Insurance EuropeInsurance Europe
Insurance distribution

Empowering consumers through consistent and coherent legislation​

Insurance Europe is in favour of an effective EU insurance distribution framework that enables consumers to make informed decisions and protects them from unfair practices. To effectively protect and empower consumers in Europe, EU policy must be consistent, coherent and well-designed. This is, however, a considerable challenge.

Recent distribution proposals have been discussed in isolation, which has led to a complex and confusing legislative architecture. Not enough attention has been paid to the combined effects and potential unintended consequences of these proposals, such as an information overload for consumers, incoherent disclosures and duplicative requirements.

 

Insurance Europe has developed its own proposed format for the standardised insurance product information document (IPID) for non-life insurance products, to support work by the European Insurance and Occupational Pensions Authority and the European Commission in developing a standardised IPID.

 

Related statistics
Non-life distribution channels
CountryDirect writingIntermediariesAgentsBrokersOther intermediariesBancassuranceOther
SK 0.20.80000
IT0.10.80.1000
TR0.10.70.100.10
SI0.30.60.1000
DE0.10.60.300.10
PT0.10.60.200.20
FI0.50.4000.10
MT0.40.40.3000
FR0.30.30.200.10
ES0.20.30.200.10.1
BG0.20.30.5000
HR0.70.20000.1
BE0.20.10.600.10
UK0.300.500.10.1
NL0.200000.8
Colour#002957#82c55b#662d91#23a2b2#971b1e#f78f1e#ffc846
Stacked Column Percentage

Hover over the bars for each data point.

Notes:
Size of the sample (as % of total premiums): 53%
For NL, there is no distinction between the indirect distribution channels
For SI, data is from SZZ members only. Branches of companies from EU/EEA countries and FOS are excluded

Life distribution channels
CountryDirect writingTotal intermediariesAgentsBrokersOther intermediariesBancassuranceOther
MT00.1000.80
PT00.2000.80
IT0.10.1000.80
TR0.10.1000.80
FR0.20.10.100.60
ES0.10.20.100.60
BE0.20.10.400.40
GR0.10.60000.40
HR0.40.3000.30
DE00.50.300.20
SE0.200.300.10.4
SI00.8000.10
BG0.20.60.2000
IE0.50.10000
NL0.400000.6
SK 0.40.60000
UK0.20.20.6000
Colour#002957#82c55b#662d91#23a2b2#971b1e#f78f1e#ffc846
Stacked Column Percentage

Hover over the bars for each data point.

Notes:
For NL and SK, agents included with brokers 

Size of the sample (as % of total premiums): 68%
For DE and SE, figures refer to new business
For GR the is no distinction between intermediaries
For NL, there is no distinction between the indirect distribution channels
For SI, data is from SZZ members only. Branches of companies from EU/EEA countries and FOS are excluded

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