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This document specifies the customer (natural or legal person) data access and portability in the insurance sector based on the insurance-specific part of the proposed EU FIDA Regulation and therefore contains:

• Semantic specifications for the processes to support the data access and portability. These specifications define on the business level the functions and the behaviour for the following process interfaces:

 Request of the customer to the data holder for an actual transfer of the customer data (FIDA Article 4).

 Transfer of the requested customer data from the data holder to the requesting customer (FIDA Article 4).

 Request of a data user to a data holder for an actual transfer of customer data under a permission of the customer (FIDA Article 5).

 Transfer of the requested customer data from the data holder to the requesting data user (FIDA Article 5).

• Semantic specifications for the customer data to be transferred by the above processes. The scope of the customer data is limited to the insurance-specific part defined in the proposed FIDA Regulation Article 2 (1) and Article 3 (3). These specifications define on the business level each element of the customer data with unique name, precise definition, and value type (text, number, amount, quantity, percentage, date, etc.). The composition of these data elements forms a semantic data model for the insurance-specific customer data. The data model consists of the following parts:

 General data of the insurance client (including personal details, address, contact information, payment means, etc.).

 General data of the insurance policy (including policy number, insurance product and coverages, insured period, premium amounts, etc.).

 Data specific to the insurance client’s assets and risks, collected in an assessment for the purposes of a demands and needs test.

 Data depending on line of business, such as

 Motor insurance (details about vehicle, usage, drivers),

 Property insurance (details about building, household, or other objects),

 Liability insurance (details about insured parties and their activities),

 Personal accident insurance (details about insured persons and their activities),

 Legal expenses insurance (details about insured parties and objects),

 Travel insurance (details about insured parties and objects),

 Financial loss insurance (details about insured parties and risks),

 Insurance-based investment products and private and occupational pension products (details about insured persons and the savings, investments, pension rights, etc.).

This document defines the semantic process specifications for the data access from a customer or a data user to the data holder for the customer, policy, and claims data. The processes for the identification, authentication, and authorisation of customers and data users and the processes for the handling of customer permissions are not in the scope of this standard.

This document specifies the processes and the data models on the semantic level in a syntax-neutral format, independent from its representation in a concrete implementation syntax. Separate CEN Technical Specifications describe the application programming interfaces (API) at the technical implementation level, such as FprCEN/TS 18356-2, in the Open API Technology.

The focus of this document is on the data elements usually required for the customer data access in European insurance markets. For a concrete implementation of the customer data access in a specific market, this standard could be extended by market-specific data elements. Many data elements in this standard utilize coded value lists, some of which are based on ISO or other internationally standardised code value lists, such as country or currency code values. Other code value lists are implemented on a market-specific basis, as the requirements for the value lists are very different due to diverse market conditions. This document makes no attempt to standardise these code value lists.

Detta dokument ger en metod för bestämning av:

biologisk nedbrytningsgrad efter anaerob rötning under 30 dagar (mesofil temperatur) eller 23 dagar (termofil temperatur)

maximal biologisk nedbrytningsgrad under anaeroba förhållanden vid mesofil eller termofil temperatur i max 90 dagar

sönderdelningsgrad efter samma provningstider som ovan, vilket är ett mått på den mängd provningsmaterial som antingen brutits ner biologisk eller sönderfallit på annat sätt så att det består av partiklar <2 mm.  

I detta dokument anges krav och konstruktionsbeskrivning för madrassöverdrag i tubmodell tillverkat av trikå.

I detta dokument anges krav och konstruktionsbeskrivning för kuddöverdrag i tubmodell tillverkad av trikå.

This document specifies methods using sieving for the determination of the quantity of coarse particles of binder present in bituminous emulsions and for the determination of storage stability. WARNING - The use of this document can involve hazardous materials, operations and equipment. This document does not purport to address all of the safety problems associated with its use. It is the responsibility of the user of this document to establish appropriate safety and health practices and to determine the applicability of regulatory limitations prior to use. In addition, for environmental aspects, it is important to limit the quantities of products, solvents and energy sources to reduce the emissions in air and water and the wastes to the minimum required for a valid test realization.