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The Insurance Distribution Directive (IDD) aims to strengthen the protection of customers and to harmonise national provisions concerning the distribution of insurance products. Insurance distributors will be required to comply with these new rules by 23 February 2018.
To support the implementation of the Directive, the European Commission and European Insurance and Occupational Pensions Authority (EIOPA) are empowered to draft technical rules to supplement the Directive in a number of areas.
This includes a requirement for EIOPA to "develop Guidelines for the assessment of insurance based investment products (IBIPs) that incorporate a structure which makes it difficult for the customer to understand the risks involved" (Article 30(7), IDD).
As a first step, EIOPA would like to seek the views and input of stakeholders on the scope of the Guidelines and the types of IBIPs that may be relevant for this scope, via an online survey.
EIOPA will continue to involve stakeholders at various stages during the development of the Guidelines. In particular, once draft policy proposals have been prepared EIOPA will launch a public consultation on those proposals.
EIOPA is aware that there are already a number of ongoing public consultations on the IDD, including on the technical advice on possible delegated acts (EIOPA-CP-16-006). EIOPA is therefore very appreciative for any input that stakeholders are able to provide at this stage. In addition, EIOPA has highlighted in bold in the survey the questions that it considers to be the most important, should respondents have to prioritise certain questions.
The deadline for providing your comments to EIOPA has expired.
Publication of responses
Contributions received will be published on EIOPA's public website unless you request otherwise in the respective field in the survey.
Please note that EIOPA is subject to Regulation (EC) No 1049/2001 regarding public access to documents and EIOPA's rules on public access to documents.
Contributions will be made available at the end of the survey period.
Please note that personal contact details (such as name of individuals, email addresses and phone numbers) will not be published. They will only be used to request clarifications if necessary on the information supplied.
EIOPA, as a European Authority, will process any personal data in line with Regulation (EC) No 45/2001 on the protection of the individuals with regards to the processing of personal data by the Community institutions and bodies and on the free movement of such data. More information on data protection can be found under Legal notice.