Information to be provided to the client beforehand

How we work

We carry out our insurance distribution activity on the client's behalf, providing advice based on an objective and personalised analysis as set out in the Spanish Insurance and Reinsurance Distribution Act, thereby guaranteeing the protection of clients' rights.

For your information, and for the purposes legally required under the Insurance Distribution Act, we inform you that this broker/brokerage:

Administrative registration

Complies with all the requirements set out in the Act, being entered in the Special Administrative Register of Insurance Intermediaries, Reinsurance Brokers and their Senior Officers under registration number J2690, which you may verify on the website of the Directorate-General of Insurance and Pension Funds (Dirección General de Seguros y Fondos de Pensiones, DGSFP) at dgsfp.mineco.es

Professional liability and financial capacity

Holds a Professional Liability policy with CGPA EUROPE Underwriting, S.L. underwriting agency and has the financial capacity legally required, all in compliance with the provisions of the Insurance and Reinsurance Distribution Act.

Customer service, complaints and claims

We have an outsourced customer service department responsible for handling and resolving your complaints and claims, through AUNNA ASOCIACIÓN DE EMPRESARIOS CORREDORES DE SEGUROS (Spanish association of insurance broker businesses), whose details are as follows:

Data protection

The brokerage, as data controller, processes your personal data in accordance with the provisions of the EU General Data Protection Regulation, details of which are set out in a separate policy document made available to you.

Remuneration

The remuneration received in connection with the insurance contract takes the form of a commission and is paid by the Insurance Company.

Independence and objective analysis

This brokerage has no shareholding ties with insurance companies in either direction. Insurance brokers/brokerages are the only professionals qualified to advise you with the strictest independence and impartiality from insurance companies.

For this reason, the advice we provide is based on an objective analysis, consisting of a general review of insurance contracts offered by a sufficient number of insurance companies operating in the market, considering what best matches your request through a merit-based assessment, in order to arrive at a properly personalised cover recommendation for your requirements and needs.

Communications with the insurer

The brokerage likewise informs the client of the content of Article 21 of Law 50/1980 on Insurance Contracts, whereby any communications the intermediary sends to the insurer shall have the same effect as if made by the interested party (policyholder) themselves.

Client authorisation to the brokerage

By means of this document, and under the principle of party autonomy, the client gives express consent and authorises the brokerage to request quotes, amend or cancel current insurance contracts, and to act as intermediary and arrange new insurance contracts on their behalf, for the better protection of the client's rights.

Your best support before, during and after taking out your insurance, always on your side to defend your interests!