{"id":8119,"date":"2016-02-08T14:25:10","date_gmt":"2016-02-08T13:25:10","guid":{"rendered":"https:\/\/www.fma.gv.at\/en\/?page_id=8119"},"modified":"2025-08-29T09:56:42","modified_gmt":"2025-08-29T07:56:42","slug":"licence","status":"publish","type":"page","link":"https:\/\/www.fma.gv.at\/en\/insurance\/licence\/","title":{"rendered":"Licence"},"content":{"rendered":"<?xml encoding=\"utf-8\" ?><p>Here you can find information about applying for a licence, about the appointment of board members, the election of the chairperson of the supervisory board as well as cross-border activities conducted by insurance undertakings within the <abbr title=\"European Economic Area\">EEA<\/abbr> .<\/p><p>\n<div class=\"card\">  <div class=\"card-header\" id=\"heading-6a38f8e8c8dba\">    <h2 class=\"mb-0\">      <button class=\"btn btn-link btn-block text-left p-0 d-flex align-items-center justify-content-between\" type=\"button\" data-toggle=\"collapse\" data-target=\"#collapse-heading-6a38f8e8c8dba\" aria-expanded=\"false\" aria-controls=\"collapse-heading-6a38f8e8c8dba\">        <span>Licence application<\/span>        <i class=\"fa-solid fa-chevron-down text-primary\" aria-hidden=\"true\"><\/i>      <\/button>    <\/h2>  <\/div>  <div id=\"collapse-heading-6a38f8e8c8dba\" class=\"collapse\" aria-labelledby=\"heading-6a38f8e8c8dba\">    <div class=\"card-body\"><p><\/p><p>The conditions for operation as a contractual insurance undertaking in Austria are defined in the Insurance Supervision Act 2016 (<a href=\"https:\/\/www.fma.gv.at\/download.php?d=825\">VAG 2016<\/a>; Versicherungsaufsichtsgesetz 2016). Important information for parties applying for a licence can be found here <a href=\"\/wp-content\/plugins\/dw-fma\/download.php?d=1979&nonce=78ad1dcef4508aca\" class=\"internal single-document-reference piwik_download\">Information for licence applicants (<span class=\"sr-only\">Format: <\/span>pdf, <span class=\"sr-only\">Size: <\/span>279,0 KB, <span class=\"sr-only\">Language: <\/span>English)<\/a>\n<\/p><p>    <\/div>  <\/div><\/div><p>\n<div class=\"card\">  <div class=\"card-header\" id=\"heading-6a38f8e8d5c70\">    <h2 class=\"mb-0\">      <button class=\"btn btn-link btn-block text-left p-0 d-flex align-items-center justify-content-between\" type=\"button\" data-toggle=\"collapse\" data-target=\"#collapse-heading-6a38f8e8d5c70\" aria-expanded=\"false\" aria-controls=\"collapse-heading-6a38f8e8d5c70\">        <span>Appointment of Management Board, Supervisory Board, Governance and Key Functions (Fit &amp; Proper)<\/span>        <i class=\"fa-solid fa-chevron-down text-primary\" aria-hidden=\"true\"><\/i>      <\/button>    <\/h2>  <\/div>  <div id=\"collapse-heading-6a38f8e8d5c70\" class=\"collapse\" aria-labelledby=\"heading-6a38f8e8d5c70\">    <div class=\"card-body\"><p> Under the <a href=\"https:\/\/www.fma.gv.at\/en\/insurance\/solvency-ii\/\">Solvency <abbr title=\"two\">II<\/abbr> <\/a>&nbsp;rules, all members of staff of the insurance undertaking are required to have the skills, knowledge and expertise necessary to carry out the tasks assigned to them in an orderly manner (Article&nbsp;258 (1) Delegated Regulation (EU) <a href=\"http:\/\/eur-lex.europa.eu\/legal-content\/EN\/TXT\/PDF\/?uri=OJ:L:2015:012:FULL&amp;from=DE\" class=\"external\" target=\"_blank\" rel=\"noopener\">2015\/35<\/a>). There are special rules contained in the law for certain groups of persons regarding the expertise-based qualification and personal reputation. There are notification requirements for these groups of persons, thereby ensuring monitoring by the <abbr title=\"Financial Market Authority\">FMA<\/abbr>  takes please prior to or immediately after the appointment.<\/p><h2><strong>1. Notification obligations for Insurance Undertakings<\/strong><\/h2><p>Notifications must be made electronically via the <abbr title=\"Financial Market Authority\">FMA<\/abbr> &rsquo;s <a href=\"https:\/\/webhost.fma.gv.at\/IncomingPlattform\/\">Incoming Platform<\/a>. Forms have been developed that the undertaking is required to fill out. The forms contain details about the documentation that must also be submitted (<abbr title=\"example given\">e.g.