Distribution & solvency
Rules for insurance distribution and the financial strength of insurers.
Transposed into ↓
National law · ATGewO (intermediaries) + VAG 2016Insurance / distribution actName not yet checkedRegulations
How EU insurance law fits together, country by country
EU regulations apply directly everywhere. Directives are written into national law by each member state. Pick a country to see its insurance act, motor liability law and supervisor.
Compiled by: Desislava Tsvetkova, Boleron EU
Key findings · 27 EU member states · MTPL, CASCO & travel
- 1 / 27Client signature requiredOnly Bulgaria. Everywhere else, payment = consent.
- 1 / 27Paper MTPL policyOnly Bulgaria (with hologram sticker).
- 27 / 27Digital policy acceptedPDF policy valid in every member state.
- 27 / 27IPID + T&Cs requiredIDD Art.20, before every policy.
- 27 / 27Needs assessmentMandatory; advice only on request.
- 0 / 27Paper travel policyInstant PDF is valid everywhere.
27 member states
SelectedAustria
SelectedEU member stateOutside the EU
Legal structure
How EU law becomes Austria’s law
EU regulations apply directly. Each directive is written into a national law, and a national authority supervises.
EU regulations
Directly applicable in all 27 member states · over every law belowEU directives→ written into a national act
National law · ATGewO (intermediaries) + VAG 2016Insurance / distribution actName not yet checkedMotor liability
Compulsory motor insurance and compensation for road traffic.
Transposed into ↓
National law · ATKHVG 1994MTPL lawName not yet checkedDistance selling
Consumer protection for online and distance contracts.
Not yet transposed
National law · ATUnknown — applies from 19.06.2026 by direct effectCheck the national measures list on EUR-Lex.Transposition pendingSupervisionEU coordinates, Austria licenses
EU levelEIOPASets EU guidelines and coordinates national supervisors; does not supervise insurers directly
National · home-state supervisorFMALicenses and supervises insurers and brokers day to dayOnline sales rules — Austria
Documents, signatures and acceptance when buying MTPL, CASCO or travel insurance onlineClient signatureNo — payment = consent
Paper policy (MTPL)No — PDF policy is valid
T&Cs acceptanceCheckbox online (IDD + eIDAS)
LanguageNo specific language requirement
DocumentsPolicy PDF by email; VVO database
No difference from the EU standard.
EU texts and national laws link to EUR-Lex (national laws: official list of transposition measures). National law names are still being checked. ★★★ = confirmed by law text or regulator, ★★ = cross-referenced.
Withdrawal right · DSD 2023/2673
Withdrawal right & withdrawal button
New EU distance-selling rules for financial services. They apply in all 27 member states, even where national transposition is missing.
In force since19 June 2026Direct effect
Replaces 2002/65/EC
Read Directive 2023/2673 on EUR-LexReplaces 2002/65/EC
What insurers and brokers must offer
- 14-day right of withdrawalfor all insurance bought at a distance
- Online withdrawal buttonas easy to use as buying
- Confirmation by emailright after the client withdraws
- Refund within 30 daysminus cover already provided
- MTPL warning requiredwithdrawing leaves the vehicle uninsured
- Travel under 1 month exemptannual travel policies: 14 days apply
Transposition status · May 2026
Transposed
Missed deadline
In consultation
Unknown23 others · direct effect
Regulator confirmations
Confirmed by 9 national supervisors
Direct confirmations from EU national supervisory authorities, April–May 2026. Click a card to see that country on the map.
Methodology
Methodology & legal basis
How this research was compiled and how confident we are in each data point.
EU legal framework
- IDD · Dir. 2016/97/EUIPID, T&Cs and needs assessment before every policy
- eIDAS · Reg. 910/2014Electronic signatures; checkbox acceptance is valid
- Consumer Rights Directive · 2011/83/EUDistance contracts: payment = valid consent
- DSD · Dir. 2023/2673/EUWithdrawal right and button, from 19.06.2026
- Motor Insurance Directive · 2009/103/ECMTPL cover rules and Green Card
- Schengen Visa Code · Reg. 810/2009Travel insurance for visas: min. €30,000 medical cover
Confidence levels
- Confirmed via law text, national regulator, official insurer/broker FAQ, or Boleron practice.
- Confirmed via official insurer website or cross-referenced sources.
- Inferred; verify before relying on it.
National law sources
- BGInsurance Code (ICA), ZEDEAU (eSign Act)
- ROCivil Code Art.1166, ASF Norm 20/2017
- PLCivil Code Art.809, Insurance Activity Act Art.43
- CZCivil Code §2758 (89/2012), Insurance Distribution Act 170/2018
- AllNational regulator websites and official insurer FAQs
Research by Boleron.eu · published April 2026 · last updated September 30, 2026. Boleron is a licensed EU insurance broker supervised by Bulgaria’s FSC and passported across all 27 member states.