since 7/2007
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international health, medical and travel insurance cover
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Ley 26/2006, de 17 de julio, de mediación de seguros y reaseguros privados
Maritime plan - international health cover (crew only)
Oil and Gas Industry - health insurance
Teachers - international health cover (Spain)
www.e-agentelocaldeseguros.com
Insurance intermediary / Agente
Chapter 1. Scope and definitions
Article 2
Definitions
For the purpose of this Directive:
1. "insurance undertaking" means an undertaking which has received official authorisation in accordance with Article 6 of Directive 73/239/EEC or Article 6 of Directive 79/267/EEC;
2. "reinsurance undertaking" means an undertaking, other than an insurance undertaking or a non-member-country insurance undertaking, the main business of which consists in accepting risks ceded by an insurance undertaking, a non-member-country insurance undertaking or other reinsurance undertakings;
3. "insurance mediation" means the activities of introducing, proposing or carrying out other work preparatory to the conclusion of contracts of insurance, or of concluding such contracts, or of assisting in the administrationand performance of such contracts, in particular in the event of a claim.
These activities when undertaken by an insurance undertaking or an employee of an insurance undertaking who is acting under the responsibility of the insurance undertaking shall not be considered as insurance mediation.
The provision of information on an incidental basis in the context of another professional activity provided that the purpose of that activity is not to assist the customer in concluding or performing an insurance contract, the management of claims of an insurance undertaking on a professional basis, and loss adjusting and expert appraisal of claims shall also not be considered as insurance mediation;
4. "reinsurance mediation" means the activitities of introducing, proposing or carrying out other work preparatory to the conclusion of contracts of reinsurance, or of concluding such contracts, or of assisting in the administration and performance of such contracts, in particular in the event of a claim.
These activities when undertaken by a reinsurance undertaking or an employee of a reinsurance undertaking who is acting under the responsibility of the reinsurance undertaking are not considered as reinsurance mediation.
The provisions of information on an incidental basis in the context of another professional activity provided that the purpose of that activity is not to assist the customer in concluding or performing a reinsurance contract, the management of claims of a reinsurance undertaking on a professional basis, and loss adjusting and expert appraisal of claims shall also not be considered as reinsurance mediation;
5. "insurance intermediary" means any natural or legal person who, for remuneration, takes up or pursues insurance mediation;
6. "reinsurance intermediary" means any natural or legal person who, for remuneration, takes up or pursues reinsurance mediation.
7. "tied insurance intermediary" means any person who carries on the activity of insurance mediation for and on behalf of one or more insurance undertakings in the case of insurance products which are not in competition but does not collect premiums or amounts intended for the customer and who acts under the full responsibility of those insurance undertakings for the products which concern them respectively.
Any person who carries on the activity of insurance mediation in addition to his principal professional activity is also considered as a tied insurance intermediary acting under the responsibility of one or several insurance undertakings for the products which concern them respectively if the insurance is complementary to the goods and services supplied in the framework of this principal professional activity and the person does not collect premiums or amounts intended for the customer;
8. "large risks" shall de defined by Article 5(d) of Directive 73/239/EEC;
9. "home Member State" means:
a) where the intermediary is a natural person, the Member State in which his residence is situated and in which he carries on business;
b) where the intermediary is a legal person, the Member State in which its registered office is situated or, if under its national law it has no registered office, the Member State in which its head office is situated;
10. "host Member State" means the Member State in which an insurance or reinsurance intermediary has a branch or provides services;
11. "competent authorities" means the authorities which each Member State designates under Article 7;
12. "durable medium" means any instrument which enables the customer to store information addressed personally to him in a way accessible for future reference for a period of time adequate to the purposes of the information and which allows the unchanged reproduction of the information stored.
In particular, durable medium covers floppy disks, CD-ROMs, DVDs and hard drives of personal computers on which electronic mail is stored, but it excludes Internet sites, unless such sites meet the criteria specified in the first paragraph.
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