Relevant bibliographies by topics / Directive on insurance distribution

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  2. Dissertations / Theses
  3. Books
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Academic literature on the topic 'Directive on insurance distribution'

Author: Grafiati
Published: 4 June 2021
Last updated: 1 February 2022

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Journal articles on the topic "Directive on insurance distribution"

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Goravica, Milica. "Suppression of unfair sales of insurance products under the Insurance Distribution Directive." Pravo i privreda 58, no. 3 (2020): 289–304. http://dx.doi.org/10.5937/pip2003289g.

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One of the main reasons for the occurrence of the financial crisis in 2007 was certainly the sales procedure of insurance products, which, as it later turned out, were inadequate. The crisis was a signal to the European Commission that it is necessary to improve the consumer protection regarding insurance products and to improve the transparency of insurance distribution. It was necessary to provide equal protection to consumers of insurance products in the entire EU market, through the introduction of several innovations in the regulation of this sector and thus restore the confidence of consumers. In that sense, the Insurance Distribution Directive has set the suppression of unfair sales of insurance products as its most important goal. The author researched those key novelties of the Insurance Distribution Directive, which were adopted in order to prevent unfair sales of insurance products. The paper presents an analysis of new rules and aims to show how revolutionary new regulatory framework is and how much it will contribute to the fight against unfair sales of insurance products
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Marano, Pierpaolo. "Navigating InsurTech: The digital intermediaries of insurance products and customer protection in the EU." Maastricht Journal of European and Comparative Law 26, no. 2 (April 2019): 294–315. http://dx.doi.org/10.1177/1023263x19830345.

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Emerging technology-driven innovations in the insurance industry is a trend of recent years. ‘InsurTech’ is the portmanteau describing this phenomenon. Insurance intermediaries are the main distributors of the insurance contracts and several digital intermediaries are already operating with InsurTech. The European Union legal framework on insurance distribution mainly consists of the Insurance Distribution Directive, which came into force a few months ago. However, the Insurance Distribution Directive does not provide standards specifically dictated to these intermediaries. The paper aims to verify, despite this shortcoming, whether and how the recent discipline applies to digital intermediaries.
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Brajczewska, Marta, and Aleksander Raczyński. "Rules for Co-manufacturing and Governance of Insurance Products by an Insurance Undertaking and an Insurance Broker in the Light of Insurance Distribution Regulations." Prawo Asekuracyjne 1, no. 102 (March 15, 2020): 4–17. http://dx.doi.org/10.5604/01.3001.0013.9063.

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The entry into force of the Directive (EU) of the European Parliament and of the Council on the distribution of insurance, the Commission Delegated Regulation (EU) supplementing Directive (EU) 2016/97 of the European Parliament and of the Council with regard to product oversight and governance requirements for insurance undertakings and insurance distributors, as well as the Insurance Distribution Act of 15 December 2017 have created new opportunities for cooperation between insurance companies and brokers involving insurance products co-manufacturing and management. Such cooperation remains an exception to the principle of inadmissibility of brokers’ permanent contractual relationship with insurance undertakings, specified in Article 30 para. 1 point 2 of the Insurance Distribution Act. The article presents legal provisions relating to an insurance product manufacturing and governance and contracts regulating such cooperation. Its authors seek to answer a question whether it is necessary to maintain brokers’ independence from insurance undertakings in the course of an insurance product development and governance, and finally discuss the benefits and risks resulting from it.
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Fras, Mariusz. "The Directive 2016/97 On Insurance Distribution (IDD) And Private International Law." Review of European and Comparative Law 38, no. 3 (April 21, 2020): 113–43. http://dx.doi.org/10.31743/recl.4848.

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Clear normative grounds for the information obligation are visible in the Directive (EU) 2016/97 of the European Parliament and of the Council of 20 January 2016 on insurance distribution (hereinafter: IDD). One of the challenges before insurance law is to answer the question whether and how one should sanction violations of disclosure obligations resulting in the absence of the desired insurance protection. In this aspect important legal problem is law applicable to the assessment of liability for violation of disclosure obligations by the insurer. The second important problem is law applicable to the assessment of liability for violation of disclosure obligations by third parties vis-a-vis the insurer. Some remarks concerning jurisdiction in matters relating to the loss of chance to become insured, have different practical implications.
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Marano, Pierpaolo. "Management of Distribution Risks and Digital Transformation of Insurance Distribution—A Regulatory Gap in the IDD." Risks 9, no. 8 (August 2, 2021): 143. http://dx.doi.org/10.3390/risks9080143.

