It considered that a system which compensates PMI insurers for expenditure incurred in covering ‘bad’ risks in excess of the market average was strictly necessary to compensate for the SGEI obligations with which they are entrusted, which prohibit them from setting premiums by reference to the risk insured and from rejecting ‘bad’ risks.
Ta leidis, et kord, mis hüvitab ERK kindlustusandjatele kulud, mis on tekkinud turu keskmisest kõrgemate „halbade” riskide katmisel, on rangelt vajalik hüvitamaks neile pandud ÜMPT kohustusi, mis keelavad neil kehtestada kindlustusmakseid sõltuvalt kindlustatud riskist ja hoiduda „halbadest” riskidest.