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Insurance Comparative Guide

1 Legal framework

1.1 Which legislative and regulatory provisions govern the insurance sector in your jurisdiction?


The Italian insurance field is primarily regulated by:

  • Articles 1882–1932 of the Italian Civil Code;
  • Legislative Decree 209 of 7 September 2005 (the Code of Private Insurance Companies); and
  • the regulations of the Italian Insurance Supervisory Authority (IVASS).


1.2 Which bilateral and multilateral instruments on insurance have effect in your jurisdiction?


At an international level, the insurance field is regulated by various multilateral instruments. They include:

  • Directive 2016/97/EU on insurance distribution, which is aimed at harmonising national provisions concerning insurance and reinsurance distribution;
  • the Solvency II Directive (2009/138/EC), which harmonised the prudential framework for insurance companies; and
  • Directive 2009/103/EC on motor insurance.


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