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The Insurance Distribution Directive (IDD) aims to regulate insurance distribution in the EU regardless of distribution channels and means. Although new technologies affect insurance distribution, the IDD does not explicitly regulate this digital transformation. Insurers and intermediaries must comply with detailed business conduct rules that aim to counteract distribution risks. However, the IDD exempts ancillary insurance intermediaries from its scope when they meet certain conditions. The article highlights the regulatory framework on insurance, requiring insurers and intermediaries to address distribution risks, and analyses how this exemption affects the management of distribution risks in online distribution from a legal perspective. The focus on online distribution depends on the scale such distribution can achieve. The consideration of the scale allows for challenging the political choice behind the exemption of ancillary insurance intermediaries, which consists of the principle of proportionality. A regulatory proposal to counteract these adverse effects is to remove the exemption from the IDD rules for ancillary intermediaries in online distribution. Such a proposal is compliant with the principle of technological neutrality and is in line with the new legislative proposals in the Digital Services Act and Digital Markets Act.
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Tereszkiewicz, Piotr, and Katarzyna Południak-Gierz. "Liability for Incorrect Client Personalization in the Distribution of Consumer Insurance." Risks 9, no. 5 (May 1, 2021): 83. http://dx.doi.org/10.3390/risks9050083.

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The use of personalization mechanisms should allow the insurance distributor to reduce exploration costs and adjust the offered insurance product to the needs, features, and situation of each individual client. This study seeks to examine how liability should be allocated when the process of the personalization of an insurance product does not result in the client’s choice of an optimal product. First, we identify the typical uses of new technologies allowing for an adjustment of insurance contracts. Second, we analyze the interplay between their application and the legal obligations of insurance product distributors. Subsequently, the paper discusses the scope of factors the insurance distributor is liable for when using personalizing tools in contacts with clients. We submit that offering an online personalization of insurance products ought to be regarded as being equivalent to providing advice under Art. 2, Sec. 1, Point 15 of the European Union Insurance Distribution Directive (IDD). From the consumer’s perspective, our analysis makes the case for the insurance distributor’s liability for mispersonalization of an insurance contract.
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Hofmann, Annette, Julia K. Neumann, and David Pooser. "Plea for Uniform Regulation and Challenges of Implementing the New Insurance Distribution Directive." Geneva Papers on Risk and Insurance - Issues and Practice 43, no. 4 (July 18, 2018): 740–69. http://dx.doi.org/10.1057/s41288-018-0091-6.

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Filipović, Nikola. "Two issues concerning insurance-based investment products, in retrospect." Tokovi osiguranja 36, no. 4 (2020): 31–56. http://dx.doi.org/10.5937/tokosig2003031f.

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This article deals with insurance-based investment products, more precisely, with two key (legal) issues that may be raised in connection with this type of insurance. The first issue concerns the legal nature of the insurance lines that has been addressed in the practice of the European Court of Justice, whereas the second issue concerns regulatory requirements for the distribution of such products, depending on their legal form and qualification. The second issue is all the more important because the difference in regulatory requirements was the impetus and one of the main reasons for a comprehensive reform of the rules of market conduct in the field of insurance and the adoption of Directive 2016/97 (EU) on insurance distribution.
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BUTACI, Casian, Simona DZITAC, Ioan DZITAC, and Gabriela BOLOGA. "PRUDENT DECISIONS TO ESTIMATE THE RISK OF LOSS IN INSURANCE." Technological and Economic Development of Economy 23, no. 2 (March 14, 2017): 428–40. http://dx.doi.org/10.3846/20294913.2017.1285365.

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The directive 2009/138/EC „Solvency II”, provides the determination of insurance capital requirements based either on a standard formula or an internal model built by the company and approved by the regulatory authority. The build of an internal model involves the determination of an extreme quantile from the empirical distribution of portfolio. An estimate of this quantile, with a 99.5% confidence level, requires a large number of simulations, each taking into account different scenarios as: insufficient reserves, unfavourable developments of financial assets, etc. The present paper proposes to argue the necessity of the extreme value theory approach in order to estimate the risk of loss for the insurance issue, in accordance with European Directive „Solvency II”, from the perspective of making prudent decisions for the assessment of insurance capital requirements.
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Ziemiak, Michał. "Pre-contractual Information Duties of Insurers. A German and Polish Approach." Prawo Asekuracyjne 2, no. 99 (June 15, 2019): 152–64. http://dx.doi.org/10.5604/01.3001.0013.5837.

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Information is the key element of consumers and customers protection in insurance. Implementation of Insurance Distribution Directive (IDD) by EU member states in 2018 was yet another step – at least in theory – in expanding access to basic knowledge about insurance products. Nevertheless, despite certain new solutions included in IDD, pre-contractual duties of insurers still remain primary source of mentioned information for policyholders. EU member states have adopted various approaches to IDD implementation and – in particular – legal shape of pre-contractual obligations of insurance contract parties. Hence, the purpose of this paper is to introduce contemporary perspective on insurers pre-contractual information duties in German and Polish legal systems. First part includes a basic outline of insurance law in both countries in scope of IDD implementation. It is followed by comparative commentaries on “demands-and-needs test” as well as general information duties set out i.a. in German Insurance Contract Act (VVG) and Polish Insurance Distribution Act (UDU).The paper closes with certain conclusions and findings.
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Dissertations / Theses on the topic "Directive on insurance distribution"

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Kim, Won-Joong. "An analysis of insurance distribution systems." Connect to resource, 1990. http://rave.ohiolink.edu/etdc/view.cgi?acc%5Fnum=osu1264614857.

