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为实现建立单一保险市场的目的 ,欧共体理事会分阶段地分别在非寿险和寿险业务方面发布了一系列不同的指令。指令不仅涉及保险公司授权条件和保险业务条件的协调 ,而且涉及分支机构的设立、跨境服务的通知程序、信息的强制提供、保险合同的法律适用等与设立权利和提供服务自由有关的规定 ,以及总机构位于共同体外的保险公司的代表处和分支机构等。相互承认原则、母国控制原则、最低限度的协调原则是欧盟保险市场一体化的主要法律原则。在保险服务贸易自由化方面 ,欧盟采纳的是共同市场的方法。就保险服务指令的未来发展而言 ,可以说 ,法典化是其必然趋势。
For the purpose of establishing a single insurance market, the EC Council issued a series of different directives on a non-life and life insurance basis in phases. The Directive covers not only the coordination between the insurance company’s authorization conditions and the insurance business conditions, but also the regulations concerning the establishment of branches, the notification procedure of cross-border services, the compulsory provision of information and the legal application of insurance contracts, which are related to the establishment of rights and the provision of free services. As well as the representative offices and branches of insurance agencies with the head office located outside the Community. The principle of mutual recognition, the principle of homeland control and the principle of minimum coordination are the major legal principles in the integration of the insurance market in the EU. In the liberalization of trade in insurance services, the EU adopted a common market approach. As far as the future development of insurance service directives is concerned, it can be said that codification is an inevitable trend.