Ds 2017:17
En ny lag om försäkringsdistribution
En ny lag om försäkringsdistribution
D s 2 017 :17
En n y l ag om för
sä kri ng sd ist rib ution
En ny lag om försäkringsdistribution
SOU och Ds kan köpas från Wolters Kluwers kundservice. Beställningsadress: Wolters Kluwers kundservice, 106 47 Stockholm Ordertelefon: 08-598 191 90 E-post: kundservice@wolterskluwer.se Webbplats: wolterskluwer.se/offentligapublikationer
För remissutsändningar av SOU och Ds svarar Wolters Kluwer Sverige AB på uppdrag av Regeringskansliets förvaltningsavdelning.
Svara på remiss – hur och varför Statsrådsberedningen, SB PM 2003:2 (reviderad 2009-05-02).
En kort handledning för dem som ska svara på remiss. Häftet är gratis och kan laddas ner som pdf från eller beställas på regeringen.se/remisser
Omslag: Regeringskansliets standard Tryck: Elanders Sverige AB, Stockholm 2017
ISBN 978-91-38-24611-5 ISSN 0284-6012


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%LODJD

DIREKTIV
EUROPAPARLAMENTETS OCH RÅDETS DIREKTIV (EU) 2016/97
av den 20 januari 2016
om försäkringsdistribution (omarbetning)
(Text av betydelse för EES)
EUROPAPARLAMENTET OCH EUROPEISKA UNIONENS RÅD HAR ANTAGIT DETTA DIREKTIV
med beaktande av fördraget om Europeiska unionens funktionssätt, särskilt artiklarna 53.1 och 62,
med beaktande av Europeiska kommissionens förslag,
efter översändande av utkastet till lagstiftningsakt till de nationella parlamenten,
med beaktande av Europeiska ekonomiska och sociala kommitténs yttrande (1),
i enlighet med det ordinarie lagstiftningsförfarandet (2), och
av följande skäl:
(1)
Flera ändringar behöver göras av Europaparlamentets och rådets direktiv 2002/92/EG (3). Det direktivet bör av
tydlighetsskäl omarbetas.
(2)
Eftersom omarbetningens huvudsakliga mål och syfte är att harmonisera nationella bestämmelser avseende
försäkrings- och återförsäkringsdistribution, och eftersom dessa verksamheter bedrivs inom hela unionen bör detta
nya direktiv baseras på artiklarna 53.1 och 62 i fördraget om Europeiska unionens funktionssätt (EUF-fördraget). Ett
direktiv är en lämplig regleringsform för att genomförandebestämmelserna på de områden som omfattas av detta
direktiv vid behov ska kunna anpassas till eventuella särdrag hos den enskilda marknaden och rättssystemet i varje
medlemsstat. Detta direktiv bör också syfta till att samordna nationella bestämmelser om tillträde till verksamheter
inom försäkrings- och återförsäkringsdistribution.
(3)
Detta direktiv har emellertid som mål att uppnå en minimigrad av harmonisering och bör därför inte hindra
medlemsstaterna från att behålla eller införa strängare bestämmelser för att skydda kunderna, förutsatt att sådana
bestämmelser står i överensstämmelse med unionsrätten, inbegripet detta direktiv.
(4)
Försäkrings- och återförsäkringsförmedlare spelar en central roll vid distribution av försäkrings- och återförsäk-
ringsprodukter i unionen.
(5)
Olika slag av personer eller institut, som agenter, mäklare och utförare av bankassurans, försäkringsföretag, resebyråer
och biluthyrningsföretag, kan distribuera försäkringsprodukter. För att aktörerna ska behandlas lika och hänsyn ska
kunna tas till kundskyddet bör alla dessa personer eller institut omfattas av detta direktiv.
(6)
Konsumenterna bör åtnjuta samma skyddsnivå oberoende av skillnader mellan olika distributionskanaler. För att
garantera att en och samma skyddsnivå tillämpas genomgående och att konsumenten kan dra nytta av jämförbara
normer, särskilt vad avser lämnande av information, är lika villkor för alla distributörer mycket viktigt.
(7)
Tillämpningen av direktiv 2002/92/EG har visat att ett antal bestämmelser behöver preciseras ytterligare för att
möjliggöra utövandet av försäkringsdistribution och att skyddet för konsumenter förutsätter att direktivets
tillämpningsområde utvidgas till att omfatta all försäljning av försäkringsprodukter. Försäkringsföretag som
direktförsäljer försäkringsprodukter bör ingå i det här direktivets tillämpningsområde på liknande grund som
försäkringsagenter och försäkringsmäklare.
2.2.2016
SV
Europeiska unionens officiella tidning
L 26/19
(1)
EUT C 44, 15.2.2013, s. 95.
(2)
Europaparlamentets ståndpunkt av den 24 november 2015 (ännu ej offentliggjord i EUT) och rådets beslut av den 14 december
2015.
(3)
Europaparlamentets och rådets direktiv 2002/92/EG av den 9 december 2002 om försäkringsförmedling (EGT L 9, 15.1.2003, s. 3).
%LODJD

(8)
För att garantera samma nivå av skydd oberoende av den kanal genom vilken kunder köper en försäkringsprodukt,
antingen direkt av ett försäkringsföretag eller indirekt av en förmedlare, bör detta direktivs tillämpningsområde inte
bara omfatta försäkringsföretag eller försäkringsförmedlare utan också andra marknadsaktörer som har försäljning
av försäkringsprodukter som sidoverksamhet, såsom resebyråer och biluthyrningsföretag, såvida de inte uppfyller
villkoren för att undantas.
(9)
Det finns fortfarande avsevärda skillnader mellan de nationella bestämmelserna, vilket utgör hinder för att inleda och
bedriva försäkrings- och återförsäkringsdistribution på den inre marknaden. Det finns ett behov av att ytterligare
stärka den inre marknaden och främja en verklig inre marknad för produkter och tjänster inom liv- och
skadeförsäkring.
(10)
Den senaste tidens turbulens på finansmarknaderna visar betydelsen av att säkerställa ett effektivt konsumentskydd
på alla finansiella områden. Det är därför lämpligt att stärka konsumenternas förtroende och göra lagstiftningen om
distribution av försäkringsprodukter mer enhetlig i syfte att uppnå ett tillfredsställande konsumentskydd inom hela
unionen. Nivån på konsumentskyddet bör höjas jämfört med direktiv 2002/92/EG för att minska behovet av olika
nationella åtgärder. Det är viktigt att ta hänsyn till försäkringsavtalens särdrag jämfört med investeringsprodukter
som regleras genom Europaparlamentets och rådets direktiv 2014/65/EU (1). Distributionen av försäkringsavtal,
även försäkringsbaserade investeringsprodukter, bör därför regleras enligt detta direktiv och anpassas till
direktiv 2014/65/EU. Miniminormerna bör höjas när det gäller distributionsregler och lika villkor bör skapas
avseende samtliga försäkringsbaserade investeringsprodukter.
(11)
Detta direktiv bör tillämpas på personer vars verksamhet består i att tillhandahålla försäkrings- eller
återförsäkringsdistributionstjänster till tredje man.
(12)
Detta direktiv bör tillämpas på personer vars verksamhet består i tillhandahållande av information om ett eller flera
försäkringsavtal som ett svar på kriterier som en kund valt ut på en webbplats eller via andra medier, eller av
rangordning av försäkringsprodukter eller av en rabatt på en försäkringspremie, när kunden vid slutet av processen
direkt eller indirekt kan ingå ett försäkringsavtal. Detta direktiv bör inte tillämpas på webbplatser som förvaltas av
offentliga myndigheter eller konsumentorganisationer, som inte avser att ingå något avtal utan bara jämför
försäkringsprodukter som finns att tillgå på marknaden.
(13)
Detta direktiv bör inte tillämpas på verksamhet som består i att enbart lägga fram data och information om
presumtiva försäkringstagare för försäkrings- eller återförsäkringsförmedlare eller försäkrings- eller återförsäkrings-
företag, eller information om försäkrings- eller återförsäkringsprodukter eller om försäkrings- eller återförsäkrings-
förmedlare eller försäkrings- eller återförsäkringsföretag för presumtiva försäkringstagare.
(14)
Detta direktiv bör inte tillämpas på personer med annan yrkesverksamhet, t.ex. skatteexperter, revisorer eller jurister,
som då och då ger råd om försäkringsskydd inom ramen för denna andra yrkesverksamhet, eller på tillhandahållande
som avser endast allmän information om försäkringsprodukter, förutsatt att denna verksamhet inte syftar till att
bistå kunden med att ingå eller fullgöra ett försäkrings- eller återförsäkringsavtal. Detta direktiv bör inte tillämpas på
yrkesmässig handläggning av skador för ett försäkrings- eller återförsäkringsföretags räkning, och inte heller på
värdering och reglering av skador.
(15)
Detta direktiv bör inte tillämpas på personer som bedriver försäkringsdistribution som sidoverksamhet om premien
inte överstiger ett visst belopp och de risker som omfattas är begränsade. En sådan försäkring kan komplettera en
vara eller en tjänst, även med avseende på risken att tjänster som förväntas utnyttjas vid en viss tidpunkt inte
utnyttjas, såsom tågresor, gymabonnemang eller säsongskort för teater, och andra risker med anknytning till resor,
såsom avbeställningsskydd eller förlust av bagage. För att säkerställa att ett tillräckligt konsumentskydd alltid är
kopplat till den verksamhet som försäkringsdistribution utgör, bör emellertid försäkringsföretag eller försäkrings-
förmedlare som bedriver sin distributionsverksamhet via en försäkringsförmedlare som bedriver förmedling som
sidoverksamhet som är undantagen från kraven i detta direktiv, se till att vissa grundläggande villkor är uppfyllda –
såsom angivande av identitet och det sätt på vilket klagomål kan lämnas in – och att kundens krav och behov
beaktas.
L 26/20
SV
Europeiska unionens officiella tidning
2.2.2016
(1)
Europaparlamentets och rådets direktiv 2014/65/EU av den 15 maj 2014 om marknader för finansiella instrument och om ändring
av direktiv 2002/92/EG och av direktiv 2011/61/EU (EUT L 173, 12.6.2014, s. 349).
%LODJD

(16)
Detta direktiv bör säkerställa att en och samma konsumentskyddsnivå tillämpas och att alla konsumenter omfattas
av jämförbara normer. Detta direktiv bör främja lika villkor och likvärdiga konkurrensvillkor för alla förmedlare
oavsett om dessa är knutna till ett försäkringsföretag eller inte. Det är till fördel för konsumenterna om
försäkringsprodukter distribueras via flera olika kanaler och via förmedlare med olika former av samarbete med
försäkringsföretag, förutsatt att de är skyldiga att tillämpa jämförbara bestämmelser om konsumentskydd.
Medlemsstaterna bör ta sådana hänsyn vid genomförandet av detta direktiv.
(17)
I detta direktiv bör skillnaderna mellan de olika typerna av distributionskanaler beaktas. Det bör till exempel tas
hänsyn till särdragen hos de försäkringsförmedlare som är avtalsenligt förpliktade att bedriva försäkringsdistribu-
tionsverksamhet uteslutande för ett eller flera försäkringsföretag (anknutna försäkringsförmedlare) som finns på
vissa medlemsstaters marknader, och det bör i direktivet fastställas ändamålsenliga och proportionerliga villkor för
de olika typerna av distribution. I synnerhet bör medlemsstaterna ha rätt att stipulera att den försäkrings- eller
återförsäkringsdistributör som är ansvarig för den verksamhet som en viss försäkrings- eller återförsäkrings-
förmedlare eller försäkringsförmedlare som bedriver förmedling som sidoverksamhet bedriver ska säkerställa att en
sådan förmedlare uppfyller kraven för registrering samt ombesörja den registreringen.
(18)
Försäkrings- och återförsäkringsförmedlare samt försäkringsförmedlare som bedriver förmedling som sidoverk-
samhet som är fysiska personer bör registreras vid den behöriga myndigheten i den medlemsstat där de har sin
hemvist. När det gäller sådana personer som dagligen pendlar mellan den medlemsstat där de har sin privata hemvist
och den medlemsstat från vilken de bedriver sin distributionsverksamhet (dvs. deras yrkesmässiga hemvist) bör
registreringen ske i den medlemsstat där de har sin yrkesmässiga hemvist. Försäkrings- och återförsäkrings-
förmedlare samt försäkringsförmedlare som bedriver förmedling som sidoverksamhet som är juridiska personer bör
registreras vid den behöriga myndigheten i den medlemsstat där de har sitt säte eller, om de enligt nationell rätt inte
har något säte, sitt huvudkontor. Medlemsstaterna bör ha rätt att låta andra organ samarbeta med de behöriga
myndigheterna i samband med registreringen och regleringen av försäkringsförmedlare. Försäkrings- och
återförsäkringsförmedlare samt försäkringsförmedlare som bedriver förmedling som sidoverksamhet bör registreras
förutsatt att de uppfyller ställda yrkeskrav rörande kompetens, god vandel, skydd genom ansvarsförsäkring och
ekonomiska resurser. Förmedlare som redan är registrerade i medlemsstaterna bör inte få krav på sig att registreras
på nytt enligt detta direktiv.
(19)
Att försäkringsförmedlare inte fritt kan bedriva verksamhet i hela unionen gör att den inre marknaden för
försäkringar inte fungerar väl. Detta direktiv är ett viktigt steg mot en högre nivå på konsumentskyddet och
marknadsintegrationen.
(20)
Försäkrings- och återförsäkringsförmedlare samt försäkringsförmedlare som bedriver förmedling som sidoverk-
samhet bör kunna utnyttja etableringsfriheten och friheten att tillhandahålla tjänster, vilka har fastställts i EUF-
fördraget. Försäkrings- och återförsäkringsförmedlare samt försäkringsförmedlare som bedriver förmedling som
sidoverksamhet som är registrerade i sin hemmedlemsstat bör således tillåtas att bedriva verksamhet i andra
medlemsstater i enlighet med principerna om etableringsfrihet och friheten att tillhandahålla tjänster, under
förutsättning att lämpliga anmälningsförfaranden har följts de behöriga myndigheterna emellan.
(21)
För att säkerställa högkvalitativa tjänster och ett ändamålsenligt konsumentskydd bör hem- och värdmedlems-
staterna samarbeta nära för att upprätthålla de skyldigheter som fastställs i detta direktiv. I fall där försäkrings- och
återförsäkringsförmedlare eller försäkringsförmedlare som bedriver förmedling som sidoverksamhet bedriver
verksamhet i olika medlemsstater enligt friheten att tillhandahålla tjänster, bör den behöriga myndigheten i
hemmedlemsstaten ansvara för fullgörandet på den inre marknaden av de skyldigheter som fastställs i detta direktiv
med avseende på hela verksamheten. Om den behöriga myndigheten i en värdmedlemsstat inom sitt territorium
upptäcker fall av bristande fullgörande av skyldigheterna bör den informera hemmedlemsstatens behöriga
myndighet, som då i sin tur bör vara skyldig att vidta erforderliga åtgärder. Ett sådant fall gäller i synnerhet bristande
efterlevnad av bestämmelserna om krav på god vandel, yrkeskunskap och kompetens eller uppförande. Vidare bör
den behöriga myndigheten i värdmedlemsstaten ha rätt att vidta åtgärder om hemmedlemsstaten underlåter att vidta
erforderliga åtgärder eller om de åtgärder som vidtas är otillräckliga.
(22)
I fall av etablering av filial eller permanent närvaro i en annan medlemsstat är det lämpligt att fördela ansvaret för
upprätthållande mellan hem- och värdmedlemsstaterna. Medan den behöriga myndigheten i hemmedlemsstaten bör
ansvara för fullgörandet av de skyldigheter som berör verksamheten som helhet – såsom bestämmelserna om
2.2.2016
SV
Europeiska unionens officiella tidning
L 26/21
%LODJD