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Venter, Petrus Albertus. "Change processes related to managing outsourced distribution within a life insurer." Thesis, Stellenbosch : Stellenbosch University, 2008. http://hdl.handle.net/10019.1/5541.

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Thesis (MBA (Business Management))--Stellenbosch University, 2008.
Financial services and in particular the insurance industry, has been exposed to large-scale pressures and challenges from various fronts. For the past few decades, the life insurance industry has been self-regulated through the Life Offices Association (LOA). The LOA, representing life insurers, however never succeeded in keeping the industry abreast of market, and the needs of the role players' (authors' opinion based on interaction with in the industry and supported by the implementation of consumer-driven legislation). The LOA together with a range of other financial services industry bodies have since been disbanded (2008) and will in future form part of the greater industry body ASISA (Association for savings & investment South Africa) Over the past 10 years the slow transformation caught up with the insurance industry. Life insurers wanting to satisfy their shareholders focussed on the generation of new business, often to the detriment of the consumer. Consumer understanding of what they bought increased at a faster rate than the knowledge of many of the brokers selling these products, partly due to the information era and the free availability of information. Lack of transparency, misrepresentations and bad advice from insurers and brokers have been exposed at an increasing rate since the late 1990s. The South African government decided to correct the wrongs of the past by taking control of the situation, copying the UK model on Financial Services. Government instituted the Financial Services Board and implemented a number of regulations to ensure compliance to set criteria. If compared to the regulatory model and processes applied in the UK (FSA), the insurance industry can expect more regulatory pressures in the immediate future. The increased regulation will increase the cost of doing business for all role-players. A reduction in broker numbers can also be expected. Insurers will have to find new ways of increasing production with a reduced distribution capacity. Insurers need to produce sufficient returns on investment for their shareholders to ensure continued capital. By being creative and partnering existing distribution structures, such as distribution networks, bank brokerages, etc., insurers will be able to lock-in distribution capacity without incurring excessive costs. It is undeniable that insurers will have to revisit their distribution strategies if they are to survive the next few years. At the current cost of distribution, insurers will not survive the changing environment. Distribution through existing internal distribution structures will continue to be under severe cost pressures in servicing brokers with low to average production levels. If the international trends are to filter through into the South African insurance industry, larger number of brokers will join networks merely to limit the impact the changing environment has on their practices. Such a move works in favour of all role players: • Insurers are able to reduce/restructure their costs and lock-in distribution capacity through singular points of entry. • Brokers are less fragmented and so improve their ability of being heard, through a greater unified voice. • Regulators can drive change and compliance through singular points of access to multiple brokers. • The industry is able to retain the knowledge and expertise to deliver their products and improve its overall public image. • Government are assured of a larger part of the population having access to financial services and in particular life insurance. • Clients would experience improved and standardised service levels from the brokers. Insurers unable to lock-in distribution capacity will find it extremely difficult to survive the changing climate. Insurers have been locking-in distribution capacity by means of: • agency forces that write products of the specific insurer • bank-assurance agreements where insurers and banks have cross shareholding • franchise agreements where the sales people are in fact agents of the franchisee • call centres either owned by the insurer or having dedicated seats selling products of the insurer • loyalty programmes aimed at gaining a larger portion of the brokers production • recently the formation of distribution networks provide insurers on the network platform access to affiliated brokers. The formation of networks and distribution networks counteracts the constrictions these structures place on broker independence by providing increased operational freedom to their affiliated brokers. The choice of partnering a distribution network needs to be supported by the following: • The choice of partner • A cost-benefit analysis • The timing of entering the partnership • The resources and supporting structures • The communication of the change • The preparation for the change • An approach in support of the partnership Partnering with a network is a strategic initiative as it involves outsourcing what was previously thought to be a core function of the insurer. This change in approach impacts many of the current structures and various people at all levels of the operation. How to approach partnering and implementing a model to support outsourcing to external distribution networks is dealt with in this study. The success of partnering with external distributors is reliant upon eight identified critical factors. These relate to: • fit, management, formalities and relationships of the partnership • systems, processes and support structures in support of the partnership • management of risk, control and growth within the partnership. The changing business environment will continue to increase the attractiveness of distribution networks to brokers. A shift in distribution capacity demographics towards distribution networks can thus be expected. In order to maximise their distribution capacity life insurers will need to embrace the change and adapt their approach towards the partnership. Without understanding, managing and finding solutions to each of the critical success factors (CSFs) an insurer will find it extremely difficult competing and increasing market share within the distribution network. The findings indicate a realistic probability that insurers are able to adapt to the changing environment. This however requires a change in style of management from one of control towards one of influence. Effectively, each partner should be treated as partners.
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Liu, Zhen. "Essays in the economics of property-liability insurance and life insurance markets." Diss., Temple University Libraries, 2015. http://cdm16002.contentdm.oclc.org/cdm/ref/collection/p245801coll10/id/305024.

