{"id":3023,"date":"2019-12-09T18:26:29","date_gmt":"2019-12-09T18:26:29","guid":{"rendered":"https:\/\/generali-ronda.es\/?p=3023"},"modified":"2019-12-10T21:52:43","modified_gmt":"2019-12-10T21:52:43","slug":"bancaseguros","status":"publish","type":"post","link":"https:\/\/generali-ronda.es\/index.php\/2019\/12\/09\/bancaseguros\/","title":{"rendered":"La Kriptonita de la BancaSeguros"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"3023\" class=\"elementor elementor-3023\" data-elementor-settings=\"[]\">\n\t\t\t<div class=\"elementor-inner\">\n\t\t\t\t<div class=\"elementor-section-wrap\">\n\t\t\t\t\t\t\t<section class=\"elementor-element elementor-element-503d217f elementor-section-full_width elementor-section-height-min-height elementor-section-height-default elementor-section-items-middle elementor-section elementor-top-section\" data-id=\"503d217f\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;shape_divider_bottom&quot;:&quot;opacity-tilt&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<div class=\"elementor-shape elementor-shape-bottom\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 2600 131.1\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M0 0L2600 0 2600 69.1 0 0z\"\/>\n\t<path class=\"elementor-shape-fill\" style=\"opacity:0.5\" d=\"M0 0L2600 0 2600 69.1 0 69.1z\"\/>\n\t<path class=\"elementor-shape-fill\" style=\"opacity:0.25\" d=\"M2600 0L0 0 0 130.1 2600 69.1z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1c3d8fb7 elementor-column elementor-col-100 elementor-top-column\" data-id=\"1c3d8fb7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap  elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e48af9e elementor-widget elementor-widget-heading\" data-id=\"e48af9e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">La KRIPTONITA De la BANCASEGUROS<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-element elementor-element-1baf89fd elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-section elementor-inner-section\" data-id=\"1baf89fd\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t<div class=\"elementor-element elementor-element-69c330b0 elementor-column elementor-col-100 elementor-inner-column\" data-id=\"69c330b0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap  elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t<div class=\"elementor-element elementor-element-15ea100e elementor-widget elementor-widget-text-editor\" data-id=\"15ea100e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\"><p>Quiz\u00e1s toquemos un tema que incomode&nbsp;<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-element elementor-element-34f5198f elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-section elementor-top-section\" data-id=\"34f5198f\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3603c26f elementor-column elementor-col-100 elementor-top-column\" data-id=\"3603c26f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap  elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t<div class=\"elementor-element elementor-element-406d6de elementor-widget elementor-widget-heading\" data-id=\"406d6de\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">INTRODUCCION<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7d6f77c8 elementor-drop-cap-yes elementor-drop-cap-view-default elementor-widget elementor-widget-text-editor\" data-id=\"7d6f77c8\" data-element_type=\"widget\" data-settings=\"{&quot;drop_cap&quot;:&quot;yes&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\"><p class=\"Standard\"><span lang=\"ES\" style=\"color: #000000;\">Los \u00faltimos a\u00f1os del Sector asegurador se han caracterizado por la irrupci\u00f3n de la denominada <strong>BancaSeguros<\/strong>. Y ello porque con cada hipoteca se contrataba con el Banco uno o varios seguros. Pero \u00bfqu\u00e9 es la Banca Seguros? Comencemos.<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-620ec01 elementor-drop-cap-yes elementor-drop-cap-view-default elementor-widget elementor-widget-text-editor\" data-id=\"620ec01\" data-element_type=\"widget\" data-settings=\"{&quot;drop_cap&quot;:&quot;yes&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\"><p class=\"Standard\"><span style=\"color: #000000;\"><span lang=\"ES\">Cuando hablamos de BancaSeguros nos referimos a las entidades de cr\u00e9dito (bancos) que comercializan seguros<b>,\u00a0<\/b><span style=\"color: #000000;\"><a style=\"color: #000000;\" href=\"https:\/\/www.boe.es\/buscar\/act.php?id=BOE-A-2006-12916\" target=\"_blank\" rel=\"noopener\">art 25 Ley Mediaci\u00f3n de Seguros y Reaseguros Privados<\/a><strong>.