{"change_dates":[],"dossier":{"amendments":[{"authors":"Werner Langen","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-1","location":[["Motion for a resolution","Recital A a (new)"]],"meps":[1928],"meta":{"created":"2019-07-03T05:16:14"},"new":["Aa. whereas the unequal degree of","penetration in the Member States,","conditioned by legal, geophysical, historic","and cultural differences resulting in the","varying levels of demand, can be seen as","necessitating action at European level,","especially in the field of information and","prevention policy;"],"orig_lang":"de","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"1","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Jean-Paul Besset on behalf of the Greens/EFA Group","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-2","location":[["Motion for a resolution","Recital A a (new)"]],"meps":[96699],"meta":{"created":"2019-07-03T05:16:14"},"new":["Aa. whereas penetration rates should be","considered alongside rates of adequacy","(of insurance cover), which should be","produced by the national and European","authorities;"],"orig_lang":"fr","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"2","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Sari Essayah","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-3","location":[["Motion for a resolution","Recital B"]],"meps":[96682],"meta":{"created":"2019-07-03T05:16:14"},"new":["B. whereas the situation in the EU","insurance market is heterogeneous because","Member States are exposed to different","risks and natural catastrophes and the","predictability of a natural catastrophe","depends on different factors","(meteorological, hydrological,","geophysical, etc.);"],"old":["B. whereas the situation in the EU","insurance market is heterogeneous because","","Member States are exposed to different","risks and natural catastrophes and the","predictability of a natural catastrophe","depends on different factors","(meteorological, geographical, etc.);"],"orig_lang":"en","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"3","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Jean-Paul Besset on behalf of the Greens/EFA Group","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-4","location":[[" Motion for a resolution","Recital B a (new)"]],"meps":[96699],"meta":{"created":"2019-07-03T05:16:14"},"new":["Ba. whereas, in many cases, Member","States affected by cross-border natural","disasters have the same level of exposure","to risk and a cross-border, EU-level","approach to risk management is therefore","required;"],"orig_lang":"fr","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"4","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Marlene Mizzi","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-5","location":[[" Motion for a resolution","Recital C"]],"meps":[118858],"meta":{"created":"2019-07-03T05:16:15"},"new":["C. whereas between 1980 and 2011 a small","number of big events gave rise to about","half of all costs related to weather events;","whereas natural and man-made","catastrophes are a financial risk wherever","they happen;"],"old":["C. whereas between 1980 and 2011 a small","number of big events gave rise to about","half of all costs related to weather events;","whereas natural catastrophes are a financial","risk wherever they happen;"],"orig_lang":"en","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"5","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Jean-Paul Besset on behalf of the Greens/EFA Group","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-6","location":[["Motion for a resolution","Recital D"]],"meps":[96699],"meta":{"created":"2019-07-03T05:16:15"},"new":["D. whereas storm surges, river floods and","flash floods are among the main natural","catastrophe risks faced by Europe and,","because their incidence is increasing","rapidly, although it is difficult to estimate","their increasing effects precisely in terms","of damages and costs, there is currently a","scientific consensus that costs will soar, as","will levels of damage, far beyond those","experienced to date;"],"old":["D. whereas storm surges, river floods and","flash floods are among the main natural","catastrophe risks faced by Europe and,","even if their incidence is increasing","rapidly, it is still impossible to estimate","their increasing effects in terms of damages","and costs;"],"orig_lang":"fr","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"6","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Marlene Mizzi","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-7","location":[["Motion for a resolution","Recital D"]],"meps":[118858],"meta":{"created":"2019-07-03T05:16:15"},"new":["D. whereas storm surges, river floods and","flash floods are among the main natural","catastrophe risks faced by Europe and,","even if their incidence is increasing","rapidly, it is still increasingly difficult to","estimate their increasing effects in terms of","damages and costs;"],"old":["D. whereas storm surges, river floods and","flash floods are among the main natural","catastrophe risks faced by Europe and,","even if their incidence is increasing","rapidly, it is still impossible to estimate","their increasing effects in terms of damages","and costs;"],"orig_lang":"en","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"7","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Sari Essayah","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-8","location":[["Motion for a resolution","Recital D"]],"meps":[96682],"meta":{"created":"2019-07-03T05:16:15"},"new":["D. whereas storm surges, forest fires, river","floods and flash floods are among the main","natural catastrophe risks faced by Europe","and, even if their incidence is increasing","rapidly, it is still impossible to estimate","their increasing effects in terms of damages","and costs;"],"old":["D. whereas storm surges, river floods and","flash floods are among the main natural","catastrophe risks faced by Europe and,","even if their incidence is increasing","rapidly, it is still impossible to estimate","their increasing effects in terms of damages","and costs;"],"orig_lang":"en","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"8","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Sari Essayah","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-9","location":[[" Motion for a resolution","Recital E"]],"meps":[96682],"meta":{"created":"2019-07-03T05:16:15"},"new":["E. whereas citizens are often not aware of","the various risks potentially arising from","weather events, or else both as individuals","and communities tend to underestimate the","risks of natural catastrophes as well as the","consequences of lack of preparation;"],"old":["E. whereas citizens are often not aware of","the various risks potentially arising from","weather events, or else tend to","underestimate the risks of natural","catastrophes as well as the consequences of","lack of preparation;"],"orig_lang":"en","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"9","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Sari Essayah","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-10","location":[[" Motion for a resolution","Recital F"]],"meps":[96682],"meta":{"created":"2019-07-03T05:16:15"},"new":["F. whereas on the one hand natural","catastrophes depend on meteorological,","geophysical and hydrological elements,","which may be affected by climate change,","while on the other man-made disasters are","due to incorrect behaviour or bad risk","management;"],"old":["F. whereas on the one hand natural","catastrophes depend on meteorological and","geographical elements, while on the other","man-made disasters are due to incorrect","behaviour or bad risk management;",""],"orig_lang":"en","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"10","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Marlene Mizzi","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-11","location":[["Motion for a resolution","Recital F a (new)"]],"meps":[118858],"meta":{"created":"2019-07-03T05:16:15"},"new":["Fa. whereas the consequences of certain","natural disasters are in certain cases,","amplified by the lack of adequate","precautionary measures by governments,","local authorities and citizens;"],"orig_lang":"en","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"11","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Jean-Paul Besset on behalf of the Greens/EFA Group","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-12","location":[["Motion for a resolution","Recital F a (new)"]],"meps":[96699],"meta":{"created":"2019-07-03T05:16:15"},"new":["Fa. whereas natural disasters are tending","increasingly to highlight and aggravate","the damage caused by man-made","disasters;"],"orig_lang":"fr","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"12","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Nikolaos Chountis","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-13","location":[["Motion for a resolution","Recital F a (new)"]],"meps":[26851],"meta":{"created":"2019-07-03T05:16:15"},"new":["Fa. whereas, with regard to man-made","disasters, the observance and optimisation","of safety rules is very important for the","purposes of accident prevention;"],"orig_lang":"el","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"13","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Jean-Paul Besset on behalf of the Greens/EFA Group","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-14","location":[[" Motion for a resolution","Recital G"]],"meps":[96699],"meta":{"created":"2019-07-03T05:16:16"},"new":["[Does not affect English version.]"],"old":["G. whereas the market in natural","catastrophe insurance is affected by the","extent of preventive measures in the form","of adaptation to climate change (e.g.","creation of flood defences), while the","market in man-made disaster insurance","aims to meet liability requirements","imposed by safety standards;"],"orig_lang":"fr","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"14","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Sari Essayah","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-15","location":[[" Motion for a resolution","Recital G"]],"meps":[96682],"meta":{"created":"2019-07-03T05:16:16"},"new":["G. whereas the market in natural","catastrophe insurance is affected by the","extent of preventive measures in the form","of adaptation to climate change (e.g.","creation of flood defences or fast detection","and reaction capacities against forest","fires), while the market in man-made","disaster insurance aims to meet liability","requirements imposed by safety standards;"],"old":["G. whereas the market in natural","catastrophe insurance is affected by the","extent of preventive measures in the form","of adaptation to climate change (e.g.","creation of flood defences), while the","market in man-made disaster insurance","aims to meet liability requirements","imposed by safety standards;",""],"orig_lang":"en","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"15","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Werner Langen","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-16","location":[["Motion for a resolution","Recital G"]],"meps":[1928],"meta":{"created":"2019-07-03T05:16:16"},"new":["G. whereas the market in natural","catastrophe insurance is affected by the","extent of preventive measures in the form","of adaptation to climate change (e.g.","creation of flood defences), while the","market in man-made disaster insurance","aims to meet liability requirements","imposed by safety standards, which means","that it is inappropriate to treat non-life","and liability insurance in the same way;"],"old":["G. whereas the market in natural","catastrophe insurance is affected by the","extent of preventive measures in the form","of adaptation to climate change (e.g.","creation of flood defences), while the","market in man-made disaster insurance","aims to meet liability requirements","imposed by safety standards;"],"orig_lang":"de","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"16","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Nikolaos Chountis","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-17","location":[["Motion for a resolution","Paragraph 1 a (new)"]],"meps":[26851],"meta":{"created":"2019-07-03T05:16:16"},"new":["1a. Stresses that climate change is, to a","very large extent, linked with the growing","number of natural disasters; believes that,","in order to tackle effectively the root","causes of climate change and","environmental destruction, it is necessary","to change the growth model and economic","model