European Union - Twenty-Seventh Report
Here you can browse the report which was ordered by the House of Lords to be printed 14 September 2004.
CONTENTS
Terms of Reference
Abstract
Chapter 1: Introduction
Proposed Directive: Background
The Proposal
Legal base
Impact on the UK
UK Government responsibility
The Inquiry
Why did we carry out this Inquiry?
Recommendation
Chapter 2: Purpose of the Directive
UK Government Views
Other views
Conclusion
Recommendation
Chapter 3: Scope of the Directive
Conclusions
Definition of Goods and Services
Conclusions
Recommendations
Chapter 4: Exclusions and Omissions
Conclusions
Recommendation
Health
Conclusion
Recommendation
Housing
Conclusion
Recommendation
Media and Advertising
Conclusions
Recommendation
Sport, religion and voluntary bodies
Conclusions
Recommendation
Gender Reassignment
Conclusion
Recommendation
Chapter 5: Positive Action and Burden of
Proof
Conclusion
Recommendation
Burden of Proof
Conclusion
Recommendation
Chapter 6: Article 4: Gender as an Actuarial
Factor
DTI Comments
Insurers' Views
Actuarial Views
Adverse Selection
Prudential Reserves
Competition from outside the EU
Counter Arguments
Striking a balance
Other Considerations
Consultation and Research
Transparency
Single Market in Financial Services
Conclusions
Recommendations
Chapter 7: Article 4: Gender and Longevity:The
Effect on Life Assurance, Pensions,and Annuities and ther inancial
Service Products
The Relative Importance of Other Factors
Conclusions
Recommendations
Chapter 8: Article 4: Gender and Annuities:A
Special Issue for Britain
Conclusions
Recommendations
Chapter 9: Gender and Motor Insurance
Motoring Offences
Driver Behaviour
Actuarial Views
Consequences of Gender Equalisation
Road Safety
Possible Exceptions to Gender Equalisation
Other Countries
Conclusions
Recommendations
Chapter 10: Recommendations
Definition of Goods and Services
Exclusions and Omissions
Education
Health
Housing
Media and Advertising
Sport, religion and voluntary bodies
Gender Re-assignment
Positive Action
Burden of Proof
Article 4
Gender and Longevity
Gender and Annuities
Gender and Motor Insurance
APPENDIX 1: Sub-Committee G (Social and Consumer
affairs)
APPENDIX 2: List of witnesses
APPENDIX 3: Call for evidence
APPENDIX 4: Reports
APPENDIX 5: Additional information from the
department of trade & industry
MINUTES OF EVIDENCE - VOLUME II (HL 165-II)
WRITTEN EVIDENCE - VOLUME II (HL 165-II)
| 
