TRANSPARENCY POLICIES
As insurance brokers, at PERIS CORREDURÍA DE SEGUROS, S.A., we use websites and other remote communication techniques to offer or compare insurance products.
To comply with the provisions of Article 134 of Royal Decree-Law 3/2020, of February 4, on urgent measures incorporating various European Union directives in the field of public procurement in certain sectors; private insurance; pension plans and funds; the tax area and fiscal disputes, this document contains our internal policy on this matter.
Criteria used for the selection and comparison of insurance entity products
We conduct a comprehensive analysis of a wide range of insurance contracts available in the market. This includes comparing coverages, exclusions, overall terms and conditions, as well as insurance premiums. From this, we select the contracts that best meet the needs and interests of our clients.
When conducting this analysis, we evaluate the internal processes of the insurance entities, both at the time of contracting and managing the contract, paying special attention to the procedures they have in place for claim management (assessment, professionalism, response times, economic settlements, etc.).
Insurance entities and contractual relationship
Our relationships with insurance entities derived from the insurance distribution activity are governed by agreements that we freely agree upon, without these in any way affecting our independence. The commercial contracts we sign with insurance entities are called “Letters of Conditions.”
The entities with which our clients formalize their insurance contracts depending on the subscribed insurance modality are the following:
AEGON ESPAÑA, SOCIEDAD ANÓNIMA DE SEGUROS Y REASEGUROS (C0789): Health insurance, benefits in this category can be provided as lump sums, as compensation, either through reimbursement of incurred expenses or by guaranteeing the provision of the service. Price not guaranteed.
ALLIANZ, COMPAÑÍA DE SEGUROS Y REASEGUROS, S.A. (C0109): Travel assistance for the vehicle and its occupants, Automobile Insurance (Compulsory Third-Party Liability Insurance, Voluntary Third-Party Liability Insurance, Damage Defense and Claims, and Legal Defense), Accident Insurance (death and disability of the driver; benefits in this category can be lump sum, indemnity, or a combination of both). Guaranteed price.
ARAG SE SUCURSAL EN ESPAÑA (E0210): Legal defense insurance. Price guaranteed.
ASISA, ASISTENCIA SANITARIA INTERPROVINCIAL DE SEGUROS, S.A., SOCIEDAD UNIPERSONAL (C0461): Health insurance, benefits in this category can be provided as lump sums, as compensation, either through reimbursement of incurred expenses or by guaranteeing the provision of the service. Price not guaranteed.
AXA SEGUROS GENERALES, S. A. DE SEGUROS Y REASEGUROS (C0723): Travel assistance for the vehicle and its occupants, Motorcycle Insurance (Compulsory Third-Party Liability Insurance, Voluntary Third-Party Liability Insurance, Damage Defense and Claims, and Legal Defense), Illness (health): Benefits in this category can be provided as lump sums, as compensation, either through reimbursement of incurred expenses or by guaranteeing the provision of the service, Civil Liability (for hunting and fishing activities). Price not guaranteed.
CAJA DE SEGUROS REUNIDOS, COMPAÑÍA DE SEGUROS Y REASEGUROS, S.A. (CASER) (C0031): Travel assistance for the vehicle and its occupants, Automobile Insurance (Compulsory Third-Party Liability Insurance, Voluntary Third-Party Liability Insurance, Damage Defense and Claims, and Legal Defense). The price may not be guaranteed.
DKV SEGUROS Y REASEGUROS, SOCIEDAD ANÓNIMA ESPAÑOLA (C0161): Health insurance, benefits in this category can be provided as lump sums, as compensation, either through reimbursement of incurred expenses or by guaranteeing the provision of the service. Price not guaranteed.
GENERALI ESPAÑA, SOCIEDAD ANÓNIMA DE SEGUROS Y REASEGUROS (C0072): Travel assistance for the vehicle and its occupants, Automobile Insurance (Compulsory Third-Party Liability Insurance, Voluntary Third-Party Liability Insurance, Damage Defense and Claims, and Legal Defense). Price not guaranteed.
LIBERTY SEGUROS, COMPAÑÍA DE SEGUROS Y REASEGUROS, S.A. (C0467): Travel assistance for the vehicle and its occupants, Automobile Insurance (Compulsory Third-Party Liability Insurance, Voluntary Third-Party Liability Insurance, Damage Defense and Claims, and Legal Defense). The price may not be guaranteed.
MAPFRE ESPAÑA, COMPAÑÍA DE SEGUROS Y REASEGUROS, S.A. (C0058): Travel assistance for the vehicle and its occupants, Automobile Insurance (Compulsory Third-Party Liability Insurance, Voluntary Third-Party Liability Insurance, Damage Defense and Claims, and Legal Defense). Guaranteed price.
MUTUA MADRILEÑA AUTOMOVILISTA, SOCIEDAD DE SEGUROS A PRIMA FIJA (M0083): Travel assistance for the vehicle and its occupants, Motorcycle Insurance (Compulsory Third-Party Liability Insurance, Voluntary Third-Party Liability Insurance, Damage Defense and Claims, and Legal Defense). Price not guaranteed.
PELAYO, MUTUA DE SEGUROS Y REASEGUROS A PRIMA FIJA (M0050): Travel assistance for the vehicle and its occupants, Automobile Insurance (Compulsory Third-Party Liability Insurance, Voluntary Third-Party Liability Insurance, Damage Defense and Claims, and Legal Defense). Price not guaranteed.
REALE SEGUROS GENERALES, S.A. (C0613): Travel assistance for the vehicle and its occupants, Automobile Insurance (Compulsory Third-Party Liability Insurance, Voluntary Third-Party Liability Insurance, Damage Defense and Claims, and Legal Defense). Price not guaranteed.
SANITAS, SOCIEDAD ANÓNIMA DE SEGUROS (C0320): Health insurance, benefits in this category can be provided as lump sums, as compensation, either through reimbursement of incurred expenses or by guaranteeing the provision of the service. Price not guaranteed.
SEGURCAIXA ADESLAS, SOCIEDAD ANÓNIMA DE SEGUROS Y REASEGUROS (C0124): Health insurance, benefits in this category can be provided as lump sums, as compensation, either through reimbursement of incurred expenses or by guaranteeing the provision of the service. Price not guaranteed.
Remuneration
The remuneration we receive from insurance entities for our insurance distribution activity takes the form of commissions.
This amount is part of the external management expenses of the insurance entities and is included in the insurance premium paid by the client to the insurance entity.
Price guaranteed
The price listed in the offers is not guaranteed in all cases.
Information update
The analysis of the offered insurance contracts, as well as the selected insurance entities and the premium amounts, are updated monthly, with January as the reference month for each year.
General warning
The information provided in these transparency policies does not constitute a contractual recommendation. The finalization of the insurance relationship is deferred until the policy is signed with the insurance company and the premium chosen by the client is paid.
Please note that if the content of the policy differs from the insurance proposal or the agreed clauses, the policyholder may file a claim with the insurance company within one month from the date of delivery of the policy to correct the existing discrepancy. If no claim is made within that period, the provisions of the policy will apply. (Article 8 of Law 50/1980 of October 8, on Insurance Contracts).
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