4 Member States shall take all necessary measures to protect customers against the inability of the insurance intermediary to transfer the premium to the insurance undertaking or to transfer the amount of claim or return premium to the insured.

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 — 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) // 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)

The provision by governments (or special institutions controlled by governments) of export credit guarantee or insurance programmes, of insurance or guarantee programmes against increases in the cost of exported products or of exchange risk programmes, at premium rates which are inadequate to cover the long-term operating costs and losses of the programmes.

21. Notes that the system has been operating satisfactorily in several Member States and calls on the Commission to present a more detailed analysis, based on selected uniform risks (e.g. hail, drought, storms) and with reference to the same crops (e.g. corn, maize, rape), of benefits provided, costs and competition among private insurers in respect of insurance against natural disasters and animal diseases, and to compare these with the costs currently incurred and compen ...[+++]sation provided by national and European public authorities;

21. Notes that the system has been operating satisfactorily in several Member States and calls on the Commission to present a more detailed analysis, based on selected uniform risks (e.g. hail, drought, storms) and with reference to the same crops (e.g. corn, maize, rape), of benefits provided, costs and competition among private insurers in respect of insurance against natural disasters and animal diseases, and to compare these with the costs currently incurred and compen ...[+++]sation provided by national and European public authorities;

4. Member States shall take all necessary measures to protect customers against the inability of the insurance intermediary to transfer the premium to the insurance undertaking or to transfer the amount of claim or return premium to the insured.