Member States of provision of services may maintain or introduce laws, regulations or administrative provisions justified on policy-holder protection grounds, concerning, in particular, approval of general and special policy conditions, of forms and other printed documents for use in dealings with policy-holders, of scales of premiums and of any other document necessary for the normal exercise of supervision on condition that the rules of the Member State of establishment are insufficient to achieve the necessary level of protection and the requirements of the Member State of provision of services do not go beyond what is necessary in that respect.
Države članice, v katerih se opravljajo storitve, lahko ohranijo ali uvedejo zakone in druge predpise, ki so utemeljeni zaradi zaščite zavarovalca, in se nanašajo zlasti na potrjevanje splošnih in posebnih zavarovalnih pogojev, obrazcev in drugih tiskanih listin za uporabo pri poslovanju z zavarovalci, premijskih cenikov in drugih listin, potrebnih za normalno izvajanje nadzora, pod pogojem, da predpisi države članice ustanovitve ne zadoščajo za doseganje potrebne ravni zaščite in da zahteve države članice, v kateri se opravljajo storitve, ne presegajo tistega, kar je nujno v tem pogledu.