in Europe;"],"orig_lang":"el","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"17","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Jean-Paul Besset","changes":{},"committee":["ECON"],"compromise":[" on behalf of the Greens/EFA Group"],"date":"2013-10-23T00:00:00","id":"PE522.761-18","location":[[" Motion for a resolution","Paragraph 1"]],"meps":[96699],"meta":{"created":"2019-07-03T05:16:16"},"new":["1. Considers that the management of","exposure to risk is the most important","factor in terms of protecting people and","avoiding losses caused by unexpected","events; notes the role of the EU in","developing a more responsible society and","creating a culture of prevention enhancing","citizens' awareness of both natural and","man-made risks;"],"old":["1. Considers that prevention is the most","important factor in terms of protecting","people and avoiding losses caused by","unexpected events; notes the role of the EU","in developing a more responsible society","and creating a culture of prevention","enhancing citizens' awareness of both","natural and man-made risks;"],"orig_lang":"fr","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"18","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Sari Essayah","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-19","location":[[" Motion for a resolution","Paragraph 1"]],"meps":[96682],"meta":{"created":"2019-07-03T05:16:16"},"new":["1. Considers that prevention is the most","important factor in terms of protecting","people and avoiding losses caused by","unexpected events; notes the role of the EU","in developing a more responsible society","which gives enough thought and","resources to precautionary measures and","creating a culture of prevention enhancing","citizens' awareness of both natural and","man-made risks;"],"old":["1. Considers that prevention is the most","important factor in terms of protecting","people and avoiding losses caused by","unexpected events; notes the role of the EU","in developing a more responsible society","and creating a culture of prevention","enhancing citizens' awareness of both","natural and man-made risks;"],"orig_lang":"en","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"19","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Sari Essayah","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-20","location":[[" Motion for a resolution","Paragraph 2"]],"meps":[96682],"meta":{"created":"2019-07-03T05:16:16"},"new":["2. Believes that more research may yield a","detailed framework of different situations","with regard to understanding and","preventing environmental risks and","reducing uncertainty in this field;","welcomes partnerships between insurance","companies and research institutes aimed at","pooling resources, skills and risk expertise","in order to better understand the issues","involved and provide materials for","information campaigns thus preparing","citizens and their communities to better","face risks related to natural catastrophes;"],"old":["2. Believes that more research will yield a","detailed framework of different situations","with regard to understanding and","preventing environmental risks and","reducing uncertainty in this field;","welcomes partnerships between insurance","companies and research institutes aimed at","pooling resources, skills and risk expertise","in order to better prepare citizens to face","risks related to natural catastrophes;"],"orig_lang":"en","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"20","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Jean-Paul Besset on behalf of the Greens/EFA Group","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-21","location":[["Motion for a resolution","Paragraph 2"]],"meps":[96699],"meta":{"created":"2019-07-03T05:16:16"},"new":["2. Believes that more research will yield a","detailed framework of different situations","with regard to understanding","environmental risks, managing exposure","to them and reducing uncertainty in this","field; welcomes partnerships between","insurance companies and research","institutes aimed at pooling resources, skills","and risk expertise in order to better prepare","citizens to face risks related to natural","catastrophes;"],"old":["2. Believes that more research will yield a","detailed framework of different situations","with regard to understanding and","preventing environmental risks and","reducing uncertainty in this field;","welcomes partnerships between insurance","companies and research institutes aimed at","pooling resources, skills and risk expertise","in order to better prepare citizens to face","risks related to natural catastrophes;"],"orig_lang":"fr","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"21","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Marlene Mizzi","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-22","location":[[" Motion for a resolution","Paragraph 2 a (new)"]],"meps":[118858],"meta":{"created":"2019-07-03T05:16:16"},"new":["2a. Believes that information is crucial for","the prevention and mitigation of such","disasters; calls therefore, for closer","cooperation between Member States and","the private sector in order to provide","citizens with relevant information relating","to the risks that they face;"],"orig_lang":"en","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"22","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Marlene Mizzi","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-23","location":[[" Motion for a resolution","Paragraph 3"]],"meps":[118858],"meta":{"created":"2019-07-03T05:16:16"},"new":["3. Takes the view that the EU and national","authorities can provide visible added value","by supporting responsible individual","behaviour, and welcomes the support of","campaigns aimed at improving citizens'","awareness of the risks of natural","catastrophes and knowledge of geography","and climate;"],"old":["3. Takes the view that the EU can provide","visible added value by supporting","responsible individual behaviour, and","welcomes the support of campaigns aimed","at improving citizens' awareness of the","risks of natural catastrophes and","knowledge of geography and climate;"],"orig_lang":"en","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"23","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Sari Essayah","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-24","location":[[" Motion for a resolution","Paragraph 3"]],"meps":[96682],"meta":{"created":"2019-07-03T05:16:16"},"new":["3. Takes the view that the EU can provide","visible added value by supporting","responsible individual behaviour, and","welcomes the support of campaigns aimed","at improving citizens' awareness of the","risks of natural catastrophes and","knowledge of geography and climate and","by sharing best practices on risk","prevention and mitigation amongst","Member States and regionally;"],"old":["3. Takes the view that the EU can provide","visible added value by supporting","","responsible individual behaviour, and","welcomes the support of campaigns aimed","at improving citizens' awareness of the","risks of natural catastrophes and","knowledge of geography and climate;"],"orig_lang":"en","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"24","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Jean-Paul Besset on behalf of the Greens/EFA Group","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-25","location":[["Motion for a resolution","Paragraph 3"]],"meps":[96699],"meta":{"created":"2019-07-03T05:16:16"},"new":["3. Takes the view that the EU can provide","visible added value by supporting","responsible individual behaviour, and","welcomes the support of campaigns aimed","at improving citizens\u2019 awareness of the","risks of natural catastrophes and","knowledge of geography and climate, and","specifically at informing the choices they","make in relation to property investment","and steps to reduce their exposure to","risks;"],"old":["3. Takes the view that the EU can provide","visible added value by supporting","responsible individual behaviour, and","welcomes the support of campaigns aimed","at improving citizens' awareness of the","risks of natural catastrophes and","knowledge of geography and climate;"],"orig_lang":"fr","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"25","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Sari Essayah","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-26","location":[["Motion for a resolution","Paragraph 4"]],"meps":[96682],"meta":{"created":"2019-07-03T05:16:17"},"new":["4. Points out that the involvement of local","authorities and stakeholders in decisions","concerning city planning and urban","development could improve natural","catastrophe management; believes that","closer cooperation between public and","private sectors could help Member States","and local authorities to identify high-risk","areas, decide on preventive measures and","prepare for coordinated action;"],"old":["4. Points out that the involvement of local","authorities and stakeholders in decisions","concerning city planning and urban","","development could improve natural","catastrophe management; believes that","closer cooperation between public and","private sectors could help Member States","and local authorities to identify high-risk","areas and decide on measures for","adaptation to change;"],"orig_lang":"en","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"26","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Marlene Mizzi","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-27","location":[[" Motion for a resolution","Paragraph 4"]],"meps":[118858],"meta":{"created":"2019-07-03T05:16:17"},"new":["4. Points out that the involvement of local","authorities and stakeholders in decisions","concerning city planning and urban","development could improve catastrophe","management; believes that closer","cooperation between public and private","sectors could help Member States and local","authorities to identify high-risk areas and","decide on measures for adaptation to","change;"],"old":["4. Points out that the involvement of local","authorities and stakeholders in decisions","concerning city planning and urban","development could improve natural","catastrophe management; believes that","closer cooperation between public and","private sectors could help Member States","and local authorities to identify high-risk","areas and decide on measures for","adaptation to change;"],"orig_lang":"en","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"27","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Marlene Mizzi","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-28","location":[[" Motion for a resolution","Paragraph 4 a (new)"]],"meps":[118858],"meta":{"created":"2019-07-03T05:16:17"},"new":["4a. Calls for Member States and public","authorities to take adequate preventive","measures in order to mitigate the","consequences of natural disasters; invites","governments to create and maintain crises","response units in order to mitigate the","consequences of such crises;"],"old":[""],"orig_lang":"en","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"28","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Marlene Mizzi","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-29","location":[["Motion for a resolution","Paragraph 5"]],"meps":[118858],"meta":{"created":"2019-07-03T05:16:17"},"new":["5. Urges Member States to share best","practices and experiences with a view to","protecting citizens from unexpected events","and developing a network for information","exchange, to include management at cross-","border level;"],"old":["5. Invites the Member States to share best","practices and experiences with a view to","protecting citizens from unexpected events","and developing a network for information","exchange, to include management at cross-","border level;"],"orig_lang":"en","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"29","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Sari Essayah","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-30","location":[["Motion for a resolution","Paragraph 5"]],"meps":[96682],"meta":{"created":"2019-07-03T05:16:17"},"new":["5. Invites the Member States to share best","practices and experiences with a view to","protecting citizens from unexpected events","and developing a network for information","exchange, and to agree on cross-border","coordination and management;"],"old":["5. Invites the Member States to share best","practices and experiences with a view to","protecting citizens from unexpected events","and developing a network for information","exchange, to include management at","cross-border