Dystrybucja ubezpieczeń

Słowniczek

Jest to termin wprowadzony ustawą z 2017 r. o dystrybucji ubezpieczeń. Polega ona na doradzaniu, proponowaniu lub wykonywaniu czynności przygotowawczych zmierzających do zawarcia umów ubezpieczenia, zawieraniu umów ubezpieczenia, udzielaniu pomocy przez pośrednika ubezpieczeniowego w administrowaniu umowami ubezpieczenia.

Dystrybucja ubezpieczeń polega również na udzielaniu informacji za pośrednictwem stron internetowych lub innych mediów oraz opracowywaniu rankingu produktów ubezpieczeniowych obejmującego porównanie cen i produktów lub składek z tytułu umowy ubezpieczenia (sprzedaż ubezpieczeń przez Internet, porównywarki ubezpieczeniowe).

Dystrybutorami ubezpieczeń są przede wszystkim pośrednicy ubezpieczeniowi, tj. agenci i brokerzy. Zakład ubezpieczeń jest dystrybutorem ubezpieczeń w przypadku, gdy zawiera umowę bezpośrednio, czyli bez udziału takiego pośrednika.

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