Insurance Distribution Directive
Conduct, product oversight and governance, and disclosure for insurance distributors.
- Issued by
- European Union / EIOPA
- Applies in
- European Union
- Edition
- Directive (EU) 2016/97
- Area
- Insurance
What an assessor reads first.
The headline requirements in Amoreg’s catalogue, in the issuer’s own numbering where it has one. They are where a review starts, not a transcription of the text.
- Art.17Act honestly, fairly and professionallyConduct
- Art.20Demands and needs; adviceAdvice
- Art.25Product oversight and governanceProducts
- Art.29Information and conflicts for insurance-based investment productsDisclosure
How Amoreg keeps you on it.
Enable the Insurance Distribution Directive and the Monitor suggests EIOPA as a source. Every publication it records keeps its source, stage and date.
Inspector reads your policies against these 4 requirements every week and opens a finding wherever one falls short, citing the rule and drafting the fix. A person decides what is applied.
Each week
- Read eiopa.europa.eu
- Check the library against 4 requirements
- Open findings with drafted fixes
- Wait for a person to decide
Policy does not yet set out: act honestly, fairly and professionally
- Rule
- Insurance Distribution Directive, Art.17
- Area
- Conduct
- Proposed by
- Inspector
- Decided by
- A named person, once reviewed
The same ground, elsewhere.
- FCA Handbook — ICOBS (Insurance: Conduct of Business)Conduct rules for general insurance and protection distribution.United Kingdom · 5 controls
- Lloyd's Principles for doing business at Lloyd'sThe thirteen principles managing agents are assessed against, replacing the Minimum Standards.United Kingdom · 6 controls
- Guernsey Insurance Business Rules and GuidanceConduct, solvency, governance and reporting rules for licensed insurers and insurance managers.Guernsey · 4 controls
- IAIS Insurance Core PrinciplesThe global standard for insurance supervision and the ComFrame for internationally active groups.Global · 5 controls
Also in European Union
- EU Anti-Money Laundering Directives (4AMLD–6AMLD)The directive-based regime transposed into member state law, until the single rulebook applies.European Union · 6 controls
- EU AML Regulation (single rulebook)Directly applicable AML/CFT rules for obliged entities across the Union, supervised by AMLA (operational since July 2025).European Union · 8 controls
- EU General Data Protection RegulationThe data protection regime for controllers and processors established in, or targeting, the EU.European Union · 9 controls
- EU Artificial Intelligence ActRisk-based obligations for providers and deployers of AI systems; general-purpose AI duties from August 2025, high-risk from August 2026.European Union · 6 controls
- DORA — Digital Operational Resilience ActICT risk management, incident reporting, resilience testing and third-party risk for financial entities.European Union · 8 controls
- NIS2 DirectiveCybersecurity risk-management measures and incident reporting for essential and important entities.European Union · 4 controls
Questions
Does Amoreg watch for changes to the Insurance Distribution Directive?
Yes. Enable it and the Monitor suggests European Insurance and Occupational Pensions Authority as a source; every publication it records keeps its source, stage and date.
Can Amoreg check our policies against the Insurance Distribution Directive?
Yes. Inspector reads your library against its requirements every week and opens a finding, with the rule it cites and a proposed fix, wherever a policy falls short. A person decides what is applied.
Which edition does Amoreg use?
The catalogue records Directive (EU) 2016/97. Editions were last verified in August 2026, and the Monitor records new publications as they appear.