49. The Association represents the interests of private insurers and is therefore an entrepreneur organisation in the
sense of Article 6, paragraph 1 Mw. The members of the Association, private insurers, are undertakings within the
meaning of the Competition Act. They do political activities. The advocacy by the Federation to make flood
coverage a mandatory part of the fire insurance, can be seen as an expression of the will to coordinate the
behaviour of its members and therefore as a decision of an association of undertakings within the meaning of the
competition law. On the market for fire insurances, the members of the Association competitors. Surveyed
members in favour of a voluntary insurance were 20% for compulsory insurance, 9% had no opinion.
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