The Single Market in Insurance: Breaking down the Barriers Book

	Preface
1	Introduction	1
	Introduction	1
	The Insurance Market	2
	The Regulation of Insurance	3
	The Single Market Concept	6
	History of EC Legislation	7
	Home State Regulation v Host State Regulation	12
	The Present and the Future	14
	Conclusions	20
2	The Treaty Provisions	23
	The Four Freedoms	23
	Free Movement of Services	23
3	The Directives	37
	Regulation	37
	Insurance Contract Law	37
4	The System of Home Country Regulation	63
	Co-ordination Between National Authorities	63
5	Insurance Contract Law	77
	Private International Law	77
	Jurisdiction	78
	Choice of Law	78
	Enforcement	79
	The Harmonisation of Insurance Contract Law	79
	Intermediaries	95
	The Role of Ombudsman Schemes in the European Union	98
6	The Competition Law Aspects	111
	Anti-competitive Practices	112
7	The Commission's Review	121
	Refusal to Provide Services to Non-residents	122
	Failure to Provide Adequate Information	124
	Fraud by Intermediaries	124
	Distance Selling	127
	Constitutional Aspects of the Commission's Behaviour	128
	The Insurance Committee	129
	Other Areas of Concern	129
	The Next Step	131
8	The Future	133
	Future Europe	133
	The Future of Financial Services	134
	Priorities for Future Action	140
	Index	143