Distribuzione assicurativa nel mercato unico tra vigilanza cross-border e nuove tecniche di tutela degli assicurati.

The Insurance Distribution Directive (IDD) lays down a new harmonized framework for the setting-up, advice on and marketing of insurance products, which updates the pre-existing rules in the effort to strengthen market integration and enhance consumer protection. The Article examines two aspects of the new regulatory framework: on the one hand, it highlights the new provisions aimed at smoothening the relationship among home and host authorities in the area of cross-border intermediation, underlining the enhancement of host authorities’ powers; on the other hand, it addresses innovations in the legislative techniques aimed at strengthening consumer protection in the insurance sector, stressing the convergence of the former with recent developments in the banking sector.