Third IDD application report

The IDD has now been applied across most Member States for over seven years. Over time, insurance distributors have gained practical experience in applying the IDD requirements and national competent authorities (NCAs) have acquired extensive supervisory experience.

This third report builds on that experience, assessing developments in the insurance distribution market and evaluating the impact of the IDD on consumers, distributors and supervisors during 2024–2025. It draws on two surveys conducted with NCAs and feedback gathered from a public event in April 2025 and EIOPA’s Insurance and Reinsurance Stakeholder Group (IRSG). EIOPA has sought to further enhance the data quality and comparability of data in this report to address issues identified in its previous two reports.