Regulatory Alerts2026-07-09
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Do you want an insurance for that? - Online steering towards embedded insurance
The Dutch Financial Supervisory Authority (AFM) issued a July 2026 report analyzing how online platforms steer consumers toward purchasing embedded insurance through disproportionate presentation and low-friction processes. The investigation of 22 platforms revealed that choice architectures often highlight insurance options while obscuring the option to decline, accompanied by limited and complex information disclosure. The AFM concludes that these design elements create significant pressure for quick decisions, increasing the risk that consumers purchase unsuitable or overlapping coverage without making well-informed choices.
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