Suzbijanje nepoštene prodaje proizvoda osiguranja prema Direktivi o distribuciji osiguranja

Abstract

One of the main reasons for the occurrence of the financial crisis in 2007 was certainly the sales procedure of insurance products, which, as it later turned out, were inadequate. The crisis was a signal to the European Commission that it is necessary to improve the consumer protection regarding insurance products and to improve the transparency of insurance distribution. It was necessary to provide equal protection to consumers of insurance products in the entire EU market, through the introduction of several innovations in the regulation of this sector and thus restore the confidence of consumers. In that sense, the Insurance Distribution Directive has set the suppression of unfair sales of insurance products as its most important goal. The author researched those key novelties of the Insurance Distribution Directive, which were adopted in order to prevent unfair sales of insurance products. The paper presents an analysis of new rules and aims to show how revolutionary new regulatory framework is and how much it will contribute to the fight against unfair sales of insurance products