The European Union (Insurance Distribution) Regulations 2018 (“IDR”) imposes obligations on brokers and insurers in respect of product governance and oversight. Product oversight and governance rules apply to all newly developed insurance products and to existing products where significant changes have been made to the product. This applies to all insurance products except to
“large risks”.

Product oversight and governance measures should be chosen and applied in a proportionate and appropriate manner, depending on the complexity of the product.

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