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Part I. The Harmonization Achieved under the Insurance Distribution Directive: Insurance Distribution Directive and Cross-Border Activities by Insurance Intermediaries in the EU by Isabelle Audigier -- Information Duties Stemming from the Insurance Distribution Directive as an Example of Faulty Application of the Principle of Proportionality by Marta Ostrowska -- The Contribution of Product Oversight and Governance (POG) to the Single Market: A Set of Organizational Rules for Business Conduct by Pierpaolo Marano -- The IDD and its Impact on the Life Insurance Industry by Kyriaki Noussia -- Insurance-Based Investment Products: Regulatory Responses and Policy Issues by Michele Siri -- Part II. The Insurance Distribution Directive as a "Benchmark" for National Legislators: The Notion of "Employee" in the IDD: A Harmonized Interpretation Based on the EU Law by Anna Tarasiuk and Bartosz Wojno -- Ensuring the Customer's Best Interest in the Polish Insurance Market by Wojciech Paś -- Insurance Distribution Carried Out by Insurers in Spain by Javier Vercher-Moll -- Enaction of Chapter VII of the Insurance Distribution Directive – What Can Member States Learn from the Enforcement Failures of the United States? by Kathleen M. Defever -- What Can the Insurance Distribution Directive "Offer" the South African Microinsurance Model? by Samantha Huneberg -- Part III. The Interplay between the Insurance Distribution Directive and other Regulations/Sciences: The Interplay between the GDPR and the IDD by Viktoria Chatzara -- Regulating Telematics Insurance. Role for the IDD to Complement the GDPR on Improving Consumer Data Protection in the Context of Telematics Insurance by Freyja van den Boom -- Considering the IDD within the EU legal framework on ADR systems by Flaminia Montemaggiori -- IDD and Distribution Risk Management by Jorge Miguel Bravo -- Redefining Product Management – IDD's perspective by Diana Renata Bozek -- Part IV. An Empirical Analysis of the Standardised Pre-Contractual Information Document: The Reality of the Promised Increase in Customer Protection under the Insurance Distribution Directive by Christian Bo Kolding-Krøger, Aalykke Hansen and Amelie Brofeldt. .

This book examines in some detail how our concepts of an ideal or `universal' audience influence legal argument. It shows how asking what are the arguments and the forms of argumentation that we believe would be accepted by such an audience, is a useful analytical tool. The book explores what, if any, are the constraints that our vision of an ideal audience imposes on public discourse and particularly on legal discourse. Some visions of a universal audience are widely shared; others are only shared within particular political and legal cultures. Stylistic preferences can have as important an influence on legal decision making as do substantive preferences. In some cultures and legal systems there is a preference to resort to broad general principles; in others there is a preference for a more circumscribed and particular mode of legal argument. Different legal cultures have different idealized notions as to the role of the judge. Different conceptions of the role of the judge will influence many aspects of legal decision making, including how statutes and other authoritative official instruments should be interpreted. All these issues will also be influenced by how a particular legal culture envisions the common or public good and by how tolerant a particular legal culture is of diverse outcomes, that is by how much discretion superior legal decision makers are prepared to grant inferior decision makers. This volume will be of interest to academics and professionals in the fields of legal philosophy, argumentation and comparative law

The rise of social movements in US legal scholarship is a current response to an age-old problem in progressive legal thought: harnessing law for social change while maintaining a distinction between law and politics. This problem erupted in controversy around the civil rights–era concept of legal liberalism defined by activist courts and lawyers pursuing political reform through law. Contemporary legal scholars have responded by building on social science to develop a new concept — movement liberalism — that assigns leadership of transformative change to social movements to preserve conventional roles for courts and lawyers. Movement liberalism aims to achieve the lost promise of progressive reform, while avoiding critiques of legal activism that have divided scholars for a half-century. Yet rather than resolving the law-politics problem, movement liberalism reproduces long-standing debates, carrying forward critical visions of law that it seeks to transcend.