level;"],"orig_lang":"en","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"30","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Jean-Paul Besset on behalf of the Greens/EFA Group","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-31","location":[[" Motion for a resolution","Paragraph 5 a (new)"]],"meps":[96699],"meta":{"created":"2019-07-03T05:16:17"},"new":["5a. Calls on the Commission to make","available tools for the collection and","distribution of such information, for use","by national authorities, insurance","companies, businesses and households;"],"orig_lang":"fr","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"31","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Jean-Paul Besset on behalf of the Greens/EFA Group","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-32","location":[[" Motion for a resolution","Paragraph 6"]],"meps":[96699],"meta":{"created":"2019-07-03T05:16:17"},"new":["6. Welcomes the Commission\u2019s efforts to","raise awareness regarding disasters, but","notes that natural and man-made disasters","need different types of insurance and are","covered by two different insurance","markets, and therefore cannot be treated","together even if there are cases of man-","made decisions aggravating exposure to a","natural catastrophe risk;"],"old":["6. Welcomes the Commission's efforts to","raise awareness regarding disasters, but","notes that natural and man-made disasters","need different types of insurance and are","covered by two different insurance","markets, and therefore cannot be treated","together even if there are cases of man-","made decisions affecting a natural","catastrophe risk;"],"orig_lang":"fr","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"32","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Ashley Fox","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-33","location":[[" Motion for a resolution","Paragraph 6"]],"meps":[96957],"meta":{"created":"2019-07-03T05:16:17"},"new":["6. Welcomes the Commission's efforts to","raise awareness regarding disasters, but","emphasizes that natural and man-made","disasters need different types of insurance","and are covered by two different insurance","markets, and therefore cannot be treated","together even if there are cases of man-","made decisions affecting a natural","catastrophe risk;"],"old":["6. Welcomes the Commission's efforts to","raise awareness regarding disasters, but","notes that natural and man-made disasters","","need different types of insurance and are","covered by two different insurance","markets, and therefore cannot be treated","together even if there are cases of man-","made decisions affecting a natural","catastrophe risk;"],"orig_lang":"en","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"33","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Nils Torvalds","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-34","location":[["Motion for a resolution","Paragraph 6"]],"meps":[114268],"meta":{"created":"2019-07-03T05:16:17"},"new":["6. Welcomes the Commission's efforts to","raise awareness regarding disasters, but","notes that natural and man-made disasters","need different types of insurance and are","covered by two different insurance","markets, since a man-made disaster unlike","a natural disaster has no liable part, and","therefore cannot be treated together even if","there are cases of man-made decisions","affecting a natural catastrophe risk;"],"old":["6. Welcomes the Commission's efforts to","raise awareness regarding disasters, but","notes that natural and man-made disasters","need different types of insurance and are","covered by two different insurance","markets, and therefore cannot be treated","together even if there are cases of man-","made decisions affecting a natural","catastrophe risk;"],"orig_lang":"en","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"34","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Sari Essayah","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-35","location":[["Motion for a resolution","Paragraph 6 a (new)"]],"meps":[96682],"meta":{"created":"2019-07-03T05:16:17"},"new":["6a. Points out that in most Member States","there is some form of insurance-based","system for floods and other natural","damages. The system can be","supplemented with state fund's","compensation of those assets which","cannot be privately insured. State funds","may also compensate insurance claims","exceeding the maximum amounts or","otherwise exceptionally heavy damage. In","addition, a Member State may participate","in the compensation for damages by","providing reinsurance. These systems,","however, differ in many respects, and it","may not be prudent or necessary to unify","them."],"old":[""],"orig_lang":"en","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"35","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Nils Torvalds","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-36","location":[[" Motion for a resolution","Paragraph 6 a (new)"]],"meps":[114268],"meta":{"created":"2019-07-03T05:16:17"},"new":["6a. Underlines that the EU should not","create overlapping and contradicting","liability rules; points out that the","commission also works on, or has in","place, a natural environmental liability","directive, a nuclear liability directive and","a safety of offshore oil and gas operations","directive that partly already addresses","some potential man-made disasters;"],"orig_lang":"en","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"36","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Nikolaos Chountis","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-37","location":[[" Motion for a resolution","Paragraph 6 a (new)"]],"meps":[26851],"meta":{"created":"2019-07-03T05:16:17"},"new":["6a. \u0395xpresses concern that the anticipated","growth of this insurance sector, arising","from the substantial increase in the","number of natural disasters and dictated","by its very nature, could, if unregulated by","strict insurance company framework","monitoring provisions, create a risk of","unsafe or toxic insurance products being","developed;"],"old":[""],"orig_lang":"el","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"37","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Sari Essayah","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-38","location":[["Motion for a resolution","Paragraph 6 b (new)"]],"meps":[96682],"meta":{"created":"2019-07-03T05:16:18"},"new":["6b. Notes that Regulation (EC) No","2012/2002 establishing the European","Union Solidarity Fund is the basis for","Community action in cases of major","disasters and the Regulation notes clearly","that \"Community action should not","relieve third parties of their responsibility","who, under the 'polluter-pays' principle,","are liable in the first instance for the","damage caused by them, or discourage","preventive measures at both Member State","and Community level.\""],"orig_lang":"en","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"38","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Ashley Fox","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-39","location":[["Motion for a resolution","Paragraph 7"]],"meps":[96957],"meta":{"created":"2019-07-03T05:16:18"},"new":["7. Encourages the Commission to","guarantee easy access to scientific","information, including through","comparative statistics, and to publish clear","and precise data to support decision-","making by consumers when taking out","natural catastrophe insurance;"],"old":["7. Encourages the Commission to","guarantee easy access to scientific","information, including through","comparative statistics, and to publish clear","and precise data to support decision-","making by consumers when taking out","","natural catastrophe insurance; considers","that the introduction of standard formats","based on different classifications of events","could be useful;"],"orig_lang":"en","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"39","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Marlene Mizzi","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-40","location":[[" Motion for a resolution","Paragraph 7"]],"meps":[118858],"meta":{"created":"2019-07-03T05:16:18"},"new":["7. Encourages the Commission to","guarantee easy access to relevant","information, including through","comparative statistics, and to publish clear","and precise data to support decision-","making by consumers when taking out","natural catastrophe insurance; considers","that the introduction of standard formats","based on different classifications of events","could be useful;"],"old":["7. Encourages the Commission to","guarantee easy access to scientific","information, including through","comparative statistics, and to publish clear","and precise data to support decision-","making by consumers when taking out","natural catastrophe insurance; considers","that the introduction of standard formats","based on different classifications of events","could be useful;"],"orig_lang":"en","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"40","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Sari Essayah","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-41","location":[[" Motion for a resolution","Paragraph 7"]],"meps":[96682],"meta":{"created":"2019-07-03T05:16:18"},"new":["7. Encourages the Commission to","guarantee easy access to scientific","information, including through","comparative statistics, and the Member","States to publish clear and precise data to","support decision- making by consumers,","communities and companies when taking","out natural catastrophe insurance;","considers that the introduction of standard","formats based on different classifications","of events could be useful;"],"old":["7. Encourages the Commission to","guarantee easy access to scientific","information, including through","comparative statistics, and to publish clear","and precise data to support decision-","making by consumers when taking out","natural catastrophe insurance; considers","that the introduction of standard formats","","based on different classifications of events","could be useful;"],"orig_lang":"en","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"41","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Jean-Paul Besset on behalf of the Greens/EFA Group","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-42","location":[["Motion for a resolution","Paragraph 7 a (new)"]],"meps":[96699],"meta":{"created":"2019-07-03T05:16:18"},"new":["7a. Calls on the Commission to create a","single database on natural hazards in","Europe and the legal and financial risk-","management tools that address them, and","to publish it (in the form of an interactive","map and a website);"],"orig_lang":"fr","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"42","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Werner Langen","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-43","location":[["Motion for a resolution","Paragraph 8"]],"meps":[1928],"meta":{"created":"2019-07-03T05:16:18"},"new":["8. Recalls that natural catastrophes affect","both private households and business","activities, and encourages insurance","companies to credit citizens and","undertakings for preventive measures as","an incentive for prevention and cost-","efficient insurance coverage, thereby","encouraging them to protect and insure","their property against damage; invites","companies to devise incentives responding","to insurance needs in terms of","environmental liability, e.g. for enterprises","in the gas or the nuclear sector;"],"old":["8. Recalls that natural catastrophes affect","both private households and business","activities, and encourages insurance","companies to offer affordable coverage","and to propose economic incentives to","encourage citizens to take out insurance","to protect their property in case of damage;","invites companies to devise incentives","responding to insurance needs in terms of","environmental liability, e.g. for enterprises","in the gas or the nuclear sector;"],"orig_lang":"de","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"43","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Ashley Fox","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-44","location":[[" Motion for a resolution","Paragraph 8"]],"meps":[96957],"meta":{"created":"2019-07-03T05:16:18"},"new":["8. Recalls that natural catastrophes affect","both private households and business","activities, and encourages insurance","companies to offer affordable coverage.","Invites Member States to propose","incentives to encourage citizens to take out","insurance to protect their property in case","of