Abstract
This paper examines three aspects of the development of the Single European Market in insurance. First, it looks at the interplay between harmonisation and mutual recognition in the formulation of the directives creating a single market in insurance. Second, it examines the scope for exclusion of ‘insurance forming part of a statutory system of social security‘, which is intended to preserve member states' capacity to undertake their own social policies. Third, it discusses the impact of recent efforts to promote a ‘social dimension’ in European integration. The main findings are that the exemption of social insurance from the directives does protect member states' ability to conduct budgetary social policy, but that the single market curtails their social-regulatory powers, and that the ‘social dimension’ partly revives national capacities for social regulation.
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