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ARTICLE · 17 JUNE 2025

EIOPA Clarifies Scope Of IDD For Comparison Sites

William Fry LLP
William Fry LLP
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In March 2025, EIOPA provided clarification in Q&A 3168 (see here) regarding the regulatory treatment of insurance comparison websites under the Insurance Distribution Directive (IDD).

IrelandInsurance
Eoin Caulfield
Eoin Caulfield
Ian Murray
Ian Murray
Niall Campbell
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In March 2025, EIOPA provided clarification in Q&A 3168 (see here) regarding the regulatory treatment of insurance comparison websites under the Insurance Distribution Directive (IDD).

This guidance is particularly relevant for insurers and intermediaries leveraging digital platforms to distribute products.

The regulatory uncertainty lies in whether such websites, by facilitating access to insurance products, are engaging in "insurance distribution" as defined in Article 2(1)(1) of the IDD. The questioner sought clarity on a specific aspect of the "insurance distribution" definition, namely:

"the provision of information concerning one or more insurance contracts in accordance with criteria selected by customers through a website or other media, the compilation of an insurance product ranking list, including price and product comparison, or a discount on the price of an insurance contract, when the customer is able to directly or indirectly conclude

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