EIOPA AI Statement
EIOPA's Statement on the use of artificial intelligence in the insurance sector is the European Insurance and Occupational Pensions Authority's supervisory expectations for AI deployment by insurers and intermediaries.
What is EIOPA AI Statement?
Published in 2025, the EIOPA Statement clarifies how existing insurance law (Solvency II, IDD, GDPR) and the EU AI Act apply jointly to insurance AI use cases such as pricing, underwriting, claims handling, and fraud detection. It emphasises proportionality, fairness across protected classes, governance, transparency to policyholders, and the role of human oversight in significant decisions.
How does EIOPA AI Statement apply to enterprise AI?
Insurance carriers and brokers in the EU need a written AI policy aligned with EIOPA's expectations. AI vendors selling into insurance should expect their controls to be benchmarked against the Statement.
Related terms
- EU AI Act - The EU AI Act (Regulation (EU) 2024/1689) is the European Union's horizontal regulation for AI, classifying systems by risk and imposing obligations on providers, deployers, importers, and distributors.
- GDPR - The General Data Protection Regulation (GDPR) is the EU's data-protection regulation, governing the processing of personal data of people in the EU and EEA.
- AI Risk Management - AI risk management is the discipline of identifying, assessing, mitigating, and monitoring the harms an AI system can cause across its lifecycle.
- Explainable AI (XAI) - Explainable AI (XAI) is the set of techniques that make an AI system's outputs and behaviour understandable to humans, supporting trust, debugging, and regulatory compliance.
External references
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