yrkeskrav – enligt samma system som för tillhandahållande av tjänster, bör den behöriga myndigheten
i värdmedlemsstaten ansvara för upprätthållandet av bestämmelserna om informationskrav och uppförande med
avseende på de tjänster som tillhandahålls inom dess territorium. Om den behöriga myndigheten i en
värdmedlemsstat emellertid inom sitt territorium upptäcker fall av bristande fullgörande av skyldigheter för vilkas
upprätthållande detta direktiv inte tilldelar värdmedlemsstaten ansvaret, bör den informera hemmedlemsstatens
behöriga myndighet, som då i sin tur bör vara skyldig att vidta erforderliga åtgärder. Ett sådant fall gäller i synnerhet
bristande efterlevnad av bestämmelserna om krav på god vandel, yrkeskunskap och kompetens. Vidare bör den
behöriga myndigheten i värdmedlemsstaten ha rätt att vidta åtgärder om hemmedlemsstaten underlåter att vidta
erforderliga åtgärder eller om de åtgärder som vidtas är otillräckliga.
(23)
Medlemsstaternas behöriga myndigheter bör ha tillgång till de medel som krävs för att säkerställa att försäkrings-
och återförsäkringsförmedlare samt försäkringsförmedlare som bedriver förmedling som sidoverksamhet bedriver
sin verksamhet på ett korrekt sätt inom hela unionen, oavsett om denna verksamhet utövas i enlighet med
etableringsfriheten eller i enlighet med friheten att tillhandahålla tjänster. För att tillsynen ska bli ändamålsenlig bör
alla åtgärder som de behöriga myndigheterna vidtar stå i proportion till arten och omfattningen av samt
komplexiteten hos de inneboende riskerna i en särskild distributörs verksamhet, oberoende av den betydelse den
berörda distributören har för den övergripande finansiella stabiliteten på marknaden.
(24)
Medlemsstaterna bör inrätta ett enda informationsställe som ger försäkrings- och återförsäkringsförmedlare samt
försäkringsförmedlare som bedriver förmedling som sidoverksamhet tillgång till deras register. Det enda
informationsstället bör även inbegripa en länk till varje relevant behörig myndighet i varje medlemsstat. För att
öka öppenheten och underlätta gränsöverskridande handel bör Europeiska försäkrings- och tjänstepensionsmyndig-
heten (Eiopa), inrättad genom Europaparlamentets och rådets förordning (EU) nr 1094/2010 (1), upprätta och
offentliggöra samt hålla uppdaterad en gemensam elektronisk databas med uppgifter om varje försäkrings- och
återförsäkrings- förmedlare samt försäkringsförmedlare som bedriver förmedling som sidoverksamhet som har
anmält en avsikt att utöva sin etableringsfrihet eller sin frihet att tillhandahålla tjänster. Medlemsstaterna bör
skyndsamt ge Eiopa relevant information så att myndigheten kan utföra denna uppgift. Databasen bör innehålla en
länk till varje relevant behörig myndighet i varje medlemsstat. Varje behörig myndighet i medlemsstaterna bör på sin
webbplats tillhandahålla en länk till denna databas.
(25)
Varje förmedlare som är permanent närvarande på en annan medlemsstats territorium och som är likvärdig med en
filial bör behandlas på samma sätt som en filial, såvida inte förmedlaren lagligen etablerar närvaro i en annan juridisk
form. Detta skulle, beroende på ytterligare omständigheter, också kunna vara fallet om närvaron inte formellt antar
formen av en filial utan bara består av ett kontor förvaltat antingen av förmedlarens egen personal eller av en person
som är oberoende men som har stående fullmakt att handla för förmedlarens räkning på samma sätt som en agentur.
(26)
I detta direktiv bör det klart fastställas respektive rättigheter och skyldigheter för hem- och värdmedlemsstater i fråga
om tillsyn av försäkrings- och återförsäkringsförmedlare samt försäkringsförmedlare som bedriver förmedling som
sidoverksamhet som är registrerade hos dem eller som bedriver försäkrings- eller återförsäkringsdistributions-
verksamhet på deras territorium i enlighet med etableringsfriheten eller friheten att tillhandahålla tjänster.
(27)
För att kunna hantera situationer där en försäkringsförmedlare eller en försäkringsförmedlare som bedriver
förmedling som sidoverksamhet är etablerad i en medlemsstat med enda syfte att kringgå bestämmelserna i en
annan medlemsstat, i vilken förmedlaren bedriver all sin verksamhet eller sin huvudsakliga verksamhet, kan det vara
lämpligt att låta det vara möjligt för värdmedlemsstaten att vidta säkerhetsåtgärder om dess verksamhet allvarligt
äventyrar försäkrings- och återförsäkringsmarknadens funktionssätt i värdmedlemsstaten, och detta direktiv bör
således inte förhindra sådana åtgärder. Sådana åtgärder bör emellertid inte utgöra hinder för friheten att
tillhandahålla tjänster och etableringsfriheten och inte heller begränsa möjligheterna till gränsöverskridande
verksamhet.
(28)
Det är viktigt att garantera en hög nivå av yrkeskunskap och kompetens hos försäkrings- och återförsäkrings-
förmedlare samt försäkringsförmedlare som bedriver förmedling som sidoverksamhet och sådana anställda hos
försäkrings- och återförsäkringsföretag som är involverade i det förberedande arbetet inför och arbetet under och
efter försäljningen av en försäkring och återförsäkring. Yrkeskunskapen hos förmedlare och försäkringsförmedlare
L 26/22
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Europeiska unionens officiella tidning
2.2.2016
(1)
Europaparlamentets och rådets förordning (EU) nr 1094/2010 av den 24 november 2010 om inrättande av en europeisk
tillsynsmyndighet (Europeiska försäkrings- och tjänstepensionsmyndigheten), om ändring av beslut nr 716/2009/EG och om
upphävande av kommissionens beslut 2009/79/EG (EUT L 331, 15.12.2010, s. 48).
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som bedriver förmedling som sidoverksamhet och anställda hos försäkrings- och återförsäkringsföretag måste
således motsvara graden av komplexitet i dessa verksamheter. Försäkringsförmedlare som bedriver förmedling som
sidoverksamhet bör vara skyldiga att känna till villkoren i de försäkringar som de distribuerar samt, i tillämpliga fall,
bestämmelserna om skadereglering och hantering av klagomål.
(29)
Fortlöpande utbildning och utveckling bör säkerställas. Sådan utbildning och utveckling skulle kunna inbegripa olika
typer av möjligheter till underlättat lärande, inklusive kurser, e-lärande och mentorsverksamhet. Frågor som gäller
form, innehåll och erforderliga intyg eller andra ändamålsenliga bevis, såsom införande i register eller godkänt
fullgörande av ett prov, bör regleras av medlemsstaterna.
(30)
Kraven på god vandel bidrar till en sund och tillförlitlig försäkringssektor och till att målet om ett adekvat skydd för
försäkringstagarna uppnås. Dessa krav omfattar avsaknad av anmärkningar i belastningsregister eller andra
nationella motsvarigheter i förhållande till vissa brott, såsom brott enligt tillämplig lagstiftning om finansiella
tjänster, oredlighet, bedrägeri eller ekonomisk brottslighet och andra brott enligt gällande bolagsrätt, konkursrätt
eller insolvensrätt.
(31)
Det är lika viktigt att de relevanta personer i ledningsstrukturen hos försäkrings- och återförsäkringsförmedlare eller
försäkringsförmedlare som bedriver förmedling som sidoverksamhet som är involverade i distributionen av
försäkrings- eller återförsäkringsprodukter samt de relevanta anställda hos en försäkrings- eller återförsäkrings-
distributör vilka är direkt involverade i försäkrings- eller återförsäkringsdistribution besitter lämplig kunskap och
kompetens när det gäller distributionsverksamheten. Den lämpliga kunskaps- och kompetensnivån bör säkerställas
genom tillämpning av särskilda kunskaps- och yrkeskrav på nämnda personer.
(32)
Medlemsstaterna bör inte betrakta de chefer eller anställda som inte är direkt involverade i distribution av
försäkrings- eller återförsäkringsprodukter som relevanta personer. Vad gäller försäkrings- och återförsäkrings-
förmedlare och försäkrings- och återförsäkringsföretag bör alla anställda som är direkt involverade i distributions-
verksamheten förväntas besitta lämplig kunskap och kompetens, med vissa undantag för t.ex. personer som bara
utför administrativa uppgifter. När det gäller försäkringsförmedlare som bedriver förmedling som sidoverksamhet
bör åtminstone de personer som ansvarar för den sidoordnade försäkringsdistributionen betraktas som relevanta
anställda som förväntas ha lämplig kunskap och kompetens. I de fall försäkrings- och återförsäkringsdistributören är
en juridisk person, bör även de personer inom ledningsstrukturen som ansvarar för verkställande av strategier och
förfaranden med anknytning till distributionen av försäkrings- eller återförsäkringsprodukter uppfylla kraven på
lämplig kunskap och kompetens. I detta avseende bör den person som ansvarar för försäkrings- eller
återförsäkringsdistributionen inom försäkrings- och återförsäkringsförmedlare samt försäkringsförmedlare som
bedriver förmedling som sidoverksamhet alltid uppfylla kraven på lämplig kunskap och kompetens.
(33)
När det gäller försäkringsförmedlare och försäkringsföretag som tillhandahåller rådgivning om eller säljer
försäkringsbaserade investeringsprodukter till icke-professionella kunder bör medlemsstaterna se till att dessa har
lämplig kunskap och kompetens i fråga om de produkter som erbjuds. Sådan kunskap och kompetens är särskilt
viktig med tanke på den ökade komplexiteten och de fortlöpande innovationerna i utformningen av
försäkringsbaserade investeringsprodukter. Att köpa en försäkringsbaserad investeringsprodukt innebär en risk,
och investerare bör kunna lita på informationen i och kvaliteten på de bedömningar som tillhandahålls. Dessutom
bör de anställda ges tillräckligt med tid och resurser för att kunna lämna all relevant information till kunderna om de
produkter de tillhandahåller.
(34)
En samordning av de nationella bestämmelserna om yrkeskrav och registrering av personer som inleder och bedriver
verksamhet som försäkrings- eller återförsäkringsdistributörer kan bidra till att förverkliga den inre marknaden för
finansiella tjänster och till att förbättra konsumentskyddet på området.
(35)
För att öka den gränsöverskridande handeln bör principer som reglerar det ömsesidiga erkännandet av förmedlares
kunskaper och kompetenser införas.
(36)
Trots de befintliga systemen för EU-pass för försäkringsföretag och försäkringsförmedlare är försäkringsmarknaden i
unionen fortfarande mycket fragmenterad. För att underlätta gränsöverskridande verksamhet och öka öppenheten
för kunder bör medlemsstaterna se till att offentliggöra de bestämmelser för att skydda allmänintresset som gäller på
deras territorier, och ett gemensamt elektroniskt register med information om alla medlemsstaters bestämmelser för
att skydda allmänintresset som gäller för försäkrings- och återförsäkringsdistribution bör bli tillgängligt för
allmänheten.
(37)
Samarbete och utbyte av information mellan behöriga myndigheter är nödvändigt för att skydda kunderna och
säkerställa en sund försäkrings- och återförsäkringsverksamhet på den inre marknaden. I synnerhet bör utbyte av
information främjas, såväl i samband med registreringsprocessen som fortlöpande, när det gäller information om
2.2.2016
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god vandel, yrkeskrav och kunskap med avseende på de personer som ansvarar för utförandet av försäkrings- eller
återförsäkringsdistribution.
(38)
Det behövs ändamålsenliga och effektiva förfaranden för klagomål och tvistlösning utanför domstol i
medlemsstaterna, så att tvister mellan försäkringsdistributörer och kunder kan lösas, varvid befintliga förfaranden
kan användas om det är lämpligt. Dessa förfaranden bör vara tillgängliga för att hantera tvister avseende rättigheter
och skyldigheter enligt detta direktiv. Sådana förfaranden för klagomål och tvistlösning utanför domstol bör syfta till
att nå en snabbare och billigare lösning av tvister mellan försäkringsdistributörer och kunder.
(39)
Den ökande omfattning verksamheter som många försäkringsförmedlare och försäkringsföretag bedriver samtidigt
innebär en ökad risk för intressekonflikter mellan dessa olika verksamheter och kundernas intressen. Det måste
därför föreskrivas regler som säkerställer att sådana intressekonflikter inte inverkar negativt på kundernas intressen.
(40)
Kunder bör i förväg få tydlig information om förhållandena för de personer som säljer försäkringsprodukter och om
vilken typ av ersättning de får. Kunderna bör få sådan information innan de ingår ett avtal. Denna information syftar
till att visa förhållandet mellan försäkringsföretaget och förmedlaren, i tillämpliga fall, samt den typ av ersättning
som förmedlaren får.
(41)
För att kunder ska få information om de försäkringsdistributionstjänster som tillhandahålls, oavsett om de köper
tjänsten via en förmedlare eller direkt av ett försäkringsföretag, och för att undvika den snedvridning av
konkurrensen som följer av att försäkringsföretag uppmuntras att sälja direkt till kunder snarare än via förmedlare i
syfte att undvika dessa informationskrav, bör även försäkringsföretag bli skyldiga att ge kunderna information om
den typ av ersättning som deras anställda mottar vid försäljning av försäkringsprodukter.
(42)
Försäkringsförmedlare och försäkringsföretag är föremål för enhetliga krav när de distribuerar försäkringsbaserade
investeringsprodukter, i enlighet med Europaparlamentets och rådets förordning (EU) nr 1286/2014 (1). Utöver den
information som krävs i form av faktablad bör distributörer av försäkringsbaserade investeringsprodukter
tillhandahålla ytterligare information med uppgifter om eventuella förmedlingskostnader som inte redan ingår i de
angivna kostnaderna i faktabladen, så att det blir möjligt för kunden att förstå den ackumulerade verkan som dessa
sammanlagda kostnader har på investeringens avkastning. I detta direktiv bör det därför fastställas bestämmelser om
tillhandahållande av information om kostnaderna för distributionstjänsten med anknytning till de försäkrings-
baserade investeringsprodukterna i fråga.
(43)
Eftersom detta direktiv har som mål att förbättra konsumentskyddet är vissa av dess bestämmelser enbart tillämpliga
i konsumentförhållanden (näringsidkare till konsument), särskilt bestämmelserna om uppföranderegler för
försäkringsförmedlare eller andra säljare av försäkringsprodukter.
(44)
För att undvika otillbörlig försäljning bör försäljning av försäkringsprodukter alltid åtföljas av ett test med avseende
på krav och behov på grundval av upplysningar från kunden. Eventuella försäkringsprodukter som föreslås för
kunden bör alltid vara förenliga med kundens krav och behov och presenteras på ett förståeligt sätt så att kunden kan
fatta ett välgrundat beslut.
(45)
Om rådgivning ges före försäljningen av en försäkringsprodukt bör, utöver skyldigheten att ange kundens krav och
behov, en personlig rekommendation tillhandahållas kunden, med en förklaring av varför en viss produkt bäst
motsvarar kundens försäkringskrav och -behov.
(46)
Medlemsstaterna bör föreskriva att försäkringsdistributörers ersättningspolicyer till sina anställda eller representanter
inte hindrar dessa att handla i enlighet med sina kunders bästa intresse, ge tillbörliga rekommendationer eller
presentera information på ett opartiskt, klart och inte missvisande sätt. Ersättning baserad på försäljningsmål bör
inte utgöra incitament att rekommendera kunden en viss produkt.
(47)
För kunder är det viktigt att veta om den förmedlare de anlitar ger råd på grundval av en opartisk och personlig
analys. För att bedöma huruvida antalet avtal och leverantörer som förmedlaren beaktar är tillräckligt stort för att
borga för en opartisk och personlig analys, bör det tas vederbörlig hänsyn till bland annat kundens behov, antalet
leverantörer på marknaden, dessa leverantörers marknadsandelar, antalet relevanta och tillgängliga försäkrings-
L 26/24
SV
Europeiska unionens officiella tidning
2.2.2016
(1)
Europaparlamentets och rådets förordning (EU) nr 1286/2014 av den 26 november 2014 om faktablad för paketerade och
försäkringsbaserade investeringsprodukter för icke-professionella investerare (Priip-produkter) (EUT L 352, 9.12.2014, s. 1).
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produkter hos varje leverantör och dessa produkters egenskaper. Detta direktiv bör inte hindra medlemsstaterna att
ålägga en försäkringsförmedlare som vill tillhandahålla rådgivning på grundval av en opartisk och personlig analys
i fråga om ett försäkringsavtal att tillhandahålla sådan rådgivning för alla försäkringsavtal som försäkrings-
förmedlaren distribuerar.
(48)
Kunder bör, innan ett avtal ingås och även vid försäljning utan rådgivning, ges relevant information om
försäkringsprodukter så att de kan fatta välgrundade beslut. Ett faktablad för försäkringsprodukter bör ge
standardiserad information om skadeförsäkringsprodukter. Detta bör upprättas av det relevanta försäkringsföretaget
eller, i de medlemsstater som berörs, den försäkringsförmedlare som utvecklar försäkringsprodukten. Försäkrings-
förmedlaren bör redovisa för kunden de viktigaste egenskaperna hos de försäkringsprodukter den säljer, och bör
därför ge förmedlarnas personal tillräckligt med resurser och tid för att göra detta.
(49)
När det gäller gruppförsäkring bör kund avse den företrädare för en grupps medlemmar som ingår ett
försäkringsavtal för gruppmedlemmarnas räkning, varvid den individuella gruppmedlemmen inte kan fatta
individuella beslut om att ansluta sig, t.ex. till obligatoriska tjänstepensionssystem. Gruppens företrädare bör i
tillämpliga fall, utan dröjsmål efter införlivande av en medlem i gruppförsäkringen, tillhandahålla försäkrings-
produktens faktablad samt informationen om distributörens affärsverksamhet.
(50)
Det bör fastställas enhetliga regler för att ge kunden möjlighet att välja det medium på vilket informationen ska
lämnas, vilket medger användning av elektronisk kommunikation när det med hänsyn till omständigheterna vid
transaktionen är lämpligt. Kunden bör dock ha rätt att få information på papper. För att ge kunder tillgång till
information bör alla uppgifter som lämnas innan ett avtal undertecknas finnas att tillgå kostnadsfritt.
(51)
Behovet att kräva att sådan information lämnas är mindre när kunden är ett företag som önskar återförsäkring eller
försäkringsskydd för kommersiella och industriella risker, eller när endast försäkringsbaserade investeringsprodukter
distribueras, när kunden är en professionell kund enligt definitionen i direktiv 2014/65/EU.
(52)
I detta direktiv bör det anges minimiskyldigheter i fråga om den information som försäkringsdistributörer måste
lämna till sina kunder. En medlemsstat bör kunna bibehålla eller anta striktare bestämmelser inom området för
informationslämnande, vilka kan tillämpas på sådana försäkringsdistributörer som bedriver försäkringsdistribu-
tionsverksamhet på den medlemsstatens territorium oberoende av reglerna i deras hemmedlemsstat, om dessa
striktare bestämmelser är förenliga med unionsrätten, inbegripet Europaparlamentets och rådets direktiv 2000/31/
EG (1). En medlemsstat som önskar tillämpa och redan tillämpar bestämmelser om försäkringsdistributörer och
försäljning av försäkringsprodukter som går utöver de bestämmelser som anges i detta direktiv bör säkerställa att den
administrativa bördan av dessa bestämmelser förblir begränsad och står i proportion till behovet av
konsumentskydd.
(53)
Korsförsäljning är en vanligt förekommande strategi som försäkringsdistributörer använder i hela unionen. Metoden
kan innebära fördelar för kunder men kan också medföra att kundernas intressen inte beaktas i tillräcklig mån. Detta
direktiv bör inte förhindra distribution av försäkringar som täcker flera olika risker.
(54)
Bestämmelserna i detta direktiv rörande korsförsäljning bör inte påverka tillämpningen av unionens lagstiftnings-
akter med regler om korsförsäljning av vissa kategorier av varor eller tjänster.
(55)
För att se till att försäkringsprodukter tillgodoser behoven på den marknad de är inriktade mot, bör
försäkringsföretag – och, i medlemsstater där försäkringsförmedlare utvecklar försäkringsprodukter för försäljning
till kunder, försäkringsförmedlare – upprätthålla, sköta och se över processen med att godkänna varje
försäkringsprodukt. Om en försäkringsdistributör ger råd om eller föreslår försäkringsprodukter som den inte
utvecklar bör den under alla omständigheter vara i stånd att förstå produktens egenskaper och fastställda
målmarknad. Detta direktiv bör inte begränsa den variation och flexibilitet som företag tillämpar för att utveckla nya
produkter.
(56)
Försäkringsbaserade investeringsprodukter erbjuds ofta till kunder som möjliga alternativ till eller substitut för
investeringsprodukter som omfattas av direktiv 2014/65/EU. För att upprätta ett konsekvent investerarskydd och
undvika risken för regelarbitrage är det viktigt att försäkringsbaserade investeringsprodukter, utöver de
uppförandenormer som fastställts för alla försäkringsprodukter, omfattas av normer med särskild inriktning på
2.2.2016
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Europeiska unionens officiella tidning
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(1)
Europaparlamentets och rådets direktiv 2000/31/EG av den 8 juni 2000 om vissa rättsliga aspekter på informationssamhällets
tjänster, särskilt elektronisk handel, på den inre marknaden (Direktiv om elektronisk handel) (EGT L 178, 17.7.2000, s. 1).
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investeringsinslaget i dessa produkter. Sådana normer med särskild inriktning, däribland tillhandahållande av
ändamålsenlig information, bör innehålla krav på lämplig rådgivning och begränsningar avseende ersättningar.
(57)
För att se till att arvoden eller provisioner samt icke-monetära ersättningar i samband med distributionen av en
försäkringsbaserad investeringsprodukt som betalats till eller av någon annan part än kunden eller av en person för
kundens räkning inte får någon negativ inverkan på kvaliteten på den berörda tjänsten gentemot kunden, bör
försäkringsdistributören införa ändamålsenliga och proportionerliga arrangemang för att förebygga en sådan negativ
inverkan. I det avseendet bör försäkringsdistributören utveckla, införa och regelbundet se över strategier och
förfaranden med anknytning till intressekonflikter i syfte att förebygga varje form av negativ inverkan på kvaliteten
på den berörda tjänsten gentemot kunden samt se till att kunden erhåller adekvat information om arvoden,
provisioner eller ersättningar.
(58)
För att se till att försäkringsföretag och personer som bedriver försäkringsdistribution iakttar bestämmelserna i detta
direktiv och behandlas på liknande sätt i hela unionen bör medlemsstaterna vara skyldiga att föreskriva
administrativa sanktioner och andra åtgärder som är effektiva, proportionella och avskräckande. I kommissionens
meddelande av den 8 december 2010 om att förstärka sanktionssystemen i den finansiella tjänstesektorn har det
gjorts en översyn av befintliga befogenheter och deras praktiska tillämpning, med målet att främja mer likformiga
påföljder och andra åtgärder. De administrativa sanktioner och andra åtgärder som medlemsstaterna fastställer bör
således uppfylla vissa väsentliga krav när det gäller adressater, vilka kriterier som ska beaktas vid tillämpning av en
sanktion eller annan åtgärd samt offentliggörande.
(59)
Även om medlemsstaterna inte är förhindrade att fastställa regler om administrativa sanktioner och straffrättsliga
påföljder för en och samma överträdelse bör medlemsstaterna inte vara skyldiga att fastställa regler om
administrativa sanktioner för överträdelser av detta direktiv som omfattas av nationell straffrätt. Medlemsstaterna är i
överensstämmelse med nationell rätt inte skyldiga att påföra både administrativa sanktioner och straffrättsliga
påföljder för ett och samma brott, men bör kunna göra det om deras nationella rätt tillåter det. Bibehållandet av
straffrättsliga påföljder i stället för administrativa sanktioner för överträdelser av detta direktiv bör dock inte minska
eller på annat sätt påverka de behöriga myndigheternas förmåga att i god tid samarbeta och få tillträde till och utbyta
information med de behöriga myndigheterna i andra medlemsstater vid tillämpning av detta direktiv, inbegripet efter
det att de aktuella överträdelserna eventuellt har hänskjutits till de behöriga rättsliga myndigheterna för lagföring.
(60)
De behöriga myndigheterna bör i synnerhet få befogenheter att påföra sanktionsavgifter som är tillräckligt stora för
att såväl uppväga de faktiska eller potentiella fördelarna som vara avskräckande även för större institut och deras
ledning.
(61)
För att upprätta ett konsekvent investerarskydd och undvika risken för regelarbitrage är det vid överträdelser i
samband med distribution av försäkringsbaserade investeringsprodukter viktigt att de administrativa sanktioner och
andra åtgärder som fastställts av medlemsstaterna anpassas till dem som anges i förordning (EU) nr 1286/2014.
(62)
För att få en konsekvent tillämpning av sanktioner i hela unionen bör medlemsstaterna säkerställa att de behöriga
myndigheterna beaktar samtliga relevanta omständigheter när de fastställer typen av administrativ sanktion eller
annan åtgärd och nivån på en administrativ sanktionsavgift.
(63)
För att se till att de behöriga myndigheternas beslut om överträdelser har en avskräckande effekt på allmänheten och
för att informera marknadsaktörerna om uppföranden som betraktas som skadligt för kunderna, bör nämnda beslut
offentliggöras, förutsatt att tidsfristen för överklagande har löpt ut och inget överklagande har inkommit och såvida
inte ett sådant offentliggörande äventyrar stabiliteten avseende finansmarknaderna eller en pågående undersökning.
Om nationell rätt föreskriver offentliggörande av den sanktion eller annan åtgärd som är föremål för ett
överklagande, bör sådan information, liksom resultatet av överklagandet, även offentliggöras utan oskäligt dröjsmål.
Om ett offentliggörande av sanktionen eller annan åtgärd skulle vålla de berörda parterna oproportionellt stor skada
bör den behöriga myndigheten under alla omständigheter kunna besluta att inte offentliggöra sanktionen eller annan
åtgärd eller att offentliggöra den i anonymiserad form.
(64)
För att upptäcka potentiella överträdelser bör de behöriga myndigheterna ha nödvändiga undersökningsbefogen-
heter och upprätta effektiva system för att möjliggöra rapportering av potentiella eller faktiska överträdelser.
(65)
Detta direktiv bör hänvisa till både administrativa sanktioner och andra åtgärder, oavsett om de benämns som
sanktioner eller andra åtgärder enligt nationell rätt.
(66)
Detta direktiv bör inte påverka tillämpningen av medlemsstaternas strafflagstiftning.
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(67)
I syfte att uppnå de mål som anges i detta direktiv bör befogenheten att anta akter i enlighet med artikel 290 i EUF-
fördraget delegeras till kommissionen med avseende på produkttillsyn och kraven på företagsstyrning för alla
produkter samt när det gäller distribution av försäkringsbaserade investeringsprodukter, hantering av intressekon-
flikter, de villkor under vilka incitament får utbetalas eller mottas och bedömning av ändamålsenlighet och
lämplighet. Det är av särskild betydelse att kommissionen genomför lämpliga samråd under sitt förberedande arbete,
inklusive på expertnivå. När kommissionen förbereder och utarbetar delegerade akter bör den se till att relevanta
handlingar översänds samtidigt till Europaparlamentet och rådet och att detta sker så snabbt som möjligt och på
lämpligt sätt.
(68)
Tekniska standarder för finansiella tjänster bör säkerställa en konsekvent harmonisering och ett tillräckligt skydd för
konsumenter i hela unionen. Eftersom Eiopa är ett organ med högt specialiserade expertkunskaper på området bör
det anförtros endast uppgiften att utarbeta utkast till tekniska standarder för tillsyn och genomförande som inte
förutsätter policyval, vilka sedan läggs fram för Europaparlamentet, rådet och kommissionen.
(69)
I enlighet med den gemensamma överenskommelsen om delegerade akter mellan Europaparlamentet, rådet och
kommissionen, och utan att det påverkar kommande revideringar, bör kommissionen beakta såväl perioden för
invändningar som Europaparlamentets och rådets förfaranden när det gäller datumet för överlämnandet av den
delegerade akten. Vidare bör, i enlighet med den gemensamma överenskommelsen om delegerade akter och utan att
det påverkar kommande revideringar och, i tillämpliga fall förordning (EU) nr 1094/2010, adekvat insyn och
vederbörliga kontakter med Europaparlamentet och rådet säkerställas innan den delegerade akten antas.
(70)
Eiopas behandling av personuppgifter inom ramen för detta direktiv bör styras av Europaparlamentets och rådets
direktiv 95/46/EG (1), och av Europaparlamentets och rådets förordning (EG) nr 45/2001 (2), under tillsyn av
Europeiska datatillsynsmannen.
(71)
Detta direktiv respekterar de grundläggande rättigheter och principer som erkänns i Europeiska unionens stadga om
de grundläggande rättigheterna, såsom de fastställs i fördragen.
(72)
Detta direktiv bör inte vara alltför betungande för små och medelstora försäkrings- och återförsäkringsdistributörer.
Ett av sätten att uppnå detta mål är en korrekt tillämpning av proportionalitetsprincipen. Den principen bör
tillämpas såväl på kraven på försäkrings- och återförsäkringsdistributörer som på tillsynsutövningen.
(73)
Detta direktiv bör ses över fem år efter den dag då det träder i kraft, så att marknadsutvecklingen och utvecklingen på
andra områden av unionsrätten eller medlemsstaternas erfarenheter av att genomföra unionsrätten kan beaktas,
särskilt i fråga om de produkter som omfattas av Europaparlamentets och rådets direktiv 2003/41/EG (3).
(74)
Direktiv 2002/92/EG bör upphävas 24 månader efter det att detta direktiv har trätt i kraft. Kapitel III A i direktiv
2002/92/EG bör emellertid utgå med verkan från och med den dag då detta direktiv träder i kraft.
(75)
Skyldigheten att införliva detta direktiv med nationell lagstiftning bör endast gälla de bestämmelser som utgör en
innehållsmässig ändring i förhållande till direktiv 2002/92/EG. Skyldigheten att införliva de oförändrade
bestämmelserna följer av det direktivet.
(76)
Detta direktiv bör inte påverka medlemsstaternas skyldigheter vad gäller tidsfristerna för införlivande med nationell
lagstiftning av direktiv 2002/92/EG.
(77)
Europeiska datatillsynsmannen har hörts i enlighet med artikel 28.2 i förordning (EG) nr 45/2001 och avgav sitt
yttrande den 23 november 2012 (4).
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Europaparlamentets och rådets direktiv 95/46/EG av den 24 oktober 1995 om skydd för enskilda personer med avseende på
behandling av personuppgifter och om det fria flödet av sådana uppgifter (EGT L 281, 23.11.1995, s. 31).
(2)
Europaparlamentets och rådets förordning (EG) nr 45/2001 av den 18 december 2000 om skydd för enskilda då
gemenskapsinstitutionerna och gemenskapsorganen behandlar personuppgifter och om den fria rörligheten för sådana uppgifter
(EGT L 8, 12.1.2001, s. 1).
(3)
Europaparlamentets och rådets direktiv 2003/41/EG av den 3 juni 2003 om verksamhet i och tillsyn över tjänstepensionsinstitut
(EUT L 235, 23.9.2003, s. 10).
(4)
EUT C 100, 6.4.2013, s. 12.
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(78)
Eftersom målen för detta direktiv inte i tillräcklig utsträckning kan uppnås av medlemsstaterna utan snarare, på
grund av dess omfattning, kan uppnås bättre på unionsnivå, kan unionen vidta åtgärder i enlighet med
subsidiaritetsprincipen i artikel 5 i fördraget om Europeiska unionen. I enlighet med proportionalitetsprincipen i
samma artikel går detta direktiv inte utöver vad som är nödvändigt för att uppnå dessa mål.
(79)
Enligt medlemsstaternas och kommissionens gemensamma politiska förklaring av den 28 september 2011 om
förklarande dokument har medlemsstaterna åtagit sig att i motiverade fall låta en anmälan av införlivandeåtgärder
åtföljas av ett eller flera dokument som beskriver förhållandet mellan de olika delarna i ett direktiv och motsvarande
delar i de nationella instrumenten för införlivande. När det gäller detta direktiv anser lagstiftaren det vara motiverat
att sådana dokument översänds.
HÄRIGENOM FÖRESKRIVS FÖLJANDE.
KAPITEL I
TILLÄMPNINGSOMRÅDE OCH DEFINITIONER
Artikel 1
Tillämpningsområde
1.
I detta direktiv fastställs bestämmelser om inledande och bedrivande av försäkrings- och återförsäkringsdistribution i
unionen.
2.
Detta direktiv gäller fysiska eller juridiska personer som är etablerade i en medlemsstat eller som önskar etablera sig
där för att inleda och bedriva distribution av försäkrings- och återförsäkringsprodukter.
3.
Detta direktiv ska inte tillämpas på försäkringsförmedlare som bedriver försäkringsdistributionsverksamhet som
sidoverksamhet om samtliga följande villkor är uppfyllda:
a) Att försäkringen kompletterar en vara eller tjänst som tillhandahållits av en leverantör, när en sådan försäkring täcker
i) risken för fel, förlust av eller skada på de varor – eller icke-utnyttjande av den tjänst – som tillhandahållits av den
leverantören, eller
ii) skada på eller förlust av bagage och andra risker med anknytning till resa som bokats hos den leverantören.
b) Att det premiebelopp som betalats för försäkringsprodukten inte överstiger 600 EUR, beräknat proportionellt på
årsbasis.
c) Att det premiebelopp som betalats per person inte överstiger 200 EUR, med avvikelse från vad som anges i led b, i de fall
försäkringen kompletterar en sådan tjänst som avses i led a och den tjänstens varaktighet är lika med eller kortare än
tre månader.
4.
Medlemsstaterna ska se till att försäkringsföretaget eller försäkringsförmedlaren, när distributionsverksamhet sker via
en försäkringsförmedlare som bedriver förmedling som sidoverksamhet som undantagits från tillämpningen av detta
direktiv enligt punkt 3, säkerställer att
a) information tillhandahålls kunden innan avtalet ingås, med uppgifter om dess identitet och adress och om de
förfaranden som avses i artikel 14 och som gör det möjligt för kunder och andra berörda parter att anmäla klagomål,
b) det införts ändamålsenliga och proportionerliga system som är förenliga med artiklarna 17 och 24 och som beaktar
kundens krav och behov innan avtalsförslaget läggs fram,
c) det försäkringsproduktfaktablad som avses i artikel 20.5 ges till kunden innan avtalet ingås.
5.
Medlemsstaterna ska se till att de behöriga myndigheterna utövar tillsyn över marknaden, inbegripet marknaden för
sidoordnade försäkringsprodukter som marknadsförs, distribueras eller säljs i eller från deras medlemsstat. Eiopa kan
underlätta och samordna denna tillsyn.
6.
Detta direktiv ska inte tillämpas på försäkrings- och återförsäkringsdistributionsverksamhet som utövas för risker och
åtaganden utanför unionen.
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Detta direktiv påverkar inte en medlemsstats lagstiftning om försäkrings- och återförsäkringsdistributionsverksamhet som
utövas av försäkrings- och återförsäkringsföretag eller förmedlare som är etablerade i tredjeland och som är verksamma på
medlemsstatens territorium med stöd av principen om friheten att tillhandahålla tjänster, under förutsättning att det kan
garanteras att samtliga personer som utövar eller har rätt att utöva försäkrings- och återförsäkringsdistributionsverksamhet
på den marknaden behandlas lika.
Genom detta direktiv regleras inte försäkrings- eller återförsäkringsdistributionsverksamhet i tredjeland.
Medlemsstaterna ska underrätta kommissionen om alla svårigheter av allmän natur som deras försäkrings- eller
återförsäkringsdistributörer möter vid etablering eller bedrivande av försäkrings- eller återförsäkringsdistributions-
verksamhet i tredjeländer.
Artikel 2
Definitioner
1.
I detta direktiv gäller följande definitioner:
1. försäkringsdistribution: verksamhet som består i att ge råd om, föreslå eller utföra annat förberedande arbete inför
ingåendet av försäkringsavtal, att ingå sådana avtal eller att bistå vid förvaltning och fullgörande av sådana avtal, särskilt
vid skada, inbegripet tillhandahållande av information om ett eller flera försäkringsavtal i enlighet med kriterier som
kunder väljer via en webbplats eller andra medier samt sammanställande av en rangordningslista med försäkrings-
produkter, inklusive pris- och produktjämförelser, eller rabatter på försäkringsavtalspremier, när kunden direkt eller
indirekt kan ingå ett försäkringsavtal med hjälp av en webbplats eller andra medier, ska betraktas som
försäkringsdistribution.
2. återförsäkringsdistribution: verksamhet som består i att ge råd om, föreslå eller utföra annat förberedande arbete inför
ingåendet av återförsäkringsavtal, att ingå sådana avtal eller att bistå vid förvaltning och fullgörande av sådana avtal,
särskilt vid skada, inklusive när verksamheten bedrivs av ett återförsäkringsföretag utan medverkan av en
återförsäkringsförmedlare.
3. försäkringsförmedlare: varje fysisk eller juridisk person – utom försäkrings- eller återförsäkringsföretag eller deras
anställda och utom försäkringsförmedlare som bedriver förmedling som sidoverksamhet – som mot ersättning inleder
eller bedriver försäkringsdistribution.
4. försäkringsförmedlare som bedriver förmedling som sidoverksamhet: varje fysisk eller juridisk person – utom kreditinstitut
eller värdepappersföretag enligt definitionen i artikel 4.1.1 och 4.1.2 i Europaparlamentets och rådets förordning (EU)
nr 575/2013 (1) – som mot ersättning inleder eller bedriver försäkringsdistribution som sidoverksamhet, under
förutsättning att samtliga följande villkor är uppfyllda:
a) Den fysiska eller juridiska personen i fråga har inte försäkringsförmedling som huvudsaklig yrkesverksamhet.
b) Den fysiska eller juridiska personen distribuerar bara vissa försäkringsprodukter som kompletterar en vara eller en
tjänst.
c) De berörda försäkringsprodukterna täcker inte livförsäkring eller ansvarsförsäkring, utom när sådant skydd
kompletterar den vara eller tjänst som förmedlaren tillhandahåller som huvudsaklig yrkesverksamhet.
5. återförsäkringsförmedlare: varje fysisk eller juridisk person – utom återförsäkringsföretag eller deras anställda som mot
ersättning inleder eller bedriver försäkringsdistribution.
6. försäkringsföretag: ett företag enligt definitionen i artikel 13.1 i Europaparlamentets och rådets direktiv 2009/138/EG (2).
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Europaparlamentets och rådets förordning (EU) nr 575/2013 av den 26 juni 2013 om tillsynskrav för kreditinstitut och
värdepappersföretag och om ändring av förordning (EU) nr 648/2012 (EUT L 176, 27.6.2013, s. 1).
(2)
Europaparlamentets och rådets direktiv 2009/138/EG av den 25 november 2009 om upptagande och utövande av försäkrings- och
återförsäkringsverksamhet (Solvens II) (EUT L 335, 17.12.2009, s. 1).
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7. återförsäkringsföretag: ett återförsäkringsföretag enligt definitionen i artikel 13.4 i direktiv 2009/138/EG.
8. försäkringsdistributör: varje försäkringsförmedlare, försäkringsförmedlare som bedriver förmedling som sidoverksamhet
eller försäkringsföretag.
9. ersättning: alla provisioner, ersättningar, kostnader eller andra betalningar, inbegripet ekonomiska ersättningar av alla
slag eller eventuella andra finansiella eller icke-finansiella förmåner eller incitament, som erbjuds eller utbetalas med
avseende på försäkringsdistributionsverksamhet.
10. hemmedlemsstat:
a) om förmedlaren är en fysisk person, den medlemsstat där förmedlaren har sin hemvist,
b) om förmedlaren är en juridisk person, den medlemsstat där förmedlarens säte är beläget, eller, om förmedlaren
enligt nationell rätt inte har något säte, den medlemsstat där förmedlarens huvudkontor är beläget.
11. värdmedlemsstat: den medlemsstat där en försäkrings- eller återförsäkringsförmedlare har en permanent närvaro eller ett
etableringsställe eller tillhandahåller tjänster, och som inte är förmedlarens hemmedlemsstat.
12. filial: en förmedlares agentur eller filial som är belägen i en annan medlemsstat än hemmedlemsstaten.
13. nära förbindelser: nära förbindelser enligt definitionen i artikel 13.17 i direktiv 2009/138/EG.
14. huvudsakligt verksamhetsställe: den plats där den huvudsakliga verksamheten bedrivs.
15. rådgivning: tillhandahållande av en personlig rekommendation till en kund, antingen på dennes begäran eller på initiativ
av försäkringsdistributören, i fråga om ett eller flera försäkringsavtal.
16. stora risker: stora risker enligt definitionen i artikel 13.27 i direktiv 2009/138/EG.
17. försäkringsbaserad investeringsprodukt: en investeringsprodukt med ett förfallo- eller återköpsvärde och vars förfallo- eller
återköpsvärde helt eller delvis är direkt eller indirekt exponerat mot marknadsvolatilitet, förutom
a) skadeförsäkringsprodukter enligt förteckningen i bilaga I till direktiv 2009/138/EG (skadeförsäkringsklasser),
b) livförsäkringsavtal där ersättning enligt avtalet endast betalas ut vid dödsfall eller vid invaliditet till följd av skada,
sjukdom eller funktionsnedsättning,
c) pensionsprodukter som enligt nationell rätt erkänts ha som främsta syfte att ge investeraren inkomst vid
pensionering och berättigar investeraren till vissa ersättningar,
d) officiellt erkända tjänstepensionssystem som omfattas av tillämpningsområdet för direktiv 2003/41/EG eller direktiv
2009/138/EG,
e) individuella pensionsprodukter för vilka ett finansiellt bidrag från arbetsgivaren krävs enligt nationell rätt och där
arbetsgivaren eller arbetstagaren inte kan välja pensionsprodukt eller vem som tillhandahåller pensionsprodukten.
18. varaktigt medium: varje instrument som
a) gör det möjligt för kunden att bevara information som riktas till denne personligen, på ett sätt som är tillgängligt för
användning i framtiden under en tid som är lämplig med hänsyn till vad som är avsikten med informationen, och
b) tillåter oförändrad återgivning av den bevarade informationen.
2.
Vid tillämpningen av leden 1 och 2 i punkt 1 ska följande verksamheter inte betraktas som försäkrings- eller
återförsäkringsdistribution:
a) Tillhandahållande av information i enskilda fall inom ramen för annan yrkesverksamhet om
i) leverantören inte vidtar några ytterligare åtgärder för att bistå med ingåendet eller fullgörandet av ett försäkringsavtal,
ii) denna verksamhet inte syftar till att bistå kunden med ingåendet eller fullgörandet av ett återförsäkringsavtal.
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b) Yrkesmässig handläggning av ett försäkrings- eller återförsäkringsföretags skador samt värdering och reglering av skador.
c) Verksamhet som består i att enbart lägga fram data och information om presumtiva försäkringstagare för
försäkringsförmedlare, återförsäkringsförmedlare, försäkringsföretag eller återförsäkringsföretag, om leverantören inte
vidtar några ytterligare åtgärder för att bistå med ingåendet av ett försäkrings- eller återförsäkringsavtal.
d) Verksamhet som består i att enbart lägga fram information om försäkrings- eller återförsäkringsprodukter, en
försäkringsförmedlare, en återförsäkringsförmedlare, ett försäkringsföretag eller ett återförsäkringsföretag för presumtiva
försäkringstagare, om leverantören inte vidtar några ytterligare åtgärder för att bistå med ingåendet av ett försäkrings-
eller återförsäkringsavtal.
KAPITEL II
REGISTRERINGSKRAV
Artikel 3
Registrering
1.
Försäkrings- och återförsäkringsförmedlare samt försäkringsförmedlare som bedriver förmedling som sidoverksamhet
ska registreras i sin hemmedlemsstat vid en behörig myndighet.
Försäkrings- och återförsäkringsföretag samt deras anställda ska inte behöva registrera sig enligt detta direktiv.
Utan att det påverkar tillämpningen av första stycket, får medlemsstaterna föreskriva att försäkrings- och återförsäkrings-
företag och förmedlare samt andra organ får samarbeta med de behöriga myndigheterna vid registrering av försäkrings- och
återförsäkringsförmedlare samt försäkringsförmedlare som bedriver förmedling som sidoverksamhet samt vid tillämpning
av de krav som fastställs i artikel 10.
I synnerhet får försäkrings och återförsäkringsförmedlare samt försäkringsförmedlare som bedriver förmedling som
sidoverksamhet registreras av ett försäkrings- eller återförsäkringsföretag, en försäkrings- eller återförsäkringsförmedlare,
eller av en sammanslutning av försäkrings- eller återförsäkringsföretag eller försäkrings- eller återförsäkringsförmedlare som
står under tillsyn av en behörig myndighet.
En försäkrings- eller återförsäkringsförmedlare eller en försäkringsförmedlare som bedriver förmedling som sidoverksamhet
får agera på ett försäkrings- eller återförsäkringsföretags ansvar eller på en annan förmedlares ansvar. I ett sådant fall får
medlemsstaterna föreskriva att försäkrings- eller återförsäkringsföretaget eller den andra förmedlaren ska ansvara för att
försäkrings- eller återförsäkringsförmedlaren eller försäkringsförmedlaren som bedriver förmedling som sidoverksamhet
uppfyller villkoren för registrering, däribland de villkor som anges i punkt 6 första stycket c.
Medlemsstaterna får också föreskriva att det försäkrings- eller återförsäkringsföretag eller den andra förmedlare som påtar
sig ansvaret för försäkrings- eller återförsäkringsförmedlaren eller försäkringsförmedlaren som bedriver förmedling som
sidoverksamhet registrerar den sistnämnda förmedlaren eller försäkringsförmedlaren som bedriver förmedling som
sidoverksamhet.
Medlemsstaterna behöver inte tillämpa det krav som avses i första stycket på alla fysiska personer som arbetar hos en
försäkrings- eller återförsäkringsförmedlare eller försäkringsförmedlare som bedriver förmedling som sidoverksamhet och
som utövar försäkrings- eller återförsäkringsdistribution.
Medlemsstaterna ska se till att registren omfattar namnen på de fysiska personer i ledningen vid försäkrings- eller
återförsäkringsdistributören som ansvarar för försäkrings- eller återförsäkringsdistributionen.
I registret ska dessutom de medlemsstater anges i vilka förmedlaren är verksam enligt bestämmelserna om etableringsfrihet
