The official CEN/TC 445 information and business plan are here.

See an interview with the Chair of TC 445 here.

The European standard EN 17419-1:2020 “Transfer of electronic Insurance Documents - Process and Data Model” was published by CEN in November 2020 (see here).

This standard enables the digital transfer of any type of insurance document with a set of metadata describing the contents to enable the automated processing of the document. The EN is available from the national standards organizations.

The European technical report CEN/TR 17419-2:2023 “Transfer of electronic Documents - Implementation of EN 17419-1 in Open API 3.0 specification” was published by CEN in February 2023 (see here). The report is available from the national standards organizations.

CEN/TR 17419-2:2023 contains an Open API 3.0 specification for the transfer of electronic insurance documents including downloadable attachments for the YAML file with the Open API 3.0 specification and for JSON files with sample API requests.

For more information on the current standardization projects:
    >  “Transfer of electronic Documents” - EN 17419-1 / TR 17419-2
    >  “Mapping of Insurance Premium Invoice to EN 16931 - Electronic Invoicing”
download the Newsletter here.

CEN/TC 445 developed the CEN Technical Specification CEN/TS 17901 “Electronic Premium Invoice - Mapping to Electronic Invoice EN 16931-1:2017”. The TS was published by CEN in December 2023 (see here). The CEN/TS 17901 is available from the national standards organizations.

This technical specification describes the requirements of a premium invoice from the insurance sector to private or commercial clients and maps these requirements to the European digital cross-domain standard invoice specified in the European Standard EN 16931.

CEN/TC 445 responded to the EIOPA public consultation on the ‘Discussion Paper on open insurance: accessing and sharing insurance-related data’. Download the responses from TC 445 here.

CEN/TC 445 sent Comment on the Topic “Standardisation” related to the Development of the “Open Finance Framework” to the European Commission DG FISMA as input for discussion. Download the comment of TC 445 here.

Standardization is an important prerequisite for “Open Insurance”. Download a detailed overview here.

CEN/TC 445 responded to the EIOPA public consultation on the ‘Discussion Paper on Open Insurance: an exploratory use case in the insurance sector’. Download the responses from TC 445 here.

The EU Commission proposed in June 2023 a Regulation on a Framework for Financial Data Access, the FIDA Regulation. Download the comments from TC 445 here.

European Insurance Standardisation Project to implement the EU FIDA Regulation

The proposed EU Regulation on Financial Data Access (FIDA) is currently in the European legislative process. FIDA will regulate that data holders, upon request from a customer, shall make customer data available to data users in a format based on generally recognised standards.

The European Commission announced in the 2024 annual Union work programme for European standardisation (see here) the Action 12 for the development of “Customer data in the insurance sector”.

The European standards organisation CEN with its technical committee TC 445 develops now European standards for the customer data access and portability in the insurance sector to implement the requirements of FIDA and also the data portability of GDPR Article 20.

The standards development project started in February 2025. Drafts of the standards will be available for the CEN Enquiry process in February 2026.

An EN (European Standard) will provide a semantic interface and data models for the access to customer data for all insurance lines that are within the scope of FIDA.

A TS (Technical Specification) will deliver a digital API implementation of the EN as Open API specification.

CEN/TC 445 finalised the second working drafts for general policy and motor, property, and liability insurance data in October 2025.

The data models for the general data of an insurance policy and for the data of the insurance client contain 212 data elements.

The data model for motor liability and comprehensive insurance comprises 445 data elements including insurance product and coverage data and information about insured drivers and private and commercial vehicles.

The data model for private property insurance consists of 542 data elements including data of insured risk objects, such as buildings, household content, animals, bicycles, photovoltaic systems, leisure boats, valuables, and collections.

The data model for commercial property insurance consists of 701 data elements including data of insured risk objects, such as business locations, buildings, plots of land, waters, projects, machines, cyber security, cargo, bicycles, collections, and animals.

The data model for liability insurance consists of 400 data elements for private liability as well as for commercial liability including data of insured parties, activities, business profiles, and related risk objects.

The drafts of the  European FIDA Standards will be completed until February 2026 with data for the insurance lines: personal accident, insurance-based investment products, private and occupational pension, legal expenses, financial loss, and travel. And the standards will contain private and commercial customer assessment data and claims data.

See the official CEN project website here.

CEN/TC 445 Workshop for the European FIDA Standards Project

Agenda

Welcome and Motivation
          Dr Manuel Reimer, CEN/TC 445 Chair

Proposed Regulation on a Framework for Financial Data Access
          Raphael Lemahieu, Legal Officer in Digital Finance Unit, EU Commission DG FISMA
          Mario Nunez Martinez, Policy Officer in Insurance & Pensions, EU Commission DG FISMA
          Christiana Vovidou, Legal Officer in Digital Finance Unit, EU Commission DG FISMA

Standardisation Requirements to implement the FIDA Regulation (Download)
          Dr Manuel Reimer

European Standards Organisation CEN - how we work and how to join (Download)
          Christina Thorngreen, CEN Project Manager

CEN/TC 445 - what we do (Download)
          Pelin Düzyurt, DIN, CEN/TC 445 Secretary

Standardisation Project for the Insurance Sector to implement the FIDA Regulation (Download)
          Dr Manuel Reimer