3. Information regarding the appeal and the mechanisms of Out-of-Court Dispute Resolution.
The consumer after submitting the complaint to our company will evaluate it applying the relevant decision of the Bank of Greece, and in case he is not satisfied, he has the opportunity to appeal, with his report, to the Consumer Ombudsman, without limiting his ability to settle the dispute out of court before other courts.
4. Insurance Mediation Activity.
Our company as an Insurance and Reinsurance Broker carries out the distribution activity on the basis of a written contract with the insurance and reinsurance companies, in a way that prevents the legal and financial dependence towards them.
The insurance and reinsurance broker receives:
a) Supply from the insurance companies, in which he placed the insurance risk ordered by his client, or and
b) Remuneration from the customer, based on a written contract between them. In the event of an agreement between the Broker and the client of such a fee, the minimum content of the agreement with the client is the Tax Registration Number of the insurance broker, the Tax Registration Number of the client, the time and manner of payment of the fee and the exact amount of the fee or, if this is not possible, the basis and method of calculating the remuneration.
The insurance broker also informs the customer that he provides an impartial and personal analysis of the products promoted in the Greek market. For the purpose of providing an unbiased and personal analysis, the insurance broker analyzes a sufficiently large number of insurance contracts and products available on the market, in order to be able to recommend with an individual and professional criteria the insurance contract that best meets his requirements and needs. customer.
5. Needs investigation and conclusion of an Insurance Contract.
Our company before concluding an insurance contract proceeds as follows:
-determines the requirements and needs of the customer, based on the information provided by the customer. The proposed insurance product and each proposed insurance contract must meet the requirements and needs of the customer.
-explains to the client the characteristics of the insurance product in an objective and understandable way, which allows him to choose an insurance product and decide on the conclusion of the insurance contract, after having been sufficiently informed about the insurance coverage and the rights and obligations of both parties. Especially during the distribution of insurance products of the insurance branches of par. 1 of article 4 of law 4346/2016, the distributor of insurance products additionally delivers the information document for the insurance product prepared by the respective insurance company for each of its products.
Provides the customer with advice on a specific insurance product or a specific insurance contract and explains to the customer the reasons why the proposed product best meets his needs.
Advice is provided in one of the ways provided for in Article 33 of the Directive, in paper form or on the Internet.