eller friheten att tillhandahålla tjänster.
2.
Medlemsstaterna får upprätta fler än ett register för försäkrings- och återförsäkringsförmedlare samt försäkrings-
förmedlare som bedriver förmedling som sidoverksamhet, förutsatt att de fastställer kriterier för registrering av
förmedlarna.
Medlemsstaterna ska införa ett registreringssystem online. Det systemet ska vara lättillgängligt och medge att
registreringsblanketten fylls i direkt online.
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3.
Om det finns fler än ett register i en medlemsstat ska den medlemsstaten inrätta ett enda informationsställe som gör
det möjligt att snabbt och enkelt få tillgång till upplysningar från dessa register och vilka ska upprättas på elektronisk väg
samt uppdateras. Det informationsstället ska även innehålla upplysningar om de behöriga myndigheterna i hem-
medlemsstaten.
4.
Eiopa ska upprätta, på sin webbplats offentliggöra och hålla uppdaterat ett gemensamt elektroniskt register med
upplysningar om försäkrings- och återförsäkringsförmedlare samt försäkringsförmedlare som bedriver förmedling som
sidoverksamhet som har anmält en avsikt att bedriva gränsöverskridande verksamhet i enlighet med kapitel III.
Medlemsstaterna ska skyndsamt ge Eiopa relevant information så att myndigheten kan utföra denna uppgift. Registret ska
innehålla länkar till och vara tillgängligt från respektive webbplats för varje medlemsstats behöriga myndigheter.
Eiopa ska ha rätt att få tillgång till uppgifter som lagras i registret som avses i första stycket. Eiopa och de behöriga
myndigheterna ska ha rätt att ändra sådana uppgifter. Registrerade personer vars personuppgifter lagras i registret och
utbyts ska ha rätt till åtkomst till sådana lagrade uppgifter och ha rätt att på lämpligt sätt informeras.
Eiopa ska upprätta en webbplats med länkar till varje enskilt informationsställe eller i förekommande fall det register som
medlemsstaterna inrättat i enlighet med punkt 3.
Hemmedlemsstater ska se till att registrering av försäkrings- och återförsäkringsförmedlare samt försäkringsförmedlare som
bedriver förmedling som sidoverksamhet endast är möjlig om de relevanta kraven som fastställs i artikel 10 är uppfyllda.
Den behöriga myndigheten ska regelbundet göra en översyn av registreringens giltighet.
Hemmedlemsstater ska se till att försäkrings- och återförsäkringsförmedlare samt försäkringsförmedlare som bedriver
förmedling som sidoverksamhet som inte längre uppfyller kraven i artikel 10 tas bort ur registret. I förekommande fall ska
hemmedlemsstaten underrätta värdmedlemsstaten om sådan borttagning.
5.
Medlemsstaterna ska se till att ansökningar från förmedlare om att tas med i registret behandlas inom tre månader
från det att en fullständig ansökan lämnats in, och att den sökande skyndsamt underrättas om beslutet.
6.
Medlemsstaterna ska se till att samtliga följande uppgifter begärs in från försäkrings- och återförsäkringsförmedlare
samt försäkringsförmedlare som bedriver förmedling som sidoverksamhet som ett villkor för registrering:
a) Uppgifter om identiteten avseende sådana aktieägare eller delägare, oavsett om de är fysiska eller juridiska personer, som
har ett innehav i förmedlingsföretaget som överstiger 10 % och om hur stora dessa innehav är.
b) Uppgifter om identiteten avseende personer som har nära förbindelser med förmedlaren.
c) Uppgifter om att innehavet eller de nära förbindelserna inte hindrar de behöriga myndigheterna från att på ett
ändamålsenligt sätt utöva sin tillsyn.
Medlemsstaterna ska se till att förmedlarna utan oskäligt dröjsmål underrättar de behöriga myndigheterna ifall några
ändringar sker i de uppgifter som tillhandahållits enligt denna punkt.
7.
Medlemsstaterna ska se till att de behöriga myndigheterna nekar registrering om lagar och andra författningar i ett
tredjeland som reglerar en eller flera fysiska eller juridiska personer med vilken eller vilka förmedlaren har nära förbindelser,
eller svårigheter att kontrollera efterlevnaden av dessa lagar och andra författningar, hindrar myndigheterna från att på ett
ändamålsenligt sätt utöva sin tillsyn.
KAPITEL III
FRIHET ATT TILLHANDAHÅLLA TJÄNSTER OCH ETABLERINGSFRIHET
Artikel 4
Utövande av friheten att tillhandahålla tjänster
1.
Varje försäkrings- eller återförsäkringsförmedlare eller försäkringsförmedlare som bedriver förmedling som
sidoverksamhet som avser att för första gången inleda verksamhet på en annan medlemsstats territorium inom ramen
för friheten att tillhandahålla tjänster ska lämna följande uppgifter till den behöriga myndigheten i sin hemmedlemsstat:
a) Förmedlarens namn, adress och, om tillämpligt, registreringsnummer.
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b) Den eller de medlemsstater där förmedlaren avser att bedriva verksamhet.
c) Kategori av förmedlare och, om tillämpligt, namn på det eller de försäkrings- eller återförsäkringsföretag som
representeras.
d) Relevanta försäkringsklasser, om tillämpligt.
2.
Hemmedlemsstatens behöriga myndighet ska inom en månad efter att ha mottagit de uppgifter som avses i punkt 1
vidarebefordra dessa uppgifter till värdmedlemsstatens behöriga myndighet, som ska bekräfta mottagande av dessa utan
dröjsmål. Den behöriga myndigheten i hemmedlemsstaten ska informera försäkrings- eller återförsäkringsförmedlaren eller
försäkringsförmedlaren som bedriver förmedling som sidoverksamhet skriftligen om att uppgifterna har mottagits av den
behöriga myndigheten i värdmedlemsstaten och att förmedlaren kan inleda verksamhet i värdmedlemsstaten. I tillämpliga
fall ska den behöriga myndigheten i hemmedlemsstaten samtidigt underrätta förmedlaren om att information om de
rättsliga bestämmelser som avses i artikel 11.1 och som är tillämpliga i värdmedlemsstaten finns att tillgå på de sätt som
avses i artikel 11.3 och 11.4, och vidare om att förmedlaren måste följa de bestämmelserna för att få inleda verksamhet i
värdmedlemsstaten.
3.
Om någon av de uppgifter som lämnats i enlighet med punkt 1 ändras ska försäkrings- eller återförsäkringsförmedlare
eller försäkringsförmedlare som bedriver förmedling som sidoverksamhet meddela ändringen till hemmedlemsstatens
behöriga myndighet minst en månad innan ändringen genomförs. Hemmedlemsstatens behöriga myndighet ska också
informera värdmedlemsstatens behöriga myndighet om ändringen så snart som det är praktiskt möjligt och senast en
månad från den dag då den mottog meddelandet om ändring.
Artikel 5
Bristande fullgörande av skyldigheter vid utövande av friheten att tillhandahålla tjänster
1.
Om den behöriga myndigheten i värdmedlemsstaten har skäl att anse att en försäkrings- eller återförsäkrings-
förmedlare eller försäkringsförmedlare som bedriver förmedling som sidoverksamhet som är verksam inom dess
territorium inom ramen för friheten att tillhandahålla tjänster underlåter att fullgöra någon av de skyldigheter som fastställs
i detta direktiv, ska den underrätta den behöriga myndigheten i hemmedlemsstaten om dessa skäl.
Efter att ha gjort en bedömning av den information som mottagits enligt första stycket ska den behöriga myndigheten i
hemmedlemsstaten i förekommande fall och så snart det är möjligt vidta erforderliga åtgärder för att avhjälpa situationen.
Den ska underrätta värdmedlemsstatens behöriga myndighet om eventuella sådana vidtagna åtgärder.
Om försäkrings- eller återförsäkringsförmedlare eller försäkringsförmedlare som bedriver förmedling som sidoverksamhet –
trots de åtgärder som vidtagits av hemmedlemsstaten eller på grund av att åtgärderna visat sig vara otillräckliga eller inte
vidtagits – fortsätter att agera på ett sätt som tydligt skadar intressena för värdmedlemsstatens konsumenter i stort eller
hindrar försäkrings- och återförsäkringsmarknaderna att fungera väl, får den behöriga myndigheten i värdmedlemsstaten,
efter att ha informerat den behöriga myndigheten i hemmedlemsstaten, vidta erforderliga åtgärder för att förhindra
ytterligare avvikelser, inklusive att – i den mån som det är helt nödvändigt – hindra den berörda förmedlaren att fortsätta
bedriva ny verksamhet inom dess territorium.
Vidare får den behöriga myndigheten i hemmedlemsstaten eller värdmedlemsstaten hänskjuta ärendet till Eiopa och begära
dess biträde i enlighet med artikel 19 i förordning (EU) nr 1094/2010. I detta fall kan Eiopa agera i enlighet med de
befogenheter myndigheten tilldelats genom den artikeln.
2.
Punkt 1 ska inte påverka möjligheterna för en värdmedlemsstat att vidta erforderliga åtgärder för att inom sitt
territorium förhindra eller bestraffa överträdelser, i situationer där omedelbar åtgärd krävs för att skydda konsumenternas
rättigheter. Sådana åtgärder ska innefatta möjligheten att hindra försäkrings- och återförsäkringsförmedlare samt
försäkringsförmedlare som bedriver förmedling som sidoverksamhet att bedriva ny verksamhet inom dess territorium.
3.
Information om eventuella åtgärder som vidtagits av de behöriga myndigheterna i värdmedlemsstaten enligt denna
artikel ska utan oskäligt dröjsmål meddelas den berörda försäkrings- eller återförsäkringsförmedlaren eller försäkrings-
förmedlaren som bedriver förmedling som sidoverksamhet – tillsammans med en vederbörlig motivering – samt den
behöriga myndigheten i hemmedlemsstaten, Eiopa och kommissionen.
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Artikel 6
Utövande av etableringsfriheten
1.
Medlemsstaterna ska se till att försäkrings- eller återförsäkringsförmedlare eller försäkringsförmedlare som bedriver
förmedling som sidoverksamhet som avser att utöva sin etableringsfrihet genom att etablera en filial eller en permanent
närvaro på en annan medlemsstats territorium ska underrätta sin hemmedlemsstats behöriga myndighet och lämna
följande uppgifter till den behöriga myndigheten:
a) Förmedlarens namn, adress och, om tillämpligt, registreringsnummer.
b) Den medlemsstat på vars territorium förmedlaren avser att etablera en filial eller en permanent närvaro.
c) Kategori av förmedlare och, om tillämpligt, namn på det eller de försäkrings- eller återförsäkringsföretag som
representeras.
d) Relevanta försäkringsklasser, om tillämpligt.
e) Den adress i värdmedlemsstaten där dokument kan erhållas.
f) Namn på den person som ska ansvara för ledningen av filialen eller den permanenta närvaron.
Varje förmedlare som är permanent närvarande på en annan medlemsstats territorium och som är likvärdig med en filial
ska behandlas på samma sätt som en filial, såvida inte förmedlaren lagligen etablerar sådan permanent närvaro i en annan
juridisk form.
2.
Såvida hemmedlemsstatens behöriga myndighet inte har skäl att betvivla att försäkrings- eller återförsäkrings-
förmedlares eller försäkringsförmedlare som bedriver förmedling som sidoverksamhets organisatoriska struktur eller
ekonomiska situation är otillräcklig med beaktande av den planerade distributionsverksamheten, ska den inom en månad
efter att ha mottagit de uppgifter som avses i punkt 1 vidarebefordra dessa uppgifter till värdmedlemsstatens behöriga
myndighet, som ska bekräfta mottagandet av uppgifterna utan dröjsmål. Den behöriga myndigheten i hemmedlemsstaten
ska informera försäkrings- eller återförsäkringsförmedlare eller försäkringsförmedlare som bedriver förmedling som
sidoverksamhet skriftligen om att uppgifterna har mottagits av den behöriga myndigheten i värdmedlemsstaten.
Inom en månad efter mottagandet av de uppgifter som avses i första stycket i denna punkt ska värdmedlemsstatens
behöriga myndighet på de sätt som avses i artikel 11.3 och 11.4 underrätta hemmedlemsstatens behöriga myndighet om de
rättsliga bestämmelser som avses i artikel 11.1 och som är tillämpliga i värdmedlemsstaten. Den behöriga myndigheten i
hemmedlemsstaten ska underrätta förmedlaren om detta och om att förmedlaren får inleda verksamhet i
värdmedlemsstaten förutsatt att verksamheten är förenlig med nämnda rättsliga bestämmelser.
Om ingen underrättelse mottas inom den period som anges i andra stycket får försäkrings- eller återförsäkringsförmedlare
eller försäkringsförmedlare som bedriver förmedling som sidoverksamhet etablera filialen och inleda verksamhet.
3.
Om hemmedlemsstatens behöriga myndighet avslår begäran att vidarebefordra uppgifterna som avses i punkt 1 till
värdmedlemsstatens behöriga myndighet, ska den meddela försäkrings- eller återförsäkringsförmedlare eller försäkrings-
förmedlare som bedriver förmedling som sidoverksamhet skälen till denna vägran inom en månad efter att ha mottagit
samtliga de uppgifter som avses i punkt 1.
Ett avslag som avses i första stycket eller underlåtenhet av hemmedlemsstatens behöriga myndighet att vidarebefordra
uppgifterna som avses i punkt 1 ska kunna bli föremål för domstolsprövning i hemmedlemsstaten.
4.
Om någon av de uppgifter som lämnats i enlighet med punkt 1 ändras ska en försäkrings- eller återförsäkrings-
förmedlare eller en försäkringsförmedlare som bedriver förmedling som sidoverksamhet meddela ändringen till
hemmedlemsstatens behöriga myndighet minst en månad innan ändringen genomförs. Hemmedlemsstatens behöriga
myndighet ska också informera värdmedlemsstatens behöriga myndighet om ändringen så snart som det är praktiskt
möjligt och senast en månad från den dag då den mottog meddelandet om ändring.
Artikel 7
Uppdelning av befogenheter mellan hemmedlemsstater och värdmedlemsstater
1.
Om det huvudsakliga verksamhetsstället för en försäkrings- eller återförsäkringsförmedlare eller försäkrings-
förmedlare som bedriver förmedling som sidoverksamhet är beläget i en annan medlemsstat än hemmedlemsstaten kan den
behöriga myndigheten i den andra medlemsstaten överenskomma med hemmedlemsstatens behöriga myndighet att den ska
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agera som behörig myndighet i hemmedlemsstaten i fråga om bestämmelserna i kapitlen IV, V, VI och VII. Om en sådan
överenskommelse nås ska hemmedlemsstatens behöriga myndighet utan dröjsmål informera försäkrings- eller återförsäk-
ringsförmedlaren eller den försäkringsförmedlare som bedriver förmedling som sidoverksamhet och Eiopa.
2.
Värdmedlemsstatens behöriga myndighet ska ha ansvaret för att säkerställa att tillhandahållandet av tjänster från
etableringsstället på dess territorium sker i enlighet med de skyldigheter som anges i kapitlen V och VI och de bestämmelser
som antagits i enlighet med dessa kapitel.
Värdmedlemsstatens behöriga myndighet ska ha rätt att granska arrangemangen för etablering och begära de ändringar som
är nödvändiga för att myndigheten ska kunna kontrollera fullgörandet av skyldigheterna enligt kapitlen V och VI och de
bestämmelser som antagits i enlighet med dessa kapitel, när det gäller de tjänster som tillhandahålls eller den verksamhet
som bedrivs av etableringsstället på dess territorium.
Artikel 8
Bristande fullgörande av skyldigheter vid utövande av etableringsfriheten
1.
Om den behöriga myndigheten i en värdmedlemsstat fastställer att en försäkrings- eller återförsäkringsförmedlare eller
försäkringsförmedlare som bedriver förmedling som sidoverksamhet överträder sådana lagar eller andra författningar som
antagits i den medlemsstaten enligt bestämmelserna i kapitlen V och VI, får den myndigheten föreslå nödvändiga åtgärder.
2.
Om värdmedlemsstatens behöriga myndighet har skäl att anse att en försäkrings- eller återförsäkringsförmedlare eller
försäkringsförmedlare som bedriver förmedling som sidoverksamhet som verkar på dess territorium via ett etableringsställe
överträder någon av de skyldigheter som anges i detta direktiv och om den behöriga myndigheten inte är ansvarig i enlighet
med artikel 7.2, ska den meddela dessa slutsatser till hemmedlemsstatens behöriga myndighet. Efter att ha gjort en
bedömning av den information som mottagits ska den behöriga myndigheten i hemmedlemsstaten i förekommande fall och
så snart det är möjligt vidta erforderliga åtgärder för att avhjälpa bristerna. Den ska underrätta värdmedlemsstatens
behöriga myndighet om eventuella sådana vidtagna åtgärder.
3.
Om försäkrings- eller återförsäkringsförmedlaren eller den försäkringsförmedlare som bedriver förmedling som
sidoverksamhet – trots de åtgärder som vidtagits av hemmedlemsstaten eller på grund av att åtgärderna visat sig vara
otillräckliga eller inte vidtagits – fortsätter att agera på ett sätt som tydligt skadar intressena för värdmedlemsstatens
konsumenter i stort eller hindrar försäkrings- och återförsäkringsmarknaderna att fungera väl, får den behöriga
myndigheten i värdmedlemsstaten, efter att ha informerat den behöriga myndigheten i hemmedlemsstaten, vidta
erforderliga åtgärder för att förhindra ytterligare avvikelser, inklusive att – i den mån som det är helt nödvändigt – hindra
den berörda förmedlaren att fortsätta bedriva ny verksamhet inom dess territorium.
Vidare får den behöriga myndigheten i hemmedlemsstaten eller värdmedlemsstaten hänskjuta ärendet till Eiopa och begära
dess biträde i enlighet med artikel 19 i förordning (EU) nr 1094/2010. I detta fall kan Eiopa agera i enlighet med de
befogenheter myndigheten tilldelats genom den artikeln.
4.
Punkterna 2 och 3 får inte påverka möjligheterna för värdmedlemsstaten att vidta erforderliga och icke-
diskriminerande åtgärder för att inom sitt territorium förhindra eller bestraffa överträdelser, i situationer där omedelbar
åtgärd krävs för att skydda konsumenternas rättigheter i värdmedlemsstaten, när motsvarande åtgärder är otillräckliga eller
saknas i hemmedlemsstaten. I sådana situationer ska värdmedlemsstaten ha möjligheten att hindra den berörda försäkrings-
eller återförsäkringsförmedlaren eller den försäkringsförmedlare som bedriver förmedling som sidoverksamhet att bedriva
ny verksamhet inom dess territorium.
5.
Information om åtgärder som vidtagits av de behöriga myndigheterna i värdmedlemsstaten enligt denna artikel ska
utan oskäligt dröjsmål meddelas den berörda försäkrings- eller återförsäkringsförmedlaren eller försäkringsförmedlaren som
bedriver förmedling som sidoverksamhet – tillsammans med en vederbörlig motivering – samt den behöriga myndigheten i
hemmedlemsstaten, Eiopa och kommissionen.
Artikel 9
Befogenheter när det gäller nationella bestämmelser som utfärdats med hänsyn till allmänintresset
1.
Detta direktiv ska inte påverka möjligheterna för värdmedlemsstaterna att – i den mån som det är helt nödvändigt –
vidta erforderliga och icke-diskriminerande åtgärder för att inom sitt territorium bestraffa överträdelser som inte är
förenliga med deras rättsliga bestämmelser som avses i artikel 11.1. I sådana situationer ska värdmedlemsstaterna ha
möjligheten att hindra den berörda försäkrings- eller återförsäkringsförmedlaren eller försäkringsförmedlaren som bedriver
förmedling som sidoverksamhet att bedriva ny verksamhet inom deras territorier.
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2.
Vidare ska detta direktiv inte påverka möjligheterna för värdmedlemsstatens behöriga myndighet att vidta erforderliga
åtgärder för att hindra en försäkringsdistributör som är etablerad i en annan medlemsstat att bedriva verksamhet inom dess
territorium inom ramen för friheten att tillhandahålla tjänster eller, i tillämpliga fall, etableringsfriheten, om verksamheten
i fråga helt eller huvudsakligen är inriktad på värdmedlemsstatens territorium med enda syfte att kringgå de rättsliga
bestämmelser som skulle vara tillämpliga om den berörda försäkringsdistributören hade sin hemvist eller sitt säte i den
värdmedlemsstaten, och om dess verksamhet dessutom allvarligt hotar försäkrings- och återförsäkringsmarknadernas sätt
att fungera i värdmedlemsstaten med avseende på konsumentskyddet. I ett sådant fall får värdmedlemsstatens behöriga
myndighet, efter att ha informerat hemmedlemsstatens behöriga myndighet, vidta alla erforderliga åtgärder gentemot den
försäkringsdistributören i fråga för att skydda konsumenternas rättigheter i värdmedlemsstaten. De involverade behöriga
myndigheterna får hänskjuta ärendet till Eiopa och begära dess biträde i enlighet med artikel 19 i förordning (EU) nr 1094/
2010, och i ett sådant fall kan Eiopa agera i enlighet med de befogenheter myndigheten tilldelats genom den artikeln i fall
där värdmedlemsstatens och hemmedlemsstatens behöriga myndigheter inte är överens.
KAPITEL IV
KRAV PÅ ORGANISATION AV VERKSAMHETEN
Artikel 10
Yrkeskrav och krav på organisation av verksamheten
1.
Hemmedlemsstaterna ska se till att försäkrings- och återförsäkringsdistributörer och anställda hos försäkrings- och
återförsäkringsföretag som utför försäkrings- eller återförsäkringsdistributionsverksamhet har lämplig kunskap och
kompetens så att de kan fullgöra sina uppgifter och skyldigheter på ett tillfredsställande sätt.
2.
Hemmedlemsstaterna ska se till att försäkrings- och återförsäkringsförmedlare, anställda hos försäkrings- och
återförsäkringsföretag och anställda hos försäkrings- och återförsäkringsförmedlare uppfyller kraven på fortlöpande
fortbildning och yrkesutveckling så att de kan utföra sina arbetsuppgifter på ett tillfredsställande sätt som motsvarar deras
roll och den relevanta marknaden.
I det avseendet ska hemmedlemsstaterna införa och offentliggöra processer för att på ett ändamålsenligt sätt kontrollera och
bedöma kunskapen och kompetensen hos försäkrings- och återförsäkringsförmedlare, anställda hos försäkrings- och
återförsäkringsföretag och anställda hos försäkrings- och återförsäkringsförmedlare, baserat på minst 15 timmars
fortbildning eller yrkesutveckling per år, med beaktande av de sålda produkternas karaktär, typen av distributör,
personernas respektive roller och den verksamhet som bedrivs inom försäkrings- eller återförsäkringsdistributören.
Hemmedlemsstaten får föreskriva att ett framgångsrikt fullgörande av den erfordrade fortbildningen och yrkesutvecklingen
styrks genom ett intyg.
Medlemsstaterna ska anpassa kraven på kunskaper och kompetens i förhållande till försäkrings- eller återförsäkrings-
distributörernas särskilda verksamhet och till de produkter som distribueras, särskilt i fall av försäkringsförmedlare som
bedriver förmedling som sidoverksamhet. Medlemsstaterna får i de fall som avses i artikel 3.1 tredje stycket och för
anställda hos försäkrings- eller återförsäkringsföretag som utför försäkrings- eller återförsäkringsdistribution kräva att
försäkrings- eller återförsäkringsföretaget eller försäkrings- eller återförsäkringsförmedlaren ska kontrollera att förmedlarnas
kunskaper och kompetens stämmer överens med kraven i punkt 1, samt att företaget eller förmedlaren vid behov ska
tillhandahålla sådana förmedlare fortbildnings- eller yrkesutvecklingsresurser som motsvarar de krav som gäller för de
produkter som säljs av dessa förmedlare.
Medlemsstaterna behöver inte tillämpa kravet i punkt 1 och i första stycket i denna punkt på alla fysiska personer som
arbetar på ett försäkrings- eller återförsäkringsföretag eller hos en försäkrings- eller återförsäkringsförmedlare och som
bedriver försäkrings- eller återförsäkringsdistribution, men medlemsstaterna ska säkerställa att de relevanta personerna i
ledningen för sådana företag som ansvarar för distributionen av försäkrings- och återförsäkringsprodukter samt alla andra
personer som direkt deltar i distributionen av försäkringar eller återförsäkringar uppvisar de kunskaper och den kompetens
som krävs för att utföra arbetet.
Försäkrings- och återförsäkringsförmedlare ska uppvisa överensstämmelse med de relevanta yrkeskunskaps- och
kompetenskraven som föreskrivs i bilaga I.
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3.
Fysiska personer som arbetar på ett försäkrings- eller återförsäkringsföretag eller hos en försäkrings- eller
återförsäkringsförmedlare och som utför försäkrings- eller återförsäkringsdistribution ska ha god vandel. Ett minimikrav är
att de inte har några anmärkningar i belastningsregistret eller i något annat motsvarande nationellt register för allvarliga
brott med anknytning till egendomsbrott eller andra brott i samband med ekonomisk verksamhet, och de ska inte tidigare
ha försatts i konkurs, såvida de inte har blivit rehabiliterade i enlighet med nationell rätt.
Medlemsstaterna får i enlighet med artikel 3.1 tredje stycket tillåta att försäkrings- eller återförsäkringsdistributören
kontrollerar att dess anställdas och, i de fall där det är lämpligt, försäkrings- eller återförsäkringsförmedlares vandel är god.
Medlemsstaterna behöver inte tillämpa kravet i första stycket i denna punkt på alla fysiska personer som arbetar på ett
försäkrings- eller återförsäkringsföretag eller hos en försäkrings- eller återförsäkringsförmedlare, förutsatt att dessa fysiska
personer inte är direkt involverade i försäkrings- eller återförsäkringsdistributionen. Medlemsstaterna ska dock säkerställa
att de personer i ledningen som ansvarar för – och personal som är direkt involverad i – försäkrings- eller
återförsäkringsdistributionen uppfyller kravet.
När det gäller försäkringsförmedlare som bedriver förmedling som sidoverksamhet ska medlemsstaterna se till att de
personer som ansvarar för försäkringsdistributionen som sidoverksamhet uppfyller det krav som avses i första stycket.
4.
Försäkrings- och återförsäkringsförmedlare ska ha en ansvarsförsäkring som ska omfatta hela unionens territorium
eller annan likvärdig garanti för ansvar till följd av fel eller försummelse i verksamheten, vilken minst ska täcka 1 250 000
EUR per skada och totalt 1 850 000 EUR för alla skador under ett år, såvida inte en sådan försäkring eller likvärdig garanti
redan tillhandahålls av ett försäkrings- eller återförsäkringsföretag eller annat företag, för vars räkning eller med vars
bemyndigande förmedlaren handlar, eller ett sådant företag har tagit fullt ansvar för förmedlarens handlande.
5.
Medlemsstaterna ska kräva att försäkringsförmedlare som bedriver förmedling som sidoverksamhet ska ha en
ansvarsförsäkring eller likvärdiga garantier på en nivå som fastställs av medlemsstaterna med beaktande av den sålda
produktens karaktär och den verksamhet som bedrivs.
6.
Medlemsstaterna ska vidta alla nödvändiga åtgärder för att skydda kunderna mot försäkrings- eller återförsäkrings-
förmedlarens eller försäkringsförmedlaren som bedriver förmedling som sidoverksamhets oförmåga att överföra premien
till försäkringsföretaget eller att överföra ersättningsbeloppet eller en återbetalning av premien till den försäkrade.
Detta ska göras på något eller flera av följande sätt:
a) Bestämmelser i lag eller avtal, varigenom medel som kunden betalat till förmedlaren ska betraktas som betalade till
företaget, medan medel som företaget betalat till förmedlaren inte ska betraktas som betalade till kunden förrän kunden
verkligen erhåller dem.
b) Ett krav på att förmedlare ska ha ekonomiska resurser som fortlöpande uppgår till 4 % av summan av mottagna
årspremier, dock minst 18 750 EUR.
c) Ett krav på att kundmedel ska överföras via strikt avskilda kundkonton och på att dessa konton inte får användas för att
gottgöra andra fordringsägare i händelse av konkurs.
d) Ett krav på att en garantifond ska upprättas.
7.
Eiopa ska regelbundet se över de belopp som anges i punkterna 4 och 6 med hänsyn till utvecklingen av det
europeiska konsumentprisindex som offentliggörs av Eurostat. Den första översynen ska göras senast den 31 december
2017, och därefter ska en översyn göras vart femte år.
Eiopa ska utarbeta utkast till tekniska standarder för tillsyn angående en anpassning av basbeloppen i euro enligt punkterna
4 och 6 som motsvarar den procentuella ändringen av det index som avses i första stycket i denna punkt från den 1 januari
2013 till den 31 december 2017 eller från dagen för den senaste översynen till dagen för den nya översynen, och beloppet
ska avrundas uppåt till närmaste 10-tal euro.
Eiopa ska lägga fram dessa utkast till tekniska standarder för tillsyn för kommissionen senast den 30 juni 2018, och därefter
ska de kommande utkasten till tekniska standarder för tillsyn läggas fram vart femte år.
Kommissionen ska ges befogenhet att anta de tekniska standarder för tillsyn som avses i andra och tredje stycket i denna
punkt i enlighet med artiklarna 10–14 i förordning (EU) nr 1094/2010.
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8.
För att säkerställa överensstämmelse med kraven i punkterna 1, 2 och 3, ska försäkrings- och återförsäkringsföretagen
godkänna, genomföra och regelbundet se över sina interna policyer och erforderliga interna förfaranden.
Försäkrings- och återförsäkringsföretagen ska ta fram en funktion för att säkerställa ett korrekt genomförande av de policyer
och förfaranden som godkänts.
Försäkrings- och återförsäkringsföretagen ska inrätta, upprätthålla och uppdatera register för all relevant dokumentation
med avseende på tillämpningen av punkterna 1, 2 och 3. Försäkrings- och återförsäkringsföretagen ska på begäran lämna ut
namnet på den person som ansvarar för nämnda funktion till hemmedlemsstatens behöriga myndighet.
Artikel 11
Offentliggörande av bestämmelser för att skydda allmänintresset
1.
Medlemsstaterna ska säkerställa att deras behöriga myndigheter på lämpligt sätt offentliggör de relevanta nationella
bestämmelser för att skydda allmänintresset som är tillämpliga på bedrivande av försäkrings- och återförsäkrings-
distribution på deras territorier, inklusive information om huruvida och hur medlemsstaten har valt att tillämpa de
strängare bestämmelser som anges i artikel 29.3.
2.
En medlemsstat som önskar tillämpa och redan tillämpar bestämmelser om försäkringsdistribution som går utöver de
bestämmelser som anges i detta direktiv ska säkerställa att den administrativa bördan av dessa bestämmelser står i
proportion till behovet av konsumentskydd. Medlemsstaten ska kontinuerligt övervaka dessa bestämmelser så att de
fortlöpande är förenliga med denna punkt.
3.
Eiopa ska på sin webbplats ange länkar till webbplatser för de behöriga myndigheterna där information om
bestämmelser för att skydda allmänintresset offentliggörs. De nationella behöriga myndigheterna ska uppdatera sådan
information regelbundet, och Eiopa ska göra den tillgänglig på sin webbplats, där samtliga nationella bestämmelser för att
skydda allmänintresset ska kategoriseras i olika, relevanta rättsområden.
4.
Medlemsstaterna ska inrätta en enda kontaktpunkt som ska ansvara för tillhandahållande av information om
bestämmelser för att skydda allmänintresset i respektive medlemsstat. En lämplig behörig myndighet bör utgöra en sådan
kontaktpunkt.
5.
Eiopa ska före den 23 februari 2019 i en rapport granska och informera kommissionen om de bestämmelser för att
skydda allmänintresset som offentliggjorts av medlemsstaterna i enlighet med denna artikel, mot bakgrund av behovet av
att detta direktiv och den inre marknaden fungerar väl.
Artikel 12
Behöriga myndigheter
1.
Medlemsstaterna ska utse de behöriga myndigheter som har befogenhet att se till att detta direktiv genomförs.
Medlemsstaterna ska underrätta kommissionen om detta, med uppgift om eventuell ansvarsuppdelning.
2.
De myndigheter som avses i punkt 1 i denna artikel ska vara antingen offentliga myndigheter eller organ som erkänts i
nationell rätt eller av en offentlig myndighet som genom nationell rätt har fått uttrycklig behörighet till detta. De får inte
vara försäkrings- eller återförsäkringsföretag eller sammanslutningar vars medlemmar direkt eller indirekt innefattar
försäkrings- eller återförsäkringsföretag eller försäkrings- eller återförsäkringsförmedlare, utan att detta åsidosätter behöriga
myndigheters och andra organs möjligheter att samarbeta där detta uttryckligen föreskrivs enligt artikel 3.1.
3.
De behöriga myndigheterna ska ha alla de befogenheter som är nödvändiga för att genomföra sina uppgifter enligt
detta direktiv. Om det finns flera behöriga myndigheter på en medlemsstats territorium, ska medlemsstaten sörja för ett
nära samarbete dem emellan, så att de kan utföra sina respektive uppgifter på ett effektivt sätt.
Artikel 13
Samarbete och utbyte av information mellan medlemsstaternas behöriga myndigheter
1.
De behöriga myndigheterna i de olika medlemsstaterna ska samarbeta sinsemellan och utbyta all relevant information
om försäkrings- och återförsäkringsdistributörer för att säkerställa att detta direktiv tillämpas på rätt sätt.
2.
De behöriga myndigheterna ska i synnerhet, såväl inom ramen för registreringsprocessen som fortlöpande, utbyta
relevant information om god vandel, yrkeskunskap och kompetensen hos försäkrings- och återförsäkringsdistributörer.
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3.
De behöriga myndigheterna ska även utbyta information om de försäkrings- och återförsäkringsdistributörer som
blivit föremål för en sådan påföljd eller annan åtgärd som avses i kapitel VII, och om sådan information kan få till följd att
distributören tas bort ur registret över sådana distributörer.
4.
Alla personer som tar emot eller lämnar ut information i samband med detta direktiv ska vara bundna av
tystnadsplikt på det sätt som föreskrivs i artikel 64 i direktiv 2009/138/EG.
Artikel 14
Klagomål
Medlemsstaterna skall se till att det inrättas förfaranden som innebär att kunder och andra berörda parter, särskilt
konsumentorganisationer, kan anmäla klagomål mot försäkrings- och återförsäkringsdistributörer. Den som klagar ska i
samtliga fall erhålla svar.
Artikel 15
Tvistlösning utanför domstol
1.
Medlemsstaterna ska se till att det i enlighet med relevanta unionslagstiftningsakter och nationell rätt inrättas
adekvata, effektiva, opartiska och oberoende förfaranden för klagomål och tvistlösning utanför domstol för att avgöra
tvister mellan kunder och försäkringsdistributörer om rättigheter och skyldigheter enligt detta direktiv, i förekommande fall
med användande av befintliga organ. Medlemsstaterna ska se till att dessa förfaranden är tillämpliga på – och det relevanta
organets behörighet de facto omfattar – försäkringsdistributörer mot vilka förfaranden inleds.
2.
Medlemsstaterna ska säkerställa att de organ som avses i punkt 1 samarbetar för att lösa gränsöverskridande tvister
om rättigheterna och skyldigheterna enligt detta direktiv.
Artikel 16
Begränsning av användningen av förmedlare
Medlemsstaterna ska se till att försäkrings- och återförsäkringsföretag och förmedlare, när de utnyttjar tjänster från
försäkrings- eller återförsäkringsförmedlare eller försäkringsförmedlare som bedriver förmedling som sidoverksamhet,
endast utnyttjar sådana försäkringsdistributionstjänster och återförsäkringsdistributionstjänster som tillhandahålls av
registrerade försäkrings- och återförsäkringsförmedlare eller försäkringsförmedlare som bedriver förmedling som
sidoverksamhet inbegripet dem som avses i artikel 1.3.
KAPITEL V
INFORMATIONSKRAV OCH UPPFÖRANDEREGLER
Artikel 17
Allmän princip
1.
Medlemsstaterna ska se till att försäkringsdistributörer, när de utför försäkringsdistribution, alltid agerar hederligt,
rättvist och professionellt i enlighet med sina kunders bästa intresse.
2.
Utan att det påverkar Europaparlamentets och rådet direktiv 2005/29/EG (1) ska medlemsstaterna säkerställa att all
information med anknytning till innehållet i detta direktiv, däribland marknadsföringsmaterial, som försäkringsdistributörer
skickar till kunder eller presumtiva kunder ska vara opartisk, tydlig och inte vilseledande. Marknadsföringsmaterial ska alltid
klart och tydligt kunna identifieras som sådant.
3.
Medlemsstaterna ska säkerställa att försäkringsdistributörer inte erhåller ersättning, och inte ersätter eller bedömer
sina anställdas prestationer, på ett sätt som står i strid med skyldigheten att agera i enlighet med kundernas bästa intresse. I
synnerhet får en försäkringsdistributör inte införa system med ersättningar, försäljningsmål eller annat som skulle kunna ge
vederbörande eller sina anställda incitament att rekommendera en kund en viss försäkringsprodukt när försäkrings-
distributören skulle kunna erbjuda en annan försäkringsprodukt som bättre skulle motsvara kundens behov.
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Europaparlamentets och rådets direktiv 2005/29/EG av den 11 maj 2005 om otillbörliga affärsmetoder som tillämpas av
näringsidkare gentemot konsumenter på den inre marknaden och om ändring av rådets direktiv 84/450/EEG och
Europaparlamentets och rådets direktiv 97/7/EG, 98/27/EG och 2002/65/EG samt Europaparlamentets och rådets förordning
(EG) nr 2006/2004 (direktiv om otillbörliga affärsmetoder) (EUT L 149, 11.6.2005, s. 22).
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Artikel 18
Allmän information som ska lämnas av försäkringsförmedlaren eller försäkringsföretaget
Medlemsstaterna ska säkerställa följande:
a) Försäkringsförmedlare ska i god tid innan ett försäkringsavtal ingås lämna följande information till kunder:
i) Sin identitet och adress och att den är en försäkringsförmedlare.
ii) Uppgift om huruvida den tillhandahåller rådgivning om de försäkringsprodukter som säljs.
iii) De förfaranden som avses i artikel 14, genom vilka kunder och andra berörda parter kan anmäla klagomål mot
försäkringsförmedlare, och uppgift om de förfaranden för klagomål och tvistlösning utanför domstol som avses i
artikel 15.
iv) Det register där den finns med och hur det kan kontrolleras att den är registrerad.
v) Uppgift om huruvida förmedlaren företräder kunden eller agerar för försäkringsföretagets räkning.
b) Försäkringsföretag ska i god tid innan ett försäkringsavtal ingås lämna följande information till kunder:
i) Sin identitet och adress och att det är ett försäkringsföretag.
ii) Uppgift om huruvida företaget tillhandahåller rådgivning om de försäkringsprodukter som säljs.
iii) De förfaranden som avses i artikel 14, genom vilka kunder och andra berörda parter kan anmäla klagomål mot
försäkringsföretag, och uppgift om de förfaranden för klagomål och tvistlösning utanför domstol som avses i
artikel 15.
Artikel 19
Intressekonflikter och öppenhet
1.
Medlemsstaterna ska se till att försäkringsförmedlare i god tid innan ett försäkringsavtal ingås lämnar information till
kunden om åtminstone följande:
a) Om förmedlaren, direkt eller indirekt, innehar 10 % eller mer av rösterna eller av kapitalet i ett visst försäkringsföretag.
b) Om ett visst försäkringsföretag eller ett moderbolag till ett visst försäkringsföretag, direkt eller indirekt, innehar 10 %
eller mer av rösterna eller av kapitalet i försäkringsförmedlaren.
c) I förhållande till det avtal som föreslås eller som det ges rådgivning om, uppgift om huruvida
i) den lämnar rådgivning på grundval av en opartisk och personlig analys,
ii) den är avtalsenligt förpliktad att bedriva försäkringsdistributionsverksamhet uteslutande med ett eller flera
försäkringsföretag, i vilket fall den ska ange namnen på dessa försäkringsföretag, eller
iii) den inte är avtalsenligt förpliktad att bedriva försäkringsdistributionsverksamhet uteslutande med ett eller flera
försäkringsföretag och inte lämnar rådgivning på grundval av en opartisk och personlig analys, i vilket fall den ska
ange namnen på de försäkringsföretag med vilka han eller hon får bedriva och bedriver verksamhet.
d) Arten av den ersättning som mottas för försäkringsavtalet.
e) Uppgift om huruvida den avseende försäkringsavtalet arbetar
i) på grundval av ett arvode, dvs. att ersättningen betalas direkt av kunden,
ii) på grundval av en provision av något slag, dvs. att ersättningen ingår i försäkringspremien,
iii) på grundval av någon annan typ av ersättning, innefattandes ekonomiska ersättningar av alla slag, som erbjuds eller
utbetalas i samband med försäkringsavtalet, eller
iv) på grundval av en kombination av de ersättningstyper som anges i leden i, ii och iii.
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2.
Om arvodet ska betalas direkt av kunden ska försäkringsförmedlaren informera kunden om arvodets storlek, eller om
det inte är möjligt, om metoden för att beräkna arvodet.
3.
Även i de fall kunden gör andra betalningar inom ramen för försäkringsavtalet efter dess ingående än löpande
premieinbetalningar och andra planmässiga betalningar, ska försäkringsförmedlaren lämna information i enlighet med
denna artikel i samband med varje sådan betalning.
4.
Medlemsstaterna ska säkerställa att varje försäkringsföretag i god tid innan ett försäkringsavtal ingås lämnar
information till kunden om arten av den ersättning som mottas av dess anställda för försäkringsavtalet.
5.
Även i de fall kunden gör andra betalningar inom ramen för försäkringsavtalet efter dess ingående än löpande
premieinbetalningar och andra planmässiga betalningar, ska försäkringsföretaget lämna information i enlighet med denna
artikel i samband med varje sådan betalning.
Artikel 20
Rådgivning och normer för försäljning utan rådgivning
1.
Innan ett försäkringsavtal ingås ska försäkringsdistributören på grundval av de uppgifter som erhållits från kunden
specificera kundens krav och behov och ge kunden objektiv information om försäkringsprodukten på ett förståeligt sätt så
att kunden kan fatta ett välgrundat beslut.
Varje avtal som föreslås ska vara förenligt med kundens krav och behov i fråga om försäkringsskydd.
Om rådgivning ges innan ett visst avtal ingås ska försäkringsdistributören tillhandahålla kunden en personlig
rekommendation, med en förklaring av varför en viss produkt bäst motsvarar kundens krav och behov.
2.
De uppgifter som avses i punkt 1 ska anpassas till den föreslagna försäkringsproduktens komplexitet och typen av
kund.
3.
När en försäkringsförmedlare informerar kunden om att den ger råd på grundval av en opartisk och personlig analys,
ska den ge detta råd på grundval av en analys av ett tillräckligt stort antal försäkringsavtal tillgängliga på marknaden för att
möjliggöra för den att ge en personlig rekommendation i enlighet med yrkesmässiga kriterier om vilket försäkringsavtal
som i tillräcklig utsträckning skulle motsvara kundens behov.
4.
Utan att det påverkar tillämpningen av artiklarna 183 och 184 i direktiv 2009/138/EG ska försäkringsdistributören
innan ett avtal ingås, oavsett om rådgivning lämnas och oberoende av huruvida försäkringsprodukten är en del av ett paket
enligt artikel 24 i det här direktivet, ge kunden relevant information om försäkringsprodukten på ett förståeligt sätt så att
denne kan fatta ett välgrundat beslut, samtidigt som försäkringsdistributören beaktar försäkringsproduktens komplexitet
och typen av kund.
5.
I förhållande till distribution av skadeförsäkringsprodukter enligt förteckningen i bilaga I till direktiv 2009/138/EG
ska informationen som avses i punkt 4 i denna artikel ges i form av ett standardiserat produktfaktablad för
försäkringsprodukter, på papper eller något annat varaktigt medium.
6.
Det produktfaktablad för försäkringsprodukter som avses i punkt 5 ska upprättas av utvecklaren av skadeförsäk-
ringsprodukten.
7.
Produktfaktabladet för försäkringsprodukter ska
a) vara en kortfattad och separat handling,
b) vara presenterad och utformad så att den är tydlig och lättläst, med tillräckligt stora tecken,
c) inte vara svårare att läsa ifall originalet är utformat i färg men utskrivet eller kopierat i svartvitt,
d) vara avfattat på de officiella språken, eller på ett av de officiella språken, använt i den del av medlemsstaten där
försäkringsprodukten distribueras, eller på ett annat språk som konsumenten och distributören har kommit överens om,
e) vara korrekt och inte vilseledande,
f) vara försedd med titeln Produktfaktablad för försäkringsprodukten överst på första sidan,
g) inbegripa en hänvisning till att komplett information om produkten före och efter ingående av avtalet finns att tillgå i
andra dokument.
Medlemsstaterna får fastställa att produktfaktabladet för försäkringsprodukten ska tillhandahållas tillsammans med
information som krävs enligt andra relevanta unionslagstiftningsakter eller nationell rätt, under förutsättning att alla krav
enligt första stycket är uppfyllda.
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8.
Produktfaktabladet för försäkringsprodukter ska innehålla följande uppgifter:
a) Information om typen av försäkring.
b) En sammanfattning av försäkringsskyddet, inbegripet de huvudsakliga risker som försäkras, försäkringsbeloppet och, i
tillämpliga fall, den geografiska räckvidden och en sammanfattning av undantagna risker.
c) Hur premier ska betalas och premieperioder.
d) Huvudsakliga undantag, för vilka inga krav på ersättning kan framställas.
e) Skyldigheter då avtalet börjar gälla.
f) Skyldigheter under avtalets löptid.
g) Skyldigheter i fall av krav på ersättning.
h) Avtalsvillkor, inklusive avtalets start- och slutdatum.
i) Hur avtalet kan sägas upp.
9.
Efter att ha såväl samrått med nationella myndigheter som genomfört konsumenttester ska Eiopa utarbeta utkast till
tekniska standarder för genomförande med avseende på ett standardiserat presentationsformat för produktfaktablad för
försäkringsprodukter med närmare uppgifter om presentationen av de uppgifter som avses i punkt 8.
Eiopa ska lägga fram dessa utkast till tekniska standarder för genomförande för kommissionen senast den 23 februari 2017.
Kommissionen ska ges befogenhet att anta de tekniska standarder för genomförande som avses i första stycket i denna
punkt i enlighet med artikel 15 i förordning (EU) nr 1094/2010.
Artikel 21
Information som ska lämnas av försäkringsförmedlare som bedriver förmedling som sidoverksamhet
Medlemsstaterna ska se till att försäkringsförmedlare som bedriver förmedling som sidoverksamhet agerar i enlighet med
artiklarna 18 a i, 18 a iii, 18 a iv och 19.1 d.
Artikel 22
Undantag från informationsplikt och flexibilitetsregel
1.
Den information som avses i artiklarna 18, 19 och 20 behöver inte lämnas när försäkringsdistributören bedriver
distributionsverksamhet med anknytning till försäkringar mot stora risker.
Medlemsstaterna får föreskriva att den information som avses i artiklarna 29 och 30 i det här direktivet inte behöver lämnas
till en professionell kund enligt definitionen i artikel 4.1.10 i direktiv 2014/65/EU.
2.
Medlemsstaterna får behålla eller anta striktare bestämmelser avseende de informationskrav som avses i detta kapitel,
förutsatt att dessa bestämmelser överensstämmer med unionsrätten. Medlemsstaterna ska informera Eiopa och
kommissionen om dessa nationella bestämmelser.
