O konieczności opracowania w Unii Europejskiej jednolitych zasad funkcjonowania ubezpieczeniowych systemów gwarancyjnych na wypadek upadłości ubezpieczyciela
About the Need to Define Uniform Rules for the Operation of Insurance Guarantee Schemes in the Event of Insurer’s Bankruptcy in the European Union

Summary/Abstract: The European Union has been working for years to establish uniform rules for the operation ofinsurance guarantee funds in the Member States. They are the equivalents of the Polish Insuran-ce Guarantee Fund. The rules should increase the protection of consumers, i.e. policyholders andthe injured. However, it has not been decided yet who will actually be protected by the new regula-tion, namely whether these will be all the insured or only those who have concluded a compulsoryinsurance contract. Will all Europeans be protected in the same way or only residents of individualMember States? What is more, the ultimate cost of the systemic changes to be introduced into thePolish market is also unknown. If the system applied to numerous business lines and covered na-tural persons as well as small and medium-sized enterprises, insurance would certainly becomevery expensive, leaving many Poles without protection. This article aims to familiarize readerswith the current state of legislative works as well as the directions for the development of systemicchanges.

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