236/09) - ( // (Reference for a preliminary ruling - Fundamental rights - Combating discrimination - Equal treatment for men and women - Access to and supply of goods and services - Insurance premiums and benefits - Actuarial factors - Sex as a factor in the assessment of insurance risks - Private life assurance contracts - Directive 2004/113/EC - Article 5(2) - Derogation not subject to any temporal limitation - Charter of Fundamental Rights of the European Union - Articles 21 and 23 - Invalidity)

SK: commercial presence is required for supply of: the life insurance of persons with permanent residence in the Slovak Republic,the insurance of property on the territory of the Slovak Republic,the insurance of liability for loss or damage caused by the activity of natural persons and juridical persons on the territory of the Slovak Republic,air and maritime insurance, covering goods, aircraft, hull and liability.SE: the supply of direct insurance is allowed only through an insurance service supplier authorised in Sweden, provided th ...[+++]at the foreign service supplier and the Swedish insurance company belong to the same group of companies or have an agreement of cooperation between them.

| SK: Commercial presence is required for supply of: the life insurance of persons with permanent residence in the Slovak Republic,the insurance of property on the territory of the Slovak Republic,the insurance of liability for loss or damage caused by the activity of natural persons and juridical persons on the territory of the Slovak Republic,air and maritime insurance, covering goods, aircraft, hull and liability.

Examples of such efficiencies are found in the banking and insurance sectors, which are characterised by frequent exchanges of information about consumer defaults and risk characteristics.

Other direct insurance covers all other forms of casualty insurance. Included are term life insurance; accident and health insurance (unless these are provided as part of government social security schemes); marine, aviation and other transport insurance; fire and other property damage; pecuniary loss insurance; general liability insurance; and other insurance, such as travel insurance and insurance related to loans and credit cards.

Other direct insurance covers all other forms of casualty insurance. Included are term life insurance; accident and health insurance (unless these are provided as part of government social security schemes); marine, aviation and other transport insurance, fire and other property damage, pecuniary loss insurance, general liability insurance and other insurance, such as travel insurance and insurance related to loans and credit cards.