Insurance Europe set out its position on the European Commission’s Digital Omnibus package, focusing on adjustments to EU digital rules aimed at trimming regulatory drag across the sector. The group points to targeted revisions rather than broad rewrites, arguing this approach cuts duplication without adding fresh compliance layers.
European insurers are currently navigating a growing patchwork of digital regulations covering areas such as artificial intelligence, data protection and cybersecurity.
According to Beinsure, insurers across the bloc deal with overlapping digital obligations that stack up fast, especially where frameworks intersect without clear boundaries. Insurance Europe frames the Omnibus package as a chance to clean up those overlaps, tighten definitions, and reduce friction in day-to-day operations.
The organisation calls for alignment across existing rules so firms don’t run parallel compliance processes for similar requirements, which drains resources and slows execution.
We think the industry isn’t asking for lighter oversight, it’s pushing for consistency where rules already exist but don’t quite match up.
While these rules aim to strengthen trust and resilience, their interaction can create overlap and administrative burden in practice.
Simplifying and aligning these frameworks would allow insurers to focus more resources on innovation and better services for consumers.
We support the Commission’s objective of reducing unnecessary regulatory complexity and improving the usability and coherence of the EU’s digital framework.
In our position paper, we highlight several areas where clarification and alignment would make the rules easier to apply in practice, including the interaction between the AI Act and EU legislation, improvements to data protection rules that provide greater legal certainty, and simplification of cybersecurity reporting requirements.
These improvements would help insurers continue investing in secure digital technologies, including AI and advanced data tools, while maintaining strong safeguards for consumers and supporting Europe’s digital transition.
Insurance Europe also flags the need for proportionality, especially for smaller players facing the same digital expectations as larger groups with deeper compliance budgets.
Simplified reporting and clearer guidance would ease pressure, though the details still look rough around the edges.
The position leans on targeted fixes instead of sweeping changes, keeping the current framework intact while removing redundant layers. That approach, in their view, keeps regulatory intent in place but cuts operational noise insurers deal with every quarter.