<\/abbr>  a curriculum vitae and a criminal record certificate). An overview of the notification requirements that are relevant in practice can be found below:<\/p><ul>\n<li><strong>Members of the management board<\/strong> The intended appointment of members of the management board must be notified at least one month prior to their appointment (Article 122 <abbr title=\"paragraph\">para.<\/abbr>  1 <abbr title=\"number\">no.<\/abbr>  1 <abbr title=\"Versicherungsaufsichtsgesetz\">VAG<\/abbr> ). The one month period starts with the act of appointment. Under Article 122 <abbr title=\"paragraph\">para.<\/abbr>  3 <abbr title=\"Versicherungsaufsichtsgesetz\">VAG<\/abbr>  changes in conditions in relation to fitness and propriety requirements (pursuant to Article 120 <abbr title=\"paragraphs\">paras.<\/abbr>  1 to 3 <abbr title=\"Versicherungsaufsichtsgesetz\">VAG<\/abbr> ), replacement due to their not being met, as well as them leaving are also required to be notified.<\/li>\n<li><strong>Chairperson of the Supervisory Board and other Members of the Supervisory Board<\/strong> Pursuant to Article 123 <abbr title=\"paragraphs\">paras.<\/abbr>  3 and 4 <abbr title=\"Versicherungsaufsichtsgesetz\">VAG<\/abbr>  the election (appointment and resignation) of supervisory board members is required to be notified without delay. The election and resignation of the chairperson of the supervisory board must also be notified without delay. Members of the supervisory board who are seconded by the works council must also be notified, since there is no exemption for them in the law.<\/li>\n<li><strong>Governance and other Key Functions<\/strong> The head of the risk management function, the compliance function, the actuarial function and the internal auditor function are all required to be notified without delay after their appointment. Pursuant to Article 120 <abbr title=\"paragraph\">para.<\/abbr>  3 <abbr title=\"Versicherungsaufsichtsgesetz\">VAG<\/abbr>  this provision also applies to the other key functions identified by the insurance undertaking (as a general rule this is the person responsible for investment). Changes in relation to these persons are also subject to notification requirements pursuant to Article 122 <abbr title=\"paragraph\">para.<\/abbr>  3 <abbr title=\"Versicherungsaufsichtsgesetz\">VAG<\/abbr> .<\/li>\n<li><strong>Deputies for governance functions and other key functions<\/strong> Appropriate deputisation rules for governance functions and other key functions are derived from the requirement for the establishment of an appropriate organisational structure. However, no explicit reporting obligations exist in this regard under supervisory law.<\/li>\n<li><strong>Outsourcing Officer for Governance Functions and other Key Functions<\/strong> Guideline 14 of the <abbr title=\"European Insurance and Occupational Pensions Authority\">EIOPA<\/abbr>  Guidelines on Systems of Governance (EIOPA-BoS-14\/253) stipulates in the event of outsourcing of governance functions and key functions, that a person in the undertaking, who is fit and proper, is to be determined, who takes overall responsibility for the outsourced function. This person is subject to the same rules as the key functions in terms of notification requirements.<\/li>\n<li><strong>Responsible Actuary and Deputy<\/strong> The intended appointment of the responsible actuary and their deputy is required pursuant to Article 115 <abbr title=\"Versicherungsaufsichtsgesetz\">VAG<\/abbr>  to be notified to the <abbr title=\"Financial Market Authority\">FMA<\/abbr> . This means that the notification must in any case take place prior to the appointment process. These persons leaving the undertaking must also be notified to the <abbr title=\"Financial Market Authority\">FMA<\/abbr>  including a statement about the reasons for this.<\/li>\n<\/ul><h2><strong>2. Review by the <abbr title=\"Financial Market Authority\">FMA<\/abbr> <\/strong><\/h2><ul>\n<li><strong>Management Board <\/strong>Article 120 <abbr title=\"paragraphs\">paras.