Sweden / Suecia (Directive 2002 92 EC ) Suède
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Insurance intermediaries
The Insurance Mediation Directive (2002/92/EC) has been implemented into Swedish law.
Relevant regulations for the activities of insurance mediation are Lagen (2005:405) om försäkringsförmedling [the Insurance Mediation Act] and Finansinspektionen's regulations and general guidelines concerning insurance mediation (FFFS 2005:11).
Insurance intermediaries should observe good insurance mediation custom in their business and, with proper care act in the interest of the customer. They are obliged to tailor their advice to the wishes and needs of the customer and to recommend solutions that are appropriate for the customer. Intermediaries are also obliged to advise the consumer not to conclude an insurance contract if the contract does not meet the needs of the consumer. If the intermediary does not fulful these obligations, he or she may be held liable for damages.
Insurance intermediaries must prior to the conclusion of an insurance contract, and if necessary, upon amendment or renewal thereof, provide the customer with, as a minimum, the information provided for in Article 12(1) of the Insurance Mediation Directive. In addition, they must provide the customer with the information about the price of the insurance mediation and the conditions of the professional indemnity insurance professional indemnity insurance that are relevant for the customer in the event of a claim.
The information should be presented in a clear and accurate manner that is comprehensible to the customer. The information should be provided in Swedish or in any other language agreed by the parties. Intermediaries are also obliged to forward any information about the insurance contract that an insurance undertaking is obliged to give to the policyholder.
Sweden - Schengen travel insurance ( more information about Schengen cover )
Contact for Schengen and international travel insurance...