{"id":5335,"date":"2026-03-24T09:38:59","date_gmt":"2026-03-24T08:38:59","guid":{"rendered":"https:\/\/mpique-sa.es\/transparency-policy\/"},"modified":"2026-03-24T09:46:05","modified_gmt":"2026-03-24T08:46:05","slug":"transparency-policy","status":"publish","type":"page","link":"https:\/\/mpique-sa.es\/en\/transparency-policy\/","title":{"rendered":"Transparency policy"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"5335\" class=\"elementor elementor-5335 elementor-5325\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a679816 e-flex e-con-boxed e-con e-parent\" data-id=\"a679816\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5e7fd54 elementor-widget elementor-widget-heading\" data-id=\"5e7fd54\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">TRANSPARENCY POLICY<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f3ec423 elementor-widget elementor-widget-text-editor\" data-id=\"f3ec423\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p align=\"JUSTIFY\">The professional activity of insurance brokerages is regulated by <b>Royal Decree-Law 3\/2020<\/b>, which transposes Directive (EU) 2016\/97 on insurance distribution, and by the rest of the private insurance supervision and regulation regulations, guaranteeing the protection of clients&#8217; rights.<\/p><p align=\"JUSTIFY\">The purpose of this Transparency Policy is to inform users and clients about how M. PIQUE CORREDUR\u00cdA T\u00c9CNICA DE SEGUROS, S.A. carries out its insurance mediation activity in an <b>independent, impartial and transparent<\/b> manner.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eb6a2ea elementor-widget elementor-widget-text-editor\" data-id=\"eb6a2ea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p align=\"JUSTIFY\"><b>Brokerage data<\/b><\/p><ul><li><p align=\"JUSTIFY\">Company name: <b>M. PIQUE CORREDUR\u00cdA T\u00c9CNICA DE SEGUROS, S.A.<\/b><\/p><\/li><li><p align=\"JUSTIFY\">VAT ID: <b>A-58872573<\/b><\/p><\/li><li><p align=\"JUSTIFY\">Registered office: <b>Av. Caresmar, 3, 08700 Igualada (Barcelona)<\/b><\/p><\/li><li><p align=\"JUSTIFY\">Phone: <b>93 803 77 25<\/b><\/p><\/li><li><p align=\"JUSTIFY\">E-mail: <a href=\"mailto:mpique.seguros@mpique-sa.es\"><b>mpique.seguros@mpique-sa.es<\/b><\/a><\/p><\/li><li><p>Registered in the Mercantile Registry of Barcelona, page B-69866, volume 24291, folio 219, Inscription 21.<\/p><\/li><li><p align=\"JUSTIFY\">Registered in the <b>Special Administrative Registry of Insurance and Reinsurance Distributors<\/b> of the Directorate General of Insurance and Pension Funds (DGSFP) under code J270.<\/p><\/li><li><p align=\"JUSTIFY\">It has a <b>Professional Liability policy<\/b> and the <b>financial capacity<\/b> required by insurance distribution regulations.<\/p><\/li><\/ul><p align=\"JUSTIFY\">Registration can be checked on the DGSFP website: <a href=\"https:\/\/www.dgsfp.mineco.gob.es.\/\">https:\/\/www.<\/a><a href=\"https:\/\/dgsfp.mineco.gob.es\/es\/Paginas\/Protecci%C3%B3n-de-datos.aspx\">dgsfp.mineco.gob.es.[dgsfp.mineco.gob<\/a>].<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5dc7b66 elementor-widget elementor-widget-text-editor\" data-id=\"5dc7b66\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p align=\"JUSTIFY\"><b>Nature of our distribution activity<\/b><\/p><p align=\"JUSTIFY\">M. PIQUE CORREDUR\u00cdA T\u00c9CNICA DE SEGUROS, S.A. acts as an <b>insurance broker<\/b>, which implies:<\/p><ul><li><p align=\"JUSTIFY\">That it provides an insurance mediation service <b>independently<\/b>, without maintaining exclusive ties with specific insurance companies.<\/p><\/li><li><p align=\"JUSTIFY\">That it is obliged to <b>offer advice based on an objective analysis<\/b> of a sufficient number of insurance contracts available on the market, appropriate to the client&#8217;s needs.<\/p><\/li><li><p align=\"JUSTIFY\">That their recommendation is made <b>in the interest of the client<\/b>, after an evaluation of their demands and needs.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3bd90f5 elementor-widget elementor-widget-text-editor\" data-id=\"3bd90f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p align=\"JUSTIFY\"><b>3. Product selection and comparison criteria<\/b><\/p><p align=\"JUSTIFY\">In the exercise of the insurance mediation activity, the brokerage applies the following transparency criteria:<\/p><ul><li><p align=\"JUSTIFY\">Analyze the client&#8217;s <b>demands and needs<\/b> by gathering sufficient information on their situation, risks to be covered and objectives.