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.

Related statistics
Non-life distribution channels 2015
CountryDirect writingIntermediariesAgentsBrokersOther intermediariesBancassuranceOther
HR62.925.916.39.608.32.9
FI4846424060
MT34.103628.7000
FR345234180131
UK28564520610
SI26.870.464.95.500.82
SK2179790.1-0.100
ES20.161.336.325.1011.76.9
BG20803050000
BE19.17311.461.10.47.90
NL160000084
LU12.9059.926.100.50
PL10.579.761.218.603.86
PT8.972.353.518.20.616.91.9
IT8.18778.68.404.90
TR7.37866.112.3-0.414.30.4
DE6.48359.123.906.44.2
Colour#002957#82c55b#662d91#23a2b2#971b1e#f78f1e#ffc846
Stacked Column Percentage

Hover over the bars for each data point.

Notes:
For SI, data is from SZZ members only. Branches of companies from EU/EEA countries and FOS are excluded

Life distribution channels 2015
CountryDirect writingIntermediariesAgentsBrokersOther intermediariesBancassuranceOther
MT1.8013.62.7081.90
TR9.507.53.10.479.9-0.4
PT4.4014.71.30.279.70
IT7.4012.80.5079.30.1
FR15.106110644
ES10.8016.57.9063.51.4
HR38012.72035.511.8
BE22.106.7400.131.10
GR9.160000310
PL29.3036.22.5029.62.4
LU24.1053.30.9021.80
DE3047.126.3020.72.9
SE170223-11940
SI5.7079.90.1014.30
Colour#002957#82c55b#662d91#23a2b2#971b1e#f78f1e#ffc846
Stacked Column Percentage

Hover over the bars for each data point.

Notes:
In % of premiums
For SK, agents are included with brokers 
For DE, SE and UK, figures refer to new business
For GR, the is no distinction between intermediaries
For SI, data is from SZZ members only. Branches of companies from EU/EEA countries and FOS are excluded

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Arthur Hilliard
Arthur Hilliard
Policy advisor
Emma Coles
Emma Coles
Policy advisor
William Vidonja
William Vidonja
Head of conduct of business