11. 8. 92 Official Journal of the European Communities No L 228/1 I (Acts whose publication is not obligatory) COUNCIL COUNCIL DIRECTIVE 92/49/EEC of 18 June 1992 on the coordination of laws, regulations and administrative provisions relating to direct insurance other than life assurance and amending Directives 73/239/EEC and 88/357/EEC (third non-life insurance Directive) THE COUNCIL OF THE EUROPEAN COMMUNITIES, provide servicess and amending Directive 72/239/EEC  (88/357/EEC) (%) 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; Having regard to the Treaty establishing the European Economic Community, and in particular Articles 57 (2) and 66 thereof, Having regard to the proposal from the Commission (1), In cooperation with the European Parliament (2), (3)  Whereas Directive 88/357/EEC therefore represents an important stage in the merging of national markets into an integrated market and that stage must be supplemented by other Community instruments with a view to enabling all Having regard to the opinion of the Economic and Social Committee (3), (1)  Whereas it is necessary to complete the internal (2) market in direct insurance other than life assurance from the point of view both of the right of establishment and of the freedom to provide services, to make it easier for insurance undertakings with head offices in the Community to cover risks situated within the Community; 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 (1) OJ No C 244, 28. 9. 1990, p. 28 and O] No C 93, 13. 4. 1992, p. 1. (2) O] No C 67, 16. 3. 1992, p. 98 and O] No C 150, 15. 6.1992. {3) OJ No C 102, 18. 4, 1991, p. 7. (4) policyholders, irrespective of their status, their size or the nature of the risks to be insured, to have recourse to any insurer with a head office in the Community who carries on business there, under the right of establishment or the freedom to provide services, while guaranteeing them adequate protection; Whereas this Directive forms part of the body of Community legislation already enacted which includes the First Council Directive of 24 July 1973 on the coordination of laws, regulations and (4) OJ No L 172, 4. 7. 1988, p. 1. Last amended by Directive 90/618/EEC (O] No L 330, 29. 11. 1990, p. 44).