<\/strong><\/span> As\u00ed,<\/span><span lang=\"ES\">\u00a0cuando los Bancos venden seguros funcionan como intermediarios de compa\u00f1\u00edas aseguradoras, en ning\u00fan caso pueden asegurar directamente, por prohibici\u00f3n legal.<\/span><\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ce4748d elementor-widget elementor-widget-heading\" data-id=\"ce4748d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">PRACTICAS ABUSIVAS<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f048214 elementor-drop-cap-yes elementor-drop-cap-view-default elementor-widget elementor-widget-text-editor\" data-id=\"f048214\" data-element_type=\"widget\" data-settings=\"{&quot;drop_cap&quot;:&quot;yes&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\"><p class=\"Standard\"><span lang=\"ES\" style=\"color: #000000;\">Como se ha adelantado, los bancos no coparon una elevada cuota del mercado asegurador por sus buenos productos, econ\u00f3micos precios o atenci\u00f3n al cliente, nada m\u00e1s lejos de la realidad\u2026. la principal forma en que las entidades bancarias sol\u00edan y suelen vender seguros es obligando al hipotecado a contratar a trav\u00e9s del propio Banco varios seguros por el per\u00edodo que dure la hipoteca, denomin\u00e1ndose esta pr\u00e1ctica como \u201c<i>venta vinculada<\/i>\u201d. <\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1f5be7a elementor-widget elementor-widget-heading\" data-id=\"1f5be7a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">NUEVA LEY<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b52067a elementor-drop-cap-yes elementor-drop-cap-view-default elementor-widget elementor-widget-text-editor\" data-id=\"b52067a\" data-element_type=\"widget\" data-settings=\"{&quot;drop_cap&quot;:&quot;yes&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\"><p class=\"Standard\"><span lang=\"ES\" style=\"color: #000000;\">Esta obligatoriedad de contratar un seguro a trav\u00e9s del Banco ha quedado desterrada a partir del 16 de junio de 2019 con la entrada en vigor de la <a style=\"color: #000000;\" href=\"https:\/\/www.boe.es\/buscar\/doc.php?id=BOE-A-2019-3814\" target=\"_blank\" rel=\"noopener\">Ley 5\/2019, Reguladora de los Contratos de Cr\u00e9dito Inmobiliario<\/a>, estableciendo en su art\u00edculo 17 que, si bien el Banco podr\u00e1 exigir un seguro para la concesi\u00f3n de una hipoteca,\u00a0<b><u>este seguro no ha de ser contratado necesariamente con la propia entidad bancaria<\/u><\/b>. <\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a318e49 elementor-drop-cap-yes elementor-drop-cap-view-default elementor-widget elementor-widget-text-editor\" data-id=\"a318e49\" data-element_type=\"widget\" data-settings=\"{&quot;drop_cap&quot;:&quot;yes&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\"><p class=\"Standard\"><span lang=\"ES\" style=\"color: #000000;\">En resumidas cuentas: para la concesi\u00f3n de una hipoteca podr\u00e1 exigirse que se suscriban uno o varios seguros con unas determinadas condiciones, m\u00e1s no podr\u00e1 obligarse al cliente que estos seguros se contraten a trav\u00e9s Banco.<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0036da5 elementor-widget elementor-widget-image\" data-id=\"0036da5\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image\">\n\t\t\t\t\t\t\t\t\t\t<img width=\"793\" height=\"472\" src=\"https:\/\/i1.wp.com\/generali-ronda.es\/wp-content\/uploads\/2019\/12\/Bancaseguros.jpg?fit=793%2C472&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"\" decoding=\"async\" loading=\"lazy\" srcset=\"https:\/\/i1.wp.com\/generali-ronda.es\/wp-content\/uploads\/2019\/12\/Bancaseguros.jpg?w=793&amp;ssl=1 793w, https:\/\/i1.wp.com\/generali-ronda.es\/wp-content\/uploads\/2019\/12\/Bancaseguros.jpg?resize=300%2C179&amp;ssl=1 300w, https:\/\/i1.wp.com\/generali-ronda.es\/wp-content\/uploads\/2019\/12\/Bancaseguros.jpg?resize=768%2C457&amp;ssl=1 768w, https:\/\/i1.wp.com\/generali-ronda.es\/wp-content\/uploads\/2019\/12\/Bancaseguros.jpg?resize=370%2C220&amp;ssl=1 