Appendix industries

The business of life insurance is distinguished by the following lines of business:

• 1.

  Life insurance general:

  capital, pension and annuity insurances, with the exception of those included in classes 2 and 3, insurances relating to the care of human funerals that are intended exclusively to provide non-monetary benefits as well as supplementary insurances referred to in Article 1:6, paragraph 2, such as disability insurance and accidental death insurance.

• 2.

  Life insurance related to marriage or birth

• 3.

  Life insurance linked to mutual funds

• 4.

  Permanent health insurance:

  non-cancellable long-term health insurance policies concluded with residents of Ireland or the United Kingdom.

• 5.

  Participation in savings banks

• 6.

  Capitalization operations:

  operations based on an actuarial technique of saving for the purpose of capital formation, consisting of obligations determined in exchange for single or periodic deposits in terms of their duration and amount.

• 7.

  Management over collective pension funds:

  management of pension fund investments including the values held against the provision for pension liabilities.

The business of non-life insurance is distinguished according to the following lines of business, to which the risks listed therein belong:

• 1.

  Accidents:

  • a.

    flat-rate benefits in respect of accidents and occupational diseases;

  • b.

    other accident and occupational disease benefits.

• 2.

  Illness:

  • a.

    flat-rate benefits in respect of illnesses other than occupational diseases;

  • b.

    other benefits relating to illnesses other than occupational diseases.

• 3.

  Vehicle airframe:

  damage to motor vehicles and other vehicles, excluding damage to railroad rolling stock.

• 4.

  Rail rolling stock:

  damages to railroad rolling stock.

• 5.

  Aircraft airframe:

  damages to aircraft.

• 6.

  Casco marine and inland vessels:

  damages to marine and inland vessels.

• 7.

  Items transported:

  damages to items or baggage transported, regardless of the nature of the means of transportation.

• 8.

  Fire and nature events:

  damage to property (other than claims included in the classes Vehicle Hull, Rail Rolling Stock Hull, Aircraft Hull, Marine and Inland Waterways Hull and Transported Property), when caused by fire, explosion, storm or other natural events (other than hail and frost), nuclear or earthquake.

• 9.

  Other damages to business:

  damage to property (with the exception of damage included in the classes Vehicle Hull, Rail Rolling Stock Hull, Aircraft Hull, Marine and Inland Marine Hull and Transported Property), when caused by hail or frost, as well as by all other events not already included in the Fire and Natural Events class.

• 10A.

  Motor vehicle liability:

  Liabilities arising from the use of motor vehicles (with the exception of liabilities, included in the road transport liability branch).

• 10B.

  Road transport liability:

  liabilities arising for the carrier from carriage of goods by road (with the exception of liabilities, included in the motor vehicle liability branch).

• 11.

  Aircraft liability:

  liabilities arising from the use of aircraft, including carrier liabilities.

• 12.

  Marine and inland vessel liability:

  liabilities arising from the use of sea and inland vessels, including carrier liabilities.

• 13.

  General liability:

  other forms of liability not already included in the classes Motor Vehicle Liability, Road Transport Liability, Aircraft Liability and Marine and Inland Marine Liability.

• 14.

  Credit:

  claims resulting from general insolvency, granted export credit, mortgage credit, agricultural credit and installment sales.

• 15.

  Bail:

  damages resulting from direct bail and indirect bail granted.

• 16.

  Various monetary losses:

  monetary losses resulting from risks not covered by any of the other classes.

• 17.

  Legal Aid:

  services rendered and costs incurred in particular for the purpose of recovering damages suffered by an insured and his defense or representation, both in and out of court (with the exception of activities for the defense or representation of an insured that an insurer performs under a liability insurance contract partly in its own interest).

• 18.

  Assistance:

  immediate assistance to persons in distress who are traveling or away from their place of residence (excluding maintenance services, after-sales services and the mere direction regarding or provision of assistance by an intermediary).