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Business Administration/Risk Management and Insurance
Ph.D.
The first part of the dissertation investigates cost experience in the US life and health insurance industry over the period 1998-2012. We generally test the difference in expenses among different distribution systems, which mainly consists of independent agency, broker, career agency, exclusive agency, and direct writing. We check to see if cost, revenue and profit efficiency differences are associated with different distribution methods. Cost, revenue, and profit efficiencies are estimated by Data Envelopment Analysis. Unlike the results in the property and liability insurance industry, the cost difference is insignificant among distribution systems. Results on cost efficiency and revenue efficiency support the market imperfection hypothesis, which says that the market imperfections such as entry barriers, price regulation, or search costs cause the coexistence of different distribution systems. The second part of the dissertation examines the relationship between mergers and acquisitions (M&As), and underwriting cycles in the P-L insurance industry. In a soft market, capital is relatively high. This leads to an increase in the number of M&A transactions and the probability that managers conduct non-value-increasing M&As. We test this proposition by analyzing the associations between volumes of M&A deals, and returns associated with M&As and underwriting cycle. The results show that the numbers of M&As are negatively related with the premium rate changes and positively related with changes in the combined ratio. We also find that the cumulative abnormal returns around the announcement date of M&As are smaller for the shareholders of insurer acquirers in a soft market. Even more, we find that the market reaction of M&As is less sensitive to agency problems in a hard market than in a soft market.
Temple University--Theses
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Hsu, Minchung. "Essays on health insurance, saving behavior and the wealth distribution." Diss., Restricted to subscribing institutions, 2007. http://proquest.umi.com/pqdweb?did=1428847741&sid=1&Fmt=2&clientId=1564&RQT=309&VName=PQD.

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Le, Coz Maïwen. "Distribution et rôle trophique du zooplancton dans le bassin versant de l'Escaut." Thesis, Toulouse 3, 2017. http://www.theses.fr/2017TOU30044/document.

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Les caractéristiques structurelles et fonctionnelles du zooplancton du bassin versant de l'Escaut ont été étudiées en relation avec les conditions environnementales présentées dans les cours d'eau. L'Escaut est un fleuve long de plus de 350km répartis entre la France, la Belgique et les Pays-Bas. Son bassin versant draine un territoire soumis à de nombreuses pressions d'origine anthropique industrielle, agricole et domestique. Par conséquent, d'après l'évaluation de la Directive Cadre sur l'Eau, l'état écologique des cours d'eau est jugé plutôt insatisfaisant. Les précédentes études sur le zooplancton de l'Escaut ayant porté principalement sur les tronçons estuariens du fleuve, les communautés zooplanctoniques des cours d'eau de l'amont du bassin versant, dans la zone transfrontalière entre la France et la Belgique étaient jusqu'alors non documentées à notre connaissance. De la source à l'embouchure de l'Escaut, 4 grandes zones fonctionnelles ont pu être identifiées présentant différentes conditions d'habitat pour le zooplancton, définies principalement par le gradient de salinité et l'influence de la marée. A l'échelle de la partie non estuarienne du bassin versant, la variabilité spatiale et temporelle du zooplancton a été explorée, en relation avec les conditions environnementales. La distribution du zooplancton a montré une forte hétérogénéité, induisant une faible prédictibilité dans au regard de l'état écologique (DCE), des conditions environnementales et des profils de contamination des sites (en considérant une gamme de polluants organiques persistants et métaux traces caractéristiques de la zone d'étude). En revanche, un rôle trophique important a pu être mis en évidence, avec une sélectivité trophique de la fraction zooplanctonique 50 -250 µm envers les groupes algaux, en particulier les Chlorophytes, et un broutage suggéré sur les cyanobactéries
Structural and functional characteristics of the Scheldt basin zooplankton have been studied in relation with environmental conditions presented in watercourses. The Scheldt runs for 350 km from Northern France to the Netherlands, crossing Belgium. Its basin drains an area subject to multiple pollutions originating from industrial, agricultural and domestic activities. As a consequence, ecological states of watercourses are unsatisfactory according to the Water Framework Directive (WFD) evaluation. So far, studies on Scheldt zooplankton have focused on estuarine reaches, and the upstream basin's communities were scarcely documented. From source to mouth of the Scheldt, 4 functional zones have been identified presenting different habitat conditions for zooplankton, defined mainly by salinity gradient and tidal influence. At the scale of the non-tidal watershed, spatial and temporal variability of zooplankton communities have been explored, in relation with environmental conditions. Zooplankton distribution showed a strong heterogeneity, inducing little predictability concerning ecological status (WFD), environmental conditions, and contamination patterns of sites (considering a set of persistent organic pollutants and trace metals characteristics of the study area). However, an important trophic role has been highlighted. The zooplankton community between 50-250 µm showed a selective feeding on some algal groups, particularly on chlorophytes, and and the results suggest a grazing activity on cyanobacteria
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Ng, Cheuk-yin Andrew, and 伍卓賢. "On the joint distribution of surplus prior and after ruin." Thesis, The University of Hong Kong (Pokfulam, Hong Kong), 2004. http://hub.hku.hk/bib/B30501179.