<\/abbr>  1 and 2 <abbr title=\"Versicherungsaufsichtsgesetz\">VAG<\/abbr>  2016 define the requirements in relation to the members of the management board. In terms of professional suitability, the <abbr title=\"Financial Market Authority\">FMA<\/abbr>  considers it important that every member of the management board of an insurance undertaking has the necessary knowledge about the regulations under supervisory law that apply to the undertaking, in order to be able to assume overall responsibility in the management board. In order to check adequate theoretical knowledge, generally by way of a follow-up to the notification regarding the appointment of a member of the board of management, an appointment is arranged for a Fit &amp; Proper Test, containing questions about supervisory topics and standards. The Fit &amp; Proper Test focuses on the main provisions of the <a href=\"https:\/\/www.fma.gv.at\/wp-content\/plugins\/dw-fma\/download.php?d=825\"><abbr title=\"Versicherungsaufsichtsgesetz \">VAG<\/abbr> &nbsp;2016<\/a>, Delegated Regulation <a href=\"http:\/\/eur-lex.europa.eu\/legal-content\/EN\/TXT\/PDF\/?uri=OJ:L:2015:012:FULL&amp;from=DE\" class=\"external\" target=\"_blank\" rel=\"noopener\">2015\/35<\/a>, the applicable <a href=\"https:\/\/www.fma.gv.at\/en\/national\/fma-regulations\/\"><abbr title=\"Financial Market Authority\">FMA<\/abbr>  regulations<\/a> as well as entity-specific topics. Furthermore, knowledge is also assumed of the principle regulations under company law. <span data-teams=\"true\">In addition, in the life insurance sector, appropriate knowledge of AML regulation under the Financial Markets Anti-Money Laundering Act (FM-GwG) is also required. <\/span>In the event that the candidate does not pass the Fit &amp; Proper Test, then an extended test is conducted. In the event that the member of the management board does not pass the extended test, the <abbr title=\"Financial Market Authority\">FMA<\/abbr>  will assume that they do not possess the necessary professional suitability and will take the relevant supervisory measures.<\/li>\n<li><strong>Chairperson of the Supervisory Board <\/strong>For the chairperson of the supervisory board the provisions set out in Article 123 <abbr title=\"paragraphs\">paras.<\/abbr>  1 and 2 <abbr title=\"Versicherungsaufsichtsgesetz\">VAG<\/abbr>  as well as rules until company law (in particular Articles 86 et seq <abbr title=\"\">AktG<\/abbr> ) are relevant. In terms of professional suitability, the <abbr title=\"Financial Market Authority\">FMA<\/abbr>  considers it important that the chairperson of the supervisory board of an insurance undertaking has the necessary knowledge about the regulations under supervisory law that apply to the undertaking, that are necessary for the orderly performance of their function as chairperson of the supervisory board. In order to check adequate theoretical knowledge, generally by way of a follow-up to the notification regarding the election of the chairperson of the supervisory board, an appointment is arranged for a Fit &amp; Proper interview, containing questions about supervisory topics and standards that are relevant for the supervisory board as well as undertaking-specific topics. Where the <abbr title=\"Financial Market Authority\">FMA<\/abbr>  reaches the impression from this interview that the chairperson of the supervisory board does not fulfil these requirements, then the undertaking will be informed of this by the <abbr title=\"Financial Market Authority\">FMA<\/abbr> . The <abbr title=\"Financial Market Authority\">FMA<\/abbr>  will then take the necessary measures under supervisory law.<\/li>\n<li><strong>Governance and\/or other key functions <\/strong>In Article 120 <abbr title=\"paragraph\">para.<\/abbr>  3 <abbr title=\"Versicherungsaufsichtsgesetz\">VAG<\/abbr>  and the corresponding provisions in Delegated Regulation (EU) <a href=\"http:\/\/eur-lex.europa.eu\/legal-content\/EN\/TXT\/PDF\/?uri=OJ:L:2015:012:FULL&amp;from=DE\" class=\"external\" target=\"_blank\" rel=\"noopener\">2015\/35<\/a> requirements are defined for those persons who are the heads of governance or other key functions. Regarding the professional qualification of such persons, the <abbr title=\"Financial Market Authority\">FMA<\/abbr>  considers it material that they possess adequate knowledge to be able to discharge their responsibilities in an orderly manner. The checking of conditions for fitness and propriety will as a general rule take place in conjunction with notification of the appointment on the basis of the submitted documentation. The <abbr title=\"Financial Market Authority\">FMA<\/abbr>  reserves the right on a case-by-case basis to invite the appointed persons to an interview and\/or test for checking their theoretical knowledge. Where the <abbr title=\"Financial Market Authority\">FMA<\/abbr>  has justified grounds to doubt that they meet the required standards of fitness and propriety, then it takes the necessary measures under supervisory law.