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European Insurance and Occupational Pensions Authority

IDD General Good Provisions

Insurance undertakings and/or intermediaries that intend to carry on business in EU/EEA Member State(s) need to comply with national requirements, also called General Good provisions. These are national rules of the Member States which introduce additional requirements addressing specificities of the respective markets.

To promote transparency for cross-border activity, EIOPA has published on this page:

  • Hyperlinks to the websites of competent authorities where information on ‘general good’ rules is published (Article 11(3), first sentence, IDD)
  • Report on national general good rules
  • National ‘general good’ rules categorised into different relevant areas of law (Article 11(3), second sentence, IDD)

Hyperlinks to the websites of competent authorities where information on ‘general good’ rules is published

CountryActorLanguage
Austria (for occupational pension schemes)Financial Market Authority (FMA)EN
Austria (for intermediaries)Federal Ministry for Digital and Economic Affairs​EN
Austria (for undertakings)Financial Market Authority (FMA)EN
Belgium (for intermediaries)Financial Services and Markets Authority (FSMA)EN
Belgium (for undertakings)National Bank of Belgium (NBB)EN
Bulgaria (for undertakings and intermediaries)Financial Supervision Commission (FSC)EN
Croatia (for undertakings and intermediaries)Croatian Financial Services Supervisory Agency (HANFA)EN
Cyprus (for undertakings and intermediaries)Ministry of Finance, Insurance Companies Control Service (ICCS)EN
Czechia (for undertakings and intermediaries)Czech National Bank (CNB)EN
Denmark (for undertakings and intermediaries)Finanstilsynet (Danish FSA)EN
Estonia (for intermediaries)Finantsinspektsioon Financial Supervision Authority (EFSA)EN
Estonia (for undertakings)​Finantsinspektsioon Financial Supervision Authority (EFSA)EN
Finland (for intermediaries)Finanssivalvonta Financial Supervisory Authority (FIN-FSA)EN
Finland (for undertakings)Finanssivalvonta Financial Supervisory Authority (FIN-FSA)EN
France (for undertakings and intermediaries)Autorité de contrôle prudentiel et de resolution EN
France (for undertakings and intermediaries)Autorité de contrôle prudentiel et de resolutionFR
Germany (for undertakings)Federal Financial Supervisory Authority (BaFin)DE
Germany (for intermediaries)Deutscher Industrie- und Handelskammertag (IHK)DE
Greece (for undertakings and intermediaries)Bank of GreeceGR
Greece (for undertakings as product manufacturers)Bank of GreeceEN
Greece (for undertakings as product distributors)Bank of GreeceEN
Greece (for intermediaries)Bank of GreeceEN
Hungary (for undertakings and intermediaries)Magyar Nemzeti Bank (MNB)EN
Iceland (for undertakings and intermediaries)Financial Supervisory Authority (FME)EN
IrelandHealth Insurance Authority (HIA)EN
Ireland (for undertakings and intermediaries)Central Bank of IrelandEN
Italy (for undertakings and intermediaries)Istituto per la Vigilanza sulle Assicurazioni (IVASS)EN
Latvia (for insurance undertaking FOE)Latvijas BankaEN
Latvia (for insurance undertaking FOS)Latvijas BankaEN
Latvia (for insurance intermediaries FOE and FOS)Latvijas BankaEN
Liechtenstein (for intermediaries)Financial Market Authority (FMA)EN
Liechtenstein (for undertakings)Financial Market Authority (FMA)EN
Lithuania (for undertakings and intermediaries)Bank of LithuaniaEN
Luxembourg (for undertakings and intermediaries)Commissariat aux AssurancesFR
Malta (for undertakings & intermediaries)Financial Services Authority (MFSA)EN
Malta (for undertakings)Financial Services Authority (MFSA)EN
Malta (for undertakings)Financial Services Authority (MFSA)EN
Malta (for intermediaries)Financial Services Authority (MFSA)EN
Malta (for intermediaries)Financial Services Authority (MFSA)EN
Netherlands (for undertakings)De Nederlandsche Bank (DNB)EN
Netherlands (for undertakings and intermediaries)Dutch Authority for the Financial Markets (AFM) EN/NL
Norway (for intermediaries)Finanstilsynet Financial Supervisory Authority (FSA)EN
Norway (for pension funds)Finanstilsynet Financial Supervisory Authority (FSA)EN
Norway (for insurance companies)Finanstilsynet Financial Supervisory Authority (FSA)EN
​Poland (for undertakings and intermediaries)Financial Supervision Authority (KNF)PL
​Poland (for undertakings and intermediaries)Financial Supervision Authority (KNF)EN
Portugal (for intermediaries)Autoridade de Supervisão de Seguros e Fundos de Pensões (ASFPT/EN
Portugal (for undertakings)Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF)PT/EN
Portugal (for undertakings)Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF)
Freedom to provide services
PT/EN
Portugal (for undertakings)Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF)
Freedom of Establishment
PT/EN
RomaniaFinancial Supervision Authority (ASF)EN
Slovakia (for undertakings and intermediaries)National Bank of SlovakiaEN
Slovenia (for undertakings and intermediaries)Insurance Supervision Agency (AZN)EN
Spain (for undertakings and intermediaries)Dirección General de Seguros y Fondos de PensionesEN
Sweden (for undertakings and intermediaries)Finansinspektionen, Financial Supervisory AuthorityEN

