Frameworks
Rules and sources, separated by jurisdiction.
Observe IQ applies the ruleset for the jurisdiction you select, so it is always clear which requirements a finding relates to. Rules are drawn from published requirements and the primary sources listed below.
- UKFCA and ICOBS
- UKConsumer Duty
- UKUK GDPR
- EUIDD
- EUIPID
- EUGDPR
- EUEIOPA
- EUEDPB
- EUEUR-Lex
- ITIVASS
- ITGarante
- UKICO
United Kingdom
FCA, ICOBS, Consumer Duty and UK GDPR requirements for insurance websites, quote journeys and policy documents.
FCA Handbook and ICOBS
Insurance conduct of business rules for distribution and disclosure
Example checks
- Statement of demands and needs on non-advised journeys
- Product information provided in good time before conclusion
- Status disclosure and firm identity on customer-facing pages
- Claims and complaints information availability
Consumer Duty
Consumer understanding and consumer support outcomes
Example checks
- Price and fee presentation before the payment step
- Clear, fair and not misleading product descriptions
- Support and contact routes for existing customers
- Comprehension of key exclusions and limits
UK GDPR and PECR
Privacy information, lawful basis and cookie consent
Example checks
- Privacy information at the point of collection
- Condition for processing special category health data
- Recipients, retention and international transfer statements
- Cookie consent before non-essential cookies are set
Sources monitored for this jurisdiction
FCA Handbook and publications · ICO guidance and enforcement · UK legislation updates
European Union
IDD, IPID, GDPR and the EIOPA, EDPB and EUR-Lex sources that sit behind them.
Insurance Distribution Directive (IDD)
Distribution conduct, disclosure and remuneration transparency
Example checks
- Pre-contract information and distributor identity
- Nature and basis of remuneration disclosure
- Demands and needs assessment evidence
- Cross-selling and bundled product information
Insurance Product Information Document (IPID)
Standardised presentation format for non-life products
Example checks
- Presence and order of the standardised sections
- “What is insured” and “What is not insured” identification
- Two-sided A4 length and readability expectations
- Consistency between the IPID and the policy wording
GDPR
Transparency, lawful basis and data subject information
Example checks
- Articles 13 and 14 information completeness
- Legal basis and special category conditions
- Automated decision-making and profiling notices
- Consent mechanics for marketing and cookies
Sources monitored for this jurisdiction
EIOPA guidelines, consultations and Q&A · EDPB guidelines and opinions · EUR-Lex directives, regulations and consolidated texts
Italy
IVASS requirements, Italian insurance distribution rules and Garante privacy guidance.
IVASS Regolamenti
Distribution, transparency and intermediary obligations
Example checks
- Intermediary register details on customer-facing pages
- Pre-contract disclosure set completeness
- Distance selling information requirements
- Complaints handling information and routes
Codice delle Assicurazioni Private
Italian insurance code requirements applied to digital journeys
Example checks
- Product documentation availability before purchase
- Information on the insurance undertaking and supervision
- Language and clarity expectations for consumer content
Garante privacy guidance
Italian data protection authority expectations
Example checks
- Cookie banner behaviour and consent records
- Informativa completeness and placement
- Health data handling in quote journeys
Sources monitored for this jurisdiction
IVASS regulations and bulletins · Garante per la protezione dei dati personali
Monitored sources
The primary sources Observe IQ watches.
Horizon scanning runs on a schedule and records what was checked, what changed and which of your rules the change affects.
| Source | Jurisdiction | What is monitored |
|---|---|---|
| FCAFinancial Conduct Authority | UK | Handbook changes, policy statements and consultation papers affecting insurance conduct rules. |
| ICOInformation Commissioner's Office | UK | UK GDPR and PECR guidance, including cookie and transparency expectations. |
| EIOPAEuropean Insurance and Occupational Pensions Authority | EU | Guidelines, consultations, supervisory statements and Q&A relevant to insurance distribution. |
| EDPBEuropean Data Protection Board | EU | GDPR guidelines and opinions that change how privacy information is expected to be presented. |
| EUR-LexEUR-Lex | EU | Directives, regulations and consolidated texts, including the IDD and the IPID regulation. |
| IVASSIstituto per la Vigilanza sulle Assicurazioni | IT | Italian insurance regulations, bulletins and distribution requirements. |
| GaranteGarante per la protezione dei dati personali | IT | Italian data protection guidance, decisions and cookie expectations. |
Regulator and authority names are used to describe the rules and public sources Observe IQ works with. They do not imply any endorsement, affiliation or approval.
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Observe IQ is a compliance-support tool. Results should be reviewed by an appropriately qualified person. Observe IQ does not provide legal advice or guarantee regulatory compliance.