Article 18

Member States shall ensure that: in good time before the conclusion of an insurance contract, an insurance intermediary makes the following disclosures to customers: its identity and address and that it is an insurance intermediary; whether it provides advice about the insurance products sold; the procedures referred to in Article 14 enabling customers and other interested parties to register complaints about insurance intermediaries and about the out-of-court complaint and redress procedures referred to in Article 15; the register in which it has been included and the means for verifying that it has been registered; and whether the intermediary is representing the customer or is acting for and on behalf of the insurance undertaking; in good time before the conclusion of an insurance contract, an insurance undertaking makes the following disclosures to customers: its identity and address and that it is an insurance undertaking; whether it provides advice about the insurance products sold; the procedures referred to in Article 14 enabling customers and other interested parties to register complaints about insurance undertakings and about the out-of-court complaint and redress procedures referred to in Article 15.

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Source: EUR-Lex (Cellar) · retrieved 2026-10-28 · Text as adopted (Official Journal); later amendments are not incorporated in this text.