The Insurance Distribution Directive (IDD) aims to regulate insurance distribution in the EU regardless of distribution channels and means. Although new technologies affect insurance distribution, the IDD does not explicitly regulate this digital transformation. Insurers and intermediaries must comply with detailed business conduct rules that aim to counteract distribution risks. However, the IDD exempts ancillary insurance intermediaries from its scope when they meet certain conditions. The article highlights the regulatory framework on insurance, requiring insurers and intermediaries to address distribution risks, and analyses how this exemption affects the management of distribution risks in online distribution from a legal perspective. The focus on online distribution depends on the scale such distribution can achieve. The consideration of the scale allows for challenging the political choice behind the exemption of ancillary insurance intermediaries, which consists of the principle of proportionality. A regulatory proposal to counteract these adverse effects is to remove the exemption from the IDD rules for ancillary intermediaries in online distribution. Such a proposal is compliant with the principle of technological neutrality and is in line with the new legislative proposals in the Digital Services Act and Digital Markets Act.

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分销风险管理与保险分销数字化转型——IDD的监管缺口

保险分销指令 (IDD) 旨在规范欧盟的保险分销，无论分销渠道和方式如何。尽管新技术会影响保险分销，但 IDD 并未明确规范这种数字化转型。保险公司和中介机构必须遵守旨在抵消分销风险的详细商业行为规则。但是，IDD 将符合某些条件的附属保险中介机构排除在其范围之外。文章重点介绍了保险监管框架，要求保险公司和中介机构应对分销风险，并从法律角度分析该豁免如何影响在线分销中的分销风险管理。对在线分销的关注取决于此类分销可以达到的规模。对规模的考虑允许挑战辅助保险中介豁免背后的政治选择，其中包括比例原则。抵消这些不利影响的监管建议是取消对在线分销中的辅助中介机构的 IDD 规则的豁免。此类提案符合技术中立原则，符合《数字服务法》和《数字市场法》中的新立法提案。