Sets conduct of business and transparency requirements for the distribution of insurance and reinsurance products across the EU. Applies to insurance intermediaries, insurers conducting direct sales, and ancillary insurance intermediaries.
28
Rules extracted
86
Obligations decomposed
3.1x
Avg obligations per rule
🇪🇺 European Union
Jurisdiction
The Insurance Distribution Directive establishes rules for the distribution of insurance and reinsurance products across the EU. It applies to all persons whose activity consists of providing insurance distribution services, including insurance intermediaries, ancillary insurance intermediaries, and insurance undertakings. The IDD enhances consumer protection through conduct of business rules, product oversight and governance (POG) requirements, and specific provisions for insurance-based investment products (IBIPs). Application from 1 October 2018.
Source
1
Regulation
Extracted
28
Rules
Decomposed
86
Obligations
Decomposition ratio
Each rule is decomposed into an average of 3.1 atomic obligations — the smallest testable units that can be independently violated.
Fully extracted & scored
All 86 obligations have been decomposed, titled, risk-scored, and embedded for semantic matching.
Every obligation in IDD is scored across independent risk dimensions:
Obligation Weight
How critical within the regulatory framework
Violation Likelihood
How often breached in practice
Enforcement Evidence
Regulator enforcement history and penalties
Cascade Dependency
How many obligations depend on this one
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High-level commitments and governance framework covering IDD requirements.
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14 rules, 58 obligations
13 rules, 83 obligations
10 rules, 67 obligations
10 rules, 71 obligations
13 rules, 211 obligations
10 rules, 150 obligations
10 rules, 52 obligations
16 rules, 260 obligations
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