damage; and incentives responding to","insurance needs in terms of environmental","liability, e.g. for enterprises in the gas or","the nuclear sector;"],"old":["8. Recalls that natural catastrophes affect","both private households and business","activities, and encourages insurance","companies to offer affordable coverage","and to propose economic incentives to","encourage citizens to take out insurance to","protect their property in case of damage;","invites companies to devise incentives","responding to insurance needs in terms of","environmental liability, e.g. for enterprises","in the gas or the nuclear sector;"],"orig_lang":"en","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"44","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Marlene Mizzi","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-45","location":[[" Motion for a resolution","Paragraph 8"]],"meps":[118858],"meta":{"created":"2019-07-03T05:16:18"},"new":["8. Recalls that natural catastrophes affect","both private households and business","activities, and encourages insurance","companies to offer affordable coverage and","to propose incentives to encourage citizens","to take out insurance to protect their","property in case of damage; invites","companies to devise incentives responding","to insurance needs in terms of","environmental liability, e.g. for enterprises","in the gas or the nuclear sector;"],"old":["8. Recalls that natural catastrophes affect","both private households and business","activities, and encourages insurance","companies to offer affordable coverage and","to propose economic incentives to","encourage citizens to take out insurance to","protect their property in case of damage;","invites companies to devise incentives","responding to insurance needs in terms of","environmental liability, e.g. for enterprises","in the gas or the nuclear sector;"],"orig_lang":"en","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"45","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Sari Essayah","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-46","location":[["Motion for a resolution","Paragraph 8"]],"meps":[96682],"meta":{"created":"2019-07-03T05:16:18"},"new":["8. Recalls that natural catastrophes affect","both private households and business","activities, and encourages insurance","companies to offer affordable coverage and","to propose economic incentives to","encourage citizens to take out insurance to","protect their property in case of damage;","invites insurance companies to devise","incentives responding to insurance needs in","terms of environmental liability, e.g. for","enterprises in the mining, gas, chemical or","the nuclear sector;"],"old":["8. Recalls that natural catastrophes affect","both private households and business","activities, and encourages insurance","companies to offer affordable coverage and","to propose economic incentives to","encourage citizens to take out insurance to","protect their property in case of damage;","invites companies to devise incentives","responding to insurance needs in terms of","environmental liability, e.g. for enterprises","in the gas or the nuclear sector;"],"orig_lang":"en","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"46","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Ashley Fox","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-47","location":[["Motion for a resolution","Paragraph 9"]],"meps":[96957],"meta":{"created":"2019-07-03T05:16:18"},"new":["9. Invites insurance companies to clarify","contracts for consumers and to provide","information on alternative options to","ensure adequate consumer choice;"],"old":["9. Encourages insurance companies to","simplify contracts for consumers and to","provide information on preventive","measures to facilitate consumers' choices;"],"orig_lang":"en","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"47","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Werner Langen","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-48","location":[["Motion for a resolution","Paragraph 9"]],"meps":[1928],"meta":{"created":"2019-07-03T05:16:18"},"new":["9. Encourages insurance companies to","provide information on preventive","measures to facilitate consumers\u2019 choices;"],"old":["9. Encourages insurance companies to","simplify contracts for consumers and to","provide information on preventive","measures to facilitate consumers\u2019 choices;"],"orig_lang":"de","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"48","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Marlene Mizzi","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-49","location":[[" Motion for a resolution","Paragraph 9"]],"meps":[118858],"meta":{"created":"2019-07-03T05:16:18"},"new":["9. Urges insurance companies to simplify","contracts for consumers and to provide","information on preventive measures to","facilitate consumers' choices;"],"old":["9. Encourages insurance companies to","simplify contracts for consumers and to","provide information on preventive","measures to facilitate consumers' choices;"],"orig_lang":"en","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"49","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Jean-Paul Besset on behalf of the Greens/EFA Group","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-50","location":[[" Motion for a resolution","Paragraph 9"]],"meps":[96699],"meta":{"created":"2019-07-03T05:16:18"},"new":["9. Encourages insurance companies to","simplify contracts for consumers and to","provide information on preventive","measures, and their impact on the price of","cover, in order to facilitate consumers\u2019","choices;"],"old":["9. Encourages insurance companies to","simplify contracts for consumers and to","provide information on preventive","measures to facilitate consumers' choices;"],"orig_lang":"fr","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"50","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Jean-Paul Besset on behalf of the Greens/EFA Group","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-51","location":[["Motion for a resolution","Paragraph 9 a (new)"]],"meps":[96699],"meta":{"created":"2019-07-03T05:16:18"},"new":["9a. Emphasises the need to harmonise","requirements in relation to","pre-contractual information for","consumers in the EU;"],"orig_lang":"fr","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"51","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Sari Essayah","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-52","location":[["Motion for a resolution","Paragraph 10"]],"meps":[96682],"meta":{"created":"2019-07-03T05:16:19"},"new":["10. Recognises the need for consumers to","understand what type of coverage they","have and how it would operate when risks","materialise; points out that consumers need","to be fully informed of all terms and","conditions when buying insurance products","and before signing a contract;"],"old":["10. Recognises the need for consumers to","understand what type of coverage they","have and how it would operate; points out","that consumers need to be fully informed","of all terms and conditions when buying","insurance products and before signing a","contract;"],"orig_lang":"en","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"52","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Jean-Paul Besset on behalf of the Greens/EFA Group","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-53","location":[["Motion for a resolution","Paragraph 10"]],"meps":[96699],"meta":{"created":"2019-07-03T05:16:19"},"new":["10. Recognises the need for consumers to","understand what type of coverage they","have and how it would operate; points out","that consumers need to be fully informed","of all terms and conditions, including the","procedures for withdrawal from a","contract and for making complaints and","the deadlines applicable in such","procedures, when buying insurance","products and before signing a contract;"],"old":["10. Recognises the need for consumers to","understand what type of coverage they","","have and how it would operate; points out","that consumers need to be fully informed","of all terms and conditions when buying","insurance products and before signing a","contract;"],"orig_lang":"fr","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"53","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Nikolaos Chountis","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-54","location":[[" Motion for a resolution","Paragraph 10"]],"meps":[26851],"meta":{"created":"2019-07-03T05:16:19"},"new":["10. Recognises the need for consumers to","understand what type of coverage they","have and how it would operate; points out","that consumers need to be fully informed","of all terms and conditions when buying","insurance products and before signing a","contract; believes that the protection of","individual consumers and adequate","precautions to guard against controversial","and damaging insurance packages must","be a fundamental concern of the EU and","the Member States;"],"old":["10. Recognises the need for consumers to","understand what type of coverage they","have and how it would operate; points out","that consumers need to be fully informed","of all terms and conditions when buying","insurance products and before signing a","contract;"],"orig_lang":"el","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"54","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Marlene Mizzi","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-55","location":[[" Motion for a resolution","Paragraph 10 a (new)"]],"meps":[118858],"meta":{"created":"2019-07-03T05:16:19"},"new":["10a. Considers that risk-based pricing","should be central to the availability of","insurance coverage; urges therefore","relevant authorities to provide citizens","with clear and easy to access information;"],"orig_lang":"en","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"55","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Sari Essayah","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-56","location":[["Motion for a resolution","Paragraph 11"]],"meps":[96682],"meta":{"created":"2019-07-03T05:16:19"},"new":["11. Recalls that in the end it is the state or","the regional authorities that carry a lot of","the indirect or direct cost burden for","damages, be the causes natural or man-","made, and suggests that Member States","and regional authorities should recognise","the importance of prevention of risks and","should make it a pillar of investment","strategy, since it is more efficient to","minimise the consequences of disasters","instead of just providing cover and","repairing damages afterwards;"],"old":["11. Recalls that in the end it is the state","that pays for damages, and suggests that","Member States should recognise the","importance of prevention and should make","it a pillar of investment strategy, since it is","more efficient to minimise the","consequences of disasters instead of","providing cover and repairing afterwards;"],"orig_lang":"en","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"56","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Jean-Paul Besset on behalf of the Greens/EFA Group","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-57","location":[["Motion for a resolution","Paragraph 11"]],"meps":[96699],"meta":{"created":"2019-07-03T05:16:19"},"new":["11. Recalls that in the end it is the state that","pays for damages, and suggests that","Member States should recognise the","importance of prevention and should make","it a pillar of investment strategy, since it is","more efficient to minimise exposure to","disasters, natural and man-made, instead","of providing cover and repairing","afterwards;"],"old":["11. Recalls that in the end it is the state that","pays for damages, and suggests that","Member States should recognise the","importance of prevention and should make","it a pillar of investment strategy, since it is","more efficient to minimise the","consequences of disasters instead of","providing cover and repairing afterwards;"],"orig_lang":"fr","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"57","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Sari Essayah","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-58","location":[[" Motion for a resolution","Paragraph 12"]],"meps":[96682],"meta":{"created":"2019-07-03T05:16:19"},"new":["12. Underlines the risk of moral hazard if","citizens assume that their government will","be using public resources from the national","budget to cover their losses; is therefore","critical of actions and measures which may","discourage citizens or communities from","taking measures to protect