General good provisions

​​​​​​​​​​The compilation of examples of key General Good provisions published herein is intended to promote transparency for cross-border activity in accordance to Article 9 of EIOPA Regulation. It lists some of the requirements to be observed by insurance undertakings and/or intermediaries that intend to carry on business in EU/EEA Member State(s). In line with Article 11(3) of the Insurance Distribution Directive (IDD), this page categorises national 'general good' provisions into different relevant areas of law and includes the hyperlinks to the websites of the competent authorities where information on 'general good' rules is published.

In accordance with Article 11(5) of the IDD, EIOPA published a Report analysing national General Good rules in the context of the proper functioning of the IDD and the internal market on 22 July 2019.

The report provides both a factual description of the types of rules which are published on the websites of the competent authorities and are applicable to insurance distribution activities, and a general assessment, facilitating the checking of main areas of divergence and impact of the general good provisions on the proper functioning of the IDD and the internal market more broadly.

As a follow-up to the publication of the Report, EIOPA invites all interested stakeholders to fill in an online survey on the Report by 22 September 2019. Click here for further information on the online survey.

General good provisions by category for intermediaries and undertakings (pdf file)

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1​Intermediaries
2Undertakings

Hyperlinks to the websites of the competent authorities where information on 'general good' rules is published

​Country​Actor​Language
Austria (for occupational pension schemes) ​Financial Market Authority (FMA) ​English
​Austria (for intermediaries)Federal Ministry for Digital and Economic Affairs​German​
​Austria (for undertakings)​Financial Market Authority (FMA) ​English
Belgium (for intermediaries)​Financial Services and Markets Authority (FSMA) ​English
Belgium (for undertakings)​National Bank of Belgium (NBB) ​English
Bulgaria (for undertakings and intermediaries)​Financial Supervision Commission (FSC) English
Croatia (for undertakings and intermediaries)​Croatian Financial Services Supervisory Agency (HANFA) English
Cyprus (for undertakings and intermediaries)​Ministry of Finance, Insurance Companies Control Service (ICCS) ​English
Czechia (for undertakings and intermediaries)​Czech National Bank (CNB)​English
Denmark (for undertakings and intermediaries)​Finanstilsynet (Danish FSA) English
Estonia (for intermediaries)​Finantsinspektsioon Financial Supervision Authority (EFSA) ​English
Estonia (for undertakings)​Finantsinspektsioon Financial Supervision Authority (EFSA) ​English
​Finland (for intermediaries)​Finanssivalvonta Financial Supervisory Authority (FIN-FSA) English
​Finland (for undertakings)​Finanssivalvonta Financial Supervisory Authority (FIN-FSA)English
France (for intermediaries)​Autorité de contrôle prudentiel et de resolution ​English
France (for intermediaries)​Autorité de contrôle prudentiel et de resolution​French
Germany (for undertakings and intermediaries)​Federal Financial Supervisory Authority (BaFin) ​German
Greece (for undertakings and intermediaries)​Bank of Greece​English
Hungary (for undertakings and intermediaries)​Magyar Nemzeti Bank (MNB)​English
Iceland (for undertakings and intermediaries)​Financial Supervisory Authority (FME) ​English
Ireland​Health Insurance Authority (HIA) ​English
Ireland (for undertakings and intermediaries)​Central Bank of Ireland ​English
Italy (for undertakings and intermediaries)​Istituto per la Vigilanza sulle Assicurazioni (IVASS) ​English
Latvia (for undertakings and intermediaries)​Financial and Capital Market Commission (FCMC) ​English

​​Liechtenstein (for intermediaries)

Financial Market Authority (FMA)​German
Liechtenstein (for intermediaries)​Financial Market Authority (FMA) ​English
Liechtenstein (for undertakings)​Financial Market Authority (FMA) English​

Lithuania (for undertakings)

​Bank of Lithuania​English

Lithuania (for intermediaries)

​Bank of Lithuania​English
Luxembourg (for undertakings and intermediaries)​Commissariat aux Assurances ​French
Malta (for undertakings & intermediaries)​Financial Services Authority (MFSA) ​English
Netherlands (for undertakings and intermediaries)​De Nederlandsche Bank (DNB) ​English
Norway (for intermediaries)​Finanstilsynet Financial Supervisory Authority (FSA) ​English
​Norway (for pension funds )​Finanstilsynet Financial Supervisory Authority (FSA) ​English
Norway (for insurance companies)​​Finanstilsynet Financial Supervisory Authority (FSA) ​​English
Poland (for undertakings and intermediaries)​Financial Supervision Authority (KNF) ​Polish
Poland (for undertakings and intermediaries)
​Financial Supervision Authority (KNF)
​English
Portugal (for intermediaries)

Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF)

​Portuguese
Portugal (for intermediaries)

​Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF)

​English
Portugal (for undertakings)

​Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF)

​Portuguese
Portugal (for undertakings)

Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF)

Freedom to Provide Services
​Portuguese
Portugal (for undertakings)

​Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF)

​English
Portugal (for undertakings)

Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF)

Freedom to Provide Services
​English
Portugal (for undertakings)

Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF)

Freedom of Establishment
​English
Romania

​Financial Supervision Authority (ASF)

​English
Slovakia (for undertakings and intermediaries)​National Bank of Slovakia ​English
Slovakia (for undertakings and intermediaries)​National Bank of Slovakia​Slovak
Slovenia (for undertakings)​Insurance Supervision Agency (AZN) ​English
Spain (for intermediaries)

Dirección General de Seguros y Fondos de Pensiones

​English
Spain (for undertakings)

Dirección General de Seguros y Fondos de Pensiones

​Spanish
Sweden (for undertakings and intermediaries)​Finansinspektionen, Financial Supervisory Authority ​English
United Kingdom (for undertakings and intermediaries)​Financial Conduct Authority (FCA) English​