Medlemsstaterna ska även vidta nödvändiga åtgärder för att säkerställa att deras behöriga myndigheter på lämpligt sätt
offentliggör informationen om huruvida och hur respektive medlemsstat har valt att tillämpa striktare bestämmelser enligt
denna punkt.
I synnerhet får medlemsstaterna göra den tillhandahållande av rådgivning som avses i artikel 20.1 tredje stycket obligatorisk
för försäljning av försäkringsprodukter, eller för vissa typer av försäkringsprodukter. I ett sådant fall ska dessa striktare
nationella bestämmelser följas av försäkringsdistributörerna, däribland distributörer som är verksamma inom ramen för
friheten att tillhandahålla tjänster eller etableringsfriheten, om de ingår försäkringsavtal med kunder som har sin hemvist
eller sitt etableringsställe i den medlemsstaten.
3.
Medlemsstaterna får begränsa eller förbjuda godtagande eller mottagande av arvode, provisioner eller andra monetära
ersättningar eller icke-monetära ersättningar som utbetalas till eller tillhandahålls försäkringsdistributörerna av någon
tredjepart, eller av en person som agerar för tredjeparts räkning, i samband med distribution av försäkringsprodukter.
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4.
För att på alla sätt åstadkomma en hög grad av insyn ska Eiopa se till att de nationella bestämmelser som den
informeras om även meddelas kunderna och försäkrings- och återförsäkringsdistributörerna.
5.
Om försäkringsdistributören är ansvarig för tillhandahållandet av obligatoriska tjänstepensionssystem och en anställd
ansluts till ett sådant system utan att ha fattat ett individuellt beslut om att ansluta sig, ska medlemsstaterna säkerställa att
den information som avses i detta kapitel tillhandahålls den anställde utan dröjsmål efter anslutningen till det berörda
systemet.
Artikel 23
Former för informationen
1.
All information som ska lämnas i enlighet med artiklarna 18, 19, 20 och 29 ska meddelas kunderna
a) på papper,
b) klart och korrekt på ett sätt som är förståeligt för kunden,
c) på ett officiellt språk i den medlemsstat där risken är belägen eller den medlemsstat där åtagandet görs eller på ett annat
språk som parterna har kommit överens om, och
d) kostnadsfritt.
2.
Genom undantag från punkt 1 a i den här artikeln får den information som avses i artiklarna 18, 19, 20 och 29
lämnas till kunden på ett av följande medier:
a) På ett varaktigt medium annat än papper, när villkoren i punkt 4 i den här artikeln är uppfyllda.
b) På en webbplats, när villkoren i punkt 5 i den här artikeln är uppfyllda.
3.
När den information som avses i artiklarna 18, 19, 20 och 29 lämnas på ett varaktigt medium annat än papper eller
på en webbplats ska emellertid på begäran ett pappersexemplar lämnas till kunden gratis.
4.
Den information som avses i artiklarna 18, 19, 20 och 29 får lämnas på ett varaktigt medium annat än papper när
följande villkor är uppfyllda:
a) Användningen av det varaktiga mediet är lämplig med hänsyn till de affärsförbindelser som råder mellan
försäkringsdistributören och kunden.
b) Kunden har fått välja mellan information på papper och på ett varaktigt medium, och har valt det sistnämnda.
5.
Den information som avses i artiklarna 18, 19, 20 och 29 får lämnas på en webbplats om den tillställs kunden
personligen eller om följande villkor är uppfyllda:
a) Lämnandet av den informationen på en webbplats är lämpligt med hänsyn till de affärsförbindelser som råder mellan
försäkringsdistributören och kunden.
b) Kunden har gått med på att den informationen lämnas på en webbplats.
c) Kunden har på elektronisk väg underrättats om adressen till webbplatsen och den plats på webbplatsen där denne kan få
tillträde till den informationen.
d) Det är säkerställt att den informationen är tillgänglig på webbplatsen under en så lång period som kunden rimligen kan
förväntas behöva den.
6.
För tillämpningen av punkterna 4 och 5 ska lämnandet av information på ett varaktigt medium annat än papper eller
på en webbplats anses vara lämpligt med hänsyn till de affärsförbindelser som råder mellan försäkringsdistributören och
kunden, om det finns bevisning för att kunden har regelbunden tillgång till internet. Om kunden tillhandahåller en e-
postadress för affärsförbindelserna i fråga ska detta betraktas som sådan bevisning.
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7.
Vid telefonförsäljning ska den information som lämnats till kunden av försäkringsdistributören före avtalets ingående,
inklusive produktfaktabladet för försäkringsprodukten, överensstämma med unionsregler som är tillämpliga på
distansförsäljning av finansiella tjänster till konsumenter. Dessutom ska information lämnas av försäkringsdistributören
till kunden i enlighet med punkt 1 eller 2 omedelbart efter det att försäkringsavtalet har ingåtts, även om kunden i enlighet
med punkt 4 har valt att få förhandsinformation på ett annat varaktigt medium än papper.
Artikel 24
Korsförsäljning
1.
När en försäkringsprodukt erbjuds tillsammans med en annan, underordnad produkt eller tjänst som inte är en
försäkring – som en del av ett paket eller av ett och samma avtal – ska försäkringsdistributören informera kunden om
huruvida det är möjligt att köpa de olika beståndsdelarna separat, och, om detta är möjligt, ge en adekvat beskrivning av de
olika beståndsdelarna i avtalet eller paketet samt lämna separata uppgifter om kostnader och avgifter för respektive
beståndsdel.
2.
Under de omständigheter som avses i punkt 1, och om risken eller försäkringsskyddet i ett sådant avtal eller paket
som erbjuds en kund skiljer sig från den risk eller det försäkringsskydd som beståndsdelarna medför var för sig, ska
försäkringsdistributören ge en adekvat beskrivning av de olika beståndsdelarna i avtalet eller paketet och av det sätt på vilket
deras inbördes samspel medför ändringar av risken eller försäkringsskyddet.
3.
Om en försäkringsprodukt är underordnad en vara eller en tjänst som inte är en försäkring – som en del av ett paket
eller av ett och samma avtal – ska försäkringsdistributören erbjuda kunden möjligheten att köpa varan eller tjänsten separat.
Denna punkt ska inte tillämpas om en försäkringsprodukt är underordnad en investeringstjänst eller investerings-
verksamhet enligt definitionen i artikel 4.1.2 i direktiv 2014/65/EU, ett kreditavtal enligt definitionen i artikel 4.3 i
Europaparlamentets och rådets direktiv 2014/17/EU (1) eller ett betalkonto enligt definitionen i artikel 2.3 i Europa-
parlamentets och rådets direktiv 2014/92/EU (2).
4.
Eiopa får utforma riktlinjer för granskning och tillsyn av metoder för korsförsäljning, och ange de situationer där
korsförsäljning inte är förenlig med skyldigheterna enligt artikel 17.
5.
Denna artikel får inte förhindra distribution av försäkringsprodukter som täcker flera olika risker.
6.
I de fall som avses i punkterna 1 och 3 ska medlemsstaterna se till att försäkringsdistributören specificerar kundens
krav och behov med avseende på försäkringsprodukter som utgör en del av det övergripande paketet eller av ett och samma
avtal.
7.
Medlemsstaterna får behålla eller anta ytterligare, striktare bestämmelser eller ingripa från fall till fall för att förbjuda
försäljning av försäkringar tillsammans med sidotjänster eller sidoprodukter som inte är försäkringar – som en del av ett
paket eller av ett och samma avtal – om de kan visa att sådan verksamhet är negativ för konsumenterna.
Artikel 25
Produkttillsyn och krav på styrning
1.
Försäkringsföretag samt förmedlare som utvecklar försäkringsprodukter för försäljning till kunder ska upprätthålla,
sköta och se över processen med att godkänna varje försäkringsprodukt eller varje betydande anpassning av en befintlig
försäkringsprodukt innan den marknadsförs eller distribueras till kunder.
Produktgodkännandeprocessen ska vara proportionerlig och ändamålsenlig i förhållande till arten av försäkringsprodukt.
Produktgodkännandeprocessen ska inbegripa angivande av en fastställd målmarknad för varje produkt, säkerställa att det
gjorts en bedömning av alla relevanta risker för den fastställda målmarknaden, och att den avsedda distributionsstrategin är
förenlig med den fastställda målmarknaden och att rimliga åtgärder vidtagits för att se till att försäkringsprodukten
distribueras till den fastställda målmarknaden.
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(1)
Europaparlamentets och rådets direktiv Ǎ8av den 4 februari 2014 om konsumentkreditavtal som avser bostadsfastighet
och om ändring av direktiven 2008/48/EG och 2013/36/EU och förordning (EU) nr 1093/2010 (EUT L 60, 28.2.2014, s. 34).
(2)
Europaparlamentets och rådets direktiv 2014/92/EU av den 23 juli 2014 om jämförbarhet för avgifter som avser betalkonto, byte
av betalkonto och tillgång till betalkonto med grundläggande funktioner (EUT L 257, 28.8.2014, s. 214).
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Försäkringsföretaget ska förstå och regelbundet se över de försäkringsprodukter som det erbjuder eller marknadsför, med
beaktande av alla händelser som väsentligt skulle kunna påverka den potentiella risken för den fastställda målmarknaden,
för att åtminstone bedöma huruvida produkten fortfarande är förenlig med den fastställda målmarknadens behov och
huruvida den avsedda distributionsstrategin fortfarande är lämplig.
Försäkringsföretag samt förmedlare som utvecklar försäkringsprodukter ska ge varje distributör all erforderlig information
om försäkringsprodukten och produktgodkännandeprocessen, inbegripet den fastställda målmarknaden för försäkrings-
produkten.
Om en försäkringsdistributör lämnar rådgivning om eller föreslår försäkringsprodukter som den inte själv utvecklar ska den
införa adekvata system för att erhålla den information som avses i femte stycket och för att förstå egenskaperna och de
fastställda målmarknaderna för varje försäkringsprodukt.
2.
Kommissionen ska ges befogenhet att anta delegerade akter enligt artikel 38 för att närmare specificera de principer
som anges i denna artikel, med proportionerligt beaktande av det sätt på vilket verksamheten bedrivs, arten av sålda
försäkringsprodukter och arten av distributör.
3.
De strategier, processer och system som avses i den här artikeln ska inte påverka några andra krav enligt detta direktiv,
inbegripet kraven avseende information, lämplighet eller ändamålsenlighet, identifiering och hantering av intressekonflikter
samt incitament.
4.
Denna artikel ska inte tillämpas på försäkringsprodukter som utgör försäkringar mot stora risker.
KAPITEL VI
YTTERLIGARE KRAV FÖR FÖRSÄKRINGSBASERADE INVESTERINGSPRODUKTER
Artikel 26
Tillämpningsområde för ytterligare krav
I detta kapitel fastställs krav på försäkringsdistribution, utöver de krav som är tillämpliga på försäkringsdistribution i
enlighet med artiklarna 17, 18, 19 och 20, när försäkringsdistributionen bedrivs i samband med försäljning av
försäkringsbaserade investeringsprodukter av
a) en försäkringsförmedlare,
b) ett försäkringsföretag.
Artikel 27
Förebyggande av intressekonflikter
Utan att det påverkar tillämpningen av artikel 17 ska en försäkringsförmedlare eller ett försäkringsföretag som utför
distribution av försäkringsbaserade investeringsprodukter fastställa och tillämpa effektiva organisatoriska och administ-
rativa förfaranden så att alla rimliga mått och steg vidtas för att förhindra att deras kunders intressen påverkas negativt av
intressekonflikter enligt definitionen i artikel 28. Dessa system ska vara proportionerliga i förhållande till den verksamhet
som bedrivs, de försäkringsprodukter som säljs och arten av distributör.
Artikel 28
Intressekonflikter
1.
Medlemsstaterna ska säkerställa att försäkringsförmedlare och försäkringsföretag vidtar alla lämpliga åtgärder för att
identifiera intressekonflikter mellan å ena sidan dem själva, inbegripet deras ledning och personal eller varje annan person
med direkt eller indirekt koppling till dem genom kontroll, och å andra sidan deras kunder, eller mellan två kunder, som
uppstår vid bedrivande av försäkringsdistributionsverksamhet.
2.
Om de organisatoriska eller administrativa system som försäkringsförmedlaren eller försäkringsföretaget infört i
enlighet med artikel 27 för att hantera intressekonflikter inte räcker till för att rimligen kunna förhindra riskerna för att
kundernas intressen skadas, ska försäkringsförmedlaren eller försäkringsföretaget klart och tydligt informera kunden om
intressekonflikternas allmänna karaktär eller ursprung i god tid innan ett försäkringsavtal ingås.
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3.
Med avvikelse från vad som anges i artikel 23.1 ska den information som avses i punkt 2 i den här artikeln
a) lämnas på ett varaktigt medium, och
b) innehålla tillräckligt detaljerade uppgifter, med beaktande av kundens art, för att kunden ska kunna fatta ett välgrundat
beslut om den försäkringsdistributionsverksamhet inom vars ram intressekonflikten uppstår.
4.
Kommissionen ska ges befogenhet att anta delegerade akter enligt artikel 38 för att
a) ange de åtgärder som försäkringsförmedlare och försäkringsföretag rimligen kan förväntas genomföra för att identifiera,
förebygga, hantera och informera om intressekonflikter när de bedriver försäkringsdistributionsverksamhet,
b) upprätta lämpliga kriterier för bestämning av vilka typer av intressekonflikter som kan vara till skada för
försäkringsförmedlares eller försäkringsföretags kunders eller presumtiva kunders intressen.
Artikel 29
Information till kunder
1.
Utan att det påverkar tillämpningen av artiklarna 18, 19.1 och 19.2 ska kunder eller presumtiva kunder i god tid
innan ett avtal ingås tillhandahållas lämplig information avseende distributionen av försäkringsbaserade investerings-
produkter samt avseende alla kostnader och tillhörande avgifter. Den informationen ska omfatta åtminstone följande:
a) När rådgivning lämnas: huruvida försäkringsförmedlaren eller försäkringsföretaget kommer att ge kunden en
regelbunden bedömning av lämpligheten hos den försäkringsbaserade investeringsprodukten som det rekommenderar
den kunden, enligt artikel 30.
b) När det gäller information om försäkringsbaserade investeringsprodukter och föreslagna placeringsstrategier: lämplig
vägledning om och varningar för de risker som är förknippade med investeringar i de försäkringsbaserade
investeringsprodukterna eller särskilda föreslagna placeringsstrategier.
c) När det gäller informationen om samtliga kostnader och tillhörande avgifter som ska lämnas: information om
distributionen av den försäkringsbaserade investeringsprodukten, inbegripet eventuell kostnad för rådgivning, kostnaden
för den försäkringsbaserade investeringsprodukt som rekommenderas eller marknadsförs till kunden och information
om hur kunden får betala för den, inbegripet eventuella tredjepartsbetalningar.
Informationen om alla kostnader och avgifter, inbegripet kostnader och avgifter som har samband med distributionen av
den försäkringsbaserade investeringsprodukten, som inte orsakas av förekomsten av underliggande marknadsrisk, ska
räknas samman så att kunden kan förstå den totala kostnaden liksom den kumulativa verkan på investeringens avkastning,
och när kunden så begär, ska en uppdelning av kostnaderna och avgifterna per post ges. Sådan information ska i
förekommande fall ges till kunden regelbundet, och åtminstone årligen, under investeringens hela livscykel.
Den information som avses i denna punkt ska tillhandahållas i begriplig form på ett sådant sätt att kunder eller presumtiva
kunder har rimlig möjlighet att förstå arten av och den risk som är förknippad med den försäkringsbaserade
investeringsprodukt som erbjuds och därigenom är väl informerade inför investeringsbeslutet. Medlemsstaterna får tillåta
att den informationen lämnas i standardiserad form.
2.
Utan att det påverkar tillämpningen av artiklarna 19.1 d och 19.1 e, 19.3 och 22.3 ska medlemsstaterna se till att
försäkringsförmedlare eller försäkringsföretag anses fullgöra sina skyldigheter enligt artiklarna 17.1, 27 eller 28 när de
betalar eller betalas något arvode eller någon provision, eller erbjuder eller erbjuds icke-monetära ersättningar i samband
med distribution av en försäkringsbaserad investeringsprodukt eller en sidotjänst, till eller av någon annan part än kunden
eller en person på kundens vägnar, endast då betalningen eller förmånen
a) inte har någon negativ inverkan på kvaliteten på den relevanta tjänsten till kunden, och
b) inte försämrar försäkringsförmedlarens eller försäkringsföretagets förutsättningar att fullgöra sina skyldigheter att agera
hederligt, rättvist och professionellt i enlighet med sina kunders bästa intresse.
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3.
Medlemsstaterna får ålägga distributörerna strängare krav med avseende på de frågor som omfattas av denna artikel.
Medlemsstaterna får särskilt ytterligare förbjuda eller begränsa erbjudande eller godtagande av arvoden, provisioner eller
icke-monetära ersättningar från tredje part vid tillhandahållande av rådgivning om försäkringar.
Strängare krav kan inbegripa krav på att alla sådana arvoden, provisioner eller icke-monetära ersättningar återlämnas till
kunden eller räknas av mot arvoden som kunden betalar.
Medlemsstaterna får göra den tillhandahållande av rådgivning som avses i artikel 30 obligatorisk för försäljning av
försäkringsbaserade investeringsprodukter, eller för vissa typer av dem.
Medlemsstaterna får föreskriva att försäkringsförmedlare – om de informerar kunder om att rådgivning tillhandahålls på
oberoende grund – ska bedöma ett tillräckligt stort antal av de försäkringsprodukter som är tillgängliga på marknaden, vilka
ska vara tillräckligt diversifierade med avseende på typ och produktleverantörer för att säkerställa att kundens mål på
lämpligt sätt kan tillgodoses, och ska inte vara begränsade till försäkringsprodukter som utfärdats eller tillhandahållits av
enheter som har nära förbindelser med förmedlaren.
De strängare kraven i en medlemsstat som avses i denna punkt ska följas av alla försäkringsförmedlare eller
försäkringsföretag, däribland sådana som är verksamma inom ramen för friheten att tillhandahålla tjänster eller
etableringsfriheten, när försäkringsavtal ingås med kunder som har sin hemvist eller sitt etableringsställe i den
medlemsstaten.
4.
Utan att det påverkar tillämpningen av punkt 3 i den här artikeln ska kommissionen ges befogenhet att anta
delegerade akter enligt artikel 38 för att specificera följande:
a) Kriterierna för bedömning av huruvida incitament som betalats eller mottagits av en försäkringsförmedlare eller ett
försäkringsföretag har en negativ inverkan på kvaliteten på den relevanta tjänsten till kunden.
b) Kriterierna för bedömning av huruvida försäkringsförmedlare och försäkringsföretag som betalar eller mottar incitament
fullgör sina skyldigheter att agera hederligt, rättvist och professionellt i enlighet med sina kunders bästa intresse.
5.
De delegerade akter som avses i punkt 4 ska beakta följande:
a) Arten av de tjänster som kunden eller den presumtiva kunden erbjuds eller tillhandahålls, med beaktande av
transaktionernas typ, föremål, storlek och frekvens.
b) Arten av de produkter som erbjuds eller tas under övervägande, inklusive olika typer av försäkringsbaserade
investeringsprodukter.
Artikel 30
Bedömning av lämplighet och ändamålsenlighet och rapportering till kunder
1.
Utan att det påverkar tillämpningen av artikel 20.1 ska försäkringsförmedlaren eller försäkringsföretaget, när de
tillhandahåller rådgivning om en försäkringsbaserad investeringsprodukt, även inhämta nödvändiga upplysningar om
kundens eller den presumtiva kundens kunskaper och erfarenheter på det relevanta investeringsområdet för den specifika
typen av produkt eller tjänst, den personens finansiella ställning, inbegripet vederbörandes förmåga att bära förluster, och
den personens investeringsmål – inbegripet vederbörandes risktolerans – så att försäkringsförmedlaren eller försäkrings-
företaget kan rekommendera kunden eller den presumtiva kunden de försäkringsbaserade investeringsprodukter som är
lämpliga för den personen och i synnerhet är förenliga med den personens risktolerans och förmåga att bära förluster.
Medlemsstaterna ska säkerställa att, när en försäkringsförmedlare eller ett försäkringsföretag tillhandahåller investerings-
rådgivning med rekommendation om ett paket av kombinerade tjänster eller produkter enligt artikel 24, hela det
kombinerade paketet är lämpligt.
2.
Utan att det påverkar tillämpningen av artikel 20.1 ska medlemsstaterna se till att försäkringsförmedlare eller
försäkringsföretag, när de utför annan försäkringsdistributionsverksamhet än den som avses i punkt 1 i den här artikeln,
i samband med försäljning utan att rådgivning ges, begär att kunden eller den presumtiva kunden lämnar upplysningar om
sin kunskap och erfarenhet på det för den erbjudna eller efterfrågade produkten eller tjänsten relevanta investeringsområdet,
så att försäkringsförmedlaren eller försäkringsföretaget kan bedöma om den tänkta försäkringstjänsten eller försäkrings-
produkten är passande för kunden. När det är fråga om en kombination av tjänster eller produkter enligt artikel 24 ska
bedömningen gälla huruvida hela det kombinerade paketet är lämpligt.
Om försäkringsförmedlaren eller försäkringsföretaget mot bakgrund av de upplysningar som erhållits enligt första stycket
anser att produkten inte är passande för kunden eller den presumtiva kunden, ska försäkringsförmedlaren eller
försäkringsföretaget varna kunden eller den presumtiva kunden därom. Den varningen får lämnas i standardiserad form.
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Om kunder eller presumtiva kunder inte lämnar de upplysningar som avses i första stycket, eller om de lämnar otillräckliga
upplysningar om sin kunskap och erfarenhet, ska försäkringsförmedlaren eller försäkringsföretaget varna dem om att de
inte kan avgöra om den tänkta produkten är passande för dem. Den varningen får lämnas i standardiserad form.
3.
Utan att det påverkar tillämpningen av artikel 20.1 får medlemsstaterna, när ingen rådgivning ges om
försäkringsbaserade investeringsprodukter, göra undantag från de skyldigheter som avses i punkt 2 i den här artikeln
och tillåta försäkringsförmedlare eller försäkringsföretag att utföra försäkringsdistributionsverksamhet inom sitt territorium
utan att de behöver inhämta de upplysningar eller göra en sådan bedömning som avses i punkt 2 i den här artikeln, om
samtliga följande villkor är uppfyllda:
a) Verksamheten avser någon av följande försäkringsbaserade investeringsprodukter:
i) Avtal som endast ger investeringsexponering för finansiella instrument som bedöms som icke-komplexa enligt
direktiv 2014/65/EU och som inte innehåller en struktur som gör det svårt för kunden att förstå den därmed
förbundna risken, eller
ii) andra icke-komplexa försäkringsbaserade investeringsprodukter i enlighet med denna punkt.
b) Försäkringsdistributionen utförs på initiativ av kunden eller den presumtiva kunden.
c) Kunden eller den presumtiva kunden har klart och tydligt informerats om att försäkringsförmedlaren eller
försäkringsföretaget, när de tillhandahåller försäkringsdistributionen, inte behöver bedöma den tillhandahållna eller
erbjudna försäkringsbaserade investeringsproduktens eller den tillhandahållna eller erbjudna försäkringsdistributionens
ändamålsenlighet och att kunden eller den presumtiva kunden därför inte åtnjuter samma skydd som avses i de relevanta
uppförandereglerna. En sådan varning får lämnas i standardiserad form.
d) Försäkringsförmedlaren eller försäkringsföretaget fullgör sina skyldigheter enligt artiklarna 27 och 28.
Alla försäkringsförmedlare eller försäkringsföretag, däribland sådana som utövar verksamhet inom ramen för friheten att
tillhandahålla tjänster eller etableringsfriheten, ska – om de inte tillämpar det undantag som avses i denna punkt – när de
ingår försäkringsavtal med kunder som har sin hemvist eller sitt etableringsställe i en medlemsstat agera i enlighet med de
tillämpliga bestämmelserna i den berörda medlemsstaten.
4.
Försäkringsförmedlaren eller försäkringsföretaget ska upprätta en dokumentation som innehåller de mellan
försäkringsförmedlaren eller försäkringsföretaget och kunden överenskomna handlingarna i vilket eller vilka parternas
rättigheter och skyldigheter anges, samt övriga villkor för försäkringsförmedlarens eller försäkringsföretagets till-
handahållande av tjänster till kunden. Rättigheter och skyldigheter för överenskommelsens parter får ingå i form av
hänvisningar till andra handlingar eller rättsakter.
5.
Försäkringsförmedlaren eller försäkringsföretaget ska på ett varaktigt medium lämna tillfredsställande rapporter till
kunden om de tjänster som tillhandahållits. De rapporteringarna ska inkludera regelbundna meddelanden till kunder, med
beaktande av typen av och komplexiteten hos de aktuella försäkringsbaserade investeringsprodukterna och arten av den
tjänst som tillhandahållits kunden, och ska, i förekommande fall, innehålla uppgifter om kostnaderna för de transaktioner
och tjänster som utförts för kundens räkning.
När försäkringsförmedlare eller försäkringsföretag tillhandahåller rådgivning om en försäkringsbaserad investeringsprodukt
ska de, innan avtalet ingås, lämna ett lämplighetsutlåtande till kunden på ett varaktigt medium som specificerar vilken
rådgivning som getts och hur denna rådgivning motsvarar kundens preferenser, mål och andra egenskaper. De villkor som
anges i artikel 23.1–23.4 ska tillämpas.
Om avtalet ingås med hjälp av en teknik för distanskommunikation som hindrar att ett lämplighetsutlåtande tillhandahålls i
förväg får försäkringsförmedlaren eller försäkringsföretaget lämna ett skriftligt lämplighetsutlåtande på ett varaktigt
medium omedelbart efter det att kunden har bundits av ett avtal, under förutsättning att båda följande villkor är uppfyllda:
a) Kunden har gett sitt samtycke till att erhålla lämplighetsutlåtandet utan oskäligt dröjsmål efter det att avtalet ingåtts.
b) Försäkringsförmedlaren eller försäkringsföretaget har erbjudit kunden möjligheten att senarelägga ingåendet av avtalet så
att lämplighetsutlåtandet först kan erhållas före sådant ingående.
Om en försäkringsförmedlare eller ett försäkringsföretag har informerat kunden om att de kommer att utföra en
regelbunden lämplighetsbedömning ska den regelbundna rapporten innehålla en uppdaterad förklaring om hur den
försäkringsbaserade investeringsprodukten motsvarar kundens preferenser, mål och andra egenskaper.
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6.
Kommissionen ska ges befogenhet att anta delegerade akter enligt artikel 38 för att närmare ange hur
försäkringsförmedlare och försäkringsföretag ska följa de principer som anges i denna artikel när de utför försäkrings-
distributionsverksamhet med sina kunder, inklusive i förhållande till den information som ska inhämtas vid bedömning av
de försäkringsbaserade investeringsprodukternas lämplighet och ändamålsenlighet för kunderna, kriterierna för att bedöma
icke-komplexa försäkringsbaserade investeringsprodukter i enlighet med punkt 3 a ii i den här artikeln, innehåll och format
för registren och avtal om tillhandahållande av tjänster till kunder och regelbundna rapporter till kunderna om de tjänster
som tillhandahålls. I dessa delegerade akter ska följande beaktas:
a) Arten av de tjänster som erbjuds eller tillhandahålls kunden eller den presumtiva kunden, med beaktande av
transaktionernas typ, föremål, storlek och frekvens.
b) Arten av de produkter som erbjuds eller tas under övervägande, inklusive olika typer av försäkringsbaserade
investeringsprodukter.
c) Kundens eller den presumtiva kundens ställning som icke-professionell eller professionell kund.
7.
Senast den 23 augusti 2017 ska Eiopa utarbeta och därefter regelbundet uppdatera riktlinjer för bedömning av
försäkringsbaserade investeringsprodukter som innehåller en struktur som gör det svårt för kunden att förstå den därmed
förbundna risken enligt punkt 3 a i.
8.
Eiopa får utarbeta och därefter regelbundet uppdatera riktlinjer för bedömning av försäkringsbaserade investerings-
produkter som klassificeras som icke-komplexa för tillämpningen av punkt 3 a ii, med beaktande av de delegerade akter
som antagits enligt punkt 6.
KAPITEL VII
SANKTIONER OCH ANDRA ÅTGÄRDER
Artikel 31
Administrativa sanktioner och andra åtgärder
1.
Utan att det påverkar de behöriga myndigheternas tillsynsutövning och medlemsstaternas rätt att föreskriva och
påföra straffrättsliga påföljder, ska medlemsstaterna se till att deras behöriga myndigheter får påföra administrativa
sanktioner och andra åtgärder som är tillämpliga på alla överträdelser av de nationella bestämmelser som genomför detta
direktiv, och de ska vidta alla nödvändiga åtgärder för att se till att nämnda regler genomförs. Medlemsstaterna ska se till att
deras administrativa sanktioner och andra åtgärder är effektiva, proportionella och avskräckande.
2.
Medlemsstaterna får besluta att inte fastställa några regler om administrativa sanktioner enligt detta direktiv för
överträdelser som är föremål för straffrättsliga påföljder enligt deras nationella lagstiftning. I detta fall ska medlemsstaterna
informera kommissionen om de relevanta straffrättsliga bestämmelserna.
3.
De behöriga myndigheterna ska utöva sina tillsynsbefogenheter, inklusive undersökningsbefogenheterna och
befogenheterna att påföra de sanktioner som föreskrivs i detta kapitel, i enlighet med sina nationella rättsliga ramar på
något av följande sätt:
a) Direkt.
b) I samarbete med andra myndigheter.
c) Genom ansökan hos de behöriga rättsliga myndigheterna.
4.
Medlemsstaterna ska se till att i de fall försäkrings- eller återförsäkringsdistributörer överträder någon sådan
skyldighet som gäller för dem ska administrativa sanktioner och andra åtgärder kunna tillämpas i förhållande till personer i
deras lednings- eller tillsynsorgan och på alla andra fysiska eller juridiska personer som enligt den nationella rätten är
ansvariga för sådan överträdelse.
5.
Medlemsstaterna ska se till att administrativa sanktioner och andra åtgärder som tillämpas i enlighet med denna
artikel kan överklagas.
6.
De behöriga myndigheterna ska ges alla de undersökningsbefogenheter som de behöver för att kunna utföra sina
uppgifter. Vid utövandet av sina befogenheter att påföra administrativa sanktioner och andra åtgärder ska de behöriga
myndigheterna samarbeta nära med varandra för att säkerställa att dessa sanktioner och åtgärder leder till önskade resultat
och samordna sina insatser när de hanterar gränsöverskridande fall, med säkerställande av att villkoren för laglig
databehandling uppfylls i enlighet med direktiv 95/46/EG och förordning (EG) nr 45/2001.
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Om medlemsstaterna i enlighet med punkt 2 i den här artikeln valt att fastställa straffrättsliga påföljder för överträdelser av
de bestämmelser som avses i artikel 33, ska de se till att erforderliga åtgärder vidtagits så att de behöriga myndigheterna har
alla nödvändiga befogenheter att
a) hålla kontakter med rättsliga myndigheter inom sitt territorium för att få särskild information om brottsutredningar eller
straffrättsliga förfaranden som inletts på grund av eventuella överträdelser enligt detta direktiv och
b) lämna sådan information till andra behöriga myndigheter och Eiopa så att de kan fullgöra sin skyldighet att samarbeta
med varandra och Eiopa i enlighet med detta direktiv.
Artikel 32
Offentliggörande av sanktioner och andra åtgärder
1.
Medlemsstaterna ska se till att de behöriga myndigheterna utan oskäligt dröjsmål offentliggör alla administrativa
sanktioner eller andra åtgärder som påförts – och inte överklagats i tid – vid överträdelser av de nationella bestämmelserna
om genomförande av detta direktiv, däribland information om överträdelsens typ och art och ansvariga personers identitet.
Om emellertid ett offentliggörande av de juridiska personernas identitet eller av de fysiska personernas identitet eller
personuppgifter efter en bedömning från fall till fall av proportionaliteten i offentliggörandet av sådana uppgifter av den
behöriga myndigheten anses som oproportionerligt eller om offentliggörandet äventyrar finansmarknadernas stabilitet eller
en pågående utredning, får den behöriga myndigheten besluta att skjuta upp offentliggörandet, avstå från offentliggörande
eller offentliggöra sanktionerna på anonym grund.
2.
Om nationell rätt föreskriver ett offentliggörande av ett beslut om en sanktion eller annan åtgärd som är föremål för
överklagande vid relevanta rättsliga eller andra myndigheter, ska de behöriga myndigheterna på sin officiella webbplats utan
oskäligt dröjsmål offentliggöra information om detta och eventuell senare information om resultatet av ett sådant
överklagande. Dessutom ska även alla beslut om ogiltigförklarande av ett tidigare, redan offentliggjort beslut om en
sanktion eller annan åtgärd offentliggöras.
3.
De behöriga myndigheterna ska informera Eiopa om alla administrativa sanktioner och andra åtgärder som påförts
men inte offentliggjorts i enlighet med punkt 1, däribland eventuella överklaganden av dessa och resultatet av dem.
Artikel 33
Överträdelser och sanktioner och andra åtgärder
1.
Denna artikel ska tillämpas på åtminstone följande:
a) Personer som underlåter att registrera sin distributionsverksamhet i enlighet med artikel 3.
b) Försäkrings- eller återförsäkringsföretag eller försäkrings- eller återförsäkringsförmedlare som använder sådana
personers försäkrings- eller återförsäkringsdistributionstjänster som avses i led a.
c) Försäkrings-, återförsäkrings- eller försäkringsförmedlare som bedriver förmedling som sidoverksamhet som har erhållit
registrering på grundval av oriktiga uppgifter eller på något annat otillbörligt sätt, i strid med artikel 3.
d) Försäkringsdistributörer som inte iakttar bestämmelserna i artikel 10.
e) Försäkringsföretag eller försäkringsförmedlare som inte iakttar uppförandereglerna enligt kapitlen V och VI, när det
gäller distribution av försäkringsbaserade investeringsprodukter.
f) Försäkringsdistributörer som inte iakttar uppförandereglerna enligt kapitel V, när det gäller andra försäkringsprodukter
än dem som avses i led e.
2.
Medlemsstaterna ska se till att de behöriga myndigheterna har befogenhet att vid de överträdelser som avses i
punkt 1 e, och i enlighet med nationell rätt, påföra åtminstone följande administrativa sanktioner och andra åtgärder:
a) Ett offentligt utlåtande med uppgift om den ansvariga fysiska eller juridiska personen och överträdelsens art.
b) Ett föreläggande enligt vilket det krävs att den ansvariga fysiska eller juridiska personen upphör med sitt agerande och
inte upprepar det agerandet.
c) I fråga om försäkringsförmedlare, återkallelse av den registrering som avses i artikel 3.
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d) Ett tillfälligt förbud att utöva ledningsfunktioner i försäkringsförmedlare eller försäkringsföretag, riktat mot de ledamöter
i ledningsorganet för försäkringsförmedlaren eller försäkringsföretaget som hålls ansvariga för överträdelsen.
e) I fråga om juridiska personer, följande maximala administrativa sanktionsavgifter på upp till
i) minst 5 000 000 EUR eller högst 5 % av den totala årsomsättningen enligt den senaste tillgängliga redovisning som
har godkänts av ledningsorganet, eller, i medlemsstater som inte har euron som valuta, motsvarande värde i nationell
valuta den dag då detta direktiv träder i kraft. Om den juridiska personen är ett moderföretag eller dotterföretag till
det moderföretag som ska upprätta koncernredovisning enligt Europaparlamentets och rådets direktiv 2013/34/
EU (1), ska den relevanta totala årsomsättningen vara den totala årsomsättningen enligt den senast tillgängliga
koncernredovisning som godkänts av ledningsorganet för det yttersta moderföretaget; eller
ii) högst två gånger beloppet av de vinster som har gjorts eller förluster som undvikits på grund av överträdelsen, i de fall
dessa belopp kan fastställas.
f) I fråga om fysiska personer, följande maximala administrativa sanktionsavgifter på upp till
i) minst 700 000 EUR, eller, i medlemsstater som inte har euron som valuta, motsvarande värde i nationell valuta den
dag då detta direktiv träder i kraft, eller
ii) högst två gånger beloppet av de vinster som gjorts eller förluster som undvikits på grund av överträdelsen, i de fall
dessa belopp kan fastställas.
3.
Medlemsstaterna ska se till att de behöriga myndigheterna har befogenhet att vid de överträdelser som avses i
punkt 1 a–d och 1 f, och i enlighet med nationell rätt, påföra åtminstone följande administrativa sanktioner och andra
åtgärder:
a) Ett föreläggande enligt vilket det krävs att den ansvariga fysiska eller juridiska personen upphör med sitt agerande och
inte upprepar detta agerande.
b) I fråga om försäkrings-, återförsäkrings eller försäkringsförmedlare som bedriver förmedling som sidoverksamhet,
återkallelse av den registrering som avses i artikel 3.
4.
Medlemsstaterna får ge de behöriga myndigheterna befogenhet att föreskriva ytterligare sanktioner eller andra
åtgärder samt administrativa sanktionsavgifter på en högre nivå än vad som föreskrivs i denna artikel.
Artikel 34
Effektiv tillämpning av sanktioner och andra åtgärder
Medlemsstaterna ska säkerställa att de behöriga myndigheterna, när de fastställer typen av administrativ sanktion eller
annan åtgärd och nivån på en administrativ sanktionsavgift, beaktar alla relevanta omständigheter, däribland i
förekommande fall följande:
a) Överträdelsens allvarlighetsgrad och varaktighet.
b) Den ansvariga fysiska eller juridiska personens grad av ansvar.
c) Den ansvariga fysiska eller juridiska personens ekonomiska bärkraft, som den indikeras genom antingen den fysiska
personens årsinkomst eller den juridiska personens totala omsättning.
d) Omfattningen av de fördelar som erhållits eller de förluster som undvikits av den ansvariga fysiska eller juridiska
personen, i den mån de kan fastställas.
e) Förluster för kunder och tredje parter orsakade av överträdelsen, i den mån de kan fastställas.
f) Den ansvariga fysiska eller juridiska personens vilja att samarbeta med den behöriga myndigheten.
g) Åtgärder som den ansvariga fysiska eller juridiska personen vidtagit för att förhindra att överträdelsen upprepas.
h) Eventuella tidigare överträdelser från den ansvariga fysiska eller juridiska personens sida.
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typer av företag, om ändring av Europaparlamentets och rådets direktiv 2006/43/EG och om upphävande av rådets direktiv 78/
660/EEG och 83/349/EEG (EUT L 182, 29.6.2013, s. 19).
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Artikel 35
Rapportering av överträdelser
1.
Medlemsstaterna ska se till att behöriga myndigheter etablerar effektiva system för att möjliggöra och uppmuntra
rapportering till dem av potentiella eller faktiska överträdelser av de nationella bestämmelser som antagits för
genomförande av detta direktiv.
2.
De system som avses i punkt 1 ska åtminstone omfatta följande:
a) Särskilda förfaranden för mottagande av rapporter och uppföljning av dem.
b) Lämpligt skydd, åtminstone mot repressalier, diskriminering eller andra typer av orättvis behandling, för anställda hos
försäkrings- eller återförsäkringsdistributörer och om möjligt för andra personer som rapporterar överträdelser som
begåtts inom dessa enheter.
c) Identitetsskydd för både den person som rapporterar överträdelser och den fysiska person som påstås vara ansvarig för
överträdelsen under alla skeden av förfarandet, såvida inte sådant offentliggörande krävs enligt nationell rätt i samband
med ytterligare utredning eller efterföljande administrativa eller rättsliga förfaranden.
Artikel 36
Information till Eiopa om sanktioner och andra åtgärder
1.
De behöriga myndigheterna ska informera Eiopa om alla administrativa sanktioner och andra åtgärder som påförts
men inte offentliggjorts i enlighet med artikel 32.1.
2.
De behöriga myndigheterna ska årligen ge Eiopa information i aggregerad form om alla administrativa sanktioner och
andra åtgärder som påförts i enlighet med artikel 31.
Eiopa ska offentliggöra den informationen i en årlig rapport.
3.
Om den behöriga myndigheten har offentliggjort en administrativ sanktion eller annan åtgärd ska den samtidigt
informera Eiopa om denna.
KAPITEL VIII
SLUTBESTÄMMELSER
Artikel 37
Skydd av personuppgifter
1.
Medlemsstaterna ska tillämpa direktiv 95/46/EG på den behandling av personuppgifter som utförs i medlemsstaterna
i enlighet med detta direktiv.
2.
Förordning (EG) nr 45/2001 ska tillämpas på den behandling av personuppgifter som utförs av Eiopa i enlighet med
detta direktiv.
Artikel 38
Delegerade akter
Kommissionen ska ges befogenhet att anta delegerade akter enligt artikel 39 med avseende på artiklarna 25, 28, 29 och 30.
Artikel 39
Utövande av delegeringen
1.
Befogenheten att anta delegerade akter ges till kommissionen med förbehåll för de villkor som anges i denna artikel.
2.
Den befogenhet att anta delegerade akter som avses i artiklarna 25, 28, 29 och 30 ska ges till kommissionen tills
vidare från och med den 22 februari 2016.
3.
Den delegering av befogenhet som avses i artiklarna 25, 28, 29 och 30 får när som helst återkallas av
Europaparlamentet eller rådet. Ett beslut om återkallelse innebär att delegeringen av den befogenhet som anges i beslutet
upphör att gälla. Beslutet får verkan dagen efter det att det offentliggörs i Europeiska unionens officiella tidning, eller vid ett
senare i beslutet angivet datum. Det påverkar inte giltigheten av delegerade akter som redan har trätt i kraft.
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4.
Så snart kommissionen antar en delegerad akt ska den samtidigt delge Europaparlamentet och rådet denna.
5.
En delegerad akt som antas enligt artiklarna 25, 28, 29 och 30 ska träda i kraft endast om varken Europaparlamentet
eller rådet har gjort invändningar mot den delegerade akten inom en period av tre månader från den dag då akten delgavs
Europaparlamentet och rådet, eller om både Europaparlamentet och rådet, före utgången av den perioden, har underrättat
kommissionen om att de inte kommer att invända. Denna period ska förlängas med tre månader på Europaparlamentets
eller rådets initiativ.
Artikel 40
Övergångsperiod
Medlemsstaterna ska se till att förmedlare som redan registrerats enligt direktiv 2002/92/EG följer de relevanta
bestämmelser i nationell lagstiftning som genomför artikel 10.1 i detta direktiv senast den 23 februari 2019.
Artikel 41
Översyn och utvärdering
1.
Kommissionen ska senast den 23 februari 2021 överlämna en rapport till Europaparlamentet och rådet om
tillämpningen av artikel 1. En sådan rapport ska, på grundval av den information som mottagits från medlemsstaterna och
Eiopa i enlighet med artikel 1.5, innefatta en bedömning av huruvida direktivets tillämpningsområde, inklusive undantaget i
artikel 1.3, fortfarande är ändamålsenligt med avseende på konsumentskyddsnivån, proportionaliteten i behandlingen av
olika försäkringsdistributörer och den administrativa bördan för de behöriga myndigheterna och försäkringsdistributions-
kanalerna.
2.
Kommissionen ska senast den 23 februari 2021 göra en översyn av detta direktiv. Översynen ska innefatta en allmän
översikt över den praktiska tillämpningen av bestämmelser enligt detta direktiv med vederbörlig hänsyn till utvecklingen på
marknaderna för investeringsprodukter för icke-professionella investerare och erfarenheterna av den praktiska tillämp-
ningen av det här direktivet, förordning (EU) nr 1286/2014 och direktiv 2014/65/EU. Översynen ska innefatta en
utvärdering av huruvida de särskilda uppföranderegler för distribution av försäkringsbaserade investeringsprodukter som
anges i kapitel VI i det här direktivet leder till ändamålsenliga och proportionerliga resultat, med beaktande av behovet att
säkerställa en tillräckligt hög konsumentskyddsnivå som är förenlig med de normer för investerarskydd som är tillämpliga
enligt direktiv 2014/65/EU samt de specifika egenskaperna hos försäkringsbaserade investeringsprodukter och särdragen
hos deras distributionskanaler. Översynen ska även diskutera möjligheterna att tillämpa bestämmelserna i detta direktiv på
de produkter som omfattas av direktiv 2003/41/EG. Därutöver ska en sådan översyn också innefatta en särskild analys av
effekterna av artikel 19 i det här direktivet, med beaktande av konkurrenssituationen på marknaden för försäkrings-
distribution för avtal som inte ingår i någon av de klasser som anges i bilaga II till direktiv 2009/138/EG, och av effekterna
av de skyldigheter som avses i artikel 19 i det här direktivet på försäkringsförmedlare som är små och medelstora företag.
3.
Efter samråd med gemensamma kommittén för de europeiska tillsynsmyndigheterna ska kommissionen lägga fram en
första rapport till Europaparlamentet och rådet.
4.
Senast den 23 februari 2020 och därefter minst en gång vartannat år ska Eiopa utarbeta ytterligare en rapport om
tillämpningen av detta direktiv. Innan Eiopa offentliggör sin rapport ska samråd ske med Europeiska värdepappers- och
marknadsmyndigheten.
5.
I en tredje rapport som ska utarbetas senast den 23 februari 2018 ska Eiopa göra en utvärdering av
försäkringsförmedlingsmarknadernas struktur.
6.
I rapporten som Eiopa ska utarbeta senast den 23 februari 2020, och som avses i punkt 4, ska Eiopa granska huruvida
de behöriga myndigheter som avses i artikel 12.1 har tillräckliga befogenheter och resurser för att utföra sina
arbetsuppgifter.
7.
I den rapport som avses i punkt 4 ska åtminstone följande frågor behandlas:
a) Förändringar av försäkringsförmedlingsmarknadernas struktur.
b) Förändringar i mönstret för gränsöverskridande verksamhet.
c) Huruvida kvaliteten på rådgivning och försäljningsmetoder har förbättrats och effekterna av detta direktiv på de
försäkringsförmedlare som är små och medelstora företag.
8.
Rapporten som avses i punkt 4 ska även innehålla en utvärdering från Eiopas sida av effekterna av detta direktiv.
2.2.2016
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%LODJD