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Struyven, Geert J. P. E. "EU accounting harmonisation : an analysis of the development, shaping and impact of the Insurance Accounts Directive in the UK, France and Germany." Thesis, Aberystwyth University, 1995. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.363135.

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Bevan, Nicholas. "On the infringements associated with the United Kingdom's transposition of European Council Directive 2009/103/EC of 1 September 2009 on motor insurance." Thesis, University of Exeter, 2016. http://hdl.handle.net/10871/27591.

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The United Kingdom (UK)’s transposition of the European Directive on motor insurance (the Directive) is shot through with provisions that fall below the minimum standard of compensatory protection for accident victims prescribed under this superior law. These expose third party victims to the risk of being left undercompensated, or recovering nothing at all. The author’s research has demonstrated that the handful of cases that had previously been perceived as isolated anomalies in the UK’s transposition of this European law are in fact symptomatic of a more extensive and deep-rooted nonconformity. His published articles over the past five years were the first to reveal the prevalence of this problem and the resulting lack of legal certainty. He has been the first to offer detailed proposals for reform, as well as fresh insights into legal remedies potentially available to private citizens affected by these irregularities. Sections 2 and 3 of this paper are a summary of the author’s views covered in his various articles and research into the causes and effects of this disparity. They explain that whilst both the UK and European Union’s legislature share a policy objective the different approaches to achieving that end have resulted in different standards of compensatory protection. Section 4 recounts the author’s empirical approach that led him to undertake the first comprehensive comparative law analysis in this field. Section 5 explains the original, if sometimes controversial, nature of the author’s case commentaries, articles and official reports proposing reform. Section 6 sets out the author’s contribution to legal knowledge and practice in this area. This includes his opinion, contrary to long established precedent, that the Directive is capable of having direct effect against the Motor Insurers’ Bureau.
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Oliveira, Diogo Rocha de. "Ratemaking in motor insurance : an application." Master's thesis, Instituto Superior de Economia e Gestão, 2016. http://hdl.handle.net/10400.5/14125.

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Mestrado em Ciências Actuariais
The scope of this work is to calculate an Automobile Tariff for Third Party Liability Coverage and Shock, Collision and Rollover Coverage assuming the basic distributions, Poisson for Claim Frequency and Gamma for Average Cost using Generalized Linear Regression Models. After a brief presentation of the methodology we develop an exploratory analysis of the portfolio both from a frequency and a severity point of view. Using the main conclusions of this exploratory analysis we estimate our models. We use a log link for both frequency and severity, i.e. we define a multiplicative tariff. When modelling the frequency we use a Poisson regression model with over dispersion and we introduce the bonus-malus in force in the company as an offset since the definitions of a new bonus malus system was outside our setup. Once the models are estimated we define a tariff structure and, finally, in the last chapter we analyze the results and take some conclusions.
info:eu-repo/semantics/publishedVersion
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Karásek, Martin. "Aktuální otázky působení pojišťovacích zprostředkovatelů na českém pojistném trhu." Master's thesis, Vysoká škola ekonomická v Praze, 2011. http://www.nusl.cz/ntk/nusl-116230.

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The thesis focuses particularly on the issues of the activites of insurance intermediaries. It identifies problems with the activities of insurance intermediaries and also presents and evaluates options for solving these problems in the context of legislation and market in the Czech Republic.
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Books on the topic "Directive on insurance distribution"

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Marano, Pierpaolo, and Kyriaki Noussia, eds. Insurance Distribution Directive. Cham: Springer International Publishing, 2021. http://dx.doi.org/10.1007/978-3-030-52738-9.

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Industry, Financial Services. Implementing the EC directive on insurance groups. London: Financial Services Authority, 2000.

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Marano, Pierpaolo, and Ioannis Rokas, eds. Distribution of Insurance-Based Investment Products. Cham: Springer International Publishing, 2019. http://dx.doi.org/10.1007/978-3-030-11668-2.

