Pre-contractual Information
Important information about MCS as an insurance broker, its regulatory status, how it acts, remuneration, complaints, conflicts of interest and data protection.
UK English version · Updated for 2027This information is provided before the conclusion of an insurance contract in accordance with the requirements applicable to insurance distribution in Spain, including Royal Decree-Law 3/2020 of 4 February.
Please read this information carefully before entering into an insurance contract arranged through MCS.
A copy of this information may also be provided with an insurance quotation or other pre-contractual documentation.
General information about MCS
MCS del Mediterraneo Correduria de Seguros S.L. (“MCS”) is an insurance intermediary operating as an independent insurance brokerage (Correduría de Seguros) in Spain.
MCS is registered in the Register of Insurance and Reinsurance Distributors maintained by the Dirección General de Seguros y Fondos de Pensiones (DGSFP) under registration number J4541.
MCS maintains the professional liability insurance and financial capacity required for an insurance broker under applicable Spanish insurance-distribution legislation, including Royal Decree-Law 3/2020.
MCS del Mediterraneo Correduria de Seguros S.L. is part of Grupo Concentra.
How MCS acts for its clients
MCS provides insurance brokerage services with the aim of identifying insurance cover appropriate to the requirements communicated by its clients.
As an insurance broker, MCS acts independently from insurance companies and represents the interests of its clients in its insurance-brokerage activity.
Depending on the type of insurance and the circumstances, MCS may:
- identify and discuss your insurance requirements;
- obtain quotations from relevant insurance companies;
- compare relevant cover, conditions and available options;
- explain material differences between insurance proposals;
- provide personalised insurance-brokerage advice;
- assist with arranging the selected insurance policy;
- assist with policy administration; and
- provide assistance with claims and communication with the insurer where this forms part of the MCS service.
The final availability, premium, acceptance, exclusions, limits and policy conditions remain subject to the relevant insurer’s underwriting and policy terms.
Information and demands and needs
Before arranging insurance, MCS needs sufficient information about your circumstances, requirements and objectives to understand the cover you are seeking.
The information required will depend on the type of insurance. You should provide complete and accurate answers to questions concerning the risk to be insured.
Insurance companies may rely on the information supplied when assessing a risk and deciding whether, and on what terms, they are prepared to provide cover.
If relevant information is inaccurate or omitted, this may affect the insurer’s assessment, the terms of the policy or, in circumstances permitted by applicable law, the handling of a claim.
Insurance companies and comparison
MCS works with multiple insurance companies and can consider different insurance options depending on the type of risk, insurer appetite, customer circumstances and available products.
Not every insurer or every insurance product available in the Spanish market will necessarily be included in every comparison.
The insurers approached and the options considered depend on the particular insurance requirement and the market available for that risk.
Where MCS provides a recommendation, it will be based on the information supplied by the client and the insurance options considered relevant to those requirements.
Remuneration
MCS may be remunerated for its insurance-brokerage services in one or more of the following ways.
MCS may receive commission from an insurance company in relation to insurance business arranged through MCS.
Where applicable, MCS may agree professional fees directly with a client. Such fees will be disclosed and agreed where required.
In appropriate cases, remuneration may consist of a combination of insurer commission and fees paid by the client.
MCS may charge agreed administration or service costs in addition to the insurance premium where applicable.
MCS may also receive remuneration from insurers for ancillary services associated with insurance distribution, including services relating to premium collection or the overall portfolio of insurance business intermediated by MCS.
Where other companies within the wider group provide separate services to insurers, such as reinsurance, underwriting or consultancy services, those companies may receive their own fees or commissions for those separate services.
Reinsurance arrangements may also be used in connection with certain risks. Where appropriate and legally permitted, information relating to a risk may be shared with relevant reinsurance intermediaries and/or (re)insurers for that purpose.
If you would like clarification about how MCS is remunerated in relation to your insurance, you may ask your usual MCS contact.
Conflicts of interest
MCS maintains measures designed to identify, prevent and manage conflicts of interest that could arise in connection with insurance-distribution activities.
