Reports and research

Key findings:Transparency and disclosure of information to consumers has overall improved The digitalisation of the insurance sector continues showing potential for improving the consumer experience and brings new opportunities for insurersHowever, areas that could cause potential consumer...

The report supplements information provided in EIOPA's annual reports on long-term guarantee measures and is published in response to a request from the European Commission in the context of the 2020 Review of Solvency II.The report provides information on:insurance liabilities;the asset...

Potential undue short-term pressure from financial markets

YE2018 Comparative Study on Market and Credit Risk Modelling

Climate risk assessment of the sovereign bond portfolio of European insurers

Impact of variation margining on EU insurers' liquidity: an analysis of interest rate swaps positions

The Solvency II Directive requires a review of the long-term guarantees measures (LTG) and the measures on equity risk until 1 January 2021. As part of this review, EIOPA reports annually on the impact of the application of the LTG measures and the measures on equity risk to the European...

This analysis is based on 2018 year-end Solvency II data collected under Directive2009/138/EC as reported by the undertakings and insurance groups complemented by asurvey that entailed both qualitative and quantitative questions.

Fact Sheet - Consumer Protection Issues in Travel Insurance

European Insurance Overview 2019

While travel insurance is mostly a ‘small-ticket’ business, it can be critical for consumers, sincethe impact of insufficient cover or denied claims – in particular for medical expenses whiletravelling – can be extensive at the individual level.Discover EIOPA's research on the topic and its key...

2020 Review of Solvency II - In Brief

As cyber threats have become more prominent in recent years, they are increasinglyconsidered as a top global risk for the financial sector and the economy as a whole. Theincreasing frequency and sophistication of cyber attacks, the fast digital transformationand the increased use of big data and...

The report covers the impact of a no-deal Brexit on financial activities, risks related to the low interest rate environment, as well as climate change risks.

Final Report on c​ross-border supervision of retail financial services

Insurance Distribution Directive - Report analysing national general good rules

EIOPA Financial Stability Report June 2019

This article empirically investigates whether the introduction of green bond policies by insurance companies have a positive impact on their equity prices. To this aim, the sample of listed (re)insurers in Europe using monthly data for years 2012 – 2019 is employed. Announcements, press releases...

Report on the results of the MCRCS YE2017