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Directive 2016/97/EU - Insurance Distribution Directive (IDD)RecitalsChapter I Scope and definitions (arts. 1-2)Article 1 ScopeArticle 2 DefinitionsChapter II Registration requirements (art. 3)Article 3 RegistrationChapter III Freedom to provide services and freedom of establishment (arts. 4-9 and draft art. 9a)Article 4 Exercise of the freedom to provide servicesArticle 5 Breach of obligations when exercising the freedom to provide servicesArticle 6 Exercise of the freedom of establishmentArticle 7 Division of competence between home and host Member StatesArticle 8 Breach of obligations when exercising the freedom of establishmentArticle 9 Powers in relation to national provisions adopted in the interest of the general goodDraft Article 9a Reporting of cross-border activitiesChapter IV Organisational requirements (arts. 10-16 and draft arts. 16a-16b)Article 10 Professional and organisational requirementsArticle 11 Publication of 'general good' rulesArticle 12 Competent authoritiesDraft Article 12a Cooperation and exchange of information with EIOPADraft Article 12b Collaboration platformsArticle 13 Cooperation and exchange of information between the competent authorities of Member StatesArticle 14 ComplaintsArticle 15 Out-of-court redressArticle 16 Restriction on use of intermediariesDraft Article 16a Financial education of customersDraft Article 16b Financial education of customers and marketing communicationChapter V Information requirements and conduct of business rules (arts. 17-25)Article 17 General principleArticle 18 General information provided by the insurance intermediary or insurance undertakingArticle 19 Conflicts of interest and transparencyArticle 20 Advice, and standards for sales where no advice is givenArticle 21 Information provided by ancillary insurance intermediariesArticle 22 Information exemptions and flexibility clauseArticle 23 Information conditionsArticle 24 Cross-sellingArticle 25 Product oversight and governance requirementsChapter VI Additional requirements in relation to insurance-based investment products (arts. 26-30)Article 26 Scope of additional requirementsDraft Article 26a Marketing communications and practicesArticle 27 Prevention of conflicts of interestArticle 28 Conflicts of interestArticle 29 Information to customersDraft Article 29a InducementsDraft Article 29b Best interest of customersArticle 30 Assessment of suitability and appropriateness and reporting to customersChapter VII Sanctions and other measures (arts. 31-36)Article 31 Administrative sanctions and other measuresArticle 32 Publication of sanctions and other measuresArticle 33 Breaches, and sanctions and other measuresArticle 34 Effective application of sanctions and other measuresArticle 35 Reporting of breachesDraft Article 35a Procedure to address activities offered through digital means without authorisation or registrationArticle 36 Submitting information to EIOPA in relation to sanctions and other measuresChapter VIII Final provisions (arts. 37-46)Article 37 Data protectionArticle 38 Delegated actsArticle 39 Exercise of the delegationArticle 40 Transitional periodArticle 40a Accessibility of information on the European single access pointArticle 41 Review and evaluationArticle 42 TranspositionArticle 43 Amendment of Directive 2002/92/ECArticle 44 RepealArticle 45 Entry into forceArticle 46 AddresseesAnnex I Minimum Profesional knowledge and competence requirementsAnnex IIAnnex II, Part A Repealed Directive with list of its successive amendmentsAnnex II, Part B Time limits for transposition into national law referred to in Article 44Annex III Correlation tableDone at
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Version status: Entered into force | Document consolidation status: Updated to reflect all known changes
Published date: 2 February 2016

Directive 2016/97/EU - Insurance Distribution Directive (IDD)

There are proposed amendments for this document.
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⚠
Recitals
Chapter I Scope and definitions (arts. 1-2)
Article 1 Scope
⚠ Article 2 Definitions
Chapter II Registration requirements (art. 3)
⚠ Article 3 Registration
Chapter III Freedom to provide services and freedom of establishment (arts. 4-9 and draft art. 9a)
Article 4 Exercise of the freedom to provide services
⚠ Article 5 Breach of obligations when exercising the freedom to provide services
Article 6 Exercise of the freedom of establishment
Article 7 Division of competence between home and host Member States
Article 8 Breach of obligations when exercising the freedom of establishment
Article 9 Powers in relation to national provisions adopted in the interest of the general good
⚠ Draft Article 9a Reporting of cross-border activities
Chapter IV Organisational requirements (arts. 10-16 and draft arts. 16a-16b)
⚠ Article 10 Professional and organisational requirements
Article 11 Publication of 'general good' rules
⚠ Article 12 Competent authorities
⚠ Draft Article 12a Cooperation and exchange of information with EIOPA
⚠ Draft Article 12b Collaboration platforms
Article 13 Cooperation and exchange of information between the competent authorities of Member States
⚠ Article 14 Complaints
Article 15 Out-of-court redress
Article 16 Restriction on use of intermediaries
⚠ Draft Article 16a Financial education of customers
⚠ Draft Article 16b Financial education of customers and marketing communication
Chapter V Information requirements and conduct of business rules (arts. 17-25)
⚠ Article 17 General principle
⚠ Article 18 General information provided by the insurance intermediary or insurance undertaking
⚠ Article 19 Conflicts of interest and transparency
⚠ Article 20 Advice, and standards for sales where no advice is given
Article 21 Information provided by ancillary insurance intermediaries
⚠ Article 22 Information exemptions and flexibility clause
⚠ Article 23 Information conditions
Article 24 Cross-selling
⚠ Article 25 Product oversight and governance requirements
Chapter VI Additional requirements in relation to insurance-based investment products (arts. 26-30)
⚠ Article 26 Scope of additional requirements
⚠ Draft Article 26a Marketing communications and practices
Article 27 Prevention of conflicts of interest
⚠ Article 28 Conflicts of interest
⚠ Article 29 Information to customers
⚠ Draft Article 29a Inducements
⚠ Draft Article 29b Best interest of customers
⚠ Article 30 Assessment of suitability and appropriateness and reporting to customers
Chapter VII Sanctions and other measures (arts. 31-36)
Article 31 Administrative sanctions and other measures
Article 32 Publication of sanctions and other measures
Article 33 Breaches, and sanctions and other measures
Article 34 Effective application of sanctions and other measures
⚠ Article 35 Reporting of breaches
⚠ Draft Article 35a Procedure to address activities offered through digital means without authorisation or registration
Article 36 Submitting information to EIOPA in relation to sanctions and other measures
Chapter VIII Final provisions (arts. 37-46)
Article 37 Data protection
⚠ Article 38 Delegated acts
⚠ Article 39 Exercise of the delegation
Article 40 Transitional period
Article 40a Accessibility of information on the European single access point
Article 41 Review and evaluation
Article 42 Transposition
Article 43 Amendment of Directive 2002/92/EC
Article 44 Repeal
Article 45 Entry into force
Article 46 Addressees
⚠ Annex I Minimum Profesional knowledge and competence requirements
Annex II
Annex II, Part A Repealed Directive with list of its successive amendments
Annex II, Part B Time limits for transposition into national law referred to in Article 44
Annex III Correlation table
Done at
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