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  • Sector: Car insurance: less expenses for claims but also fewer policies

Vehicle mobility on streets and highways throughout the country has been drastically reduced since the state of alarm in Spain for the coronavirus came into effect on March 14. The direct consequence is also a drastic decrease in the risk of accidents and that is why consumers have launched themselves to ask that insurers return or discount a percentage of the amounts paid by their car insurance.

The initiative comes from the organization Facua-Consumidores en Acción , which launched the #QuieroMiDinero platform this Monday with the aim of claiming part of the amount of car insurance for people who may be affected by a reduction in displacement.

" Insurers are making more money than ever because in these weeks they have had fewer claims and all we ask is for the provisions of the sector law to be applied," explains Rubén Sánchez , a Facua spokesperson, in a telephone conversation with EL MUNDO.

Sánchez refers to article 13 of Law 50/1980, of October 8, of the Insurance Contract, which establishes that the insured may "inform the insurer of all the circumstances that reduce the risk and are of such a nature that if they had If they were known to him at the time of the perfection of the contract, he would have concluded it under more favorable conditions. "

In the event that the client takes this step, the regulation provides that "at the end of the current period covered by the premium, the amount of the future premium must be reduced in the corresponding proportion, the policyholder being entitled otherwise to the resolution of the contract and the refund of the difference between the premium paid and the one that would have corresponded to pay, from the moment of the notification of the decrease in risk. "

Based on this article, Facua considers that "the more than 30 million vehicle insurance in force in Spain must be subject to returns or discounts" and for this reason it has sent a request to the Government to promote a measure that compels insurers of vehicles to communicate to their customers their right to obtain a reduction in the price of the premium.

"Consumers are unaware of the existence of this rule and many of them do not complain, so it must be protocolized that insurers inform their clients and return the corresponding amounts of the premiums that they have already paid," Sánchez explains.

Establishing that amount is the most complicated, because there is no scale that relates the variables, hence the organization urges a general regulation that responds to the situation caused by Covid-19 .

In addition, the association demands that it be established that users can decide the option they prefer: apply the discount on the next premium or refund a proportional part of the one already paid.

"If the government does not establish a common procedure, we would initiate individual and private actions to channel the claims," ​​added the spokesperson. Therefore, pending a possible response from the Executive, Facua recommends that each insured claim directly with their insurance company in order to benefit from any of the options on the table.

In the first hours of the platform, more than 200 people have already joined it .

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