The evolution of rules for the Single European Market in insurance

This paper describes legislative steps taken to complete the Single European Market in insurance. It outlines the structure and characteristics of the European insurance market, sets out the programme of European Community legislation introduced to liberalise national regulatory regimes, and examines the role of government and industry in the rule setting process. Finally, the paper assesses the market effects of the legislative measures and highlights remaining hindrances to the creation of a Single Market in the sector.

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