Legal Notice

This Legal Notice sets out, for transparency and in compliance with current regulations, information about the ownership of this website and the insurance mediation activity I carry out through miseguros.es.

1. Identification

I am registered in the special administrative register of insurance mediators kept by the Dirección General de Seguros y Fondos de Pensiones (DGSFP), the Spanish body under the Ministry of Economy that supervises insurance mediation activity in Spain. The registration can be checked through DGSFP's official channels.

2. Information about the activity

Through miseguros.es I provide a professional insurance mediation service that includes, among other functions:

• Personalised advice to help you identify the insurance solution best suited to your needs.
• Preparing quotes tailored to your situation.
• Distributing and formalising insurance policies between the client and the insurance company.
• Managing and supporting you throughout the life of the policy, including assistance with claims.

3. Nature of the relationship

It's important that you understand the nature of the service provided through this site:

• This website is not an online shop. No insurance is contracted directly through it; formalisation takes place through the process described in this document.
• I am not an insurance company. I do not assume the coverage of risks or the payment of benefits — those are exclusively the responsibility of the insurance company with which each policy is formalised.

4. Mediator vs insurer

To avoid any confusion, it's worth distinguishing clearly between the two roles:

• The mediator (Micol Astorri): advises you, prepares your quote, manages the formalisation of the policy and supports you throughout its term. I am your close, expert point of contact.
• The insurance company: assumes the risk, issues the policy, determines the coverage and pays out benefits in accordance with the terms of the contract.

Put simply: the mediator accompanies and manages; the insurer covers and is financially liable for the insured risk.

5. Information about the services

Through my mediation you can access a wide range of insurance solutions adapted to different personal and family needs — including home, funeral and life insurance, among other types. The product catalogue is open-ended: if you need specific cover that isn't listed, you can ask me and we'll look into the option that best fits your case.

6. Pre-contractual information

Before taking out any policy, you will receive the pre-contractual information required by insurance distribution regulations, which will allow you to make an informed decision. Depending on the product, this includes details on coverage, limits, exclusions, contract terms and the essential features of the policy you are about to take out.

7. Conflict of interest

In compliance with insurance distribution regulations, I inform you that I carry out my activity within the framework of an insurance agency relationship. My advice consists of guiding you and offering you, among the solutions I manage, the one that best fits your needs, with a personal, approachable manner and always focused on your interests.

I work with transparency and professional diligence, always prioritising your protection and the suitability of the solution to your specific situation.

8. Quoting process

• The quote is free and involves no commitment.
• To prepare it, I will need relevant information about your needs and circumstances, which you must provide truthfully and completely.
• Unless stated otherwise, the quote is valid for 30 days and is indicative and non-binding.

9. Taking out a policy

Taking out a policy requires:

• Accepting the terms of the insurance contract.
• Providing the documentation required by the insurance company.
• Paying the premium under the agreed terms.

The term, coverage, limits and exclusions are those set out in the specific and general conditions of the policy issued by the insurer, which constitute the reference contractual document.

10. Complaints

You can file a complaint easily, depending on the case:

• Complaints about the mediation service: contact me directly at micol@miseguros.es or call 624 185 167. I will handle it with the utmost diligence and as promptly as possible.
• Complaints about the policy (coverage, benefits or contract management): these must be handled by the insurance company and, where applicable, escalated to the relevant complaints and supervisory bodies for insurance matters, including the Dirección General de Seguros y Fondos de Pensiones (DGSFP).

11. Liability and limitations

The information published on this website is general and informative in nature and does not replace personalised advice or the specific terms of each policy. Within the limits permitted by law, I accept no liability for the use made of the general information on the site without accompanying advice, nor for interruptions or technical incidents beyond my control. Coverage and benefits are always those set out in the contractual documentation issued by the insurance company.

12. Data protection

The processing of your personal data is carried out in accordance with Regulation (EU) 2016/679 (GDPR) and Spanish Organic Law 3/2018 on the Protection of Personal Data and the guarantee of digital rights. You can find full information on what data I process, for what purpose, and how to exercise your rights in my Privacy Policy (currently available in Spanish only).

13. Intellectual property

All content on this website — texts, designs, graphics, typefaces, images and their layout — is protected by intellectual and industrial property regulations and belongs to Micol Astorri or is used with due authorisation. Reproduction, distribution or public communication of this content, in whole or in part, is prohibited without prior written authorisation.

14. Validity of this notice

This Legal Notice is valid from the date of its last update. I reserve the right to amend it to reflect legislative developments or changes in my activity, publishing the updated version on this page.

15. Applicable regulations

Insurance mediation activity through miseguros.es is governed, among others, by the following regulations:

• Law 34/1988, on the regulation of private insurance.
• Directive (EU) 2016/97, on insurance distribution, and the Spanish regulations implementing it.
• Regulations and guidelines of the Dirección General de Seguros y Fondos de Pensiones (DGSFP).
• Regulation (EU) 2016/679 (GDPR) and Organic Law 3/2018 on data protection.

16. Contact