<\/p><\/li><li><p align=\"JUSTIFY\">Request and compare offers from a <b>sufficient number of insurance companies<\/b> with which it has a distribution relationship, assessing, among other factors:<\/p><ul><li><p align=\"JUSTIFY\">Coverage and exclusions.<\/p><\/li><li><p align=\"JUSTIFY\">Limits and franchises.<\/p><\/li><li><p align=\"JUSTIFY\">Premiums and economic conditions.<\/p><\/li><li><p align=\"JUSTIFY\">Solvency and service of insurance companies (claims management, customer service, etc.).<\/p><\/li><\/ul><\/li><li><p align=\"JUSTIFY\">Make written recommendations when required by regulations, stating the reasons justifying the proposal in relation to the client&#8217;s demands and needs.<\/p><\/li><\/ul><p align=\"JUSTIFY\">The brokerage firm <b>is not limited to presenting a single product<\/b>, unless expressly indicated and accepted by the client, or if there are circumstances that justify it (e.g. specific product).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8c96088 elementor-widget elementor-widget-text-editor\" data-id=\"8c96088\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p align=\"JUSTIFY\"><b>4. Insurance companies we work with<\/b><\/p><p align=\"JUSTIFY\">In general, M. PIQUE CORREDUR\u00cdA T\u00c9CNICA DE SEGUROS, S.A. works with a group of insurance companies selected on the basis of solvency, service quality and product adequacy.<\/p><p align=\"JUSTIFY\">The updated list of insurance companies with which we work on a regular basis is available to our clients and can be provided upon request and\/or consulted at our offices.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-274b101 elementor-widget elementor-widget-text-editor\" data-id=\"274b101\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p align=\"JUSTIFY\"><b>5. Nature of remuneration<\/b><\/p><p align=\"JUSTIFY\">For its distribution activity, the brokerage may receive the following remunerations, in accordance with Royal Decree Law 3\/2020:<\/p><ul><li><p align=\"JUSTIFY\"><b>Insurance company commissions<\/b>, included in the insurance premium.<\/p><\/li><li><p align=\"JUSTIFY\"><b>Direct professional fees<\/b> paid by the client, in those cases in which this is expressly agreed (for example, consulting services or risk analysis not linked to a specific contract).<\/p><\/li><\/ul><p align=\"JUSTIFY\">In any case:<\/p><ul><li><p align=\"JUSTIFY\">Prior to contracting, the client shall be informed of the <b>nature of the remuneration<\/b> received by the brokerage (whether it comes from the insurer, the client or both, and its type).<\/p><\/li><li><p align=\"JUSTIFY\">When there are <b>fees to be paid by the client<\/b>, these shall be clearly agreed in advance and reflected in writing.<\/p><\/li><\/ul><p align=\"JUSTIFY\">The receipt of commissions from insurers <b>does not condition<\/b> the brokerage&#8217;s duty to act in the client&#8217;s best interest or its obligation to provide advice based on an objective analysis.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c6901cb elementor-widget elementor-widget-text-editor\" data-id=\"c6901cb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p align=\"JUSTIFY\"><b>6. Conflicts of interest<\/b><\/p><p align=\"JUSTIFY\">The brokerage has <b>internal procedures<\/b> to identify, prevent and, if necessary, manage possible conflicts of interest that may arise between:<\/p><ul><li><p align=\"JUSTIFY\">The brokerage firm (and its employees) and its customers.<\/p><\/li><li><p align=\"JUSTIFY\">Different customers from each other.<\/p><\/li><\/ul><p align=\"JUSTIFY\">If it is not possible to avoid a conflict of interest, the client shall be clearly informed prior to the provision of the mediation service, so that he\/she can make an informed decision on the contract.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-50fb7c9 elementor-widget elementor-widget-text-editor\" data-id=\"50fb7c9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p align=\"JUSTIFY\"><b>7. Pre-contractual information and documentation<\/b><\/p><p align=\"JUSTIFY\">In compliance with insurance distribution regulations, the customer will be provided with a <b>clear, understandable and free of charge<\/b> information prior to contracting the insurance:<\/p><ul><li><p align=\"JUSTIFY\">Information on the brokerage&#8217;s identity, registration and means of contact.