Artikel 42
Införlivande
1.
Medlemsstaterna ska sätta i kraft de bestämmelser i lagar och andra författningar som är nödvändiga för att följa detta
direktiv senast den 23 februari 2018. De ska till kommissionen utan dröjsmål överlämna texten till dessa bestämmelser.
När en medlemsstat antar dessa bestämmelser ska de innehålla en hänvisning till detta direktiv eller åtföljas av en sådan
hänvisning när de offentliggörs. De ska även innehålla en uppgift om att hänvisningar i befintliga lagar och andra
författningar till det direktiv som upphävts genom det här direktivet ska anses som hänvisningar till det här direktivet.
Närmare föreskrifter om hur hänvisningen ska göras och om hur uppgiften ska formuleras ska varje medlemsstat själv
utfärda.
2.
Medlemsstaterna ska till kommissionen överlämna texten till de centrala bestämmelser i nationell lagstiftning som de
antar inom det område som omfattas av detta direktiv.
Artikel 43
Ändring av direktiv 2002/92/EG
Kapitel III A i direktiv 2002/92/EG ska utgå med verkan från och med den 23 februari 2016.
Artikel 44
Upphävande
Direktiv 2002/92/EG, i dess lydelse enligt de direktiv som anges i bilaga II, del A, ska upphöra att gälla med verkan från och
med den 23 februari 2018, utan att det påverkar medlemsstaternas skyldigheter vad gäller tidsfristen för införlivande med
nationell lagstiftning av de direktiv som anges i bilaga II, del B.
Hänvisningar till det upphävda direktivet ska anses som hänvisningar till det här direktivet och ska läsas i enlighet med
jämförelsetabellen i bilaga III.
Artikel 45
Ikraftträdande
Detta direktiv träder i kraft den tjugonde dagen efter det att det har offentliggjorts i Europeiska unionens officiella tidning.
Artikel 46
Adressater
Detta direktiv riktar sig till medlemsstaterna.
Utfärdat i Strasbourg den 20 januari 2016.
På Europaparlamentets vägnar
M.
SCHULZ
Ordförande
På rådets vägnar
A.G.
KOENDERS
Ordförande
L 26/54
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%LODJD

