{"id":4931,"date":"2021-02-17T11:33:17","date_gmt":"2021-02-17T11:33:17","guid":{"rendered":"https:\/\/www.pbfseguros.com\/?p=4931"},"modified":"2021-02-17T11:36:58","modified_gmt":"2021-02-17T11:36:58","slug":"can-the-banks-oblige-you-to-take-out-insurance-with-them","status":"publish","type":"post","link":"https:\/\/www.pbfseguros.com\/en\/blog-en\/can-the-banks-oblige-you-to-take-out-insurance-with-them\/","title":{"rendered":"Can the banks oblige you to take out insurance with them?"},"content":{"rendered":"

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Can the banks oblige you to take out insurance with them?<\/p>\n

With current interest rates at an all-time low and debtors on the rise in addition to raised commissions, traditional banking business is under pressure. As a consequence banks are looking for new lines of business in which they do not specialize in order to compensate for their losses.
It is already common practice that when applying for a Mortgage Loan, Personal Credit or ICO, for freelancers and Companies, the bank \u201coffers\u201d insurance in order to \u201cqualify for the loan\u201d.<\/p>\n

It is ILLEGAL to link a credit operation to any insurance, the client is free to contract insurance with the Insurer of their choice, who offers the best conditions without any change to the loan conditions. \u201c(Mortgage Law and RD Distribution of Insurance)\u201d<\/p>\n

Let’s not forget that banks are not Insurance Specialists, they work with an Insurer, their main focus is economics and not customer advice or service.<\/p>\n

The bank is hardly going TO GIVE YOU AFTER SALES SERVICE IN THE CASE OF A CLAIM, when in fact they fall short on banking customer care.
Note, the RD Insurance Distribution Law obliges the Insurance Distributor to provide this after-sales service.<\/p>\n

With Mortgage Loans, the practice of \u201ccombining\u201d insurance when contracting a Loan is widespread under the pretext of a higher credit rating.<\/p>\n

You may actually pay less or the same with a Broker, however a Broker will personalise your insurance requirements and not just those of the bank (obligatory cover for building), in addition and more importantly a Broker will provide you with SERVICE WHEN YOU HAVE A CLAIMAND AFTER SALES CARE.<\/p>\n

Mortgage Law only allows banks to oblige the borrowers of a mortgage loan to contract damage insurance to the property, this cover is contracted through a multi-risk home insurance. As previously stated, the client can choose with which Insurer and under what conditions to insure their property. At no time will the bank be able to change the loan conditions for this reason.<\/p>\n

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In conclusion, COMPARE and SEARCH the best option for your insurance with a Professional Broker, know YOUR RIGHTS and do not go along with the first thing the bank offers you, consult with an INSURANCE BROKER!
\n<\/h4>\n

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With current interest rates at an all-time low and debtors on the rise in addition to raised commissions, traditional banking business is under pressure. As a consequence banks are looking for new lines of business in which they do not specialize in order to compensate for their losses.<\/p>\n","protected":false},"author":1,"featured_media":4920,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"[et_pb_section fb_built=\"1\" custom_padding_last_edited=\"on|tablet\" _builder_version=\"4.4.8\" custom_margin_tablet=\"\" custom_margin_phone=\"||||false|false\" custom_margin_last_edited=\"on|phone\" custom_padding_tablet=\"||0px||false|false\" custom_padding_phone=\"||0px||false|false\" locked=\"off\"][et_pb_row column_structure=\"2_3,1_3\" use_custom_gutter=\"on\" gutter_width=\"2\" custom_padding_last_edited=\"on|phone\" _builder_version=\"4.4.8\" custom_margin_tablet=\"||||false|false\" custom_margin_phone=\"||0px||false|false\" custom_margin_last_edited=\"on|tablet\" custom_padding=\"||||false|false\" custom_padding_tablet=\"||0px||false|false\" custom_padding_phone=\"\"][et_pb_column type=\"2_3\" _builder_version=\"4.4.8\"][et_pb_post_title comments=\"off\" _builder_version=\"4.4.8\" title_font=\"|600|||||||\" title_font_size=\"28px\" title_line_height=\"1.2em\" meta_font_size=\"13px\" custom_margin=\"||40px||false|false\" title_font_size_tablet=\"\" title_font_size_phone=\"22px\" title_font_size_last_edited=\"on|phone\" meta_font_size_tablet=\"\" meta_font_size_phone=\"12px\" meta_font_size_last_edited=\"on|phone\" locked=\"off\"][\/et_pb_post_title][et_pb_text ul_type=\"circle\" _builder_version=\"4.8.1\" header_text_color=\"#99cc33\" header_3_font=\"|600|||||||\" header_3_text_align=\"center\" header_3_text_color=\"#99cc33\" header_3_font_size=\"26px\" background_size=\"initial\" background_position=\"top_left\" background_repeat=\"repeat\" text_orientation=\"justified\" custom_margin=\"0px||0px||false|false\"]

Con los tipos de inter\u00e9s actuales sobre el 0% y la morosidad en aumento, el negocio tradicional bancario se resiente y adem\u00e1s de subir las comisiones de las cuentas bancarias, buscan nuevas l\u00edneas de negocios en las que no son especialistas para intentar equilibrar sus resultados.<\/p>\r\n

Ya es pr\u00e1ctica habitual que al solicitar un Pr\u00e9stamo Hipotecario, Cr\u00e9dito personal o ICO, para aut\u00f3nomos y empresas, el banco te \u201cofrezca\u201d alg\u00fan tipo de seguro para poder llevar a cabo la operaci\u00f3n.<\/p>\r\n

