Page contentsPage contents Expert group On 17 January 2013 the Commission set up an expert group on European Insurance Contract law The role of the expert group was to assist the Commission by identifying differences in national contract laws determining to what extent these differences pose an obstacle to cross-border trade in insurance products identifying the specific products and areas of insurance law most likely to be affected by such obstacles Final Report Final report of the Expert Group (pdf, 2 MB), adopted on 24 January 2014 Press release Comparative law tables The expert group prepared comparative law tables on how key areas of insurance contract law are regulated in their respective EU countries. 25 OCTOBER 2017Definition of an insurance contract 25 OCTOBER 2017Pre-contractual information 25 OCTOBER 2017Conclusion and form of the contract Unfair contract terms (pdf, 431 kB) Disclosure duties of the customer (pdf, 532 kB) Waiting period (pdf, 472 kB) Withdrawal (pdf, 505 kB) Renewal (pdf, 473 kB) Payment of premium and consequences of non-payment (pdf, 544 kB) Remedies for non-performance (pdf, 520 kB) Multiple insurances (pdf, 491 kB) Termination (pdf, 547 kB) Claims liquidation (pdf, 565 kB) Composition of the Group The members of the Expert Group were selected following a call for applications. The group is composed of specialists with outstanding competence in the area of insurance contract law. Members include insurance companies or organisations of insurance providers consumers and businesses who are users of insurance products representatives of legal professions and/or academia The expert group represents a balance in terms of interests, geographical origin, experience and gender.