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Badger, Dennis. International physical distribution and cargo insurance. New York: Woodhead-Faulkner, 1993.

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1942-, Mathewson G. Frank, Quigley N. C, and C. D. Howe Institute, eds. Ensuring competition: Bank distribution of insurance products. Toronto: C.D. Howe Institute, 1996.

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(Firm), Pinsent Masons. The Pinsent Masons guide to insurance distribution. London: Kogan Page, 2007.

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Gibson, Michael F. Intro to the home service distribution system. Atlanta, GA: Life Office Management Association, 1999.

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Bennett, Douglas J. The art and science of life insurance distribution. Winsted, CT: ACTEX Publications, Inc., 2014.

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Ottaviani, G. Financial Risk in Insurance. Berlin, Heidelberg: Springer Berlin Heidelberg, 2000.

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Kirwan, John C. Distribution channels in Irish motor insurance: The directs v's the brokers. Dublin: University College Dublin, 1996.

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Book chapters on the topic "Directive on insurance distribution"

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Audigier, Isabelle. "Insurance Distribution Directive and Cross-Border Activities by Insurance Intermediaries in the EU." In AIDA Europe Research Series on Insurance Law and Regulation, 3–30. Cham: Springer International Publishing, 2020. http://dx.doi.org/10.1007/978-3-030-52738-9_1.

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AbstractDespite the European passport granted to insurance intermediaries by the Insurance Mediation Directive (IMD) in 2002, the single market for insurance distribution remained very fragmented. In 2016, in order to promote the emergence of a genuine Single Market in insurance services, the Insurance Distribution Directive (IDD) introduced new rules on cross border insurance distribution and new division of competence between home and host Member State authorities. However, it failed to provide the necessary legal clarity on when an insurance intermediary is likely to be pursuing cross-border activities. This chapter will explore whether the IDD, together with the 2018 Decision of EIOPA’s board of Supervisors, have led or will lead to more market integration. This chapter also briefly analyses the possible impact of ‘Brexit’, that is, the leaving of the EU by the United Kingdom, on cross-border activities of insurance intermediaries.
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Śliwiński, Adam, and Pierpaolo Marano. "Innovation in Life Insurance: The Economic Landscape and the Insurance Distribution Directive." In Financial and Monetary Policy Studies, 165–75. Cham: Springer International Publishing, 2020. http://dx.doi.org/10.1007/978-3-030-49655-5_11.

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Vercher-Moll, Javier. "Insurance Distribution Carried Out by Insurers in Spain." In AIDA Europe Research Series on Insurance Law and Regulation, 179–95. Cham: Springer International Publishing, 2020. http://dx.doi.org/10.1007/978-3-030-52738-9_8.

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AbstractIn this chapter I analyze the impact that Directive 2016/97 has on insurance companies. The new requirements for employees who distribute the insurance policies of the insurance company increase the protection for customers. In addition, these new requirements lead to a reform of the governance system of the insurance company. New policies, new procedure manuals are necessary to carry out the distribution of insurance by the insurance company. Therefore, I will study the new legal requirements and their impact on the Spanish regulations.
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Huneberg, Samantha. "What Can the Insurance Distribution Directive “Offer” the South African Microinsurance Model?" In AIDA Europe Research Series on Insurance Law and Regulation, 219–51. Cham: Springer International Publishing, 2020. http://dx.doi.org/10.1007/978-3-030-52738-9_10.

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AbstractThe Insurance Distribution Directive is set to change how insurers and intermediaries design as well as sell insurance products. The provisions of the Directive are far-reaching and are to have a significant impact on consumers. The Directive is heavily pro-consumer and due to its pro-consumer nature, it is to have extensive benefits for consumers. South Africa has recently enacted microinsurance provisions which are now considered formalised insurance products in the country. New legislation has been enacted to regulate microinsurance policies in both life and non-life spheres. Microinsurance is to have a profound impact on a large part of the country’s population. Considering the pro-consumer and extensive nature of the IDD, it is worth considering what the IDD can “offer” the South African microinsurance model, what can South Africa learn from these provisions?
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Bravo, Jorge Miguel. "IDD and Distribution Risk Management." In AIDA Europe Research Series on Insurance Law and Regulation, 349–69. Cham: Springer International Publishing, 2020. http://dx.doi.org/10.1007/978-3-030-52738-9_14.

