Filipović, mr Nikola
Nikola Filipović is an associate in the Law Firm Živković-Samardžić. He completed his undergraduate and master's studies (trade law module) at the Faculty of Law, University of Belgrade, and his doctoral studies at the Department of Corporate and International Commercial Law of the Faculty of Law, University of Graz. As a teaching assistant he has worked at the Belgrade Business School, and at the Faculty of Law of the University of Graz, and improved his professional skills as a researcher at the Law School of the University of Southampton in Great Britain. He performed the function of the Secretary of the Association for Insurance Law of Serbia. He is an active member of that association both nationally and internationally. He specialises in the matters of insurance law and competition law, and the subject of his scientific research are market conduct rules.
JUDGMENT OF THE EUROPEAN COURT OF JUSTICE IN THE CASE “BUNDESVERBAND DER VERBRAUCHERZENTRALEN UND VERBRAUCHERVERBÄNDE eV“ v. “TC MEDICAL AIR AMBULANCE AGENCY GmbH“
The legal issue dealt with by the European Court of Justice in the case no. C-633/20 Bundesverband der Verbraucherzentralen und Verbraucherverbände – Verbraucherzentrale Bundesverband eV v. TC Medical Air Ambulance Agency GmbH (judgement made on 24 March 2022) was placed in the context of the application of European regulations concerning insurance mediation (Directive on Insurance Mediation and Directive on Insurance Distribution), e.g. interpretation of terms insurance intermediary and insurance mediation in concluding group insurance policies.
JUDGMENT OF THE EUROPEAN COURT OF JUSTICE IN THE CASE “AAS BALTA” v. “UAB GRIFS AG”
The legal issue dealt with by the European Court in the case no. C803/18 “AAS Balta” v. “UAB Grifs AG” (judgment made on 27 February 2020) was placed in the context of the application of Regulation 1215/2012 of 12 December 2012 on jurisdiction, recognition and enforcement of court decisions in civil and commercial matters (so-called Brussels I). In this specific case, the matter related to the dispute between the insurance company “AAS Balta” based in Latvia and the security company “UAB Grifs AG” based in Lithuania. The dispute concerned the request for payment of insurance indemnity.
SUPERVISORS’ USE OF KEY INDICATORS TO ASSESS INSURER CONDUCT
Izdavač: Internacionalna Asocijacija supervizora osiguranja Godina izdanja: jun 2022. godine Obim: 22. str. Internacionalna Asocijacija supervizora osiguranja (International Association of Insurance Supervisors – IAIS) u junu 2022. godine objavila je studiju o ključnim indikatorima koji se koriste prilikom ocene (tržišnog) ponašanja osiguravača od strane nadzornih organa. Studija je sačinjena uz učešće 51 nadzornog organa, a u njenoj izradi učestvovala je i Narodna Banka Srbije kao nadzorni organ za sektor osiguranja u Republici Srbiji.
JUDGMENT OF THE EUROPEAN COURT OF JUSTICE IN THE CASE B.G.Ż. LEASING SP. Z O.O. V DYREKTOR IZBY SKARBOWEJ W WARSZAWIE
The legal issue dealt with by the European Court of Justice in the case C-224/11 B.G.Ż. Leasing sp. z o.o. v Dyrektor Izby Skarbowej w Warszawie (the Judgment of 17 January 2013) is set in the context of implementation of tax legislation, i.e. regarding implementation of the Council Directive on the common system of value added tax (VAT) in the proceedings between the Polish tax authorities and a local leasing company. In the proceedings, the issue of the legal nature of related leasing and insurance services was posed, i.e. whether leasing services and insurance of leased item are considered as one complex legal transaction that fall under the same tax treatment or two separate legal transactions to which tax regulations (tax rates) apply separately. The subject of the proceedings was not the insurance contract and the leasing agreement concluded between the lessee and the lessor, and therefore the Court did not have access to them, but only the tax treatment of several services within one complex transaction.
JUDGEMENT OF THE COURT OF JUSTICE OF THE EUROPEAN UNION IN CASE CONTENT SERVICES LTD V BUNDESARBEITSKAMMER
The judgement of the Court of Justice of the European Union C-49/11, Content Services Ltd v Bundesarbeitskammer concerns the matter of providing prior information when concluding distance contracts, in this particular case, via the Internet i.e. a website. In a broader sense, the judgement concerns the issue of a „durable medium“ concept, namely, under what conditions the contracting party required to provide prior information concerning the consumer contract is considered to have met this obligation.
REVIEW OF THE JUDGMENT OF THE EUROPEAN COURT OF JUSTICE IN THE CASE: FUNDO DE GARANTIA AUTOMÓVEL V ALINA ANTÓNIA DESTAPADO PÃO MOLE JULIANA, CRISTIANA MICAELA CAETANO JULIANA
In this case, the judgment of the European Court of Justice relates to the obligation in respect of arranging the insurance cover for a motor vehicle that the owner no longer intended to use and that was parked on a private property, i.e. to the right of the Guarantee Fund to recourse against the vehicle owner who failed to insure the vehicle, since he no longer intended to use it. Similar to the cases of Vnuk, Andrade and Torreiro, the court again faced the issue of the limits of the broadly set definition from the EU Directives, namely the issue as to what was deemed the “intended use” of a road vehicle and whether the definition of the term “intended use” should be construed following the subjective or objective criteria. An additional issue arose of the right to recourse of the Guarantee Fund against the party that was liable to have insured the vehicle, but was not responsible, in terms of civil law, for the accident or damage occurred.
TWO ISSUES CONCERNING INSURANCE-BASED INVESTMENT PRODUCTS, IN RETROSPECT
Predmet ovog članka su investicione usluge osiguranja, tačnije dva ključna (pravna) pitanja koja se mogu postaviti u vezi s ovom vrstom osiguranja. Prvo pitanje je o pravnoj prirodi takvih osiguranja koja su rešena u praksi Evropskog suda pravde, dok je drugo pitanje o regulatornim zahtevima što se odnose na distribuciju ovakvih usluga u zavisnosti od njihove pravne forme i kvalifikacije. Drugo pitanje utoliko je važnije što je upravo razlika u regulatornim zahtevima bila jedan od glavnih podsticaja i razloga za sveobuhvatnu reformu pravila tržišnog ponašanja u oblasti osiguranja i usvajanje Direktive 2016/97(EU) o distribuciji osiguranja. Ključne reči: investicione usluge osiguranja, direktiva o distribuciji osiguranja, osiguranje života
DECISION OF EUROPEAN COURT OF JUSTICE
OF 31. 5. 2018.
IN CASE C-542/16
LÄNSFÖRSÄKRINGAR SAK FÖRSÄKRINGSAKTIEBOLAG V
DÖDSBOET EFTER INGVAR MATTSSON AND
LÄNSFÖRSÄKRINGAR SAK FÖRSÄKRINGSAKTIEBOLAG
The Decision of European Court of Justice, which is the subject of this review, refers to the insurance mediation concept and/or scope of application of two Directives governing obligations to consult when concluding insurance contract tied to an investment fund - the Insurance Mediation Directive 2002/92 and Markets in Financial Instruments Directive 2004/39. The most interesting question is what legal advisory regime applies when selling insurance policies with investment elements: insurance advice or investment products advice. The proceedings were instituted by a request from the Supreme Court of Sweden for a preliminary ruling concerning the construing of Directive 2002/92 on insurance mediation, on the occasion of two separate disputes brought before the Swedish Supreme Court at the time: Strobel and Others / Länsförsäkringar and/or Länsförsäkringar / Dödsboet efter Ingvar Mattsson.