Do I have to take CPD in insurance distribution ?

As intermediary/natural person & effective leader de facto charged with responsibility

To maintain your registration as an intermediary or responsible person (effective leader or person in charge of distribution), you must provide proof of a total of 15 CPD hours per 1-year period with a licensed training organiser.

For ancillary insurance intermediaries, this involves 3 points/hours per year. 

The CPD obligation, and consequently the first one-year period, starts on 1 January of the calendar year following the first registration as an intermediary or the appointment as the relevant responsible person in insurance distribution.

From 1 January 2024, at least 1/3 of the total number of CPD hours must consist of sector-specific CPD hours if you are required to undertake CPD in 2 or more regulated activities. So, as an intermediary or responsible person, you have to obtain at least 5 sector-specific CPD hours per year, as an ancillary insurance intermediary, you have to obtain 1 sector-specific CPD hour. The remaining CPD hours, 10 and 2 respectively, can be filled in as you choose, either general or sector-specific.

If you are only registered in 1 regulated activity, you are allowed to submit unrestricted general and/or sector-specific CPD hours.

In addition, during the first 3 years following your registration, appointment or designation, at least 12 hours of CPD training per year out of the total of 15 must be aimed at acquiring professional knowledge and skills regarding the products or services that are de facto distributed, regardless of your registration in 1 or more regulated activities.

As a PCP - person in contact with the public 

PCPs in insurance distribution should also keep their professional knowledge current and up to date by attending CPD. A total of 15 CPD hours per one-year period is required. There is no individual follow-up of the number of CPD training hours, the employer is responsible for collectively developing and implementing an annually updated global training plan.

Other questions in this category

• What are the knowledge requirements in the context of the European Insurance Distribution Directive (IDD)?
• How to get access to my practice and study material?
• Hpw can I enrol for a retake ?
• Am I subject to the examination obligation in insurance distribution ?
• Where can I find my attestations and certificates?