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AbstractDistribution is a key aspect of insurers’ business models. Insurance companies use multi-channel and multi touch-point distribution methods to target their customers. Insurers must manage the distribution risk arising from actions of the distribution channel, which have the potential to impact the quality and volume of the insured portfolio, the insurer’s income-generating capacity, long-term financial sustainability and brand value. In this chapter we discuss the implications of the introduction of the Insurance Distribution Directive (IDD) on distribution risk management and on firm’s entire value chain. The expected impact of IDD main provisions (demands and needs analysis, suitability and appropriateness requirements, remuneration and incentive mechanisms, conflicts of interest dispositions, cross-selling, POG, information to customers, CPD) on product development, sales and distribution, underwriting and policy administration, claims, asset and customer management activities are analysed, considering the influence of digitalization on insurance distribution and value chain.
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Kolding-Krøger, Christian Bo, Regitze Aalykke Hansen, and Amelie Brofeldt. "The Reality of the Promised Increase in Customer Protection Under the Insurance Distribution Directive." In AIDA Europe Research Series on Insurance Law and Regulation, 395–439. Cham: Springer International Publishing, 2020. http://dx.doi.org/10.1007/978-3-030-52738-9_16.

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AbstractThis chapter examines whether the rules regarding Insurance Product Information Documents mandated in Article 20 of the Insurance Distribution Directive, have, in reality, resulted in policyholders being able to easily and transparently compare different offers in the pre-contractual phase to determine whether an insurance product is appropriate for the policyholder.The format of the Insurance Product Information Document has been determined following thorough analytical work (such as EIOPA’s Draft Implementing Technical Standards concerning a standardised presentation format for the Insurance Product Information Document of the Insurance Distribution Directive of 7 February 2017, EIOPA-17/056, including the related consumer testing and consultations.). However, there are no guidelines or rules for insurers to follow when completing the Insurance Product Information Document. Based on an examination of selected insurance products from various insurers, this chapter concludes that there is a significant discrepancy between how different insurers complete the Insurance Product Information Documents. Such discrepancy occurs even when the cover offered by the insurers is identical or almost identical. This chapter discusses whether this is expedient and whether there is a need to draw up guidelines or rules on the completion of the Insurance Product Information Document in order to provide instructions to the insurers and to allow customers to make informed comparisons of insurance products.On the whole, this chapter concludes that there is a need for at least guidelines, if not regulation, if the Insurance Product Information Document is to be an effective and useful basis for comparison in the pre-contractual phase.
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De Maesschalck, Nic. "The Insurance Distribution Directive: What Does It Change for Intermediaries and for Others?" In Insurance Regulation in the European Union, 59–77. Cham: Springer International Publishing, 2017. http://dx.doi.org/10.1007/978-3-319-61216-4_4.

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Bożek, Diana Renata. "Redefining Product Management: IDD’s Perspective." In AIDA Europe Research Series on Insurance Law and Regulation, 371–91. Cham: Springer International Publishing, 2020. http://dx.doi.org/10.1007/978-3-030-52738-9_15.

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AbstractSince the Insurance Distribution Directive has been implemented into the national jurisdictions, the product management is no longer subject to the internal regulation of the insurance undertakings nor it can be regulated by the national of European soft law.The purpose of the chapter is to analyze product oversight and governance requirements set out in the Article 25 of the Directive which are further developed in delegated acts. Second issue is the process of defining target market with respect to each product, assessing all the relevant risks for such defined target market and analysis of the adequacy of the intended distribution strategy. Moreover, a formal recognition of the possibility of creating insurance products by the insurance intermediaries and the imposition of the relevant obligations would be considered. The analysis of how the changed approach to the product management influenced the insurance undertakings, intermediaries and the insurance market will be also presented in the chapter.
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Tarasiuk, Anna, and Bartosz Wojno. "The Notion of “Employee” in the IDD: A Harmonized Interpretation Based on the EU Law." In AIDA Europe Research Series on Insurance Law and Regulation, 139–59. Cham: Springer International Publishing, 2020. http://dx.doi.org/10.1007/978-3-030-52738-9_6.

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AbstractThe issue of the interpretation of the concept of an “employee of insurance undertaking”, which was used in the Directive on insurance distribution may cause issues from the point of view of the definition of the “employee” in terms of the type of legal relationship and the scope of activities that are allowed to be performed only by such employees. The authors demonstrate that, in accordance with the previous case law of the European Court of Justice/Court of Justice of the European Union, the concepts contained in EU directives should be interpreted in accordance with EU law, taking into account its autonomy and its aim (harmonization of legal systems of Member States). This should be applied even if a simple translation of a particular term used in an EU directive into the language of a Member State may give rise to an incentive for that term to be interpreted in the context of a local legal system.
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Defever, Kathleen M. "Enaction of Chapter VII of the Insurance Distribution Directive: What Can Member States Learn from the Enforcement Failures of the United States?" In AIDA Europe Research Series on Insurance Law and Regulation, 197–217. Cham: Springer International Publishing, 2020. http://dx.doi.org/10.1007/978-3-030-52738-9_9.

