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: