What reasons are there to hold the bank liable in a fraudulent insurance selling practice by a bancassurance sales representative?

From the early 1980s onwards, bancassurance was used to designate the joint offer of banking and insurance products through the same distribution network. The importance of bancassurance In 2009, bancassurance, similar to the distribution of insurance products by bank counters, accounts for almost 35% of the market in life and health insurance. The share of life insurance is predominant in France in the long-term savings of households. Definitions Cross-product distribution What is bancassurance? The supply of bancassurance products is mainly based on property and personal insurance. These are the main insurance products regularly marketed, including, by insurer bankers. Adaptations to the new market Customer service, Insurance products

Fraud is a wide range of practices from a salesperson perspective, it could be hiding facts or misleading information, but it's the responsibility of the buyer to read the offer or the policy before signing and make sure he interprets them properly. 

In the western world for example, insurance policies are lengthy, and the amount of definitions and explanations is higher than MENA, because insurance policies by law are required to be readable by a 3rd grader (a kid on the age of 9), thus enabling everyone to understand the policy. In MENA the wording of insurance policies and terminology used, only understandable by insurance workers or by experience, and we always find a client or policyholder that is not in fully awareness of the policy terms and conditions.