Where a conflict cannot be adequately prevented or managed, appropriate information will be provided where required by applicable law.
MCS is now part of Grupo Concentra, and relevant group relationships are taken into account when applying conflict-of-interest and compliance procedures.
Complaints and customer service
MCS maintains a complaints procedure for complaints relating to its insurance-brokerage and insurance-distribution services.
A complaint may be submitted to:
Under the procedure described in MCS’s current pre-contractual documentation, the maximum response period is one month where the complainant is a consumer and two months in other cases, calculated from receipt of the complaint by the relevant complaints or customer-service function.
Insurance Customer Ombudsman
If you disagree with the outcome, the current MCS pre-contractual documentation provides the following Insurance Customer Ombudsman contact:
DGSFP Complaints Service
Where the applicable prior complaint requirements have been met, a complaint may also be submitted to the Complaints Service of the Dirección General de Seguros y Fondos de Pensiones (DGSFP) .
The DGSFP currently allows complaints and enquiries to be submitted in writing and, subject to the applicable requirements, electronically through its official website.
Personal data and privacy
MCS processes personal data in accordance with applicable data-protection legislation, including Regulation (EU) 2016/679 (GDPR) and Spanish Organic Law 3/2018.
In order to provide insurance-brokerage and distribution services, MCS may need to process personal data required to assess insurance needs, obtain quotations, arrange and administer policies and assist with claims.
Depending on the insurance concerned, this may include special-category personal data, particularly health information, where such information is necessary and there is an appropriate legal basis for processing it.
If you provide personal information about another individual, you should ensure that you are entitled to provide that information and, where required, that the person has received the relevant privacy information.
Basic data-protection information
Main purposes
- providing insurance-brokerage services;
- assessing insurance requirements and obtaining quotations;
- administering insurance and assisting with claims;
- complying with legal and regulatory obligations; and
- carrying out other processing described in the MCS Privacy Policy.
Legal bases
- performance of a contract;
- steps taken before entering into a contract;
- legitimate interests;
- consent where required; and
- compliance with legal obligations.
Recipients
Depending on the service, information may be provided to insurers, medical or healthcare providers, loss adjusters, claims professionals, relevant Grupo Concentra companies and other service providers or authorities where there is an appropriate legal basis.
Your rights
Subject to applicable legal requirements, you may exercise rights of access, rectification, erasure, restriction, objection and data portability, and may withdraw consent where processing is based on consent.
You may also lodge a data-protection complaint with the Agencia Española de Protección de Datos (AEPD) where applicable.
Intellectual property and confidentiality of MCS documents
Reports, analyses and documents created by MCS in connection with quotation requests, risk negotiations or the placement of insurance may be protected by intellectual-property, copyright and confidentiality rights.
Such material must not be disclosed, reproduced or supplied to third parties where doing so would infringe MCS’s rights or a contractual or legal confidentiality obligation.
This does not restrict rights that a client has under applicable law to receive, retain or use documents that must legally be provided to them.
Current MCS communication channels
MCS currently provides insurance assistance through its website, its offices and several communication channels.
The MCS website currently lists offices in Alfaz del Pi, San Fulgencio and El Campello, as well as dedicated claims assistance.
Visitors can also contact MCS through website forms, telephone, email and WhatsApp, depending on the office and service required.
Important information before entering into insurance
Before accepting an insurance quotation, you should review the information supplied to you, including the insurer, cover, limits, exclusions, excesses, premium, duration and any other material policy conditions.
You should ask MCS for clarification if any part of the proposed cover is unclear or if your circumstances have changed since the information used to obtain the quotation was supplied.
An insurance contract is governed by the applicable policy documentation and the terms accepted by the insurer and policyholder.
Keeping this information
We recommend keeping a copy of this Pre-contractual Information together with your quotation and other insurance documentation.
The current version is also made available on the MCS website.
Where required, MCS may provide this information in another durable medium, including as part of documentation sent before the conclusion of an insurance contract.
Questions before taking out insurance?
Contact MCS if you need clarification about the insurance proposal, MCS’s role, remuneration, complaints procedure or this pre-contractual information.
