6.2.2 Wie vormt de pool? Het onderscheid tussen verzekeraars en intermediaire pools

Baarsma e.a.2008, p. 12; Europe Economics 2016a, (executive summary) p. 7. Zie ook: De Jong 2016, p. 66.

Dit onderscheid tussen verzekeraarspools en intermediaire pools kan van belang zijn voor de beoordeling onder het mededingingsrecht (zie par. 6.4.1.2.2.). Uit het onderzoek van EY blijkt dat vooral op de Nederlandse coassurantiemarkt intermediaire pools voorkomen (EY 2014, p. 11): ‘Intermediary pools were identified in some of the most mature markets. An intermediary might hold delegated underwriting authorities from more than one insurer, to each of which it agrees to assign a pre-agreed share of the risks that it intermediates. An intermediary pool may also involve the designation of one or more participating insurer as a leader, making decisions on acceptance and claims which then bind the other participants. These collective underwriting arrangements are mainly developed in specific markets but on risks which are usually not coveredby classical pools. Intermediary pools were identified particularly in the Netherlands. In the UK, solutions developed by intermediaries for particular types of business or groups of customers might be offered to a panel of insurers, or to one. Respondents indicated that such arrangements were formed by intermediaries, not by insurers, and were not considered to be pools for that reason. These pool-like arrangements compete with insurers in the open market including potentially with ad-hoc co(re)insurance agreements, some participate as co(re)insurers on ad-hoc co(re)insurance agreements.’ Zie over een analyse van de economische impact van intermediaire pools (broker-led pools) ten opzichte van verzekeraarspools (insurer-led pools) uitvoerig Europe Economics 2016a, par. 6.3 tot en met 6.6.