BILAGA I
MINIMIKRAV PÅ YRKESKUNSKAP OCH KOMPETENS
(enligt artikel 10.2)
I Skadeförsäkringsrisker klassificerade i klasserna 1–18 i del A i bilaga I till direktiv 2009/138/EG
a) Nödvändig minimikunskap om villkoren i de försäkringar som erbjuds, inklusive tilläggsrisker om sådana täcks av
försäkringarna i fråga
b) Nödvändig minimikunskap om tillämplig lagstiftning om distribution av försäkringsprodukter, såsom konsumen-
trätt, relevant skatterätt samt relevant socialrätt och arbetsrätt
c) Nödvändig minimikunskap om skadereglering
d) Nödvändig minimikunskap om hantering av klagomål
e) Nödvändig minimikunskap om bedömning av kundernas behov
f) Nödvändig minimikunskap om försäkringsmarknaden
g) Nödvändig minimikunskap om affärsetiska normer
h) Nödvändig miniminivå vad gäller finansiell kompetens
II Försäkringsbaserade investeringsprodukter
a) Nödvändig minimikunskap om försäkringsbaserade investeringsprodukter, inklusive villkor och nettopremier samt, i
förekommande fall, garanterade och icke-garanterade ersättningar
b) Nödvändig minimikunskap om fördelar och nackdelar med olika placeringsalternativ för försäkringstagarna
c) Nödvändig minimikunskap om finansiella risker som bärs av försäkringstagarna
d) Nödvändig minimikunskap om livförsäkringar och andra sparprodukter
e) Nödvändig minimikunskap om hur pensionssystemet är organiserat och vilka garanterade ersättningar det ger
f) Nödvändig minimikunskap om tillämplig rätt om distribution av försäkringsprodukter, såsom konsumenträtt och
relevant skatterätt
g) Nödvändig minimikunskap om försäkringsmarknaden och marknaden för sparprodukter
h) Nödvändig minimikunskap om hantering av klagomål
i) Nödvändig minimikunskap om bedömning av kundernas behov
j) Hantering av intressekonflikter
k) Nödvändig minimikunskap om affärsetiska normer
l) Nödvändig miniminivå vad gäller finansiell kompetens
III Livförsäkringsrisker klassificerade i bilaga II till direktiv 2009/138/EG
a) Nödvändig minimikunskap om försäkringar, inklusive villkor, garanterade ersättningar och, i förekommande fall,
tilläggsrisker
b) Nödvändig minimikunskap om hur pensionssystemet är organiserat och vilka garanterade ersättningar det ger i
medlemsstaten i fråga
c) Kunskap om tillämplig försäkringsavtalsrätt, konsumenträtt, dataskyddsrätt, lagstiftning mot penningtvätt och, i
förekommande fall, relevant skatterätt samt relevant socialrätt och arbetsrätt
2.2.2016
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d) Nödvändig minimikunskap om försäkringsmarknaden och andra relevanta marknader för finansiella tjänster
e) Nödvändig minimikunskap om hantering av klagomål
f) Nödvändig minimikunskap om bedömning av konsumenternas behov
g) Hantering av intressekonflikter
h) Nödvändig minimikunskap om affärsetiska normer
i) Nödvändig miniminivå vad gäller finansiell kompetens
L 26/56
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2.2.2016
%LODJD

