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European Insurance and Occupational Pensions Authority

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  • General publications

EIOPA's conduct of business supervision strategy

This paper sets out EIOPA's Strategic Approach to a comprehensive risk-based and preventive framework for conduct of business supervision on a European level.

Documents type
Strategy
Topics type
SupervisionSupervisory framework
  • General publications

Supervisory Statement on ORSA in the context of COVID-19

The supervisory statement on Own Risk and Solvency Assessment (ORSA) in the context of COVID-19 pandemicfocuses on the supervision of the internal processes of undertakings that are necessary for having a good quality ORSA in place.The statement is accompanied with the resolution of comments from...

Documents type
Supervisory statement
Topics type
ORSA
  • General publications

Opinion on the use of risk mitigation techniques by insurance undertakings

The Opinionaddresses the use of risk mitigation techniques and includes a set of recommendations addressed to national competent authorities (NCAs) to ensure convergent supervision.This Opinion raises awareness about the importance to have a proper balance between the risk effectively transferred...

Documents type
Opinion
Topics type
Risk assessmentSupervision
  • General publications

Methodological paper on potential inclusion of climate change in the Nat Cat standard formula

The frequency and severity of natural catastrophes is expected to increase due to climate change. To ensure continuing policyholder protection and stability of the insurance market, the Solvency Capital Requirements (SCR) for natural catastrophe underwriting risk should reflect the expected impact...

Documents type
MethodologyReport
Topics type
Solvency requirementsSustainability
  • General publications

Report on non-life underwriting and pricing in light of climate change

The frequency and severity of natural catastrophes is expected to increase due to climate change. As underwriters of natural catastrophe risks, the (re)insurance sector can be particularly impacted by climate change. The increasing risk can lead to insurance coverage becoming unaffordable for the...

Documents type
Report
Topics type
SustainabilityImpact underwriting
  • General publications

Impact of EU-wide insurance stress tests on equity prices and systemic risk

Since the global financial crisis in 2007, stress tests have become standard tools for regulators and supervisors to assess the risks and vulnerabilities of financial sectors. To this end, the Insurance and Occupational Pensions Authority (EIOPA) regularly performs EU-wide insurance stress tests...

Documents type
Thematic article
Topics type
Stress testFinancial stability
  • General publications

Climate change, catastrophes and the macroeconomic benefits of insurance

This article considers the protective role that insurance can play in mitigating the negative macroeconomic and welfare impact of catastrophes, and the interplay between climate change and insurance coverage. The article first develops a theoretical model of insurance, climate change, catastrophes...

Documents type
Thematic article
Topics type
SustainabilityFinancial stability
  • General publications

Financial Stability Report July 2021

The Financial Stability Report - July 2021 addresses key financial stability risks in the European insurance and pension sector.The report emphasizes that the pandemic crisis is still not over and many uncertainties remain despite the progress in vaccination campaigns and decreasing trends in the...

Documents type
Financial stability report
Topics type
Financial stability
  • General publications

Artificial intelligence governance principles: towards ethical and trustworthy artificial intelligence in the European insurance sector

The report builds on recent international and EU developments in the area of digitalisation and AI.The report highlights the proliferation of AI in insurance. For instance, AI allows insurance companies to carry out more granular risk assessments and pricing practices, increasingly efficient...

Documents type
Report
Topics type
Big DataInsurTechInnovation
  • General publications

Annual Report 2020

Annual Report 2020

Documents type
Annual reportPublication
Topics type
Organisation
  • General publications

Amended Implementing Technical Standards (ITS) on the mapping of credit assessments of External Credit Assessment Institutions (ECAIs)

The amendments of the Implementing Technical Standards (ITS) reflect:the recognition of two new credit rating agencies (CRAs);the outcome of a monitoring exercise on the adequacy of existing mappings; andthe deregistration of a number of CRAs.The ITS are part of the EU Single Rulebook for banking...

Documents type
Technical standard
Topics type
Regulation
  • General publications

Guidelines on PEPP supervisory reporting

The Guidelines ensure the common, uniform and consistent application to the PEPP supervisory reporting regarding the details of the nature, scope and format of the information to be submitted by the PEPP providers to the competent authorities at predefined intervals and upon occurrence of...

Documents type
Guidelines
Topics type
ReportingPEPPSupervision
  • General publications

2021 Insurance stress test factsheet

The 2021 stress test exercise focuses on a prolonged COVID-19 scenario in a “lower for longer” interest rate environment and evaluates its impacts on the capital and liquidity position of the entities in scope.The 2021 stress test exercise aims to assess the resilience of the participants to the...

Documents type
Fact sheet
Topics type
Stress test