The Insurance Distribution Directive (IDD) is an EU framework governing how insurance products are designed, distributed, and sold, with a strong focus on customer protection and product oversight. It imposes requirements around distributor competence, conflicts of interest, remuneration transparency, and suitability or demands‑and‑needs assessments. For insurers and intermediaries, the IDD drives more formalised product governance, documentation, and training, as well as closer alignment between manufacturers and distributors to ensure products reach the right target market.