BILAGA II
DEL A
Upphävt direktiv och en förteckning över dess efterföljande ändringar
Europaparlamentets och rådets direktiv 2002/92/EG (EGT L 9, 15.1.2003, s. 3)
Europaparlamentets och rådets direktiv 2014/65/EU (EUT L 173, 12.6.2014, s. 349)
Europaparlamentets och rådets direktiv (EU) 2016/97 (EUT L 26, 2.2.2016, s. 19)
DEL B
Tidsfrister för införlivande med nationell lagstiftning i enlighet med artikel 44
Direktiv
Tidsfrist för införlivande av ändringsdirektiv
2014/65/EU
(EU) 2016/97
3.7.2016
22.2.2016 (vad gäller ändring av direktiv 2002/92/EG i enlighet med artikel 43 i det
här direktivet)
23.2.2018 (vad gäller införlivande av det här direktivet i enlighet med artikel 42)
2.2.2016
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BILAGA III
Jämförelsetabell
Direktiv 2002/92/EG
Detta direktiv
Artikel 1.1
Artikel 1.1 och 1.2
Artikel 1.2
Artikel 1.3 och 1.4
Artikel 1.3
Artikel 1.6
Artikel 2.1
Artikel 2.1 led 6
Artikel 2.2
Artikel 2.1 led 7
Artikel 2.3
Artikel 2.1 led 1 och artikel 2.2
Artikel 2.4
Artikel 2.1 led 2 och artikel 2.2
Artikel 2.5
Artikel 2.1 led 3
Artikel 2.6
Artikel 2.1 led 5
Artikel 2.7
—
Artikel 2.8
Artikel 2.1 led 16
Artikel 2.9
Artikel 2.1 led 10
Artikel 2.10
Artikel 2.1 led 11
Artikel 2.11
—
Artikel 2.12
Artikel 2.1 led 18
Artikel 2.13
Artikel 2.1 led 17
Artikel 3.1
Artikel 3.1
Artikel 3.2
Artikel 3.2 och 3.3
Artikel 3.3
Artikel 3.4
Artikel 3.4
—
Artikel 3.5
—
Artikel 3.6
Artikel 16
Artikel 4.1
Artikel 10.1 och 10.2
Artikel 4.2
Artikel 10.3
Artikel 4.3
Artikel 10.4
Artikel 4.4
Artikel 10.6
Artikel 4.5
—
Artikel 4.6
—
Artikel 4.7
Artikel 10.7
Artikel 5
Artikel 40
Artikel 6.1
Artiklarna 4 och 6
Artikel 6.2
—
Artikel 6.3
Artikel 11.1
Artikel 7
Artikel 12
Artikel 8
Artiklarna 5, 7, 31–36
L 26/58
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%LODJD

