Insurance agent or broker · European Union
Website advertising rules for insurance agents and brokers in European Union
Insurance agents and brokers answer to their regulator's advertising and conduct rules as well as to privacy law. This is what Insurance Distribution Directive (EU) 2016/97, Arts. 17-19 (marketing and disclosures) means for your website: testimonials, claims, fees, titles and the details you must show. It applies only to sites of that profession, and only where you are licensed. For the general laws every site in European Union must follow, see European Union's laws.
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Insurance Distribution Directive (EU) 2016/97, Arts. 17-19 (marketing and disclosures)
Applied from 1 Oct 2018 and transposed nationally; national article numbers (for example Germany VVG, GewO §34d; France Code des assurances L.520-1) were not read.
Who it covers: Insurance undertakings and insurance and ancillary intermediaries registered in an EU Member State, including those selling online or across borders. Choose the EU as your licensing place to include it. Set by the national insurance supervisors (for example BaFin, ACPR/ORIAS) and EIOPA.
What it requires of a website or app (4)
- Marketing communications are fair, clear, not misleading and clearly identifiable as marketingAI reviewArt. 17(2)
- An intermediary discloses in good time, before the contract: its identity and address and that it is an intermediary, whether it gives advice, complaints and out-of-court procedures, the register it is in and how to verify it, and whether it acts for the customer or the insurer (if you are an insurance intermediary)AI reviewArt. 18(a)(i)-(v)
- An insurance undertaking discloses its identity, address, advice status and complaints procedures (if you are an insurer)AI reviewArt. 18(b)
- Disclose holdings of 10% or more with an insurer, whether advice rests on a fair and personal analysis or is tied to named insurers, and the nature of remunerationAI reviewArt. 19(1)
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A plain-language summary of what each law requires of a website or app, from the SafeLaunch rulebook, with the provision and official sources. It is not legal advice and not every duty in each law is listed.