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AbstractChapter VII of the Insurance Distribution Directive delineates the sanctions and other pecuniary measures which the Commission of the European Union now requires as a portion of the minimum harmonization of the Directive. As Member States adopt and apply the articles of Chapter VII, which are unprecedented in their scope and specificity, they may find guidance through a comparison of the enforcement mechanisms already in place in other jurisdictions.The United States is well known as the largest insurance market in the world, and possesses an extensive body of insurance regulation. The National Association of Insurance Commissioners, an advisory organization comprised of the insurance commissioners from each of the 50 U.S. states, drafted the Producer Licensing Model Act—the closest American corollary to the IDD. Unfortunately, despite widespread adoption of the PLMA, the effectiveness of U.S. state enforcement mechanisms on the actions of intermediaries is, overall, weak and inconsistent. We will analyze why this is the case, and offer concrete examples of the failures of specific state enforcement regimes.
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Conference papers on the topic "Directive on insurance distribution"

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Bai, Hongkun, Xuxiang Li, Xiaopeng Yu, Wenfeng Li, Yuanpeng Hua, Jiangbo Wang, Meng Yang, Shuo Yin, and Fangzhao Deng. "Voltage Sag Insurance Mechanism Based on Business Interruption Insurance." In 2018 China International Conference on Electricity Distribution (CICED). IEEE, 2018. http://dx.doi.org/10.1109/ciced.2018.8592320.

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Fichter, Alexander. "INSURANCE DISTRIBUTION IN THE FUTURE." In DOKBAT 2018. Tomas Bata University in Zlín, Faculty of Management and Economics, 2018. http://dx.doi.org/10.7441/dokbat.2018.06.

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Motashko, Tetiana. "BANCASSURANCE IN THE INSURANCE DISTRIBUTION." In Innovation in Science: Global Trends and Regional Aspect. Publishing House “Baltija Publishing”, 2021. http://dx.doi.org/10.30525/978-9934-26-050-6-35.

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Charalampopoulos, C., C. S. Psomopoulos, and G. C. Ioannidis. "Implementing the Ecodesign directive in distribution transformers. first impacts." In MedPower 2014. Institution of Engineering and Technology, 2014. http://dx.doi.org/10.1049/cp.2014.1707.

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Raycheva, Tanya. "INDIVIDUALS ENTITLED TO NON-MATERIAL DAMAGE COMPENSATION - CONSEQUENCES OF IMPLEMENTING DIRECTIVE 2012/29/EU TO THE BULGARIAN INSURANCE BUSINESS." In THE LAW AND THE BUSINESS IN THE CONTEMPORARY SOCIETY 2020. University publishing house "Science and Economics", University of Economics - Varna, 2020. http://dx.doi.org/10.36997/lbcs2020.201.

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The report analyses the obligation for fair insurance compensations under Motor Third Party Liability Insurance and the impact on the insurance business as well as the lack of legislation, which necessitated its replacement by case law. Emphasis is placed on the imperative nature of the interpretative decisions of the Supreme Court and their importance to society.
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Liu, Yan, Qianying Gong, and Guangjun Zai. "Car insurance claims time distribution function and bounds." In 2012 9th International Conference on Service Systems and Service Management (ICSSSM 2012). IEEE, 2012. http://dx.doi.org/10.1109/icsssm.2012.6252288.

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Fumagalli, E., J. W. Black, M. Ilic, and I. Vogelsang. "A reliability insurance scheme for the electricity distribution grid." In Proceedings of Power Engineering Society Summer Meeting. IEEE, 2001. http://dx.doi.org/10.1109/pess.2001.970023.

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Tits, Y. L., and D. Vangulick. "Influence of the measuring instrument directive on the electrical sector." In 18th International Conference and Exhibition on Electricity Distribution (CIRED 2005). IEE, 2005. http://dx.doi.org/10.1049/cp:20051388.

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Gengyin Li, Guanghou Jin, and Ming Zhou. "Quality insurance based electric energy pricing with multi-quality." In 18th International Conference and Exhibition on Electricity Distribution (CIRED 2005). IEE, 2005. http://dx.doi.org/10.1049/cp:20051445.

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Krugerova, Martina. "DIFFICULTIES OF GENERAL DATA PROTECTION REGULATION APPLICATION TO INSURANCE PRODUCTS DISTRIBUTION." In 5th International Multidisciplinary Scientific Conferences on SOCIAL SCIENCES and ARTS SGEM2018. STEF92 Technology, 2018. http://dx.doi.org/10.5593/sgemsocial2018/1.2/s02.068.

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Reports on the topic "Directive on insurance distribution"

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Glied, Sherry, and Kathrine Jack. Macroeconomic Conditions, Health Care Costs, and the Distribution of Health Insurance. Cambridge, MA: National Bureau of Economic Research, October 2003. http://dx.doi.org/10.3386/w10029.

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Pauly, Mark, Bradley Herring, and David Song. Tax Credits, the Distribution of Subsidized Health Insurance Premiums, and the Uninsured. Cambridge, MA: National Bureau of Economic Research, September 2001. http://dx.doi.org/10.3386/w8457.

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