A.Insurance and insurance-related services1.EE: Compulsory social security services are not committed.2.LV: (i), (ii) (3): As a general rule and in non-discriminatory manner, insurance institutions incorporated in Latvia must adopt a specific legal form.3.LV: (iii) (3): Intermediary can be only natural person (no nationality requirement) and can provide service on behalf of insurance company having the authorisation from Insurance Supervisory Authority in Latvia.4.LT: All subsectors: Insurance companies are not allowed to provide both ...[+++] life and non-life insurance.

| 3.AT: The licence for branch offices of foreign insurers has to be denied if the insurer, in the home country, does not have a legal form corresponding or comparable to a joint stock company or a mutual insurance association.CZ: None other than: Foreign financial services suppliers may establish an insurance company with the seat in the Czech Republic in the form of a joint stock company or may exercise insurance activity through their branches with registered office in the Czech Republic under the conditions established in the Insu ...[+++]rance Industry Act.Commercial presence and authorisation is required for the provider of insurance services:to provide such services including reinsurance, andto conclude intermediation contract with an intermediary aimed at the conclusion of insurance contract between the provider of insurance services and third party.

Similarly housing, where single parent families, mainly women, face greater difficulties than men in renting accommodation and, of course, the insurance sector, mainly the car insurance, life assurance and pension sectors, as well as health insurance.

(8) The European Insurance and Occupational Pensions Committee should be competent to examine any question relating to the application of Community provisions concerning the fields of insurance and occupational pensions, and, in particular, should advise the Commission on new proposals for new legislation in those fields which the Commission intends to present to the European Parliament and the Council; however in the occupational pensions field, the European Insurance and Occupational Pensions Committee should not address labour and social law aspects such as the organisation ...[+++] of occupational regimes, in particular compulsory membership and the results of collective bargaining agreements,

Although the internal market in insurance has been completed as regards insurance undertakings, especially concerning the prudential rules, insurance intermediaries continue to be confronted with several obstacles which prevent them from taking full advantage of the freedoms of the Treaty.

5. Recommends that the Commission take active steps to secure an informed public debate of its report, in which as well as the insurance industry, consumer organisations, the academic community (especially those who have substantial research achievements in the economics of insurance and insurance law) and other concerned groups in civil society are actively engaged in the process of consultation and further discussion, with a view to the Commission's bringing forward prop ...[+++]osals for an enhanced regulation similar in purport to Regulation (EEC) No 3932/92 in time for the 2003 legislative process;