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Insurance Distribution Directive (IDD) training

Seven microlessons on the Insurance Distribution Directive as it applies in the UK: scope, professional requirements, pre-contract disclosure, sales practices, conflicts, product governance and enforcement, with situational tests and a certificate of completion.

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Insurance Distribution Directive (IDD) (UK) course preview
7Short, TikTok-style microlessonsIn the browser or the iOS and Android apps

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  • 2Assessments
  • 7Microlessons
  • IncludedCertificate of completion
About this course

What the Insurance Distribution Directive (IDD) course covers

The Insurance Distribution Directive (IDD) sets the professional standard every UK insurance distributor must meet. This course covers it in seven microlessons: its scope and how the UK applies it through FCA rules, professional, organizational and prudential requirements, pre-contract disclosure including the IPID, advised and non-advised sales, cross-selling and life business, conflicts of interest and product oversight and governance, ancillary insurance intermediaries, and enforcement and individual conduct.

Learning outcomes

What your people will be able to do

  • Apply the IDD's scope and core conduct principles to distribution activities
  • Show how the UK rules in ICOBS, SYSC and PROD apply in practice
  • Make pre-contract disclosures and run advised and non-advised sales that support customer understanding
  • Manage conflicts of interest, product oversight and target market testing
  • Apply prudential safeguards: professional indemnity insurance, client money segregation and intermediary checks
  • Handle complaints, signpost the Financial Ombudsman Service and meet individual conduct duties under SM&CR
Course contents

7 microlessons

Each microlesson is a short, TikTok-style video lesson, with knowledge checks along the way.

1Introduction to the IDD
2Professional, Organisational and Prudential Requirements
3Pre-Contract Disclosure and Advised/Non-Advised Sales
4Sales Practices, Cross-Selling and Life Business
5Conflicts of Interest and Product Oversight and Governance
6Ancillary Insurance Intermediaries and Professional Standards
7Enforcement, Responsibilities and Culture

  1. Introduction to the IDD: What the IDD covers and how the UK applies it.
  2. Professional, Organisational and Prudential Requirements: Competence, professional indemnity and client money.
  3. Pre-Contract Disclosure and Advised/Non-Advised Sales: Disclosures, the IPID and the demands and needs test.
  4. Sales Practices, Cross-Selling and Life Business: Cross-selling, add-on value and inducements.
  5. Conflicts of Interest and Product Oversight and Governance: Managing conflicts and product governance (PROD).
  6. Ancillary Insurance Intermediaries and Professional Standards: Who counts as an ancillary intermediary and their duties.
  7. Enforcement, Responsibilities and Culture: FCA enforcement, complaints and individual conduct.
A 5Mins certificate of completion for Insurance Distribution Directive (IDD) (UK), lying on a desk next to a laptop
Certificate

A certificate for every learner who completes it

Learners finish every microlesson and complete the assessments. 5Mins then issues a certificate of completion for Insurance Distribution Directive (IDD) (UK).

  • Certificates and e-signatures stored against each learner
  • Audit-ready records, ready whenever an auditor asks
  • Completion shows on the Compliance Dashboard in real time
Audience and regulation

Who it's for and the law it covers

Who it's for

  • Staff at insurers, brokers, MGAs and other insurance intermediaries
  • Sales, advice and distribution partnership teams
  • Product and pricing teams
  • Compliance and senior managers in insurance

Laws covered

  • Insurance Distribution Directive (EU) 2016/97. Sets conduct and professional standards for anyone who distributes insurance, implemented in the UK from 1 October 2018 and kept in FCA rules after Brexit.
  • FCA ICOBS, SYSC and PROD 4. The UK rules on insurance conduct of business, staff competence and systems, and product oversight and governance.
  • The Consumer Duty and SM&CR. Reinforce fair outcomes and individual accountability in insurance distribution.
How it runs in 5Mins

Assign it once, then let 5Mins do the chasing

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  • EnrollAuto-enroll

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  • RemindReminders

    Nudges by email, Slack, Microsoft Teams and push until the course is done.

  • RepeatRecurrence

    Set the course to repeat, for example every 12 months, and 5Mins re-enrolls people for you.

  • CertifyCertificates

    Certificates and e-signatures are issued and stored for every completion.

  • ProveAudit-ready records

    See who is complete, at risk or overdue on the Compliance Dashboard, and prove it any time.

Customer stories

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ComplianceCompliance Training Insurance, 205 colleagues 100%

compliance completion and pass rate since go-live

  • ~1 day saved on each compliance course (HR estimate)
  • Automated reminders and reporting

Since go-live, our compliance completion and pass rates are 100%, and it's the quickest we've ever got there. Automated reminders and reporting save us about a day per course.

Laura ChappellLaura ChappellHR Director, Collingwood
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ComplianceCompliance Training Insurance and emergency accommodation 87%

less session time, from 2.5-3 hour sessions to modules of 25 minutes at most

  • 12 monthly sessions a year, up from 3-4
  • 95% content creation time saved

Our compliance sessions used to be two and a half to three hours in a room, and we could fit in three or four a year. Now we cover one topic a month, and I can see exactly what people are retaining.

Lucy WybornLucy WybornDirector of Learning and Development, ICAB
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ComplianceCompliance Training Legal services 80%

completion on mandatory training, up from 20%

  • Mobile microlessons finished between calls
  • Manager view of each team's progress

We were sitting at 20% completion on our mandatory training. We're now at 80%. People finish short lessons between calls, on mobile, and managers can see where their teams are, so chasing completion is no longer a one-person job.

Jamie WaltonJamie WaltonGroup Learning and Development Officer, Winn Solicitors
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ComplianceCompliance Training Fintech and digital banking On demand

training log showing who did what, when, and the pass rate

  • Any device phone or laptop, at their own pace
  • Rolling refreshers through the year

When I engage with the FCA, I can show that every team has had training tailored to their role, that it's up to date, and that it runs throughout the year, with a full log of who's done what.

Abdul GofurAbdul GofurHead of Compliance & Anti-Financial Crime, nsave
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★ Free sample lesson

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Interested in Insurance Distribution Directive (IDD) training? Request a free sample lesson, book a short demo with our team, and we'll share your sample lessons after the call.

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Free course catalogues

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Free PDF catalogues to share with your compliance lead, your managers or your board.

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Your questions answered

Questions about Insurance Distribution Directive (IDD) training

How long is the IDD course?

It's made up of 7 microlessons, each under 5 minutes. Learners can finish it in one sitting or spread it over a few days, and 5Mins sends reminders until it is done.

Is there a certificate?

Yes. Learners get a certificate of completion once they finish every microlesson and the situational tests. The record is stored in 5Mins for audits.

Does the IDD still apply in the UK after Brexit?

Its requirements were implemented in UK law and FCA rules and continue to apply through ICOBS, SYSC and PROD. The first microlesson explains how.

What is an IPID?

The Insurance Product Information Document, a standardized summary of a general insurance product given to customers before the contract is concluded. The third microlesson covers pre-contract disclosure.

Who should take this course?

Anyone involved in distributing insurance, including advising, arranging, selling or administering policies, plus the product, compliance and senior managers who oversee distribution.

Can I try the course first?

Yes. Request a free sample lesson and book a short demo with our team. After your demo, we'll share sample lessons with you so you can see the format for yourself.

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