Direktiv 2002/92/EG
Detta direktiv
Artikel 9
Artikel 13
Artikel 10
Artikel 14
Artikel 11
Artikel 15
Artikel 12.1 led a
Artikel 18 led a i och led b i
Artikel 12.1 led b
Artikel 18 led a iv
Artikel 12.1 led c
Artikel 19.1 led a
Artikel 12.1 led d
Artikel 19.1 led b
Artikel 12.1 led e
Artikel 18 led a iii och led b iii samt artikel 19.1 led c
Artikel 12.2
Artikel 20.3
Artikel 12.3
Artikel 20.1
Artikel 12.4
Artikel 22.1
Artikel 12.5
Artikel 22.2 och 22.4
Artikel 13
Artikel 23
Artikel 14
—
Artikel 15
—
Artikel 16
—
Artikel 17
—
2.2.2016
SV
Europeiska unionens officiella tidning
L 26/59

%LODJD


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försäkringsrörelselagen
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om försäkringsföretag ska i stället
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4 a §
Försäkringsförmedlaren ska, ut-
över det som anges i 6 kap. 1 och
2 §§, vidta alla rimliga åtgärder,
däribland att ha organisatoriska
och administrativa system, för att
1. identifiera
de
intresse-
konflikter som kan uppkomma
mellan förmedlaren eller någon
person eller något företag som har
nära förbindelser med förmed-
laren och en kund eller mellan
olika kunder, och
2. förhindra att kundens intres-
sen påverkas negativt av intresse-
konflikter.


%LODJD

Om de åtgärder som försäk-
ringsförmedlaren har vidtagit för
att förhindra intressekonflikter
inte är tillräckliga, ska försäk-
ringsförmedlaren tydligt infor-
mera kunden om arten av eller
källan till intressekonflikterna
innan förmedlaren åtar sig att
utföra försäkringsförmedling för
kundens räkning.
En försäkringsförmedlare får
inte ta emot och behålla provision
eller annan liknande ersättning
från någon annan än kunden, om
ersättningen kan motverka att
förmedlaren uppfyller kraven i
första stycket 2.



4 b §
Försäkringsförmedlaren får inte
i samband med verksamheten
marknadsföra andra finansiella
tjänster eller produkter än sådana
försäkringar som tillståndet enligt
2 kap. 2 § eller registreringen en-
ligt 2 kap. 4 § andra stycket avser.
Försäkringsförmedlaren får dock
marknadsföra sådana tjänster och
produkter som kunden kan välja
inom försäkringen.
Om försäkringsförmedlaren har
ett sådant tillstånd för sidoverk-
samhet som avses i 1
§ första
stycket, får förmedlaren även
marknadsföra sådana andelar i
fonder och fondföretag som
omfattas av det tillståndet.
Första stycket gäller inte om
försäkringsförmedlaren har rätt
att driva verksamhet avseende det
slag av finansiella tjänster eller
produkter som marknadsföringen
avser enligt någon annan författ-
ning eller är en sådan anknuten
försäkringsförmedlare som avses i
1 kap. 10 § 1 b.



NDS




%LODJD

Allmänna krav på information till
kunder

7 a §
All information som en försäk-
ringsförmedlare lämnar till sina
kunder ska vara rättvisande och
tydlig. Den får inte vara vilseled-
ande. Marknadsföringsmaterial
ska lätt kunna identifieras som
sådant.

NDS

2 a §
Om en försäkringsförmedlare
har förklarat sig avstå från till-
ståndet enligt 2 § första stycket 2
och det samtidigt pågår ett ärende
om ingripande mot förmedlaren,
får Finansinspektionen, om det är
till nytta för utredningen i
ingripandeärendet, förena ärende-
na för gemensam handläggning. I
ett sådant fall får Finansinspek-
tionen, om det kan ske utan betyd-
ande olägenhet för förmedlaren,
avgöra frågan om ingripande
enligt 1
§ andra stycket innan
inspektionen avgör om tillståndet
ska återkallas enligt 2
§ första
stycket 2. Finansinspektionen ska
då se till att den förutsättning för
tillståndet som anges i 2 § första
stycket 3 iakttas.
Om det finns skäl för det, får
Finansinspektionen besluta om att
ärendena inte längre ska hand-
läggas gemensamt.


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Postadress Telefonväxel
E-post:
registrator@finance.ministry.se
103 33 Stockholm
08-405 10 00
Besöksadress Telefax
Telex
Drottninggatan 21
08-21 73 86
117 41 FINANS S
'V 6WlUNWNRQVXPHQWVN\GGYLGI|UVlNULQJVI|UPHGOLQJ
5HPLVVLQVWDQVHU
1. Hovrätten för Nedre Norrland
2. Stockholms tingsrätt
3. Kammarrätten i Stockholm
4. Förvaltningsrätten i Stockholm
5. Justitiekanslern
6. Konsumentverket
7. Allmänna reklamationsnämnden
8. Arbetsgivarverket
9. Statens tjänstepensionsverk
10. Pensionsmyndigheten
11. Finansinspektionen
12. Konkurrensverket
13. Bolagsverket
14. Regelrådet
15. 2013 års värdepappersmarknadsutredning (Fi 2013:04)
16. Branschorganisationen för privatekonomiska förmedlings- och
jämförelsetjänster
17. Finansförbundet
18. FTF – Facket för försäkring och finans
19. Fondbolagens Förening
20. Föreningen för god sed på värdepappersmarknaden
21. Företagarna
22. Konsumenternas Bank- och finansbyrå
23. Konsumenternas Försäkringsbyrå
24. Länsförsäkringsbolagens förening
25. Näringslivets regelnämnd
26. Juridiska fakultetsnämnden vid Stockholms universitet
27. Svenska Bankföreningen
28. Sveriges advokatsamfund
5HPLVV

2014-06-11
Fi2014/2191

)LQDQVGHSDUWHPHQWHW
Finansmarknadsavdelningen
Anna-Karin Vinterhav
Telefon: 08-405 10 43
E-mail: anna-karin.vinterhav@regeringskansliet.se

%LODJD

2
29. Sveriges Aktiesparares Riksförbund
30. Svenska Fondhandlareföreningen
31. Svensk Försäkring
32. Svenska försäkringsföreningen
33. Svenska försäkringsförmedlares förening
34. Sveriges konsumenter
35. Sveriges Kommuner och Landsting
36. Svenskt Näringsliv
37. Utländska försäkringsbolags förening
38. Landsorganisationen i Sverige, LO
39. Sveriges Akademikers Centralorganisation, SACO
40. Tjänstemännens centralorganisation, TCO
41. InsureSec AB
42. Finansbolagens förening
43. SwedSec AB
44. Länsförsäkringar Sak Försäkrings AB
Remissvaren ska ha kommit in till Finansdepartementet, 103 33
Stockholm, senast den
VHSWHPEHU. Svaren ska lämnas både
skriftligen och per e-
post till
fi.registrator@regeringskansliet.se
0\QGLJKHWHUXQGHUUHJHULQJHQär skyldiga att svara på remissen. En
myndighet avgör dock på eget ansvar om den har några synpunkter att
redovisa i ett svar. Om myndigheten inte har några synpunkter, räcker
det att svaret ger besked om detta.
För DQGUDUHPLVVLQVWDQVHUinnebär remissen en inbjudan att lämna
synpunkter.
Råd om hur remissyttranden utformas finns i Statsrådsberedningens
promemoria 6YDUDSnUHPLVV²KXURFKYDUI|U(SB PM 2003:2). Den kan
laddas ner från Regeringskansliets webbplats www.regeringen.se.
Göran Haag
rättschef
Kopia till
Fritzes kundservice, 106 47 Stockholm
Riksdagens utredningstjänst
Finansutskottet
Registrator, Finansdepartementet


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RPI|UVlNULQJVI|UPHGOLQJ 
Härigenom föreskrivs i fråga om lagen (2005:405) om försäkrings-
förmedling
dels att 1 kap. 5 §, 5 kap. 1 och 4 §§ samt 8 kap. 6 § ska ha följ-
ande lydelse,
dels att det ska införas en ny paragraf, 5 kap. 4 a §, av följande
lydelse.
Nuvarande lydelse
Föreslagen lydelse
1 kap.
5 §
59
När en försäkringsförmed-
lare utövar sådan sidoverksam-
het som avses i 2 kap. 5 § första
stycket 15 lagen (2007:528) om
värdepappersmarknaden, är lagen
tillämplig även på denna verk-
samhet, om inte något annat sägs.
När en försäkringsförmed-
lare utövar sådan sidoverksam-
het som avses i 2 kap. 5 § första
stycket 14 lagen (2007:528) om
värdepappersmarknaden, är lagen
tillämplig även på denna verk-
samhet, om inte något annat sägs.
5 kap.
1 §
60
En försäkringsförmedlare får
efter tillstånd av Finansinspek-
tionen utöva sådan sidoverk-
samhet som avses i 2 kap. 5 §
första stycket 15 lagen (2007:528)
om värdepappersmarknaden.
En försäkringsförmedlare får
efter tillstånd av Finansinspek-
tionen utöva sådan sidoverk-
samhet som avses i 2 kap. 5 §
första stycket 14 lagen (2007:528)
om värdepappersmarknaden.
Vid prövning av en ansökan om tillstånd enligt första stycket
gäller bestämmelserna i 2 kap. 5 eller 6 § i tillämpliga delar.
59
Senaste lydelse 2007:565.
60
Senaste lydelse 2007:565.
%LODJD

4 §
61
Försäkringsförmedlaren skall i
sin verksamhet iaktta god försäk-
ringsförmedlingssed och med till-
börlig omsorg ta till vara kundens
intressen.
Försäkringsförmedlaren ska i
sin verksamhet iaktta god försäk-
ringsförmedlingssed och med till-
börlig omsorg ta till vara kundens
intressen.
Försäkringsförmedlaren skall
anpassa sin rådgivning efter kun-
dens önskemål och behov samt
rekommendera lösningar som är
lämpliga för kunden. Om försäk-
ringsförmedlaren har informerat
kunden enligt 6 kap. 2 § första
stycket 1 om att han eller hon
lämnar rådgivning om försäkring
på grundval av en opartisk analys,
är förmedlaren skyldig att lämna
rådgivningen efter en analys av ett
tillräckligt stort antal försäkrings-
avtal på marknaden.
Försäkringsförmedlaren ska
anpassa sin rådgivning efter kun-
dens önskemål och behov samt
rekommendera lösningar som är
lämpliga för kunden. Om försäk-
ringsförmedlaren har informerat
kunden enligt 6 kap. 2 § första
stycket 1 om att han eller hon
lämnar rådgivning om försäkring
på grundval av en opartisk analys,
är förmedlaren skyldig att lämna
rådgivningen efter en analys av ett
tillräckligt stort antal försäkrings-
avtal på marknaden.
Förmedlaren skall avråda en
kund som är en fysisk person
som handlar huvudsakligen för
ändamål som faller utanför när-
ingsverksamhet från att vidta åt-
gärder som inte kan anses lämp-
liga med hänsyn till personens
behov, ekonomiska förhållanden
eller andra omständigheter.
Förmedlaren ska avråda en
kund som är en fysisk person
som handlar huvudsakligen för
ändamål som faller utanför när-
ingsverksamhet från att vidta åt-
gärder som inte kan anses lämp-
liga med hänsyn till personens
behov, ekonomiska förhållanden
eller andra omständigheter.
Om försäkringsförmedlaren
utövar sådan sidoverksamhet som
avses i 1 § första stycket, gäller
dessutom bestämmelserna i 8 kap.
lagen (2007:528) om värde-
pappersmarknaden för den verk-
samheten i tillämpliga delar.
Om försäkringsförmedlaren
utövar sådan sidoverksamhet som
avses i 1 § första stycket, gäller
dessutom bestämmelserna i 8 och
9 kap. lagen (2007:528) om värde-
pappersmarknaden för den verk-
samheten i tillämpliga delar.
61
Senaste lydelse 2007:565.
%LODJD

4 a §
För en försäkringsförmedlare
som i sin verksamhet lämnar råd
till konsumenter om placeringar i
finansiella instrument gäller be-
stämmelserna i 8
kap.
31 och
32 §§, 9 kap. 8, 13–16, 20–22, 24,
25 och 46 §§ lagen (2007:528) om
värdepappersmarknaden.
8 kap.
6 §
62
Om Finansinspektionen har
återkallat tillståndet för en för-
säkringsförmedlare, skall inspek-
tionen snarast underrätta Bolags-
verket om detta.
Om Finansinspektionen har
återkallat tillståndet för en för-
säkringsförmedlare, ska inspek-
tionen snarast underrätta Bolags-
verket om detta.
Om Bolagsverket har åter-
kallat registreringen avseende
förmedling av livförsäkring eller
alla slag av försäkring för en an-
knuten försäkringsförmedlare
som har tillstånd att utöva sådan
sidoverksamhet som avses i
2 kap. 5 § första stycket 15 lagen
(2007:528) om värdepappers-
marknaden, skall Bolagsverket
snarast underrätta Finansinspek-
tionen om detta.
Om Bolagsverket har åter-
kallat registreringen avseende
förmedling av livförsäkring eller
alla slag av försäkring för en an-
knuten försäkringsförmedlare
som har tillstånd att utöva sådan
sidoverksamhet som avses i
2 kap. 5 § första stycket 14 lagen
(2007:528) om värdepappers-
marknaden, ska Bolagsverket
snarast underrätta Finansinspek-
tionen om detta.
Denna lag träder i kraft den 3 januari 2017.
62
Senaste lydelse 2007:565.

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