(as referred to in Article 10(2)
I Non-life risks classified under classes 1 to 18 in Part A of Annex I to Directive 2009/138/EC:
(a) minimum necessary knowledge of terms and conditions of policies offered, including ancillary risks if covered by such policies;
(b) minimum necessary knowledge of applicable laws governing the distribution of insurance products, such as consumer protection law, relevant tax law and relevant social and labour law;
(c) minimum necessary knowledge of claims handling;
(d) minimum necessary knowledge of complaints handling;
(e) minimum necessary knowledge of assessing customer needs;
(f) minimum necessary knowledge of the insurance market;
(g) minimum necessary knowledge of business ethics standards; and
(h) minimum necessary financial competency.
II Insurance-based investment products:
(a) minimum necessary knowledge of insurance-based investment products, including terms and conditions and net premiums and, where applicable, guaranteed and non-guaranteed be
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