Published : 2026-02-18

The legal aspects of financing insurance premium costs by a bank acting as an insurance intermediary

Abstract

The purpose of this study is to analyse the issue of financing insurance premium costs, in particular the bank’s own commission when the bank acts as an insurance intermediary, in the light of the Consumer Credit Act, protective regulations and general provisions of the Civil Code.

The article applies the dogmatic-legal method, based on the interpretation of legal provisions, case law and scholarly view as well as selected soft-law instruments, including the KNF Recommendation U.

The findings confirm the admissibility of financing all insurance premium costs by the bank, while differentiating the assessment of charging interest on the financed commission. The study also identifies information duties of banks acting as intermediaries and signals that, where justified by the purpose of the credit and consumer protection, such financing may constitute a separate contractual relationship.

Keywords:

bancassurance, financed credit costs, insurance agent commission, consumer protection, interest

JEL Codes

G21, G22, K12, K22, K23


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Mrzygłód, C. (2026). The legal aspects of financing insurance premium costs by a bank acting as an insurance intermediary. Safe Bank, 101(4), 64–81. https://doi.org/10.26354/bb.4.4.101.2025

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