370w\" sizes=\"(max-width: 793px) 100vw, 793px\" data-attachment-id=\"3041\" data-permalink=\"https:\/\/generali-ronda.es\/index.php\/2019\/12\/09\/bancaseguros\/bancaseguros-2\/\" data-orig-file=\"https:\/\/i1.wp.com\/generali-ronda.es\/wp-content\/uploads\/2019\/12\/Bancaseguros.jpg?fit=793%2C472&amp;ssl=1\" data-orig-size=\"793,472\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;1&quot;}\" data-image-title=\"Bancaseguros\" data-image-description=\"\" data-image-caption=\"&lt;p&gt;Bancaseguros&lt;\/p&gt;\n\" data-medium-file=\"https:\/\/i1.wp.com\/generali-ronda.es\/wp-content\/uploads\/2019\/12\/Bancaseguros.jpg?fit=300%2C179&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/generali-ronda.es\/wp-content\/uploads\/2019\/12\/Bancaseguros.jpg?fit=793%2C472&amp;ssl=1\" \/>\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5dbe052 elementor-widget elementor-widget-heading\" data-id=\"5dbe052\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00bfQUE PASA CON LAS HIPOTECAS ANTERIORES A LA ENTRADA EN VIGOR DE LA LEY?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d5aadf7 elementor-drop-cap-yes elementor-drop-cap-view-default elementor-widget elementor-widget-text-editor\" data-id=\"d5aadf7\" data-element_type=\"widget\" data-settings=\"{&quot;drop_cap&quot;:&quot;yes&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\"><p class=\"Standard\"><span lang=\"ES\" style=\"color: #000000;\">Ahora bien, la ley 5\/2019 no tiene car\u00e1cter retroactivo, por lo que no se aplica a contratos hipotecarios celebrados con anterioridad al 16 de junio de 2019.\u00a0<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ceb641b elementor-drop-cap-yes elementor-drop-cap-view-default elementor-widget elementor-widget-text-editor\" data-id=\"ceb641b\" data-element_type=\"widget\" data-settings=\"{&quot;drop_cap&quot;:&quot;yes&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\"><p class=\"Standard\"><span lang=\"ES\" style=\"color: #000000;\">No obstante, ha de subrayarse que son muchos los Juzgados y Tribunales que antes de la entrada en vigor de la meritada Ley ya consideraban estas pr\u00e1cticas como abusivas<strong>\u00a0<\/strong>por muy distintas razones. As\u00ed, son muy conocidos los supuestos en que se falla en este sentido:<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f853eb5 elementor-drop-cap-yes elementor-drop-cap-view-default elementor-widget elementor-widget-text-editor\" data-id=\"f853eb5\" data-element_type=\"widget\" data-settings=\"{&quot;drop_cap&quot;:&quot;yes&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\"><p class=\"Standard\" style=\"text-align: center;\"><strong><span lang=\"ES\" style=\"color: #008000;\"><a style=\"color: #008000;\" href=\"https:\/\/www.elconfidencial.com\/vivienda\/2019-10-20\/juez-anula-dos-seguros-vida-vinculados-hipotecas-955_2219251\/\">Un juez anula dos seguros de vida vinculados a hipotecas: son \u00ababusivos\u00bb<\/a><\/span><\/strong><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1103413 elementor-drop-cap-yes elementor-drop-cap-view-default elementor-widget elementor-widget-text-editor\" data-id=\"1103413\" data-element_type=\"widget\" data-settings=\"{&quot;drop_cap&quot;:&quot;yes&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\"><p class=\"Standard\" style=\"text-align: center;\"><a href=\"https:\/\/diario16.com\/sentencias-obligan-a-desvincular-los-seguros-de-vida-con-el-prestamo-hipotecario\/\" target=\"_blank\" rel=\"noopener\"><strong><span lang=\"ES\" style=\"color: #008000;\"> Sentencias obligan a desvincular los seguros de vida con el pr\u00e9stamo hipotecario<\/span><\/strong><\/a><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c11a8d elementor-widget elementor-widget-heading\" data-id=\"7c11a8d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">CADA CASO ES DISTINTO<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bc1111d elementor-drop-cap-yes elementor-drop-cap-view-default elementor-widget elementor-widget-text-editor\" data-id=\"bc1111d\" data-element_type=\"widget\" data-settings=\"{&quot;drop_cap&quot;:&quot;yes&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\"><p class=\"Standard\"><span lang=\"ES\" style=\"color: #000000;\">Asimismo, y si querer entrar en profundidad por no extendernos, habr\u00eda que distinguir