3rd report on the application of the insurance distribution directive (IDD)

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<title> 3rd report on the application of the insurance distribution directive (IDD)</title>
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<dateIssued>2026</dateIssued>
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<abstract displayLabel="Summary">Third biennial report prepared by EIOPA on the application of the Insurance Distribution Directive (IDD) across EU Member States. The report analyses developments in the insurance distribution market during 20242025 and assesses the impact of the IDD on consumers, insurance distributors and supervisory authorities. It examines regulatory and supervisory challenges related to digitalisation, artificial intelligence, sustainability requirements, remuneration, conflicts of interest and cross-border activities. The document also reviews supervisory convergence, resources and powers of national competent authorities, and identifies areas where further regulatory guidance may be needed</abstract>
<tableOfContents displayLabel="Contents">Executive summary -- Interview with Hedi Mardisoo, co-founder and CEO of Cachet -- Introduction -- Changes in the EU insurance distribution market -- Impact of the regulatory framework -- Impact on the supervisory framework -- Annex I: Changes in the EU insurance distribution market -- Annex II: Options exercised according to Member State</tableOfContents>
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<topic>Legislación comunitaria</topic>
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<topic>Supervisión de seguros</topic>
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<topic>Mercado de seguros</topic>
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