themselves; is","of the opinion that citizens should carry","their share of responsibility and","compensations should not cover all","damages;"],"old":["12. Underlines the risk of moral hazard","when citizens assume that their","government is using public resources from","the national budget to cover losses; is","therefore critical of actions and measures","discouraging citizens from taking","measures to protect themselves;"],"orig_lang":"en","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"58","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Jean-Paul Besset on behalf of the Greens/EFA Group","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-59","location":[[" Motion for a resolution","Paragraph 12"]],"meps":[96699],"meta":{"created":"2019-07-03T05:16:19"},"new":["12. Underlines the risk of moral hazard","when citizens assume that their","government is using public resources from","the national budget to cover losses; is","therefore critical of actions and measures","discouraging citizens from taking measures","to protect themselves, except in cases","where such actions and measures are","based on sound scientific research;"],"old":["12. Underlines the risk of moral hazard","when citizens assume that their","government is using public resources from","the national budget to cover losses; is","therefore critical of actions and measures","discouraging citizens from taking measures","to protect themselves;"],"orig_lang":"fr","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"59","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Werner Langen","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-60","location":[["Motion for a resolution","Paragraph 12"]],"meps":[1928],"meta":{"created":"2019-07-03T05:16:19"},"new":["12. Underlines the risk of moral hazard","when citizens assume that their","government is using public resources from","the national budget to cover losses; is","therefore critical of actions and measures","discouraging citizens from taking measures","to protect themselves such as taking out","compulsory insurance for example;"],"old":["12. Underlines the risk of moral hazard","when citizens assume that their","government is using public resources from","the national budget to cover losses; is","therefore critical of actions and measures","discouraging citizens from taking measures","to protect themselves;"],"orig_lang":"de","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"60","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Marlene Mizzi","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-61","location":[["Motion for a resolution","Paragraph 12 a (new)"]],"meps":[118858],"meta":{"created":"2019-07-03T05:16:19"},"new":["12a. Notes that whilst moral hazard has to","be avoided, Member states still have an","important role to play in the prevention of","such catastrophes;"],"orig_lang":"en","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"61","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Sari Essayah","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-62","location":[["Motion for a resolution","Paragraph 13"]],"meps":[96682],"meta":{"created":"2019-07-03T05:16:19"},"new":["13. Recalls that individual responsibility in","this sector has to be maintained, and is","aware of the efforts made by Member","States to combine the promotion of","individual responsibility with intervention","by government;"],"old":["13. Recalls that individual responsibility in","this sector has to be maintained, and is","aware of the efforts made by Member","States to combine the promotion of","","individual responsibility with intervention","by government, paying for everything in","cases of absence of private initiative;"],"orig_lang":"en","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"62","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Sari Essayah","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-63","location":[[" Motion for a resolution","Paragraph 14"]],"meps":[96682],"meta":{"created":"2019-07-03T05:16:19"},"new":["14. Concludes that there is no market","distortion in this field to justify","intervention at European level, and does","not think that a one-size-fits-all solution","would be feasible for this issue; recalls that","tailor-made insurance products depend on","many elements, such as type of risks, their","probable quantity and quality, culture of","prevention, the state of preparedness and","capacity for action and the approach taken","by Member States and regional authorities","concerning risk monitoring and","preparation;"],"old":["14. Concludes that there is no market","distortion in this field to justify","intervention at European level, and does","not think that a one-size-fits-all solution is","feasible for this issue; recalls that tailor-","made insurance products depend on many","elements, such as type of risks, culture and","the approach taken by Member States;"],"orig_lang":"en","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"63","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Sari Essayah","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-64","location":[[" Motion for a resolution","Paragraph 15"]],"meps":[96682],"meta":{"created":"2019-07-03T05:16:19"},"new":["15. Considers that a flexible natural","catastrophe insurance market allows","insurance companies to adapt products to","different conditions, and believes that a","non-mandatory framework is the best way","to develop products matching with natural","risks in a given geographical area;"],"old":["15. Considers that a flexible natural","catastrophe insurance market allows","companies to adapt products to different","conditions, and believes that a non-","mandatory framework is the best way to","develop products matching with natural","","risks in a given geographical area;"],"orig_lang":"fi","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"64","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Sari Essayah","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-65","location":[["Motion for a resolution","Paragraph 15"]],"meps":[96682],"meta":{"created":"2019-07-03T05:16:19"},"new":["15. Considers that a flexible natural","catastrophe insurance market allows","companies to adapt products to different","conditions, and believes that a non-","mandatory framework is a way to develop","products matching with natural risks in a","given geographical area, but Member","States may, based on their different","cultures and situations, also consider","burden sharing for example by making","insurance against natural disasters an","obligatory part of fire insurance, so that","certain high risk areas would not be left","uncovered;"],"old":["15. Considers that a flexible natural","catastrophe insurance market allows","companies to adapt products to different","conditions, and believes that a non-","mandatory framework is the best way to","develop products matching with natural","risks in a given geographical area;"],"orig_lang":"en","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"65","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Hans-Peter Martin","changes":{},"committee":["ECON"],"date":"2013-10-23T00:00:00","id":"PE522.761-66","location":[["Motion for a resolution","Paragraph 15"]],"meps":[4238],"meta":{"created":"2019-07-03T05:16:19"},"new":["15. Considers that a flexible natural","catastrophe insurance market allows","companies to adapt products to different","conditions, and believes that a non-","mandatory framework is the best way to","develop products matching with natural","risks in a given geographical area; stresses","at the same time that consumers need","clear information to make decisions about","the need and value of insurance cover and","that insurance companies should be duty-","bound to provide unbidden clear and","comprehensible information for clients","and prospective clients setting out the","costs and benefits of individual contracts;"],"old":["15. Considers that a flexible natural","catastrophe insurance market allows","companies to adapt products to different","conditions, and believes that a non-","mandatory framework is the best way to","develop products matching with natural","risks in a given geographical area;",""],"orig_lang":"de","peid":"PE522.761v01-00","reference":"2013/2174(INI)","seq":"66","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-522.761+01+DOC+PDF+V0//EN&language=EN"}],"changes":{"2013-09-17T00:33:47":[{"data":[{"body":"EC","commission":[{"Commissioner":"GEORGIEVA Kristalina","DG":{"title":"Internal Market and Services","url":"http://ec.europa.eu/dgs/internal_market/"}}],"date":"2013-04-16T00:00:00","docs":[{"celexid":"CELEX:52013DC0213:EN","title":"COM(2013)0213","type":"Non-legislative basic document published","url":"http://www.europarl.europa.eu/registre/docs_autres_institutions/commission_europeenne/com/2013/0213/COM_COM(2013)0213_EN.pdf"}],"type":"Non-legislative basic document"},{"body":"EP","committees":[{"body":"EP","committee":"ECON","committee_full":"Economic and Monetary Affairs","date":"2013-06-18T00:00:00","rapporteur":[{"group":"EFD","mepref":"4de188e80fb8127435bdc3ec","name":"TERHO Sampo"}],"responsible":true,"shadows":[{"group":"EPP","mepref":"4de1862d0fb8127435bdc002","name":"LANGEN Werner"},{"group":"S&D","mepref":"5181b058b819f21320000001","name":"MIZZI Marlene"},{"group":"ALDE","mepref":"4ff717aeb819f245c4000000","name":"TORVALDS Nils"},{"group":"Verts/ALE","mepref":"4de1837a0fb8127435bdbc24","name":"BESSET Jean-Paul"},{"group":"ECR","mepref":"4de184c70fb8127435bdbe09","name":"FOX Ashley"}]},{"body":"EP","committee":"ENVI","committee_full":"Environment, Public Health and Food Safety","responsible":false},{"body":"EP","committee":"IMCO","committee_full":"Internal Market and Consumer Protection","responsible":false},{"body":"EP","committee":"JURI","committee_full":"Legal Affairs","responsible":false}],"date":"2013-09-12T00:00:00","type":"Committee referral announced in Parliament, 1st reading/single reading"},{"body":"EP","date":"2013-12-17T00:00:00","type":"Vote scheduled in committee, 1st reading/single reading"},{"body":"EP","date":"2014-02-05T00:00:00","type":"Indicative plenary sitting date, 1st reading/single reading"}],"path":["activities"],"type":"added"},{"data":[{"body":"EC","commissioner":"GEORGIEVA Kristalina","dg":{"title":"Internal Market and Services","url":"http://ec.europa.eu/dgs/internal_market/"}}],"path":["other"],"type":"added"},{"data":[{"body":"EP","committee":"ECON","committee_full":"Economic and Monetary Affairs","date":"2013-06-18T00:00:00","rapporteur":[{"group":"EFD","mepref":"4de188e80fb8127435bdc3ec","name":"TERHO Sampo"}],"responsible":true,"shadows":[{"group":"EPP","mepref":"4de1862d0fb8127435bdc002","name":"LANGEN Werner"},{"group":"S&D","mepref":"5181b058b819f21320000001","name":"MIZZI Marlene"},{"group":"ALDE","mepref":"4ff717aeb819f245c4000000","name":"TORVALDS Nils"},{"group":"Verts/ALE","mepref":"4de1837a0fb8127435bdbc24","name":"BESSET Jean-Paul"},{"group":"ECR","mepref":"4de184c70fb8127435bdbe09","name":"FOX Ashley"}]},{"body":"EP","committee":"ENVI","committee_full":"Environment, Public Health and Food Safety","responsible":false},{"body":"EP","committee":"IMCO","committee_full":"Internal Market and Consumer Protection","responsible":false},{"body":"EP","committee":"JURI","committee_full":"Legal Affairs","responsible":false}],"path":["committees"],"type":"added"},{"data":{},"path":["links"],"type":"added"},{"data":{"dossier_of_the_committee":"ECON/7/13126","legal_basis":["Rules of Procedure of the European Parliament EP 048"],"reference":"2013/2174(INI)","stage_reached":"Awaiting committee decision","subject":["2.50.05 Insurance, occupational pension funds","3.70.10 Man-made disasters, industrial pollution and accidents","3.70.11 Natural disasters, Solidarity Fund","3.70.16 Law and environment, liability","4.60.02 Consumer information, advertising, labelling","4.60.06 Consumers' economic and legal interests"],"subtype":"Initiative","title":"Insurance of natural and man-made disasters","type":"INI - Own-initiative procedure"},"path":["procedure"],"type":"added"}],"2013-09-26T00:23:53":[{"data":{"body":"EP","date":"2013-09-25T00:00:00","docs":[{"title":"PE519.700","type":"Committee draft report"}],"type":"Committee draft report"},"path":["activities",2],"type":"added"}],"2013-10-01T20:51:50":[{"data":["
PURPOSE: to present a Green Paper on the insurance of\nnatural and man-made disasters.
\nBACKGROUND: the European Union is vulnerable to nearly\nall types of natural disasters. Disasters not only cause human\nlosses but also damages to the value of billions of euros every\nyear, affecting economic stability and growth.
