Insurance Europe's position paper on the European Commission's (EC) public consultation on the Digital Fairness Act (DFA) proposal

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<title>Insurance Europe's position paper on the European Commission's (EC) public consultation on the Digital Fairness Act (DFA) proposal
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<dateIssued>2025</dateIssued>
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<abstract displayLabel="Summary">The document argues that the insurance sector is already subject to extensive regulation and that any new rules should only be introduced where genuine regulatory gaps exist. It cautions against overregulation in areas such as gamification, use of personal data, and influencer marketing. The paper defends the use of gamified tools for financial education and telematics-based insurance models that promote safer driving. It emphasizes the importance of risk-based underwriting, which ensures fair pricing and accessibility of insurance products, and warns that restricting this practice could undermine the sector. Regarding influencer marketing, Insurance Europe highlights that existing rules under the Insurance Distribution Directive (IDD) and upcoming Retail Investment Strategy (RIS) already provide sufficient safeguards. The paper calls for the DFA to explicitly recognize the specificities of the insurance sector to avoid legal overlaps and ensure coherence with existing frameworks</abstract>
<tableOfContents displayLabel="Contents">Introduction -- Gamification and scoring systems -- Use of personal data in the context of insurance (risk-based underwriting) -- Influencer marketing</tableOfContents>
<note type="statement of responsibility">Insurance Europe</note>
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<topic>Mercado de seguros</topic>
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