Web owner: Canarisk Consultants Insurance Brokerage SL
Address: C/ Puerta Canseco, 49 1º-3 CP 38003 Santa Cruz de Tenerife
Email: [email protected]
Phone: 922 296 656
NIF: B76571892
DGS Registration: J-0076 cac
What criteria we use to choose and compare the products of insurance companies.
Insurance brokers/brokers are the only qualified professionals empowered to advise you from the strictest independence and impartiality, with respect to insurance entities. For this reason, the advice that we submit for your consideration has been based on an objective analysis, consisting of a generalized analysis of insurance contracts offered by a sufficient number of insurance entities that operate in the market, considering what corresponds to your request and your profile within an assessment of merits to seek a correct personalized coverage recommendation for your requirements and needs.
That is why we negotiate distribution agreements with insurance companies, generalists and specialists, who are capable of offering the best insurance products. Being able to propose the best alternative suitable for your needs.
Apart from the experience gained over the years and the knowledge we have of the sector, the criteria that have been taken into account in choosing the Insurance Companies with which to establish commercial relations, in order to proceed with the placement of the risks will be based on the following premises:
We analyze the solvency of the entity on which it is intended to distribute its products and that have administrative authorization from the General Directorate of Insurance and Pension Funds.
We examine the conditions of the policies of those to the Insurance Branches that are of interest to our clients, reviewing the coverage, exclusions, franchises, prices and other conditions, in addition to assessing aspects such as service, attention, management in the event of an accident
Insurance entities on which we offer products and the contractual relationship with the distributor.
In accordance with insurance distribution regulations, we agree on the best conditions for the distribution of products with insurance companies without these contracts in any way affecting our independence as advisers. Since the broker performs his work in favor of the client and not the company.
As a result of these commercial agreements, we offer potential policyholders the possibility of subscribing to insurance products with the following companies. AXA, GENERALI, ZURICH, REALE, MAPFRE, PLUS ULTRA, LIBERTY, DKV, ADESLAS, SANITAS, ASEFA, EUROPE ASSISTANCE, ERV, WR BERKLEY, MARKEL, HISCOX, AIG, MIC, CREDITO Y CAUCION, DUAL, LLOYDS, HELVETIA, FIATC
How much does the service we provide cost?
In principle, the service we provide has no cost to the client. As established by the regulations that regulate our activity, the remuneration received by the insurance broker from the insurer is in the form of commissions.
In some cases, due to the complexity of the product or as in the sale of investment products based on insurance, the collection of fees could be agreed with the client in writing and the amount or the way of calculating it will be previously informed, issuing in this case an invoice separate from the premium receipt.
If the price of the insurance that appears at the end of the process is guaranteed or not.
Through our multi-pricing process you will quickly and easily obtain the prices and comparisons of the options we offer. Depending on each company, you will be informed if the final price is guaranteed or if it can vary depending on the risk and coverage. But you will always know the final price when hiring.
For distance contracting by other means, we will always inform you of the final price of the insurance premium.
Insurance contracted remotely (whether life or non-life)
Policyholders are recognized the right to withdraw from the contract without stating the reasons and without any penalty provided that:
These are NOT contracts in which the policyholder assumes the risk of the investment or in which the guaranteed return is based on the investments assigned to the contract (unit-linked insurance).
It is NOT about travel insurance or baggage lasting less than one month.
It is NOT insurance with a duration of less than the period set for withdrawal.
It is NOT mandatory insurance for the policyholder.
They are NOT insured pension plans (life insurance contracts with the same operation and purpose as pension plans).
The will to withdraw is sent to the insurer, on paper or other durable medium, within 14 days (non-life) or 30 days (life), counting from the notification to the policyholder that the contract has been concluded or from the reception of the contractual information if this reception were later.
In case of complaints and claims (if you do not already have it included)
We have a Customer Service Department designed to resolve them. Your claim will be resolved, in any case, within a maximum period of two months.
You can go to:
Name : AUNNA CUSTOMER SERVICE DEPARTMENT
Address: C/ Doctor Fleming, 53 28036 Madrid
E-mail: [email protected]
Phone: 910 339 615
If the resolution does not satisfy your interests or you do not receive a response within the deadline, you can contact the Complaints Service of the General Directorate of Insurance and Pension Funds
- On paper, addressing the letter to the Complaints Service of the General Directorate of Insurance and Pension Funds, located at Calle Miguel Ángel, 21 28010 Madrid (Provisional Headquarters).
- By telematic means with electronic signature, through the website of the General Directorate of Insurance and Pension Funds
This transparency policy will be reviewed annually and modified if there are any changes.
Costing approved and in force since February 2020.