\nDisasters may have cross-border effects and can\npotentially threaten entire areas in neighbouring countries. Even\nwhere costs of major disasters are locally concentrated, if costs\nare inadequately covered by insurance then individual Member States\nmay carry large fiscal burdens, which could cause internal and\nexternal imbalances. This is thus an important issue for\ncitizens, companies and governments across the Union.
\nIn 2010, the Council adopted a series of conclusions in\nwhich it invited the Commission to evaluate and report on the\npotential for the European Union to facilitate and support\nincreased coverage of appropriate disaster risk insurance and\nfinancial risk transfer markets, as well as regional insurance\npooling, in terms of knowledge transfer, cooperation, or seed\nfinancing.
\nThis Green Paper poses a number of questions\nconcerning the adequacy and availability of appropriate disaster\ninsurance and accompanies the Communication entitled \"An EU strategy on adaptation to climate\nchange\".
\nCONTENT: the objective is to raise awareness and to\nassess whether or not action at EU level could be appropriate or\nwarranted to improve the market for disaster insurance in the\nEuropean Union.
\nMore generally, this process will also:
\nNext steps: the\nCommission invites stakeholders to comment on all the issues set\nout in this Green Paper.
\nOn the basis of the outcome of this consultation, the\nCommission will decide on the best course of action to take on the\nissues outlined in this Green Paper, including legislative\nmeasures, as appropriate.
\nStakeholders are invited to send their comments before\n30 June 2013.
\nPURPOSE: to present a Green Paper on the insurance of\nnatural and man-made disasters.
\nBACKGROUND: the European Union is vulnerable to nearly\nall types of natural disasters. Disasters not only cause human\nlosses but also damages to the value of billions of euros every\nyear, affecting economic stability and growth.
\nDisasters may have cross-border effects and can\npotentially threaten entire areas in neighbouring countries. Even\nwhere costs of major disasters are locally concentrated, if costs\nare inadequately covered by insurance then individual Member States\nmay carry large fiscal burdens, which could cause internal and\nexternal imbalances. This is thus an important issue for\ncitizens, companies and governments across the Union.
\nIn 2010, the Council adopted a series of conclusions in\nwhich it invited the Commission to evaluate and report on the\npotential for the European Union to facilitate and support\nincreased coverage of appropriate disaster risk insurance and\nfinancial risk transfer markets, as well as regional insurance\npooling, in terms of knowledge transfer, cooperation, or seed\nfinancing.
\nThis Green Paper poses a number of questions\nconcerning the adequacy and availability of appropriate disaster\ninsurance and accompanies the Communication entitled \"An EU strategy on adaptation to climate\nchange\".
\nCONTENT: the objective is to raise awareness and to\nassess whether or not action at EU level could be appropriate or\nwarranted to improve the market for disaster insurance in the\nEuropean Union.
\nMore generally, this process will also:
\nNext steps: the\nCommission invites stakeholders to comment on all the issues set\nout in this Green Paper.
\nOn the basis of the outcome of this consultation, the\nCommission will decide on the best course of action to take on the\nissues outlined in this Green Paper, including legislative\nmeasures, as appropriate.
\nStakeholders are invited to send their comments before\n30 June 2013.
\nPURPOSE: to present a Green Paper on the insurance of\nnatural and man-made disasters.
\nBACKGROUND: the European Union is vulnerable to nearly\nall types of natural disasters. Disasters not only cause human\nlosses but also damages to the value of billions of euros every\nyear, affecting economic stability and growth.
\nDisasters may have cross-border effects and can\npotentially threaten entire areas in neighbouring countries. Even\nwhere costs of major disasters are locally concentrated, if costs\nare inadequately covered by insurance then individual Member States\nmay carry large fiscal burdens, which could cause internal and\nexternal imbalances. This is thus an important issue for\ncitizens, companies and governments across the Union.
\nIn 2010, the Council adopted a series of conclusions in\nwhich it invited the Commission to evaluate and report on the\npotential for the European Union to facilitate and support\nincreased coverage of appropriate disaster risk insurance and\nfinancial risk transfer markets, as well as regional insurance\npooling, in terms of knowledge transfer, cooperation, or seed\nfinancing.
\nThis Green Paper poses a number of questions\nconcerning the adequacy and availability of appropriate disaster\ninsurance and accompanies the Communication entitled \"An EU strategy on adaptation to climate\nchange\".
\nCONTENT: the objective is to raise awareness and to\nassess whether or not action at EU level could be appropriate or\nwarranted to improve the market for disaster insurance in the\nEuropean Union.
\nMore generally, this process will also:
\nNext steps: the\nCommission invites stakeholders to comment on all the issues set\nout in this Green Paper.
\nOn the basis of the outcome of this consultation, the\nCommission will decide on the best course of action to take on the\nissues outlined in this Green Paper, including legislative\nmeasures, as appropriate.
\nStakeholders are invited to send their comments before\n30 June 2013.
\nThe Committee on Economic and Monetary Affairs adopted\nthe own-initiative report by Sampo TERHO (EFD, FI) on the insurance\nof natural and man-made disasters in response to the Commission\nGreen Paper on the subject.
\nMembers note that the situation in the EU insurance\nmarket is heterogeneous because Member States are exposed to\ndifferent risks and natural catastrophes and the predictability of\na natural catastrophe depends on different factors (meteorological,\nhydrological, geophysical, etc.). They recall that between 1980 and\n2011 a small number of big events gave rise to about half of all\ncosts related to weather events.
\nAccordingly, the report calls for prevention and\ninformation measures in order to protecting people and avoid\nlosses caused by unexpected events.
\nTo prevent environmental risks, it suggests more\nresearch in partnership with insurance companies in order to better\nunderstand the issues involved, thus preparing citizens and their\ncommunities for risks related to natural catastrophes.
\nMembers also consider that information is crucial\nfor the prevention and mitigation of such disasters, and call\nfor closer cooperation between Member States and the private sector\nin this area.
\nAt European level, the committee favoured the sharing\nof best practice on risk prevention and mitigation amongst Member\nStates and regionally. It pointed out that the involvement of\nlocal authorities in decisions concerning city planning and\nurban development could improve natural catastrophe management. It\ncalled for Member States and public authorities to take adequate\npreventive measures in order to mitigate the consequences of\nnatural disasters and to create and maintain crisis response\nunits.
\nInsurance market: whilst\nwelcoming the Commissions Green Paper, Members note that\nnatural and man-made disasters need different types of insurance\nand are covered by two different insurance markets. Such\ndisasters cannot be treated together even if there are cases of\nman-made decisions aggravating exposure to a natural catastrophe\nrisk. Members underline that the EU should not create\noverlapping and contradicting liability rules.
\nMost Member States already have some form of\ninsurance-based system for floods and other natural damage, but the\nsystem can be supplemented with state funds to compensate for\nthose assets that cannot be privately insured. State funds may\nalso compensate for insurance claims exceeding the maximum amounts\nor for otherwise exceptionally heavy damage. The report also\ntakes the view that a Member State may participate in compensation\nfor damage by providing reinsurance. It stated, however,\nthat these systems differ in many respects, and it is not\nprudent or necessary to unify them.
\nRecalling that natural catastrophes affect both\nprivate households and business activities, the committee\nencourages insurance companies to take risk-based pricing as a\ncentral approach to disaster insurance. It invites Member\nStates to propose incentives to encourage citizens to protect\nthemselves and insure their property against damage, and\nincentives responding to insurance needs in terms of environmental\nliability, e.g. for enterprises in mining or in the gas, chemical\nor nuclear sectors.
\nInsurance companies, for their part, are invited to\nclarify contracts for consumers and to provide information on\navailable options and their impact on the price of cover, in order\nto ensure adequate consumer choice. Insurance companies must\nprovide clear and comprehensible information for clients and\nprospective clients. Risk-based pricing should be central to the\navailability of insurance coverage.
\nNon-mandatory insurance:\nMembers recall that in the end it is the state or the regional\nauthorities that bear much of the indirect or direct cost burden\nfor damage, be the causes natural or man-made. They suggest that\nMember States and regional authorities should recognise the\nimportance of risk prevention and should make it a pillar of\ninvestment strategy, since it is more efficient to minimise the\nconsequences of disasters instead of just providing cover and\nrepairing damage afterwards.
\nUnderlining the risk of moral hazard if citizens\nassume that their government would be using public resources from\nthe national budget to cover their losses, Members are critical of\nactions which may discourage citizens or communities from taking\nmeasures to protect themselves. Citizens should carry their\nshare of responsibility and compensation should not cover all\ndamage.
\nMembers recall that individual responsibility in this\nsector has to be maintained, and is aware of the efforts made by\nMember States to combine the promotion of individual responsibility\nwith intervention by government.
\nIn conclusion, Members consider that there is no\nmarket distortion in this field to justify intervention at European\nlevel, and do not think that a one-size-fits-all solution\nwould be feasible for this issue. They recall that tailor-made\ninsurance products depend on many elements, such as type of risks,\ntheir probable quantity and quality, culture of prevention, the\nstate of preparedness and capacity for action and the approach\ntaken by Member States and regional authorities concerning risk\nmonitoring and preparation. The committee considers that a\nflexible natural catastrophe insurance market allows insurance\ncompanies to adapt products to different conditions, and believes\nthat a non-mandatory framework is the best way to develop\nproducts that match with natural risks in a given geographical\narea.
\nThe European Parliament adopted a resolution on the\ninsurance of natural and man-made disasters in response to the\nCommission Green Paper on the subject.
