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Keywords:

  • Solvency II;
  • European Union;
  • insurance regulation;
  • risk

In January 2014, the European Union will introduce a new piece of insurance regulation, Solvency II. Its implementation will represent the latest pinnacle in the prescriptive approach adopted by EU regulators towards the insurance industry in their efforts to reduce risk and increase policyholder protection. It is also likely to become, in due course, the latest case study in the law of unintended consequences.