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TRANSPARENCY POLICY

BMI INSURANCE BROKERS, CORREDURIA DE SEGUROS (hereinafter The Broker) uses websites and other remote communication methods to offer or compare insurance products. In order to comply with the provisions of article 134.3 of Royal Decree-Law 3/2020, of February 4, of urgent measures by which various directives of the European Union are incorporated into the Spanish legal system in the field of public procurement in certain sectors; private insurance; of pension plans and funds; of the tax field and tax litigation this document sets out our internal policy in this matter. It should be read together with our Terms of Use.

PARTICULAR CONDITIONS OF THE SERVICE:

LEGAL NOTICE FROM THE INSURANCE SERVICE

In compliance with the provisions of Law 34/2002 of 11 July of the Information Society Services and Electronic Commerce, we inform you that the current website is the property of SI COMPARE, S.L., Tax ID Number B93687572, and registered office located at, CALLE PARTIDO PUERTO LA PALMA, NUM. 490 , C.P. 29108 GUARO (ALMERIA).

EXTERNAL BROKERAGE COLLABORATION SERVICE

This service is provided as an External Collaborator for the Brokerage of bmi INSURANCE BROKERS, by virtue of Article 8 of Law 26/2006 of 17 July on mediation for private insurance and reinsurance. Information provided by the Brokerage is presented under this agreement.

The information for the brokerage is as follows:

Registered name. BMI BROKERS CORREDURÍA DE SEGUROS S.L. (BMI), CIF: B-29.701.802, Address: Ctra. De Mijas, km 4.5, Centro Nórdico, Local 6, Mijas (Málaga).

Registered in the mercantile registry of Málaga, tomo 1641, folio 150, inscription on page ma-19797, telephone number: 952 582 282. Registered with the Directorate-General for Insurance and Pension Funds on the 15^th of September 1993 with inscription key J0067.
The company is in possession of Liability Insurance in accordance to Law 26/2006 of 17 July.

The validity of the administrative authorization for acting in a brokerage capacity can be confirmed on the Directorate-General for Insurance and Pension Funds website (https://www.dgsfp.meh.es/Mediadores/PUICCAA.asp), (Inscription key registry J0067).

Professional Independence

The Brokerage carried out is free from any of the attachments that may affect all the insurance entities. In this sense, it offers independent, professional, and impartial advice that is tailored to the requirements of the users. The offer requested and/or presented by us is the result of independent and objective advice provided by this Brokerage who, among the same type of insurances from different insurance bodies, has proposed the insurance that they believe, according to their profession criteria, is best adapted to the requirements of the applicant and, taking into account both the information provided by the applicant and the fact that the broker has over 20 years of experience within this market.

Customer services and customer satisfaction

In accordance with current legislation, this Brokerage has an external Customer Services Department for resolving complaints and claims within a space of two months starting from the date of submission – Malaga (Mijas & Marbella) Tel: 952 582 282, E-mail: bmi@bmispain.com.

Selection and comparison of the insurance products

Criteria used for the selection and comparison of the products of the insurance companies: We carry out an analysis of a sufficient number of insurance contracts offered in the market, comparing their coverage and exclusions, the conditions set, as well as the insurance premiums, selecting those that provide the most appropriate contracts to cover the needs and interests of our clients.

When carrying out this analysis, we assess the internal processes of the insurance companies, both at the time of hiring and contract management, paying special attention to the procedures they have in place for claims management (valuation, professionals, response times, financial settlements, ...)

Insurance entities and contractual relationship

The relationship with the Insurance Entities derived from the insurance distribution activity carried out by the Insurance Broker are governed by agreements that in no case compromise or affect their independence in the objective analysis carried out, and on which its work is based.

Compensation

The economic compensation for the service provided by The Broker does not entail any fee to its clients. Insurance companies remunerate the service provided by the Broker via commissions considering it an external cost of its commercialization. The mediation of the Broker does not imply an increase in the insurance premiums set by Insurers, so that the service offered by the Broker can only add value to the distribution process of the insurance products in which it intervenes.

Insurance price

The Broker cannot guarantee the price of the insurance policy that is provided at the end of the client's application process on the online comparison tool, because it is necessary to verify the data provided, and also in some cases additional information is required from the client in the process of advice and telephone contracting.

Information update

As a result of technological developments and the digitization of communications between insurance companies and the broker, communications are made online, immediately, on the products offered; new products, variations or extinctions of existing ones.

As a result of the above, the analysis and updating of the information of the insurance contracts offered through this website, in general, is updated through digital communications made between insurers and broker. However, the insurance companies with which we do not currently maintain a digital connection (web service), analyzing and updating the information on the products offered by the insurance companies at least once a year.

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