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Directive (EU) 2016/97 of the European Parliament and of the CouncilShow full title

Directive (EU) 2016/97 of the European Parliament and of the Council of 20 January 2016 on insurance distribution (recast) (Text with EEA relevance)

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  1. Introductory Text

  2. CHAPTER I SCOPE AND DEFINITIONS

    1. Article 1.Scope

    2. Article 2.Definitions

  3. CHAPTER II REGISTRATION REQUIREMENTS

    1. Article 3.Registration

  4. CHAPTER III FREEDOM TO PROVIDE SERVICES AND FREEDOM OF ESTABLISHMENT

    1. Article 4.Exercise of the freedom to provide services

    2. Article 5.Breach of obligations when exercising the freedom to provide services

    3. Article 6.Exercise of the freedom of establishment

    4. Article 7.Division of competence between home and host Member States

    5. Article 8.Breach of obligations when exercising the freedom of establishment

    6. Article 9.Powers in relation to national provisions adopted in the interest of the general good

  5. CHAPTER IV ORGANISATIONAL REQUIREMENTS

    1. Article 10.Professional and organisational requirements

    2. Article 11.Publication of ‘general good’ rules

    3. Article 12.Competent authorities

    4. Article 13.Cooperation and exchange of information between the competent authorities of Member States

    5. Article 14.Complaints

    6. Article 15.Out-of-court redress

    7. Article 16.Restriction on use of intermediaries

  6. CHAPTER V INFORMATION REQUIREMENTS AND CONDUCT OF BUSINESS RULES

    1. Article 17.General principle

    2. Article 18.General information provided by the insurance intermediary or insurance undertaking

    3. Article 19.Conflicts of interest and transparency

    4. Article 20.Advice, and standards for sales where no advice is given

    5. Article 21.Information provided by ancillary insurance intermediaries

    6. Article 22.Information exemptions and flexibility clause

    7. Article 23.Information conditions

    8. Article 24.Cross-selling

    9. Article 25.Product oversight and governance requirements

  7. CHAPTER VI ADDITIONAL REQUIREMENTS IN RELATION TO INSURANCE-BASED INVESTMENT PRODUCTS

    1. Article 26.Scope of additional requirements

    2. Article 27.Prevention of conflicts of interest

    3. Article 28.Conflicts of interest

    4. Article 29.Information to customers

    5. Article 30.Assessment of suitability and appropriateness and reporting to customers

  8. CHAPTER VII SANCTIONS AND OTHER MEASURES

    1. Article 31.Administrative sanctions and other measures

    2. Article 32.Publication of sanctions and other measures

    3. Article 33.Breaches, and sanctions and other measures

    4. Article 34.Effective application of sanctions and other measures

    5. Article 35.Reporting of breaches

    6. Article 36.Submitting information to EIOPA in relation to sanctions and other measures

  9. CHAPTER VIII FINAL PROVISIONS

    1. Article 37.Data protection

    2. Article 38.Delegated acts

    3. Article 39.Exercise of the delegation

    4. Article 40.Transitional period

    5. Article 41.Review and evaluation

    6. Article 42.Transposition

    7. Article 43.Amendment of Directive 2002/92/EC

    8. Article 44.Repeal

    9. Article 45.Entry into force

    10. Article 46.Addressees

  10. Signature

    1. ANNEX I

      MINIMUM PROFESSIONAL KNOWLEDGE AND COMPETENCE REQUIREMENTS

      1. Non-life risks classified under classes 1 to 18 in Part...

    2. ANNEX II

      1. PART A Repealed Directive with list of its successive amendments

      2. PART B Time limits for transposition into national law referred to in Article 44

    3. ANNEX III

      Correlation table

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