A once años de la promulgación de la Ley de Contrato de Seguro, existe una relevante casuística en que tribunales judiciales y administrativos han debido pronunciarse sobre conflictos que afectaban derechos de consumidores, discerniendo entre su aplicación y la del Código de Protección y Defensa del Consumidor. La ley cede, en su artículo I, a la aplicación supletoria del código cuando el asegurado es consumidor o usuario, para finalizar indicando que, en caso de conflicto, se deberá aplicar siempre lo más favorable a este, que no necesariamente se encuentra en los preceptos o principios del derecho de consumo. En el presente capítulo reflexionamos sobre el marco normativo de protección del consumidor de seguros, y, a partir de la cita a ciertos pronunciamientos emblemáticos y su análisis a la luz de los principios jurídicos positivos sectoriales del seguro, buscamos ayud...

A study is made of the regulation that considers a bancassurance operation to be one in which the financial company would enter into group insurance as a contracting party, which empowers it to market coverage among its customers, and determines how this provision implements a system of distribution of individual insurance. The work identifies the main effects on the consumer, which occur when the marketing financial institution exercises the role of contracting party; and by contrast, the advantages of regulating their roles and responsibilities as an agent and representative of the insurer, for the protection of policyholders and the centralized management of individual policies. This study is a review of the technical justification of this type of improper group insurance, in the context of the current regulatory developments of the intermediation activity.

A study is made of the regulation that considers a bancassurance operation to be one in which the financial company would enter into group insurance as a contracting party, which empowers it to market coverage among its customers, and determines how this provision implements a system of distribution of individual insurance. The work identifies the main effects on the consumer, which occur when the marketing financial institution exercises the role of contracting party; and by contrast, the advantages of regulating their roles and responsibilities as an agent and representative of the insurer, for the protection of policyholders and the centralized management of individual policies. This study is a review of the technical justification of this type of improper group insurance, in the context of the current regulatory developments of the intermediation activity.