<\/p><\/li><li><p align=\"JUSTIFY\">Information on the nature of the remuneration.<\/p><\/li><li><p align=\"JUSTIFY\">The prior product information document (IPID or equivalent document), when required.<\/p><\/li><li><p align=\"JUSTIFY\">The pre-contractual documentation and contractual information required by the applicable legislation.<\/p><\/li><\/ul><p align=\"JUSTIFY\">Likewise, the client will receive information on <b>personal data protection<\/b> (Privacy Policy) and, if applicable, information on the Complaints Channel and other applicable compliance mechanisms.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ff12c3c elementor-widget elementor-widget-text-editor\" data-id=\"ff12c3c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p align=\"JUSTIFY\"><b>8. Complaints and customer service<\/b><\/p><p align=\"JUSTIFY\">The clients of M. PIQUE CORREDUR\u00cdA T\u00c9CNICA DE SEGUROS, S.A. have a <b>complaints procedure and customer service<\/b>, through which they can submit complaints, claims or queries related to mediation services.<\/p><p align=\"JUSTIFY\"><b>Customer Service Department (CSD):<\/b><\/p><p align=\"JUSTIFY\">E-mail: <a href=\"mailto:info@solventoconsulting.com\">info@solventoconsulting.com<\/a><\/p><p align=\"JUSTIFY\">Postal address: calle Arag\u00f3n, n\u00ba 208 6\u00ba 5\u00aa 08011 Barcelona<\/p><p align=\"JUSTIFY\">In case of disagreement with the response or lack of response within the legal deadlines, the customer may turn to the <b>Complaints Service of the DGSFP<\/b>, in accordance with the provisions of the financial services customer protection regulations.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e68ba8e elementor-widget elementor-widget-text-editor\" data-id=\"e68ba8e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p align=\"JUSTIFY\"><b>9. Commitment to update<\/b><\/p><p align=\"JUSTIFY\">M. PIQUE CORREDUR\u00cdA T\u00c9CNICA DE SEGUROS, S.A. undertakes to keep this Transparency Policy <b>updated<\/b>, revising it when relevant regulatory changes, modifications in its business model or in its relations with insurance companies occur.<\/p><p align=\"JUSTIFY\">The current version will always be available on the Web Site and can be requested at any time from our offices.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>TRANSPARENCY POLICY The professional activity of insurance brokerages is regulated by Royal Decree-Law 3\/2020, which transposes Directive (EU) 2016\/97 on insurance distribution, and by the rest of the private insurance supervision and regulation regulations, guaranteeing the protection of clients&#8217; rights. The purpose of this Transparency Policy is to inform users and clients about how M. [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"class_list":["post-5335","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u25b7Transparency policy - \u3010 M Piqu\u00e9 SA | Corredur\u00eda de seguros \u3011<\/title>\n<meta name=\"description\" content=\"TRANSPARENCY POLICY The professional activity of insurance brokerages is regulated by Royal Decree-Law 3\/2020, which transposes Directive (EU) 2016\/97 on \u2713\" \/>\n<meta name=\"robots\" content=\"noindex, nofollow\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u25b7Transparency policy - \u3010 M Piqu\u00e9 SA | Corredur\u00eda de seguros \u3011\" \/>\n<meta property=\"og:description\" content=\"TRANSPARENCY POLICY The professional activity of insurance brokerages is regulated by Royal Decree-Law 3\/2020, which transposes Directive (EU) 2016\/97 on \u2713\" \/>\n<meta property=\"og:url\" content=\"https:\/\/mpique-sa.es\/en\/transparency-policy\/\" \/>\n<meta property=\"og:site_name\" content=\"M Piqu\u00e9 SA | Corredur\u00eda de seguros\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-24T08:46:05+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/mpique-sa.es\\\/en\\\/transparency-policy\\\/\",\"url\":\"https:\\\/\\\/mpique-sa.es\\\/en\\\/transparency-policy\\\/\",\"name\":\"\u25b7Transparency policy - 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