Streszcz. ang. s. 545. Bibliogr. s. 561-564

The paper explores robo-advisors under the European Union regulatory framework in the insurance sector. The article aims to analyse the framework established at the EU level with a view to its assumptions and possible implications for the self-determination of users deploying the services of robo-advisors. Specifically, the article analyses how the EU regulatory framework promotes or hinders user self-determination in deploying robo-advisory services. The article sets out by examining technological foundations of robo-advisors and their data-driven decision-making processes. Subsequently, it analyses respective EU legal frameworks governing robo-advisors and assesses user online experience, from the initial login to receiving product recommendations or referrals to different providers. In conclusion, the article analyses different regulatory approaches with a view to ensuring a high level of protection for user of robo-advisory services in the insurance sector.