Legal Notice

1. Owner & operator of the website

In compliance with Article 10 of Law 34/2002 of 11 July on Information Society Services and Electronic Commerce (LSSICE), we provide the following identification information:

2. Regulated activity

Neil Peter Osborne is authorised and registered as an insurance distributor with the Dirección General de Seguros y Fondos de Pensiones (DGSFP) under clave C0031Y0339267P, and operates in accordance with applicable Spanish insurance-distribution law, specifically:

• Royal Decree-Law 3/2020 of 4 February, transposing Directive (EU) 2016/97 on Insurance Distribution (IDD).
• Law 20/2015 of 14 July, on the regulation, supervision and solvency of insurance and reinsurance undertakings (LOSSEAR).
• Royal Decree 1060/2015 of 20 November, regulating the activity of insurance and reinsurance undertakings (ROSSEAR).

Our registration can be verified at the public register of the Dirección General de Seguros y Fondos de Pensiones (DGSFP): www.dgsfp.mineco.gob.es.

We distribute insurance products on behalf of registered Spanish insurers, including Caser (part of the Helvetia Group) as our principal insurance partner. Where appropriate for clients' needs, we may also distribute products from other DGSFP-registered Spanish insurers across the lines of business we cover.

3. Professional indemnity & financial guarantees

247 Expat Insurance complies with the professional civil liability insurance, capital adequacy and financial guarantee requirements applicable to insurance distributors under Royal Decree-Law 3/2020 and the implementing regulations.

Where the distribution activity is fully covered by the principal insurer (for example under an agency arrangement with Caser), professional indemnity cover is provided by the relevant insurer in accordance with Article 26 of Royal Decree-Law 3/2020. Where additional cover is appropriate, 247 Expat Insurance maintains it independently. Details of the current arrangements can be requested in writing at info@247expatinsurance.com.

Clients therefore benefit from the financial strength and regulatory compliance of the underlying insurer for any policy they take out through us.

4. The insurers we work with

The insurance contracts arranged through this website are issued by DGSFP-authorised Spanish insurers. Our principal insurance partner is:

Depending on the product line and the client's circumstances, policies may also be issued by other DGSFP-registered Spanish insurers. The specific insurer for any given quote and policy will be identified in the quotation and contractual documentation.

5. Purpose of the website

The purpose of this website is to inform English-speaking expats, foreign residents, second-home owners, retirees, families and visa applicants in Spain about the insurance products we distribute, and to facilitate quoting, application and policy placement.

The website is not in itself a contract of insurance. A contract of insurance is formed between the client and the relevant insurer only upon acceptance of the application by that insurer and payment of the corresponding premium.

6. Terms of use & privacy

Use of the website is governed by our Terms & Conditions. Personal-data processing is described in our Privacy Policy. Use of cookies and similar technologies is described in our Cookie Policy.

7. Intellectual property

All content on this website, including texts, graphics, images, code, structure and design, is protected by intellectual-property and industrial-property law. The content is owned by Neil Peter Osborne (operating as 247 Expat Insurance) or used under licence, except for third-party trademarks (notably Caser and Helvetia) which belong to their respective owners.

Reproduction, distribution, public communication, transformation or any other use — in whole or in part — of the content of this website without express written authorisation is prohibited. Fair quotation and personal, non-commercial use are permitted provided the source is cited.

8. Links to third-party websites

The website may contain links to third-party resources, including Caser, Helvetia, the DGSFP and Spanish government portals. Their inclusion does not imply endorsement, sponsorship or partnership beyond the disclosed distribution relationships. We are not responsible for the content, accuracy, privacy practices or availability of third-party sites.

9. Liability

We make reasonable efforts to ensure the accuracy and timeliness of the information published on the website, but:

• We do not warrant that the website will be uninterrupted, error-free or free from harmful components.
• General information about insurance products is for orientation only; the binding terms are those of the contractual documentation provided at the point of contracting.
• Nothing on the website constitutes regulated financial, legal, tax or medical advice.

Nothing in this Legal Notice excludes or limits liability that cannot be excluded under Spanish law, including liability for death or personal injury caused by negligence, or for fraud.

10. Complaints & dispute resolution

Complaints can be submitted to info@247expatinsurance.com. If unresolved after two months, or in the first instance with the relevant insurer, clients may escalate to:

• The Customer Service Department (Servicio de Atención al Cliente) of the relevant insurer, as indicated in the policy schedule.
• The Customer Ombudsman (Defensor del Cliente) of the relevant insurer, where one has been appointed.
• The Complaints Service of the DGSFP: www.dgsfp.mineco.gob.es.
• The EU Online Dispute Resolution Platform: ec.europa.eu/consumers/odr.

11. Governing law & jurisdiction

This Legal Notice and any matter arising from the use of the website are governed by Spanish law. Subject to any mandatory consumer-protection rules, the parties submit to the exclusive jurisdiction of the Courts and Tribunals of Murcia, Spain.

12. Updates

We may update this Legal Notice to reflect changes in law, regulation, our activity or our services. The current version is the one published on this page, with the "Last updated" date shown above.