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BJ1470 Barcelona
DK14709 Motorbike
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Further information;
Intermediary: Company name Mainly Health Plans SL
('Sociedad de agencia de seguros vinculada') operating in the European Economic Area
Company registered number / NIF: B19250372 Inscrito en el Registro Mercantil de Guadalajara: Documento:
1/2007/1.655,0 Diario: 14 Asiento: 779 Tomo 495 Libro: 0 Folio: 71
Hoja: GU-6611
Regulated by the Spanish Insurance and Pension Ministry
Registered
as a 'Linked insurance agency' with the Spanish
Government, number... with Civil Liability insurance
as required under Spanish Insurance Law (art. 21 de la Ley 26/2006, de Mediación de Seguros y Reaseguros
Privados)
and offering these insurance products.
Registered address: c/ Vizconde de Valoria 7, Yunquera de Henares 19210, Guadalajara, Castilla La Mancha, España ( Spain )
Correspondence address:
Apartado (PO Box) 19, 28760 Tres Cantos, Madrid, Spain
Telephone:
(+34) 609 522 300
Fax:(+34) 91 8032484
For an application form, more details or if you would like me to post you a copy of this quote: saniprof@mail.ddnet.es ( If you don't receive an answer in 24 hours / Si no le contesto dentro de 24 horas )
Liberty insurance products I am authorised to offer;
My after-sales service: David M Harris.com...Contact
Your rights: Your rights under Spanish insurance law - and please print your quote for future reference! (even though this quote will remain online for your information...)
( Why am I offering your quote in this format? )
Right to information and client protection regarding insurance mediation.
Section 1. Information requirements for insurance intermediaries.
Article 42. Information the insurance intermediary has to provide before signing an insurance contract
1. Before signing an insurance contract, the insurance intermediary should, at the very least, provide the client with the following information:
a) his / her identity and address.
b) The Register in which he / she is registered, along with the means for this to be registration to be checked.
c) If he / she owns a direct or indirect holding of more than 10% in the company or in the voting rights of any specific insurance company. (No)
d) If any insurance company or holding company of of such a company owns a direct or indirect holding of more than 10% of the voting rights or capital of the insurance intermediary. (No)
e) The procedures set out in article 44, allowing consumers and other interested parties to present complaints about insurance intermediaries (or re-insurance intermediaries) and, if required, about procedures enabling out of court complaint settlement, as set out in articles 45 and 46 of this law. (see)
f) Dealing with personal data, in accordance with that established in article 5.1 of the Data Protection Law (la Ley Orgánica 15/1999), dated 13th December 1999. (Done by Sanitas)
2. Furthermore, with regard to the way insurance is offered and prior to signing an insurance contract:
a) Exclusive (tied) insurance agents must inform the client that they are contractually bound to undertake insurance activities exclusively with one company, or if duly authorised, with one other insurance company. In this case, if the policyholder wishes, the name of the other insurance company must be given.
'Multi-tied' insurance agents ('agentes de seguros vinculados') must inform the client that they are not contractually bound to undertake insurance activities exclusively with one or several insurance companies and that they do not provide advice in the same way as that objective analysis required of brokers (Independent Financial Advisers - IFAs). In this case, if required by the client, the names of the insurance companies for which insurance mediation is undertaken, or for those insurance products offered, should be given.
To enable clients to receive information they have a right to know about those insurance companies insurance agents work for, insurance agents must inform clients about the right to request this information.
b) Insurance offered via bank personnel, apart from the information provided in a), must inform the client that advice provided is given in order to sell insurance and not any other product the financial institution may sell.
c) Insurance brokers (IFAs) must inform the client that advice is given in accordance with section 4 of this article when undertaking objective analysis.
3. The right to have information before signing (as set out in the 2 previous texts) will also be applicable when the contract is modified if there are changes in the information given initially.
4. Advice related to undertaking objective analysis as required from insurance brokers (IFAs) will be given based on the analysis of sufficient insurance contracts offered in the market for the risks to be covered, so that a recommendation can be made, using professional criteria, about the insurance contract most suitable for the client's needs.
The existence of objective analysis based on a sufficient number of insurance contracts will be presumed in the the following cases:
a) When the insurance broker (IFA) has analysed in a general way, insurance contracts offered by at least three insurance companies that operate in the market for the risks to be covered.
b) When the insurance broker (IFA) has specifically designed insurance cover and negotiated with at least three insurance companies operating in the market for the risks covered, to offer the client those characteristics or meet the general needs the client has, exclusively based on the professional criteria of the insurance broker.
5. Specifically, based on information provided by the client, intermediaries must specify the requirements and needs of the client, apart from the motives that justify any kind of advice that could be given about a specific insurance product. These details have to resolve, at least, all the client's questions and related to the insurance contract proposed.
6. It won't be obligatory to provide the information described in previous paragraphs when a major risk is being insured: in those cases, re-insurance brokers won't be oblilgred either to provide the information set out in previous paragraphs.
7. Insurance intermediaries in the European Economic Zone operating in Spain under the freedom of movement or freedom for providing services must inform clients, in the same terms as set out in previous paragraphs, about whether advice is given based on objective analysis or if they are contractually bound to sell insurance exclusively with one or several insurance companies.
For your information: Insurance in Spain...