The article consist the analysis of the customer needs in the light of conclusion of contracts for the next
insurance period. The Insurance Distribution Act of 15 December 2017 in art. 8 introduced requirement
to specify the customer requirements and needs before concluding the insurance contract or insurance
guarantee contract. This statutory and pre-contractual obligation rest on insurance distributors.
The major issue on the insurance market is the purchase of products by customers that do not meet
their needs. The inadequacy of the insurance product leads to the lack of insurance cover in the context
of certain insurance risk and excessive, unnecessary insurance protection. The purpose of the article
is to discuss that matter on the example of various types of insurance contract