Please note that EIOPA is not responsible for the correctness of the information that may be accessed through the links listed on this page. 

Report on national General Good rules

In July 2019 EIOPA published a report analysing national General Good rules in the context of the proper functioning of the IDD and the internal market. The report provides both a factual description of the types of rules which are published on the websites of the competent authorities and are applicable to insurance distribution activities, and a general assessment, facilitating the checking of main areas of divergence and impact of the general good provisions on the proper functioning of the IDD and the internal market more broadly.

The report concluded that some NCAs have published general good rules on registration and organisational requirements, which allow those NCAs as host Member States to impose additional requirements on passporting insurance distributors whereas, under the IDD, those rules are under the competence of the competent authority of the home Member State only.

Following the publication of the report, EIOPA carried out an analysis of all published general good rules on registration and professional and organisational requirements that could potentially be non-compliant with the IDD. As a result, several NCAs have adjusted their webpages and documents with information on general good rules. Further information on the adjustments made to general good rules in different Member States is available here.

EIOPA will continue to assess further cases and will report back on these in the future, where appropriate.

National ‘General Good’ rules categorised into different relevant areas of law

Table summaries (Last updated: 2023)

31 JANUARY 2023
Austria_idd-general
31 JANUARY 2023
Belgium_idd_general
31 JANUARY 2023
Bulgaria_idd_general
31 JANUARY 2023
Croatia_idd_general
31 JANUARY 2023
Cyprus_idd_general
31 JANUARY 2023
Czech Republic_idd_general
31 JANUARY 2023
Denmark_idd_general
31 JANUARY 2023
Estonia_idd_general
31 JANUARY 2023
Finland_idd_general
31 JANUARY 2023
France_idd_general
31 JANUARY 2023
Germany_idd_general
31 JANUARY 2023
Greece_idd_general
31 JANUARY 2023
Hungary_idd_general
31 JANUARY 2023
Iceland_idd_general
31 JANUARY 2023
Ireland_idd_general
31 JANUARY 2023
Italy_idd_general
31 JANUARY 2023
Latvia_idd_general
31 JANUARY 2023
Liechtenstein_idd_general
31 JANUARY 2023
Lithuania_idd_general
31 JANUARY 2023
Luxembourg_idd_general
31 JANUARY 2023
Malta_idd_general
31 JANUARY 2023
Netherlands_idd_general
31 JANUARY 2023
Norway_idd_general
31 JANUARY 2023
Poland_idd_general
31 JANUARY 2023
Portugal_idd_general
31 JANUARY 2023
Romania_idd_general
2 AUGUST 2024
Slovakia_idd_general
31 JANUARY 2023
Slovenia_idd_general
31 JANUARY 2023
Spain_idd_general
31 JANUARY 2023
Sweden_idd_general