Digitalisation of Insurance Contract Law: Preliminary Thoughts with Special Regard to Insurer’s Duty to Advise

  • Piotr TereszkiewiczEmail author
Part of the AIDA Europe Research Series on Insurance Law and Regulation book series (ERSILR, volume 1)


This contribution discusses the way in which recent technological developments affect insurance contract law, in particular the insurer-policyholder relationship. The first part discusses instances of market innovation in the insurance sector and legislative reforms of insurance contract law that occurred in recent decades. The second part uses a specific example of the insurer’s duty to advise the policyholder as an illustration of how insurance law regulation embraced digital transactions.


Duty to advice InsurTech Insurance Distribution Directive 


  1. Armbrüster C (2008) Das Versicherungsrecht im Common Frame of Reference. Zeitschrift für europäisches Privatrecht 16:775–812Google Scholar
  2. Basedow J (2015) Entwicklungen des Versicherungsvertragsrechts in Europa. In: Schnyder AK (ed) Versicherungsvertragsgesetz: Rückblick und Zukunftsperspektiven. Helbing Lichtenhahn, Basel, pp 37–50Google Scholar
  3. Basedow J, Birds J, Clarke M, Cousy H, Heiss H, Loacker LD (eds) (2015) Principles of European insurance contract law, 2nd edn. Otto Schmidt, KölnGoogle Scholar
  4. Batallier Grau JB (2014) The harmonization of European contract law: the case of insurance contracts. Conn Insur Law J 21:149–172Google Scholar
  5. Brownsword R (2018) The E-Commerce directive and digital single market. In: Grundmann S (ed) European contract law in the digital age. Intersentia, Cambridge, pp 165–203CrossRefGoogle Scholar
  6. Bruns A (2015) Privatversicherungsrecht. C.H. Beck, MünchenGoogle Scholar
  7. Capgemini. World Insurance Report 2017. Available at
  8. Clarke M (1997) Policies and perceptions of insurance. Clarendon Press, OxfordGoogle Scholar
  9. Cousy H (2008) Les règles de conduit et le droit des assurances. In: Synthèses de droit bancaire et financier. Liber amicorum André Bruyneel. Bruylant, Brussels, pp 495–508Google Scholar
  10. Cousy H (2009) Le sectur des assurances sera-t-il “mifidise” ? Bulletin des Assurances:245–253Google Scholar
  11. Deutsches Institute für Service-Qualität (2015) Studie Kfz-Versicherungsportale, January 2015. Accessed 19 Nov 2018
  12. Ebers M (2008) Kommentar zu § 6. In: Schwintowski H-P, Brömmelmeyer C (eds) Praxiskommentar zum Versicherungsvertragsrecht. Lexis Nexis Deutschland, MünsterGoogle Scholar
  13. European Commission (2016) Study on the role of digitalisation and innovation in creating a true single market for retail financial services and insurance.
  14. European Insurance and Occupational Pensions Authority (EIOPA 2014) Report on Good Practices on Comparison Websites, EIOPA-CCPFI-13/100 of 30 January 2014Google Scholar
  15. European Insurance and Occupational Pensions Authority (EIOPA 2015) Opinion on sales via the Internet of insurance and pension products, EIOPA-BoS-14/198 28 January 2015Google Scholar
  16. European Insurance and Occupational Pensions Authority (EIOPA 2017a) EIOPA-BoS/17-165. Roundtable: How technology and data are reshaping the insurance landscape. Accessed 19 Nov 2018
  17. European Insurance and Occupational Pensions Authority (EIOPA 2017b) Final Report on Guidelines under the Insurance Distribution Directive on Insurance based investment products that incorporate a structure which makes it difficult for the customer to understand the risks involved, EIOPA_BoS_17/204 11 October 2017Google Scholar
  18. Feinman JM (2009) The insurance relationship as relational contract and the “Fairly Debatable” rule for first-party bad faith. San Diego Law Rev 46:553–571Google Scholar
  19. Feinman JM (2015) The restatement of the law of liability insurance as a restatement: an introduction to the issue. Rutgers Univ Law Rev 68:1–32Google Scholar
  20. Fontaine M (2011) An academic view. In: Heiss H, Lakhan M (eds) Principles of European insurance contract law: a model optional instrument. Sellier, München, pp 29–44Google Scholar
  21. Heiss H (ed) (2012) Insurance contract law between business law and consumer protection. Dikke, ZurichGoogle Scholar
  22. Heiss H (2015) Introduction. In: Basedow J, Birds J, Clarke M, Cousy H, Heiss H, Loacker LD (eds) Principles of European insurance contract law, 2nd edn. Otto Schmidt, KölnGoogle Scholar
  23. Helveston M (2016) Consumer protection in the age of big data. Wash Univ Law Rev 93:859–917Google Scholar
  24. Kim NS (2014) Situational duress and the aberrance of electronic contracts. Chicago-Kent Law Rev 89:265–288Google Scholar
  25. Langer D, Rosenow J (2006) Konsumentenschutz bei der Vermittlung von Versicherungsverträgen in der Schweiz und in Europa. In: Liber Amicorum Bernd Stauder. Schultess, Bern, pp 195–226Google Scholar
  26. Loacker LD (2015) Informed insurance choice? The insurer’s pre-contractual information duties in general consumer insurance. Edward Elgar, CheltenhamGoogle Scholar
  27. Maxwell WJ, Bourreau M (2015) Technology neutrality in internet, telecoms and data protection regulation. Comp Telecommun Law Rev 1:1–4Google Scholar
  28. Moloney N (2008) EC securities regulation. Oxford University Press, OxfordGoogle Scholar
  29. Pohlmann P (2015) Kommentar zu § 6. In: Looschelders D, Pohlmann P (eds) VVG-Kommentar. Carl Heymann Verlag, KölnGoogle Scholar
  30. Tereszkiewicz P (2013) The Europeanisation of insurance contract law: the insurer’s duty to advise and its regulation in German and European law. In: Devenney J, Kenny M (eds) The transformation of European private law. Cambridge University Press, Cambridge, pp 235–255CrossRefGoogle Scholar
  31. Wandt M (2016) Versicherungsrecht, 6th edn. Vahlen, MünchenGoogle Scholar

Copyright information

© Springer Nature Switzerland AG 2020

Authors and Affiliations

  1. 1.Private Law DepartmentJagiellonian University in CracowKrakówPoland

Personalised recommendations