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 2017
Definition of an insurance contract
- 25 OCTOBER 2017
Pre-contractual information
- 25 OCTOBER 2017
Conclusion 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.