Preliminary and status information
pursuant to § 15 of the Ordinance on Insurance Brokerage and Advice of
Regent Insurance Brokers (EUROPE) GmbH
Phone +49 203 3188-7537
Fax +49 203 3188-7539
represented by the managing directors Udo Griewatz and Wolfgang Kortus
Commercial register number: HRB 30771, Duisburg Local Court.
The aforementioned company Regent Insurance Brokers (EUROPE) GmbH is registered with the competent authority and entered in the Register of Intermediaries as an insurance broker with a licence pursuant to Section 34d (1) of the Trade Regulation Act.
§ 34d GewO
Insurance broker with permission according to § 34d para. 1 Gewerbeordnung (Trade Regulation Act), Federal Republic of Germany
Supervisory authority and competent authority for the permit:
Duisburg Chamber of Industry and Commerce
The registration can be verified as follows:
Association of German Chambers of Industry and Commerce (DIHK) e. V.
Breite Straße 29
Phone 0180-600-585-0 *
* 20 cents (call from German landlines), maximum 60 cents (call from mobile networks)
As an insurance broker, we offer advice.
The remuneration - referred to as brokerage - for our advisory, brokerage and support activities is paid by the insurance company according to customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be explicitly agreed between us and the client.
Particularly in the case of the brokerage of so-called net products, a separate remuneration agreement is usually agreed which obliges the client to pay the remuneration. Net products are products for which the brokerage remuneration is not included in the insurance premium.
Our company does not receive remuneration in the form of other benefits.
Our company does not hold a direct or indirect interest of more than 10% in the voting rights or capital of an insurance company. An insurance company or parent company of an insurance company does not hold a direct or indirect interest of more than 10% in the voting rights or capital of the insurance broker / our company.
Information on the conciliation bodies pursuant to Section 214 of the German Insurance Contract Act (VVG) and on participation in the dispute resolution procedure pursuant to Section 36 of the German Consumer Dispute Resolution Act (Verbraucherstreitbeilegungs-gesetz):
For out-of-court dispute resolution, the conciliation bodies listed below can be called upon. Pursuant to Section 17 (4) of the Insurance Brokerage Ordinance, we are obliged to participate in dispute resolution proceedings before the following consumer arbitration bodies
Versicherungsombudsmann e. V.
PO Box 080632
Ombudsmann Private Kranken- und Pflegeversicherung
PO Box 060222
Online Dispute Resolution Platform (ODR Platform)
Professional regulations are in particular:
§ 34d Trade, Commerce and Industry Regulation Act
§§ 59 – 68 Insurance Contract Act
Insurance Brokerage Ordinance
The professional regulations can be viewed and downloaded from the website operated by the Federal Ministry of Justice and from the website operated by juris GmbH at www.gesetze-im-internet.de.
Unless otherwise agreed, we advise you and receive remuneration from the insurer for our services, which is already included in the insurance premium.
Online Dispute Resolution pursuant to Art. 14 (1) Regulation on Online Dispute Resolution in Consumer Matters (ODR Regulation)
The European Commission provides an online dispute resolution platform (ODR platform) that consumers can access at webgate.ec.europa.eu/odr/main/. Consumers can use this platform for the out-of-court settlement of their disputes regarding contractual obligations. udo.griewatz(at)regent-europe.de
If you have any complaints about our activities, please feel free to contact our complaints department:
Guidelines for complaint handling can be found here:
Complaint Guidelines of the BDVM e. V. (Registered Association of German Insurance Brokers)
Regulation (EU) 2019/2088
Regulation (EU) 2019/2088 of 27.11.2019 on sustainability-related disclosure requirements for financial service providers (Transparency Regulation).
I. Consideration of sustainability risks in our insurance brokerage activities
Sustainability in insurance brokerage by us
As a future-oriented broker, responsible support in insurance matters is part of our philosophy and mission statement. Our most important corporate objective is to offer customised insurance cover and to achieve a high level of customer satisfaction that is based on comprehensive, good advice. This includes offering and recommending suitable and, if our customers wish, sustainable (in the sense of ESG criteria) insurance investment and pension products as well as taking sustainability risks into account when brokering insurance.
The consideration of sustainability risks in insurance brokerage is primarily done through the selection of insurance investment and pension products that we recommend to our clients as suitable for them. Therefore, we obtain offers for our clients from the variety of the market.
We understand a sustainability risk to be an event or condition in the environmental, social or corporate governance areas, the occurrence of which could actually or potentially have a significant negative impact on the value of our clients' investment.
In detail, we proceed as follows:
Consideration of sustainability risks when recommending sustainable financial products
When assessing the sustainability of financial products that we recommend to our clients with a preference for sustainable investments, sustainability risks are taken into account in two ways:
All insurers are already generally obliged by regulatory requirements to take sustainability aspects into account as part of their investment decisions. We would be happy to present the sustainability concept of the insurers recommended as a perfect fit for your specific wishes and needs separately at your request.
We also ensure that our consultants have comprehensive knowledge of the sustainable products they offer and are able to assess them. Up-to-date product knowledge is conveyed through a qualified training and further education programme that goes beyond the legal requirements.
II. Inclusion of sustainability risks in our remuneration policy
Due to legal requirements, we already ensure within the framework of our remuneration policy that the performance and activities of our employees are not remunerated or evaluated in a way that conflicts with our duty to act in the best interest of our customers.
In particular, the remuneration does not create incentives to recommend an insurance investment or pension product that is less suited to the needs of our clients. The remuneration we pay our employees has no influence on the inclusion of sustainability risks.
III. Consideration of the main adverse effects on sustainability factors in insurance brokerage
We take into account the most significant adverse impacts with regard to the sustainability factors of environmental, social and employee concerns, respect for human rights and the fight against corruption and bribery in insurance brokerage.
This is done by taking into account the relevant information on the consideration of sustainability risks in the investment of the insurer we offer. This is done not only in the run-up to a recommendation, but at the client's request at any time on the basis of the information on sustainability strategy provided by the insurer offered in each case.
At the client's request, we present this - as far as possible - on the basis of the individually recommended product.
In addition to the general information provided by the insurer on its strategy for taking into account the impact of investments on sustainability risks, we also refer to the insurer's pre-contractual information on the respective product.