\nParliament noted that the situation in the EU\ninsurance market is heterogeneous because Member States are exposed\nto different risks and natural catastrophes and the predictability\nof a natural catastrophe depends on different factors\n(meteorological, hydrological, geophysical, etc.). It recalled that\nbetween 1980 and 2011, a small number of big events gave rise to\nabout half of all costs related to weather events.
\nAccordingly, Parliament called for prevention and\ninformation measures in order to protect people and avoid\nlosses caused by unexpected events.
\nTo prevent environmental risks, it suggested more\nresearch in partnership with insurance companies in order to better\nunderstand the issues involved, thus preparing citizens and their\ncommunities for risks related to natural catastrophes.
\nMembers also considered that information is crucial\nfor the prevention and mitigation of such disasters, and called\nfor closer cooperation between Member States and the private sector\nin this area.
\nAt European level, Parliament favoured the sharing of\nbest practice on risk prevention and mitigation amongst Member\nStates and regionally. It pointed out that the involvement of\nlocal authorities in decisions concerning city planning and\nurban development could improve natural catastrophe management. It\ncalled for Member States and public authorities to take adequate\npreventive measures in order to mitigate the consequences of\nnatural disasters and to create and maintain crisis response\nunits.
\nInsurance market: whilst\nwelcoming the Commissions Green Paper, Parliament noted that\nnatural and man-made disasters need different types of insurance\nand are covered by two different insurance markets. Such\ndisasters cannot be treated together even if there are cases of\nman-made decisions aggravating exposure to a natural catastrophe\nrisk. It underlined that the EU should not create overlapping\nand contradicting liability rules.
\nMost Member States already have some form of\ninsurance-based system for floods and other natural damage, but the\nsystem can be supplemented with state funds to compensate for\nthose assets that cannot be privately insured. State funds may\nalso compensate for insurance claims exceeding the maximum amounts\nor for otherwise exceptionally heavy damage. The resolution\nalso took the view that a Member State may participate in\ncompensation for damage by providing reinsurance. It stated,\nhowever, that these systems differ in many respects, and it is\nnot prudent or necessary to unify them.
\nRecalling that natural catastrophes affect both\nprivate households and business activities, Parliament encouraged\ninsurance companies to take risk-based pricing as a central\napproach to disaster insurance. It invited Member States to\npropose incentives to encourage citizens to protect themselves\nand insure their property against damage, and incentives\nresponding to insurance needs in terms of environmental liability,\ne.g. for enterprises in mining or in the gas, chemical or nuclear\nsectors.
\nInsurance companies, for their part, are invited to\nclarify contracts for consumers and to provide information on\navailable options and their impact on the price of cover, in order\nto ensure adequate consumer choice. Insurance companies must\nprovide clear and comprehensible information for clients and\nprospective clients. Risk-based pricing should be central to the\navailability of insurance coverage.
\nParliament recognised the need for consumers to\nunderstand what type of coverage they have and how it would operate\nwhen risks materialise. Consumers should be fully informed of all\nterms and conditions, including the procedures for withdrawal from\na contract and for making complaints and the deadlines applicable\nin such procedures, when buying insurance products and before\nsigning a contract. It believed that the protection of consumers\nmust be a concern of the EU and the Member States.
\nNon-mandatory insurance:\nParliament recalled that in the end it is the state or the regional\nauthorities that bear much of the indirect or direct cost burden\nfor damage, be the causes natural or man-made. They suggested that\nMember States and regional authorities should recognise the\nimportance of risk prevention and should make it a pillar of\ninvestment strategy, since it is more efficient to minimise the\nconsequences of disasters instead of just providing cover and\nrepairing damage afterwards.
\nUnderlining the risk of moral hazard if citizens\nassume that their government would be using public resources from\nthe national budget to cover their losses, Members were critical of\nactions which may discourage citizens or communities from taking\nmeasures to protect themselves. Citizens should carry their\nshare of responsibility and compensation should not cover all\ndamage.
\nMembers recalled that individual responsibility in\nthis sector has to be maintained, and is aware of the efforts made\nby Member States to combine the promotion of individual\nresponsibility with intervention by government.
\nIn conclusion, Parliament considered that there is\nno market distortion in this field to justify intervention at\nEuropean level, and do not think that a one-size-fits-all\nsolution would be feasible for this issue. It recalled that\ntailor-made insurance products depend on many elements, such as\ntype of risks, their probable quantity and quality, culture of\nprevention, the state of preparedness and capacity for action and\nthe approach taken by Member States and regional authorities\nconcerning risk monitoring and preparation. Members considered that\na flexible natural catastrophe insurance market allows\ninsurance companies to adapt products to different conditions, and\nbelieved that a non-mandatory framework is the best way to\ndevelop products that match with natural risks in a given\ngeographical area.
\nPURPOSE: to present a Green Paper on the insurance of\nnatural and man-made disasters.
\nBACKGROUND: the European Union is vulnerable to nearly\nall types of natural disasters. Disasters not only cause human\nlosses but also damages to the value of billions of euros every\nyear, affecting economic stability and growth.
\nDisasters may have cross-border effects and can\npotentially threaten entire areas in neighbouring countries. Even\nwhere costs of major disasters are locally concentrated, if costs\nare inadequately covered by insurance then individual Member States\nmay carry large fiscal burdens, which could cause internal and\nexternal imbalances. This is thus an important issue for\ncitizens, companies and governments across the Union.
\nIn 2010, the Council adopted a series of conclusions in\nwhich it invited the Commission to evaluate and report on the\npotential for the European Union to facilitate and support\nincreased coverage of appropriate disaster risk insurance and\nfinancial risk transfer markets, as well as regional insurance\npooling, in terms of knowledge transfer, cooperation, or seed\nfinancing.
\nThis Green Paper poses a number of questions\nconcerning the adequacy and availability of appropriate disaster\ninsurance and accompanies the Communication entitled \"An EU strategy on adaptation to climate\nchange\".
\nCONTENT: the objective is to raise awareness and to\nassess whether or not action at EU level could be appropriate or\nwarranted to improve the market for disaster insurance in the\nEuropean Union.
\nMore generally, this process will also:
\nNext steps: the\nCommission invites stakeholders to comment on all the issues set\nout in this Green Paper.
\nOn the basis of the outcome of this consultation, the\nCommission will decide on the best course of action to take on the\nissues outlined in this Green Paper, including legislative\nmeasures, as appropriate.
\nStakeholders are invited to send their comments before\n30 June 2013.
\nPURPOSE: to present a Green Paper on the insurance of\nnatural and man-made disasters.
\nBACKGROUND: the European Union is vulnerable to nearly\nall types of natural disasters. Disasters not only cause human\nlosses but also damages to the value of billions of euros every\nyear, affecting economic stability and growth.
\nDisasters may have cross-border effects and can\npotentially threaten entire areas in neighbouring countries. Even\nwhere costs of major disasters are locally concentrated, if costs\nare inadequately covered by insurance then individual Member States\nmay carry large fiscal burdens, which could cause internal and\nexternal imbalances. This is thus an important issue for\ncitizens, companies and governments across the Union.
\nIn 2010, the Council adopted a series of conclusions in\nwhich it invited the Commission to evaluate and report on the\npotential for the European Union to facilitate and support\nincreased coverage of appropriate disaster risk insurance and\nfinancial risk transfer markets, as well as regional insurance\npooling, in terms of knowledge transfer, cooperation, or seed\nfinancing.
\nThis Green Paper poses a number of questions\nconcerning the adequacy and availability of appropriate disaster\ninsurance and accompanies the Communication entitled \"An EU strategy on adaptation to climate\nchange\".
\nCONTENT: the objective is to raise awareness and to\nassess whether or not action at EU level could be appropriate or\nwarranted to improve the market for disaster insurance in the\nEuropean Union.
\nMore generally, this process will also:
\nNext steps: the\nCommission invites stakeholders to comment on all the issues set\nout in this Green Paper.
\nOn the basis of the outcome of this consultation, the\nCommission will decide on the best course of action to take on the\nissues outlined in this Green Paper, including legislative\nmeasures, as appropriate.
\nStakeholders are invited to send their comments before\n30 June 2013.
\nPURPOSE: to present a Green Paper on the insurance of\nnatural and man-made disasters.
\nBACKGROUND: the European Union is vulnerable to nearly\nall types of natural disasters. Disasters not only cause human\nlosses but also damages to the value of billions of euros every\nyear, affecting economic stability and growth.
\nDisasters may have cross-border effects and can\npotentially threaten entire areas in neighbouring countries. Even\nwhere costs of major disasters are locally concentrated, if costs\nare inadequately covered by insurance then individual Member States\nmay carry large fiscal burdens, which could cause internal and\nexternal imbalances. This is thus an important issue for\ncitizens, companies and governments across the Union.
\nIn 2010, the Council adopted a series of conclusions in\nwhich it invited the Commission to evaluate and report on the\npotential for the European Union to facilitate and support\nincreased coverage of appropriate disaster risk insurance and\nfinancial risk transfer markets, as well as regional insurance\npooling, in terms of knowledge transfer, cooperation, or seed\nfinancing.
\nThis Green Paper poses a number of questions\nconcerning the adequacy and availability of appropriate disaster\ninsurance and accompanies the Communication entitled \"An EU strategy on adaptation to climate\nchange\".
\nCONTENT: the objective is to raise awareness and to\nassess whether or not action at EU level could be appropriate or\nwarranted to improve the market for disaster insurance in the\nEuropean Union.
\nMore generally, this process will also:
\nNext steps: the\nCommission invites stakeholders to comment on all the issues set\nout in this Green Paper.
