Doceo et Praecipio   ( Inform and Advise ) 

Insurance Broker / Versicherungsmakler


Thank you for visiting our website  -  Danke für Ihren Besuch auf unserer Webseite


The Insurance Distribution Directive (IDD) was implemented on 1 st October 2018.

Insurance Product Information Document – IPID

The Insurance Distribution Directive, or IDD, is new EU legislation which has been designed to ensure that customers have a greater understanding of not only the insurance they are purchasing but also who they are purchasing from to enable them to make informed decisions.

 This legislation requires both insurers and intermediaries to review their current practices and implement new processes to ensure they remain compliant. For insurers some of the key requirements are the production of Insurance Product Information Documents (IPIDs) which replaces the Key Facts document. This should be used by intermediaries to help explain the core cover elements of a product to their customers, both at the initial sale and renewal of the contract.

An IPID is a simple summary of the products benefits, terms and key exclusions. The template designed by the European Insurance and Occupational Pension Authority (EIOPA) to be consistent across insurance providers, is provided to enable customers to easily compare products from different providers and enables them to make an informed decision. 

Spectrum will provide IPIDs with every quotation and renewal as required.  This will mean more paperwork - sorry - but it is a legal requirement which should be complied with by all insurers, intermediaries and Brokers. 

Spectrum is an Independent Insurance Brokerage.   Spectrum ist ein unabhängiger Versicherungsmakler. 

We are not tied to any insurance company.   Wir sind nicht an eine Versicherungsgesellschaft gebunden. 

All our information and advice is free.   Alle unsere Informationen und Beratungen sind kostenlos.

 This website focuses on legally required and recommended insurances in Germany.     

Diese Website konzentriert sich auf gesetzlich vorgeschriebene und empfohlene Versicherungen in Deutschland.

We hope the information and advice we provide here will be useful for you.

Wir hoffen, dass die Informationen und Beratungen, die wir hier zur Verfügung stellen, für Sie nützlich sein werden.  

 We are also always available to answer your calls or respond to your messages personally.

Wir sind auch immer verfügbar, um Ihre Anrufe zu entgegen zu nehmen oder auf Ihre E-Mails persönlich zu antworten.