ABSTRACT
The implementation deadline for the Third Directives was 1 July 1994, so the Single Passport system has, at least in theory, been in force for a little over three years. The Commission has monitored the progress of the law and practice of the Single Passport system, and in May 1996 it produced a Green Book summarising its findings. The Commission goes on to identify what it presently sees as the most pressing and serious problems from the point of view of consumers in the functioning of the Internal Market in Insurance. These are refusal by some insurers to provide services to non-residents, failure to provide policyholders with adequate information and the fraudulent conduct of some unscrupulous intermediaries. The 1979 Draft Directive on Insurance Contract Law would have imposed requirements as to the information to be given to the policyholder at the time the contract was entered into, though of course this never became law.
