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Consultation on the Review of the Insurance Block Exemption Regulation

Policy field


Target group

All citizens and organisations are welcome to contribute to this consultation and invited to submit relevant information on the functioning of the Insurance Block Exemption Regulation (IBER), as well as their views on whether the Commission should renew any of the IBER provisions in a new block exemption regulation.

Contributions are particularly sought from (re)insurance undertakings, industry associations, insurance intermediaries, public authorities, consumer organisations and customers, as well as competition practitioners, researchers and think tanks. Comments from other stakeholders who have direct experience with the application of the IBER are also welcome.

Consultation period

From 05.08.2014 until 04.11.2014

Objective of the consultation

The Insurance Block Exemption Regulation (IBER) is a sector-specific legal instrument that allows (re)insurers to benefit from an exemption to the prohibition of anti-competitive arrangements laid down in Article 101 (1) of the Treaty on the Functioning of the European Union (TFEU). At present, the exemption covers two types of agreements between (re)insurance undertakings: a) Agreements with respect to joint compilations, joint tables and studies; and b) Common coverage of certain types of risks Co(re)insurance pools.

The insurance sector is one of three sectors that still benefits from a block exemption regulation, since the concept of the direct applicability of the exemption of Article 101 (3) TFEU was introduced with Council Regulation 1/2003. The IBER expires on 31 March 2017 and the Commission will consider whether any parts of it would merit a renewal. In this regard, the Commission is required to submit a report on the functioning and the future of the IBER to the European Parliament and the Council by March 2016. The Commission is therefore gathering views and market information.

How to submit your contribution

  • You are invited to reply to this public consultation in any official EU language preferably by filling in the online questionnaire here [link]. You can also send your contribution to the functional mailbox indicated in the section "Contact details" or to the postal address indicated in the same section. To facilitate analysis of your replies we would kindly ask you to keep your answers concise and to the point. You may include documents and URLs for relevant online content in your replies. The reply will be published in the language of submission.
  • In your reply, please indicate whether you are replying as citizen, organisation or public authority. If your organisation is registered in the Transparency Register, please indicate your Register ID number. If your organisation is not registered, we invite you to register now, although it is not compulsory to be registered to reply to the consultation. Contributions from organisations not registered will be published under a separate header.
  • Confidential information in your contributions which is clearly marked "confidential" will be treated as such and not published. In that case please also provide a non-confidential version of your reply for publication. Contributions that are clearly marked as "anonymous" will be treated as such and published without personal information. We ask you to provide in this case a version without personal information.
  • Please note that the Commission will not acknowledge receipt on an individual basis for the received contributions and will not give individual feedback to contributors.
  • It is important to read the privacy statement attached to this consultation for information on how your personal data and contribution will be dealt with.

View the consultation document

Questionnaire en
Also available on EU Survey
Press release IP/14/905: Antitrust: Commission consults on the functioning and future of the Insurance Block Exemption Regulation

Reference documents and other, related consultations

Commission Regulation (EU) No 267/2010 of 24 March 2010 on the application of Article 101(3) of the Treaty on the Functioning of the European Union to certain categories of agreements, decisions and concerted practices in the insurance
Official Journal L 83, 30.3.2010, p. 1


Contact details

Responsible service: Directorate-General for Competition, Unit D.2 Antitrust: Financial Services
Please always indicate the reference number in your correspondence: Ref.: HT. 4012 Insurance BER Review
Functional mailbox:

Replies to the consultation

Summary report of the replies en
Public authorities
  • Austria - Bundesministerium für Wissenschaft, Forschung und Wirtschaft de
  • France - autorités françaises fr
  • Germany - Bundesanstalt für Finanzdienstleistungsaufsicht (Federal Financial Supervisory Authority) en
Registered organisations
  • Association of British Insurers en
  • Actuarial Association of Europe en
  • Association française de l'assurance en
  • AIG Europe Limited en
  • Airmic Limited en
  • Allianz SE en
  • ANIA – Italian association of insurance companies en
  • Aviva plc en
  • BIPAR - European Federation of Insurance Intermediaries en
  • Cefor - The Nordic Association of Marine Insurers en
  • Fédération Nationale de la Mutualité Française fr
  • FERMA - Federation of European Risk Management Associations en
  • GDV - Gesamtverband der Deutschen Versicherungswirtschaft de
  • ICISA - International Credit Insurance & Surety Association en
  • Insurance Europe en
  • PKV - Verband der Privaten Krankenversicherung de
  • Zurich Insurance Company Ltd en
Non-registered organisations
  • AMS ré - Autos Motos Manifestations Sportives Réassurance en
  • Assurpol en
  • Austrian Insurance Association en
  • BCAC - Bureau Commun d'Assurances Collectives en
  • DAV - German Actuarial Association en
  • EDF - Electricité de France en
  • FSUG - Financial Services User Group en
  • GAREX - Groupement d'Assurances de Risques Exceptionnels en
  • Institut des Actuaires en
  • Insurance Ireland en
  • IUMI - International Union of Marine Insurance en
  • RIAD - International Association of Legal Protection Insurance en
  • Verband der Versicherungsvereine e.V. de
  • Verband offentlicher Versicherer de
  • Verbond van Verzekeraars en
  • VNAB - Vereniging Nederlandse Assurantie Beurs en
Protection of personal data Privacy statement

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