<\/li>\n<\/ul><p>    <\/div>  <\/div><\/div><p>\n<div class=\"card\">  <div class=\"card-header\" id=\"heading-6a38f8e8d5ff5\">    <h2 class=\"mb-0\">      <button class=\"btn btn-link btn-block text-left p-0 d-flex align-items-center justify-content-between\" type=\"button\" data-toggle=\"collapse\" data-target=\"#collapse-heading-6a38f8e8d5ff5\" aria-expanded=\"false\" aria-controls=\"collapse-heading-6a38f8e8d5ff5\">        <span>Cross-border activities within the EEA<\/span>        <i class=\"fa-solid fa-chevron-down text-primary\" aria-hidden=\"true\"><\/i>      <\/button>    <\/h2>  <\/div>  <div id=\"collapse-heading-6a38f8e8d5ff5\" class=\"collapse\" aria-labelledby=\"heading-6a38f8e8d5ff5\">    <div class=\"card-body\"><p><\/p><p>The notification about the intended<strong> establishment of a branch<\/strong> pursuant to Article 21 <abbr title=\"paragraph\">para.<\/abbr>  1 <abbr title=\"Versicherungsaufsichtsgesetz 2016\">VAG 2016<\/abbr>  is to be submitted via the <a href=\"https:\/\/webhost.fma.gv.at\/IncomingPlattform\/Authentication\/Authenticate?ReturnUrl=%2FIncomingPlattform%2F\">Incoming Platform<\/a>. The necessary form to be used is made available on the Incoming Platform and which is intended to ensure efficient execution. The information and documentation that must also be submitted (<abbr title=\"example given\">e.g.<\/abbr>  business plan or the curriculum vitae of the authorised agent) are described in greater detail in this form.<\/p><p>The notification about the intended <strong>commencement of the provision of services<\/strong> pursuant to Article 23 <abbr title=\"paragraph\">para.<\/abbr>  1 <abbr title=\"Versicherungsaufsichtsgesetz 2016\">VAG 2016<\/abbr>  is to be submitted via the <strong>Incoming Platform<\/strong>. The necessary form to be used is made available on the Incoming Platform and which is intended to ensure efficient execution.<\/p><p>Particularly material provisions in conjunction with cross-border activities within the <abbr title=\"European Economic Area\">EEA<\/abbr>  are explained here. The competent court decided which provision are actually applicable.<br>\n<a href=\"\/wp-content\/plugins\/dw-fma\/download.php?d=1836&nonce=dc5a4c265017e328\" class=\"internal single-document-reference piwik_download\">Information about Mandatory Provisions in Austrian Law (<span class=\"sr-only\">Format: <\/span>pdf, <span class=\"sr-only\">Size: <\/span>355,0 KB, <span class=\"sr-only\">Language: <\/span>English)<\/a>\n<\/p><p>    <\/div>  <\/div><\/div><p>\n<div class=\"card\">  <div class=\"card-header\" id=\"heading-6a38f8e8e1cb9\">    <h2 class=\"mb-0\">      <button class=\"btn btn-link btn-block text-left p-0 d-flex align-items-center justify-content-between\" type=\"button\" data-toggle=\"collapse\" data-target=\"#collapse-heading-6a38f8e8e1cb9\" aria-expanded=\"false\" aria-controls=\"collapse-heading-6a38f8e8e1cb9\">        <span>The Withdrawal of the United Kingdom from the European Union (Brexit)<\/span>        <i class=\"fa-solid fa-chevron-down text-primary\" aria-hidden=\"true\"><\/i>      <\/button>    <\/h2>  <\/div>  <div id=\"collapse-heading-6a38f8e8e1cb9\" class=\"collapse\" aria-labelledby=\"heading-6a38f8e8e1cb9\">    <div class=\"card-body\"><p> A (temporary) <strong>transition period until 31.12.2020<\/strong> began with the withdrawal of the United Kingdom from the European Union (Brexit). Until the end of this transition period there are no changes for undertakings, investors and customers in the European Union (EU) and the United Kingdom (UK). Since the deadline for extending the transition period expired on 30.6.2020 without an extension being sought, the European Commission published Notices to Stakeholders in the financial sector on 14.7.2020, in which it reminds them in the context of the negotiations between the <abbr title=\"European Union\">EU<\/abbr>  and the <abbr title=\"United Kingdom\">UK<\/abbr>  on their post-Brexit relationship about preparations for the end of the transition period after the <abbr title=\"United Kingdom\">UK<\/abbr> &rsquo;s withdrawal.