si estamos ante un Seguro Vinculado de Hogar o de Vida, contratado por un consumidor o por un empresario&#8230; ya que los efectos y las posibilidades, incluso de devoluci\u00f3n de cantidades, son distintas en unos u otros casos. <\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a0a46f7 elementor-widget elementor-widget-heading\" data-id=\"a0a46f7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">CONCLUSION<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-345f561 elementor-drop-cap-yes elementor-drop-cap-view-default elementor-widget elementor-widget-text-editor\" data-id=\"345f561\" data-element_type=\"widget\" data-settings=\"{&quot;drop_cap&quot;:&quot;yes&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\"><p class=\"Standard\"><span lang=\"ES\" style=\"color: #000000;\">La debilidad (Kriptonita) de la BancaSeguros reside en que obligar al cliente a contratar un seguro a trav\u00e9s del Banco hipotecante, principal forma en que \u00e9stos vend\u00edan seguros, es ahora ilegal sin g\u00e9nero de duda.<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d5cc753 elementor-drop-cap-yes elementor-drop-cap-view-default elementor-widget elementor-widget-text-editor\" data-id=\"d5cc753\" data-element_type=\"widget\" data-settings=\"{&quot;drop_cap&quot;:&quot;yes&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\"><p class=\"Standard\"><span lang=\"ES\" style=\"color: #000000;\">Esto coloca a las entidades de cr\u00e9dito en una posici\u00f3n inc\u00f3moda: deben adaptar su forma de comercializar seguros a la normativa aplicable si quieren seguir manteniendo la posici\u00f3n dominante de la que disfrutaban (inmerecidamente, todo sea dicho).\u00a0<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2683766 elementor-widget elementor-widget-heading\" data-id=\"2683766\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">OPINION FINAL<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4d43dd5 elementor-drop-cap-yes elementor-drop-cap-view-default elementor-widget elementor-widget-text-editor\" data-id=\"4d43dd5\" data-element_type=\"widget\" data-settings=\"{&quot;drop_cap&quot;:&quot;yes&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\"><p class=\"Standard\"><span lang=\"ES\" style=\"color: #000000;\">La forma en que los Bancos ven\u00edan comercializando Seguros a trav\u00e9s de las Hipotecas es un claro ejemplo de <strong>pr\u00e1ctica abusiva<\/strong>, esto es innegable y poco se puede alegar ya de contrario.<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1542e3c elementor-drop-cap-yes elementor-drop-cap-view-default elementor-widget elementor-widget-text-editor\" data-id=\"1542e3c\" data-element_type=\"widget\" data-settings=\"{&quot;drop_cap&quot;:&quot;yes&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\"><p class=\"Standard\"><span lang=\"ES\" style=\"color: #000000;\">Sin embargo, y esto se dice menos, con estas pr\u00e1cticas no s\u00f3lo se atenta contra el consumidor, de manera sustancial se pisotea la siempre exigible libre competencia (art 38 Constituci\u00f3n Espa\u00f1ola);<b>\u00a0<\/b>siendo los <b>Agentes y Corredores de Seguros<\/b> los principales damnificados por estas pr\u00e1cticas que, como decimos y no nos cansaremos, son y as\u00ed han sido declaradas, <b>abusivas<\/b>.<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b6797b elementor-widget elementor-widget-text-editor\" data-id=\"6b6797b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\"><p><span style=\"color: #000000;\">Agentes y Corredores de Seguros que han permanecido hu\u00e9rfanos de defensa por parte de las entidades corporativas que deben representarlos y velar por sus intereses.