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Interactive rulebook
Directive (EU) 2016/97 (Insurance Distribution Directive)
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Directive (EU) 2016/97 (Insurance Distribution Directive)
CHAPTER I - SCOPE AND DEFINITIONS
Article 1 - Scope
Article 2 - Definitions
CHAPTER II - REGISTRATION REQUIREMENTS
Article 3 - Registration
CHAPTER III - FREEDOM TO PROVIDE SERVICES AND FREEDOM OF ESTABLISHMENT
Article 4 - Exercise of the freedom to provide services
Article 5 - Breach of obligations when exercising the freedom to provide services
Article 6 - Exercise of the freedom of establishment
Article 7 - Division of competence between home and host Member States
Article 8 - Breach of obligations when exercising the freedom of establishment
Article 9 - Powers in relation to national provisions adopted in the interest of the general good
CHAPTER IV - ORGANISATIONAL REQUIREMENTS
Article 10 - Professional and organisational requirements
Article 11 - Publication of ‘general good’ rules
Article 12 - Competent authorities
Article 13 - Cooperation and exchange of information between the competent authorities of Member States
Article 14 - Complaints
Article 15 - Out-of-court redress
Article 16 - Restriction on use of intermediaries
CHAPTER V - INFORMATION REQUIREMENTS AND CONDUCT OF BUSINESS RULES
Article 17 - General principle
Article 18 - General information provided by the insurance intermediary or insurance undertaking
Article 19 - Conflicts of interest and transparency
Article 20 - Advice, and standards for sales where no advice is given
Article 21 - Information provided by ancillary insurance intermediaries
Article 22 - Information exemptions and flexibility clause
Article 23 - Information conditions
Article 24 - Cross-selling
Article 25 - Product oversight and governance requirements
CHAPTER VI - ADDITIONAL REQUIREMENTS IN RELATION TO INSURANCE-BASED INVESTMENT PRODUCTS
Article 26 - Scope of additional requirements
Article 27 - Prevention of conflicts of interest
Article 28 - Conflicts of interest
Article 29 - Information to customers
Article 30 - Assessment of suitability and appropriateness and reporting to customers
CHAPTER VII - SANCTIONS AND OTHER MEASURES
Article 31 - Administrative sanctions and other measures
Article 32 - Publication of sanctions and other measures
Article 33 - Breaches, and sanctions and other measures
Article 34 - Effective application of sanctions and other measures
Article 35 - Reporting of breaches
Article 36 - Submitting information to EIOPA in relation to sanctions and other measures
CHAPTER VIII - FINAL PROVISIONS
Article 37 - Data protection
Article 38 - Delegated acts
Article 39 - Exercise of the delegation
Article 40 - Transitional period
Article 41 - Review and evaluation
Article 42 - Transposition
Article 43 - Amendment of Directive 2002/92/EC
Article 44 - Repeal
Article 45 - Entry into force
Article 46 - Addressees
ANNEX I
Article I - Non-life risks classified under classes 1 to 18 in Part A of Annex I to Directive 2009/138/EC:
Article II - Insurance-based investment products:
Article III - Life risks classified in Annex II to Directive 2009/138/EC: