ker je Druga direktiva Sveta z dne 22. junija 1988 o uskladitvi zakonov in drugih predpisov o neposrednem zavarovanju razen življenjskega zavarovanja, ki opredeljuje določbe za učinkovito uživanje svobode opravljanja storitev in o spremembi Direktive 73/239/EGS (88/357/EGS) 4 že znatno prispevala k doseganju notranjega trga neposrednega zavarovanja razen življenjskega zavarovanja z dodelitvijo popolne svobode zavarovalcem, ki po svojem položaju, velikosti ali naravi nevarnosti, ki se zavarujejo, ne potrebujejo posebne zaščite v državi, kjer je nevarnost, da si privoščijo, kolikor je mogoče, širok trg življenjskega zavarovanja;
Whereas the Second Council Directive of 22 June 1988 on the coordination of laws, regulations and administrative provisions relating to direct insurance other than life assurance and laying down provisions to facilitate the effective exercise of freedom to provide services and amending Directive 72/239/EEC (88/357/EEC)(4) has already contributed substantially to the achievement of the internal market in direct insurance other than life assurance by granting policyholders who, by virtue of their status, their size or the nature of the risks to be insured, do not require special protection in the Member State in which a risk is situated complete freedom to avail themselves of the widest possible insurance market;