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 writingTotal intermediatiesAgentsBrokersOther intermediariesBancassuranceOther
HR60.78885745404319.3170042047510.73402634131806.69869978972162.4614122101673
LU53.2333.9511.9900.250.11
FI50.6403.705.70
FR3333170141
MT31.3742.2324.350.731.320
UK28552069
SI24.9665.896.4101.011.72
ES19.8235.6625.48012.186.87
BE19.12514445911811.44723925861161.0485843550990.278985165665528.10004676150650
PL106218037
IT877.19.205.70
PT7.912654667434555.37415974961819.4793138481070.516590684642816.7119805656490
TR568.911.7013.20
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 writingTotal intermediatiesAgentsBrokersOther intermediariesBancassuranceOther
TR7.85.53.8082.90
MT2.4611.882.91082.670.08
IT8.214.30.6076.90
PT6.793800048572219.3754413710491.71442034569980.283877112836971.8324611218420
ES9.1114.776.57068.321.23
FR1506110653
HR35.30064111731420.1438831534228.8032016666564036.2659208530271.6936287224356
GR1153000360
BE21.476939011407.163722017453338.4475084487420.1964936872228432.7153368351820
PL333630280
DE2.34826.1019.93.7
LU26.8853.751.89017.480
SE2042401438
SI14.1472.240.17013.450
UK2576800.00010
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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William Vidonja
William Vidonja
Head of conduct of business
Emma Coles
Emma Coles
Policy advisor
Arthur Hilliard
Arthur Hilliard
Policy advisor