Legalmente est\u00e1 prohibido Vincular una operaci\u00f3n de cr\u00e9dito a la contrataci\u00f3n de alg\u00fan seguro con el banco, el cliente tiene la libertad de contratar sus seguros con la Aseguradora que le ofrezca las mejores condiciones y no con el banco, y este no podr\u00e1 empeorar las condiciones del cr\u00e9dito por este motivo (Ley Hipotecaria y RD Distribuci\u00f3n de Seguros).<\/p>\r\n

Y no olvidemos que no son especialistas en seguros, trabajan con una aseguradora \u00fanicamente anteponiendo el inter\u00e9s econ\u00f3mico y no el asesoramiento al cliente, el banco NO VA A DARTE SERVICIO EN CASO DE SINIESTRO, si casi no nos atienden para gestiones bancarias, por cierto el RD Ley de Distribuci\u00f3n de Seguros obliga al Distribuidor de Seguros a dar este servicio postventa.
En Pr\u00e9stamos Hipotecarios est\u00e1 muy extendida la pr\u00e1ctica de \u201ccombinar\u201d seguros a la contrataci\u00f3n del Pr\u00e9stamo para as\u00ed \u201cbeneficiarte\u201d en las condiciones del tipo de inter\u00e9s del cr\u00e9dito. En este caso hay que calcular realmente que te ahorras por hacer esos seguros con el banco, puede ser menos o lo mismo que si lo contratas con un Corredor de Seguros Especializado que te buscar\u00e1 el mejor precio en las mejores compa\u00f1\u00edas y que te asesorar\u00e1 sobre las coberturas que necesitas y QUE TE DAR\u00c1 SERVICIO CUANDO TENGAS UN SINIESTRO O NECESITES CUALQUIER OTRA GESTI\u00d3N.<\/p>\r\n

Realmente la Ley hipotecaria s\u00f3lo permite que los bancos obliguen, a los prestatarios de un Cr\u00e9dito hipotecario, a contratar un seguro de da\u00f1os a la vivienda hipotecada, esto se contrata a trav\u00e9s de un Seguro multiriesgo del hogar. Y como hemos comentado antes, el cliente puede elegir con qu\u00e9 aseguradora y en qu\u00e9 condiciones contratarlo, y el banco no podr\u00e1 empeorar las condiciones del pr\u00e9stamo por este motivo.<\/p>[\/et_pb_text][et_pb_text _builder_version=\"4.8.1\" header_text_color=\"#99cc33\" header_3_font=\"|600|||||||\" header_3_text_align=\"center\" header_3_text_color=\"#99cc33\" header_3_font_size=\"26px\" header_4_text_align=\"justify\" header_4_text_color=\"#ffffff\" header_4_font_size=\"20px\" header_4_line_height=\"1.2em\" background_color=\"#95b344\" background_size=\"initial\" background_position=\"top_left\" background_repeat=\"repeat\" text_orientation=\"justified\" custom_margin=\"30px||||false|false\" custom_padding=\"15px|25px|8px|25px|false|true\" header_4_font_size_tablet=\"\" header_4_font_size_phone=\"16px\" header_4_font_size_last_edited=\"on|phone\" border_radii=\"on|15px|15px|15px|15px\" locked=\"off\"]

En conclusi\u00f3n COMPARA y BUSCA la mejor opci\u00f3n para tus seguros con un Mediador Profesional y no te quedes con lo primero que te ofrezca el banco, ya conoces tus derechos.<\/h4>[\/et_pb_text][et_pb_text disabled_on=\"off|off|off\" _builder_version=\"4.5.8\" header_3_font=\"||||||||\" header_3_text_align=\"center\" header_3_font_size=\"32px\" header_4_font=\"||||||||\" header_4_text_align=\"center\" header_4_font_size=\"20px\" module_alignment=\"center\" custom_margin=\"50px||0px||false|false\"]

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\u00a1Te llamamos GRATUITAMENTE!<\/h3>\r\n

Te atendemos en tu idioma:
Espa\u00f1ol, Ingl\u00e9s, Italiano, Alem\u00e1n y Franc\u00e9s. <\/strong>Desde la oficina que prefieras.<\/p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\"1\" custom_padding_last_edited=\"on|phone\" _builder_version=\"4.4.8\" custom_padding=\"120px|||||\" custom_padding_tablet=\"60px||||false|false\" custom_padding_phone=\"0px||0px||false|false\" global_module=\"256\" saved_tabs=\"all\"][et_pb_row column_structure=\"1_3,1_3,1_3\" _builder_version=\"4.4.9\" width=\"100%\" max_width=\"100%\" module_alignment=\"center\" custom_margin=\"40px||80px||false|false\" custom_margin_tablet=\"\" custom_margin_phone=\"||40px||false|false\" custom_margin_last_edited=\"on|phone\"][et_pb_column type=\"1_3\" _builder_version=\"4.4.9\" custom_padding=\"3%||||false|false\" custom_padding_tablet=\"0%||||false|false\" custom_padding_phone=\"0px||||false|false\" custom_padding_last_edited=\"on|phone\" custom_css_main_element_last_edited=\"on|tablet\" custom_css_main_element_phone=\"||\"][et_pb_text disabled_on=\"off|off|off\" _builder_version=\"4.4.9\" header_3_font=\"||||||||\" header_3_text_align=\"center\" header_3_font_size=\"32px\" header_4_font=\"|700|||||||\" header_4_text_align=\"center\" header_4_font_size=\"20px\" module_alignment=\"center\" custom_margin=\"||6px||false|false\"]

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