How to become an insurance broker in Italy

Which route applies to you

The RUI covers intermediaries resident in Italy or with a registered office there (art. 109 of the Italian Insurance Code, Legislative Decree 209/2005). A broker based in another member state works in Italy under the freedom of establishment or the freedom to provide services instead, under articles 116-quater and 116-quinquies of the Code.

Requirements for RUI Section B

• An upper secondary school diploma, or a corresponding foreign qualification, held by the exam application deadline (art. 84 of IVASS Regulation 40/2018). Check the equivalence of a foreign diploma before you apply.
• Good repute: full civil rights, no final convictions for the offences listed in art. 110 of the Code, no bankruptcy.
• No incompatibility: you cannot be a full-time public employee, or part-time beyond half of full hours, and you cannot be on the roll of insurance loss adjusters.
• A pass in the IVASS aptitude exam.
• Professional liability insurance valid across the EU, or registration as inactive until you buy it.
• Membership of the guarantee fund for brokers managed by Consap.
• A certified e-mail address (PEC) and an Italian digital identity (SPID, CIE or CNS) to use the RUI portal.

The IVASS exam

The aptitude exam is a written multiple-choice test. The insurance module has 50 questions in 75 minutes: one point for a correct answer, nothing for a blank, minus half a point for a wrong answer. You pass with at least 60/100, so 30 points out of 50. Topics include insurance law and IVASS regulations, pension schemes, agency and brokerage rules, insurance technique, consumer protection, private law and insurance taxation.

IVASS names each round after the year it was called, so the "2025 session" takes place in 2026, on two dates: 11 June and 3 December 2026 at the Nuova Fiera di Roma. Applications for the December date run from 1 September to 12:00 on 15 October 2026, through an online form that needs SPID or CIE. The fee is €70 paid via PagoPA plus a €16 revenue stamp. IVASS publishes the full question bank with answers, and the exam questions are drawn from it, but the bank, the forms and the notices are all in Italian.

Registering in Section B

1. 01

   Buy professional liability cover

   From an insurer authorised for class 13, valid in all member states. Minimum limits are €1,564,610 per claim and €2,315,610 per year since 9 October 2024 (Delegated Regulation (EU) 2024/896). The policy must also cover claims notified up to three years after it ends.

2. 02

   Join the Consap guarantee fund

   Mandatory for Section B (art. 115 of the Code). The 2026 contribution is 0.06% of the commissions earned in 2025.

3. 03

   Apply on the RUI portal

   Log in with SPID, CIE or CNS, enter a €16 revenue stamp and confirm payment of the €168 government licence tax. IVASS has 90 days to complete its review and replies through the portal.

A company can also register as a broker. It needs a registered office in Italy, at least one person in charge of distribution registered in Section B, and its legal representative, plus any managing or general director, registered in Section B as well (art. 112 of the Code).

What it costs and how long it takes

On the 2026 calendar, a candidate who applied by 15 April sat the exam on 11 June and had the result on 25 June. With the registration filed straight after, IVASS had until late September to decide. After that, you owe at least 30 hours of professional training every calendar year, starting the January after you register.

Already a broker in another EU country

Under art. 38 of IVASS Regulation 40/2018, your home supervisor sends IVASS a notification and you are added to the Annex List to the RUI. For services provided across the border, you can start once your home supervisor confirms that the notification has been made (art. 116-quater of the Code). The Annex List shows your home supervisor, the regime you operate under and, for a branch, its Italian address and manager.

Being on the Annex List does not exempt you from Italian rules of general good, such as conduct rules and pre-contractual disclosure. IVASS publishes a list of those provisions for foreign intermediaries.

Getting started without carrier agreements

Registration lets you broker insurance, but it does not give you products. You need agreements with insurers, or a horizontal collaboration agreement with another registered intermediary, which makes both of you jointly liable to the client (art. 42 of Regulation 40). Another option is to work on the agreements of an established broker while you build your own. That is what the broker insurance mandate on Aron offers: one agreement with MioAssicuratore S.r.l., a Section B broker since 2016, covering more than 25 insurers.

If you read Italian, the Italian version of this guide covers the same route with links to our guides on the exam and on RUI registration.

Sources

1. Codice delle assicurazioni private (D.Lgs. 209/2005), art. 109
2. Codice delle assicurazioni private (D.Lgs. 209/2005), art. 110
3. Codice delle assicurazioni private (D.Lgs. 209/2005), art. 112
4. Codice delle assicurazioni private (D.Lgs. 209/2005), art. 115
5. Codice delle assicurazioni private (D.Lgs. 209/2005), art. 116-quater
6. Regolamento IVASS n. 40/2018, testo consolidato (aggiornato al Provvedimento n. 169/2026)
7. IVASS, Prova di idoneità in corso (sessioni 2026)
8. IVASS, Avviso del 2/2/2026 su domanda e contributo di partecipazione (prova RUI, sessione 2025)
9. IVASS, Avviso di convocazione della prima sessione dell'11/6/2026
10. Regolamento delegato (UE) 2024/896 (massimali RC e capacità finanziaria degli intermediari)
11. Tariffa delle tasse sulle concessioni governative allegata al D.P.R. 641/1972, Titolo VII, art. 22 «Iscrizione agli albi» (dal 1/1/2027 art. 15 della Tariffa del D.Lgs. 174/2024, stesso importo)
12. Provvedimento IVASS n. 173 del 1/10/2026, contributo di vigilanza 2026 degli iscritti al RUI (copia pubblicata da DirittoBancario)
13. Consap, Fondo di garanzia per i mediatori di assicurazione (contributo 2026)
14. Regolamento IVASS n. 7/2014, Allegato 1 (termini dei procedimenti, come sostituito dal Provv. 164/2025)
15. IVASS, open data del RUI (file CSV scaricati il 14/10/2026)

Rules, amounts and dates change. The information was checked against the sources below on the date shown at the top: check the version in force before you act. This guide is for information only and is not legal advice.