EIOPA AI Opinion: obligations and deadlines

EIOPA Opinion on AI governance and risk management in insurance

Regulator guidanceEIOPA AI Opinion

Summary

It explains how Solvency II and the Insurance Distribution Directive apply to AI. It creates no new obligations, but supervisors will use it to review insurers: data governance, documentation, fairness, explainability, cybersecurity and human oversight.

Who it applies to

Insurers and insurance distributors using AI (outside the AI Act's high-risk cases).

Penalties

The rule has no penalty regime of its own, or it does not apply.

Official name: EIOPA Opinion on Artificial Intelligence governance and risk management (EIOPA-BoS-25-360)
Official reference: EIOPA-BoS-25-360, 6 de agosto de 2025
Regulator: EIOPA; in Spain, the Directorate-General for Insurance and Pension Funds (DGSFP)
Official source: Check the sourceHow we verify sources

Key dates

August 6, 2025Published

Obligations and dates

Obligations table
Obligation	Article or citation	Status	Date	Who it applies to	Verification
Risk-based AI governance in insurance	EIOPA-BoS-25-360	Regulator guidance	Already applicable	Insurers and brokers using AI in pricing, claims, distribution or fraud.	Verified in the official source on October 31, 2026

Risk-based AI governance in insurance

EIOPA-BoS-25-360Regulator guidance

Already applicable

When it relates: Insurers and brokers using AI in pricing, claims, distribution or fraud.
What the rule provides: AI governance policy with owners and per-use-case risk assessment.
System inventory and documentation, fairness and explainability testing matched to customer impact.
Human oversight and model cybersecurity.
Typical evidence: AI policy approved by the board.
Model inventory.
Related base documents: Model Risk Management Policy and Model Inventory
AI Model and Dataset Inventory Policy
Supporting documents: Algorithmic Risk and Bias Mitigation Policy
Model Explainability (XAI) Procedure
Bias Audit Report (Impact Ratio)
Human Oversight Procedure for AI Systems
Verification: Verified in the official source on October 31, 2026Publication checked on EIOPA's official website (source cited in the research).