\nOn the basis of the outcome of this consultation, the\nCommission will decide on the best course of action to take on the\nissues outlined in this Green Paper, including legislative\nmeasures, as appropriate.
\nStakeholders are invited to send their comments before\n30 June 2013.
\nThe Committee on Economic and Monetary Affairs adopted\nthe own-initiative report by Sampo TERHO (EFD, FI) on the insurance\nof natural and man-made disasters in response to the Commission\nGreen Paper on the subject.
\nMembers note that the situation in the EU insurance\nmarket is heterogeneous because Member States are exposed to\ndifferent risks and natural catastrophes and the predictability of\na natural catastrophe depends on different factors (meteorological,\nhydrological, geophysical, etc.). They recall that between 1980 and\n2011 a small number of big events gave rise to about half of all\ncosts related to weather events.
\nAccordingly, the report calls for prevention and\ninformation measures in order to protecting people and avoid\nlosses caused by unexpected events.
\nTo prevent environmental risks, it suggests more\nresearch in partnership with insurance companies in order to better\nunderstand the issues involved, thus preparing citizens and their\ncommunities for risks related to natural catastrophes.
\nMembers also consider that information is crucial\nfor the prevention and mitigation of such disasters, and call\nfor closer cooperation between Member States and the private sector\nin this area.
\nAt European level, the committee favoured the sharing\nof best practice on risk prevention and mitigation amongst Member\nStates and regionally. It pointed out that the involvement of\nlocal authorities in decisions concerning city planning and\nurban development could improve natural catastrophe management. It\ncalled for Member States and public authorities to take adequate\npreventive measures in order to mitigate the consequences of\nnatural disasters and to create and maintain crisis response\nunits.
\nInsurance market: whilst\nwelcoming the Commissions Green Paper, Members note that\nnatural and man-made disasters need different types of insurance\nand are covered by two different insurance markets. Such\ndisasters cannot be treated together even if there are cases of\nman-made decisions aggravating exposure to a natural catastrophe\nrisk. Members underline that the EU should not create\noverlapping and contradicting liability rules.
\nMost Member States already have some form of\ninsurance-based system for floods and other natural damage, but the\nsystem can be supplemented with state funds to compensate for\nthose assets that cannot be privately insured. State funds may\nalso compensate for insurance claims exceeding the maximum amounts\nor for otherwise exceptionally heavy damage. The report also\ntakes the view that a Member State may participate in compensation\nfor damage by providing reinsurance. It stated, however,\nthat these systems differ in many respects, and it is not\nprudent or necessary to unify them.
\nRecalling that natural catastrophes affect both\nprivate households and business activities, the committee\nencourages insurance companies to take risk-based pricing as a\ncentral approach to disaster insurance. It invites Member\nStates to propose incentives to encourage citizens to protect\nthemselves and insure their property against damage, and\nincentives responding to insurance needs in terms of environmental\nliability, e.g. for enterprises in mining or in the gas, chemical\nor nuclear sectors.
\nInsurance companies, for their part, are invited to\nclarify contracts for consumers and to provide information on\navailable options and their impact on the price of cover, in order\nto ensure adequate consumer choice. Insurance companies must\nprovide clear and comprehensible information for clients and\nprospective clients. Risk-based pricing should be central to the\navailability of insurance coverage.
\nNon-mandatory insurance:\nMembers recall that in the end it is the state or the regional\nauthorities that bear much of the indirect or direct cost burden\nfor damage, be the causes natural or man-made. They suggest that\nMember States and regional authorities should recognise the\nimportance of risk prevention and should make it a pillar of\ninvestment strategy, since it is more efficient to minimise the\nconsequences of disasters instead of just providing cover and\nrepairing damage afterwards.
\nUnderlining the risk of moral hazard if citizens\nassume that their government would be using public resources from\nthe national budget to cover their losses, Members are critical of\nactions which may discourage citizens or communities from taking\nmeasures to protect themselves. Citizens should carry their\nshare of responsibility and compensation should not cover all\ndamage.
\nMembers recall that individual responsibility in this\nsector has to be maintained, and is aware of the efforts made by\nMember States to combine the promotion of individual responsibility\nwith intervention by government.
\nIn conclusion, Members consider that there is no\nmarket distortion in this field to justify intervention at European\nlevel, and do not think that a one-size-fits-all solution\nwould be feasible for this issue. They recall that tailor-made\ninsurance products depend on many elements, such as type of risks,\ntheir probable quantity and quality, culture of prevention, the\nstate of preparedness and capacity for action and the approach\ntaken by Member States and regional authorities concerning risk\nmonitoring and preparation. The committee considers that a\nflexible natural catastrophe insurance market allows insurance\ncompanies to adapt products to different conditions, and believes\nthat a non-mandatory framework is the best way to develop\nproducts that match with natural risks in a given geographical\narea.
\nThe European Parliament adopted a resolution on the\ninsurance of natural and man-made disasters in response to the\nCommission Green Paper on the subject.
\nParliament noted that the situation in the EU\ninsurance market is heterogeneous because Member States are exposed\nto different risks and natural catastrophes and the predictability\nof a natural catastrophe depends on different factors\n(meteorological, hydrological, geophysical, etc.). It recalled that\nbetween 1980 and 2011, a small number of big events gave rise to\nabout half of all costs related to weather events.
\nAccordingly, Parliament called for prevention and\ninformation measures in order to protect people and avoid\nlosses caused by unexpected events.
\nTo prevent environmental risks, it suggested more\nresearch in partnership with insurance companies in order to better\nunderstand the issues involved, thus preparing citizens and their\ncommunities for risks related to natural catastrophes.
\nMembers also considered that information is crucial\nfor the prevention and mitigation of such disasters, and called\nfor closer cooperation between Member States and the private sector\nin this area.
\nAt European level, Parliament favoured the sharing of\nbest practice on risk prevention and mitigation amongst Member\nStates and regionally. It pointed out that the involvement of\nlocal authorities in decisions concerning city planning and\nurban development could improve natural catastrophe management. It\ncalled for Member States and public authorities to take adequate\npreventive measures in order to mitigate the consequences of\nnatural disasters and to create and maintain crisis response\nunits.
\nInsurance market: whilst\nwelcoming the Commissions Green Paper, Parliament noted that\nnatural and man-made disasters need different types of insurance\nand are covered by two different insurance markets. Such\ndisasters cannot be treated together even if there are cases of\nman-made decisions aggravating exposure to a natural catastrophe\nrisk. It underlined that the EU should not create overlapping\nand contradicting liability rules.
\nMost Member States already have some form of\ninsurance-based system for floods and other natural damage, but the\nsystem can be supplemented with state funds to compensate for\nthose assets that cannot be privately insured. State funds may\nalso compensate for insurance claims exceeding the maximum amounts\nor for otherwise exceptionally heavy damage. The resolution\nalso took the view that a Member State may participate in\ncompensation for damage by providing reinsurance. It stated,\nhowever, that these systems differ in many respects, and it is\nnot prudent or necessary to unify them.
\nRecalling that natural catastrophes affect both\nprivate households and business activities, Parliament encouraged\ninsurance companies to take risk-based pricing as a central\napproach to disaster insurance. It invited Member States to\npropose incentives to encourage citizens to protect themselves\nand insure their property against damage, and incentives\nresponding to insurance needs in terms of environmental liability,\ne.g. for enterprises in mining or in the gas, chemical or nuclear\nsectors.
\nInsurance companies, for their part, are invited to\nclarify contracts for consumers and to provide information on\navailable options and their impact on the price of cover, in order\nto ensure adequate consumer choice. Insurance companies must\nprovide clear and comprehensible information for clients and\nprospective clients. Risk-based pricing should be central to the\navailability of insurance coverage.
\nParliament recognised the need for consumers to\nunderstand what type of coverage they have and how it would operate\nwhen risks materialise. Consumers should be fully informed of all\nterms and conditions, including the procedures for withdrawal from\na contract and for making complaints and the deadlines applicable\nin such procedures, when buying insurance products and before\nsigning a contract. It believed that the protection of consumers\nmust be a concern of the EU and the Member States.
\nNon-mandatory insurance:\nParliament recalled that in the end it is the state or the regional\nauthorities that bear much of the indirect or direct cost burden\nfor damage, be the causes natural or man-made. They suggested that\nMember States and regional authorities should recognise the\nimportance of risk prevention and should make it a pillar of\ninvestment strategy, since it is more efficient to minimise the\nconsequences of disasters instead of just providing cover and\nrepairing damage afterwards.
\nUnderlining the risk of moral hazard if citizens\nassume that their government would be using public resources from\nthe national budget to cover their losses, Members were critical of\nactions which may discourage citizens or communities from taking\nmeasures to protect themselves. Citizens should carry their\nshare of responsibility and compensation should not cover all\ndamage.
\nMembers recalled that individual responsibility in\nthis sector has to be maintained, and is aware of the efforts made\nby Member States to combine the promotion of individual\nresponsibility with intervention by government.
\nIn conclusion, Parliament considered that there is\nno market distortion in this field to justify intervention at\nEuropean level, and do not think that a one-size-fits-all\nsolution would be feasible for this issue. It recalled that\ntailor-made insurance products depend on many elements, such as\ntype of risks, their probable quantity and quality, culture of\nprevention, the state of preparedness and capacity for action and\nthe approach taken by Member States and regional authorities\nconcerning risk monitoring and preparation. Members considered that\na flexible natural catastrophe insurance market allows\ninsurance companies to adapt products to different conditions, and\nbelieved that a non-mandatory framework is the best way to\ndevelop products that match with natural risks in a given\ngeographical area.
\n