<\/p><p>Further information can be found on the European Commission Website in the section about <a href=\"https:\/\/commission.europa.eu\/law\/law-topic\/data-protection\/international-dimension-data-protection\/brexit_en\" class=\"external\" target=\"_blank\" rel=\"noopener\">Getting ready for the end of the transition period<\/a>. Reference is also made to the <abbr title=\"European Insurance and Occupational Pensions Authority\">EIOPA<\/abbr>  Recommendations for the insurance sector in light of the United Kingdom withdrawing from the European Union dated 14.06.2019 <a href=\"https:\/\/www.fma.gv.at\/download.php?d=4065\">EIOPA-BoS-19\/040<\/a>.<\/p><p>Further Information can be found on the <a href=\"https:\/\/www.bankofengland.co.uk\/\" class=\"external\" target=\"_blank\" rel=\"noopener\">website<\/a> of Bank of England and on the <a href=\"https:\/\/www.fca.org.uk\/brexit\/temporary-permissions-regime\" class=\"external\" target=\"_blank\" rel=\"noopener\">website<\/a> of Financial Conduct Authority (FCA).<\/p><p><abbr title=\"European Insurance and Occupational Pensions Authority\">EIOPA<\/abbr>  urges the insurance sector to finalise preparations and implement suitable and realistic contingency plans in advance of the end of the <abbr title=\"United Kingdom\">UK<\/abbr>  transition period (<em><a href=\"https:\/\/register.eiopa.europa.eu\/Pages\/Newsletter\/Newsletter.aspx?jg=52d4b532-0ce9-42e9-b862-ad9124b52c07&amp;eg=62cb4ddd-f720-45dd-8160-66996c4e29b7&amp;lg=cfffadb5-7641-4b26-9c66-e3a51437c0f8&amp;ltp=c\" class=\"external\" target=\"_blank\" rel=\"noopener\">Read more<\/a><\/em>).<\/p><p>The unrestricted access for British undertakings to the Austrian market by way of the freedom to provide services or the freedom of establishment ended on 31 December 2020.<\/p><p>Regarding the legal basis from 1 January 2021, we refer to the <a href=\"https:\/\/commission.europa.eu\/strategy-and-policy\/relations-non-eu-countries\/relations-united-kingdom\/eu-uk-trade-and-cooperation-agreement_en\" class=\"external\" target=\"_blank\" rel=\"noopener\">EU \/ UK Trade and Cooperation Agreement<\/a> (see in particular Articles SERVIN.5.38 to 5.42 as well as Article FINPROV. 11 (2) of the Agreement).<\/p><p><abbr title=\"European Insurance and Occupational Pensions Authority\">EIOPA<\/abbr> &nbsp;published a Brexit Consumer Guide<br>\n<a href=\"https:\/\/www.eiopa.europa.eu\/system\/files\/2021-01\/consumer_guide_brexit_final.pdf\" class=\"external\" target=\"_blank\" rel=\"noopener\">Consumer guide: What should you do if you have a life insurance policy or pension from the UK?<\/a><\/p><p>    <\/div>  <\/div><\/div><p>\n<\/p><h2>Further&nbsp;information<\/h2><p>\n<div id=\"reference-6a38f8e8e1d8c\" class=\"reference\"><h2 class=\"reference-heading\"><span class=\"fa-solid fa-scale-balanced fa-fw\" aria-hidden=\"true\"><\/span>Law<\/h2><p><\/p><p>Insurance Supervision Act 2016 (<a href=\"https:\/\/www.fma.gv.at\/download.php?d=825\">VAG 2016<\/a>; Versicherungsaufsichtsgesetz 2016)<\/p><p><\/div><p>\n<div id=\"reference-6a38f8e8e1da7\" class=\"reference\"><h2 class=\"reference-heading\"><span class=\"fa-solid fa-circle-info fa-fw\" aria-hidden=\"true\"><\/span>Information<\/h2><p><\/p><p><a href=\"https:\/\/www.fma.gv.at\/download.php?d=1979\">Information for licence applicants<\/a><\/p><p>Information about mandatory provisions in Austrian Law can be found under <a href=\"https:\/\/www.fma.gv.at\/en\/insurance\/disclosure\/supervisory-disclosure\/\">Supervisory disclosure<\/a> (National provisions for the protection of the general good)<\/p><p><\/div><p>\n<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Here you can find information about applying for a licence, about the appointment of board members, the election of the &#8230;<\/p>\n","protected":false},"author":60,"featured_media":0,"parent":5474,"menu_order":1,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"footnotes":""},"class_list":["post-8119","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - 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