Consultation outcome

Transposition of the Insurance Distribution Directive

This consultation has concluded

Download the full outcome

Detail of outcome

The government is grateful for all the responses received. The Insurance Distribution (Regulated Activities and Miscellaneous Amendments) Order 2018 is now in force and its requirements apply to firms from 01 October 2018.

Further information about the Insurance Distribution Directive is available on the FCA website.

Original consultation


Seeking views on the government’s proposals for implementing the Insurance Distribution Directive (2016/97/EU).

This consultation ran from

Consultation description

The Insurance Distribution Directive (IDD) entered into force on 23 February 2016, and must be transposed into national law by 23 February 2018. On 23 June, the EU referendum took place and the people of the United Kingdom voted to leave the European Union. Until exit negotiations are concluded, the UK remains a full member of the European Union and all the rights and obligations of EU membership remain in force. During this period the Government will continue to negotiate, implement and apply EU legislation. The outcome of these negotiations will determine what arrangements apply in relation to EU legislation in future once the UK has left the EU. In line with this policy the government intends to transpose and implement IDD to schedule.

IDD replaces the Insurance Mediation Directive (IMD) which introduced specific minimum standards for the mediation of insurance contracts (principally brokering). IDD extends these minimum standards to cover the direct sale of insurance products by insurers, as well as seeking to more broadly improve consumer protection.

This consultation document sets out the government’s intended approach to transposing IDD into UK law, and views are invited on these proposals. As IDD is a minimum harmonising directive the government has the option of introducing additional provisions or bringing additional activities into the scope of regulation as appropriate for the UK market. Where the government has done this previously, this consultation invites comment from respondents on the appropriateness of continuing to do so.

The government also invites comments on proposed legislative changes to implement IDD and give effect to the government’s proposals.


Published 27 February 2017
Last updated 30 May 2018 + show all updates
  1. Updated outcome with link to the Insurance Distribution Order 2018 which is now in force

  2. Updated outcome summary with details regarding the transposition of the Insurance Distribution Directive

  3. Updated with the response to the consultation and draft Statutory Instrument

  4. First published.