But to make the change of insurance company with all the guarantees and no surprises later, we must take into account changing aspects segurosalgunos company.
The deadline established by the Insurance Contract Act (Article 22) to notify the company change is 2 months. The notice must be in writing the policyholder.
If done with that notice, no problem.
If the notification of the change in company with less than 2 months, several things can happen, depending on the company, the amount of the policy, quality customer ...
- The company affected by the change may be sued for that change to try to reverse it, for not having communicated within 2 months prescribed by law: It involves many steps subsequent returns of receipts, paperwork, etc ... and it can get to involve the duplication of the policy for the same product (car, home, motorcycle ...) with the complications that can lead to this issue in case of disaster.
- There are companies that notify the client by letter that made the change after the deadline. This is to not only the more or less automatic notification, but "pressure" the client to keep the policy with them and not lose it.
In both cases, as with telephone operators (whose practices we are more used), the insurer or insurance broker involved can contact the customer to investigate the reasons for the change and eventually make a counteroffer that convince the customer to stay with them.
- It sometimes happens that the affected insurer simply run the subject of complaint because the effort is not worth: the value of the policy or the "importance" of the client. In this case
In any case, it is best to tell the company to change the 2 months before established by Law to avoid problems.
It is also common practice in companies, but perhaps not all, notify the user with those 2 months maturing and subsequent renewal of the policy in force. In this way we will be informed of the deadlines and we can make the decision that suits us.
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