\u00a0<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-element elementor-element-30348a19 elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle elementor-section elementor-top-section\" data-id=\"30348a19\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;shape_divider_top&quot;:&quot;opacity-tilt&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<div class=\"elementor-shape elementor-shape-top\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 2600 131.1\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M0 0L2600 0 2600 69.1 0 0z\"\/>\n\t<path class=\"elementor-shape-fill\" style=\"opacity:0.5\" d=\"M0 0L2600 0 2600 69.1 0 69.1z\"\/>\n\t<path class=\"elementor-shape-fill\" style=\"opacity:0.25\" d=\"M2600 0L0 0 0 130.1 2600 69.1z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4d78d45a elementor-column elementor-col-50 elementor-top-column\" data-id=\"4d78d45a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap  elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5e32c7a0 elementor-widget elementor-widget-heading\" data-id=\"5e32c7a0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Preg\u00fantenos lo que quiera<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-76f6029b elementor-tablet-align-center elementor-align-left elementor-icon-list--layout-traditional elementor-widget elementor-widget-icon-list\" data-id=\"76f6029b\" data-element_type=\"widget\" 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Ronda<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\" >\n\t\t\t\t\t<a href=\"mailto:m.calvo@generalimediadores.es\">\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-envelope\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">m.calvo@generalimediadores.es<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\" >\n\t\t\t\t\t<a href=\"telto:952874028\">\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-phone\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">952-874-028<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-25fe00db elementor-column elementor-col-50 elementor-top-column\" data-id=\"25fe00db\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-column-wrap  elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1b3123e3 elementor-widget elementor-widget-google_maps\" data-id=\"1b3123e3\" data-element_type=\"widget\" data-widget_type=\"google_maps.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-custom-embed\"><iframe frameborder=\"0\" scrolling=\"no\" marginheight=\"0\" marginwidth=\"0\" src=\"https:\/\/maps.google.com\/maps?q=Maria%20Matilde%20Calvo%20Ruiz&amp;t=m&amp;z=16&amp;output=embed&amp;iwloc=near\" aria-label=\"Maria Matilde Calvo Ruiz\"><\/iframe><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-element elementor-element-34052bf0 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-section elementor-top-section\" data-id=\"34052bf0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6b90a16 elementor-column elementor-col-100 elementor-top-column\" data-id=\"6b90a16\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap  elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t<div class=\"elementor-element elementor-element-697742e1 elementor-shape-rounded elementor-invisible elementor-widget elementor-widget-social-icons\" data-id=\"697742e1\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"social-icons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-social-icons-wrapper\">\n\t\t\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-twitter elementor-animation-grow elementor-repeater-item-d4a486d\" href=\"https:\/\/twitter.com\/RuizCalvoAbogad\" target=\"_blank\">\n\t\t\t\t\t<span class=\"elementor-screen-only\">Twitter<\/span>\n\t\t\t\t\t<i class=\"fab fa-twitter\"><\/i>\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-linkedin-in elementor-animation-grow elementor-repeater-item-6125d60\" href=\"https:\/\/twitter.com\/generali_ronda\" target=\"_blank\">\n\t\t\t\t\t<span class=\"elementor-screen-only\">Linkedin-in<\/span>\n\t\t\t\t\t<i class=\"fab fa-linkedin-in\"><\/i>\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t<!-- AddThis Advanced Settings generic via filter on the_content --><!-- AddThis Share Buttons generic via filter on the_content -->","protected":false},"excerpt":{"rendered":"<p>Los \u00faltimos a\u00f1os del Sector asegurador se han caracterizado por la irrupci\u00f3n de la denominada BancaSeguros&#8230;<!-- AddThis Advanced Settings generic via filter on get_the_excerpt --><!-- AddThis Share Buttons generic via filter on get_the_excerpt --><\/p>\n","protected":false},"author":1,"featured_media":3026,"comment_status":"closed","ping_status":"open","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"spay_email":"","jetpack_publicize_message":"","jetpack_is_tweetstorm":false},"categories":[180],"tags":[181,182,110,183],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v17.1 - 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