58. ACM points out that exemption for this common coverage is only relevant if they meet the cumulative
conditions of Article 7 of the Block Exemption Regulation. This shows among other things that the rules of the
pool Participating companies may not require the type of risk covered by the pool to insure all or part of the pool
and also should not prohibit to ensure these risks outside the pool. In the opinion of ACM the insurance structure of
the Association does not meet these conditions. After all, the members of the Association are required to
participate in the NHO for coverage of the flood, which is also linked to all fire insurances.
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