The IDD will require (re)insurers and intermediaries to provide certain pre-contract product information to customers. For non-life insurance, this information is to be provided in a standardised format produced by the product manufacturer. The information to be included is detailed in the IDD. However, its format and presentation is to be the subject of implementing technical standards to be developed by EIOPA. On 20 July 2016, Insurance Europe published mock-ups of possible forms of information document on its website; together with some commentary. This includes that the information documents should permit cross-referencing to other documentation (e.g. policy terms and conditions), employ a combination of graphics and text, be non-personalised and include a disclaimer.