CEN/TC 445

Digital Information Interchange in the Insurance Industry

The Technical Committee TC 445 of the European Standardization Organization CEN develops standards in the field of digital information interchange for the European insurance industry.

This applies to processes in policy administration (quotation, offer, application, transfer of contract and premium data, premium and commission statement, party and contract changes, search and information services for party and contract) and in claims handling (notification, verification, assessment, authorization, settlement and reimbursement, recovery, status information).

Standardization is focused on the digital information interchange which connects insurance companies with their customers and their market partners, e.g. brokers, sales organizations, portals, service providers, and other insurers. All lines of business in the insurance industry are considered, such as life, health, property and casualty.

The CEN Technical Committee (TC) is open to delegates from all European countries. The standards development is organized in Work Groups open to delegates from European countries and individual experts from stakeholders of the insurance industry.

For participation contact your national standards organization.

The developments of CEN/TC 445 are based on the Core Component Library of UN/CEFACT (more information here) and on the results of the former CEN Work Group eEG7 (more information here).

CEN web site

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


See an interview with the Chair of TC 445 here.

EN 17419-1

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.

TR 17419-2

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.

Newsletter 2021

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.

Premium Invoice CEN/TS 17901

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.

EIOPA Open Insurance 2021

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.

Comment on Standardization to EC DG FISMA

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 for Open Insurance

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

EIOPA Open Insurance 2023

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.

EU FIDA Regulation

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.


Download a summary presentation on 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 plans the development of 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.

CEN/TC 445 wants to discuss this initiative with all interested stakeholders of the European insurance sector in a public workshop.

CEN/TC 445 Workshop for the European FIDA Standards Project

Online  |  Tuesday, 11 June 2024  |  10:00 - 13:00 CEST


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

Open Insurance and Consumer Protection (Download)
          Dr Tim Shakesby, Head of Digital Transformation, EIOPA

Proposed Regulation on a Framework for Financial Data Access -
Standardisation Requirements (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)
          Martin Uhlherr, DIN, CEN/TC 445 Secretary

Standardisation Project for the Insurance Sector to implement the FIDA Regulation
Next steps to start the standardisation project and invitation to join the project

          Dr Manuel Reimer

Discussion with all participants