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  • ADECOSE
    2012 2011 2010 2009 Dossier de Prensa Memoria Corporativa Logos Más información Enlaces Contacto Notas de Prensa 2016 2015 2014 2013 2012 2011 Adecose en los medios Dossier de Prensa Memoria Corporativa Logos Más información Home Prensa Notas de Prensa 2016 2016 2 2 2016 ADECOSE y CONSEJO participan en la reunión semestral de BIPAR Los días 28 y 29 de enero delegaciones de ADECOSE y CONSEJO GENERAL participaron en la reunión semestral de la Federación Europea BIPAR que tuvo lugar en Bruselas a la que también acudió una importante representación de las distintas asociaciones pertenecientes a la Federación En representación de ADECOSE acudieron Juan Ramón Plá secretario general de BIPAR y vicepresidente 2º de la Asociación Borja López Chicheri director gerente y Ana Dávila responsable de comunicación y del CONSEJO GENERAL Domingo Lorente secretario general de la Institución Joan Miquel Vicente miembro de la Comisión Internacional y Manel Vila expresidente de BIPAR A las tradicionales reuniones de los comités de Agentes y de Brokers para tratar temas específicos sobre cada canal de distribución tuvo lugar un panel destacado sobre las obligaciones que traerá consigo para el sector el Reglamento europeo de protección de datos que se aprobará formalmente en los próximos meses así como un taller de media jornada dedicado a la Digitalización en la que se asistió a interesantes presentaciones y posteriores debates que contribuyeron a identificar los desafíos que la digitalización implica para nuestro sector Asimismo en el transcurso de las jornadas se debatió en profundidad sobre los proyectos regulatorios que a nivel comunitario afectan más al sector en cuyo contexto Ana Kadar de la Unidad de Seguros y Pensiones de la Dirección General de Mercado Interior y Servicios de la Comisión Europea y David Cowan coordinador del equipo de protección al consumidor e innovación financiera de

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  • Política de calidad

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  • ADECOSE
    DE SEGU CAMPOS Y RIAL S A CAR CORREDURÍA DE SEGUROS SLV CARASA CILVETI LACORT Y CIA CORR CENTERBROK SERVICIOS A LA MEDIACIÓN CENTRAL D ASSEGURANCES S L GRUPO CENTRO DE SEGUROS Y SERVICIOS S A CICOR INTERNACIONAL S L CORREDURI CLOSA CORREDURIA DE SEGUROS S A COBERTIS S L COMERCIAL GESTORA CORREDURÍA DE SEG CONFIDE CORREDURIA DE SEGUROS Y REA CONSULTING DE SEGUROS S A CORPORACION DE MEDIADORES DE SEGURO CORREDORES TECNICOS DE SEGUROS COT CORREDURÍA DE SEGUROS CARREFOUR SAU COSEBA 1986 CORREDURÍA DE SEGUROS COSNOR CORREDURÍA DE SEGUROS S L COTEYSER S L COYFER CORREDURÍA DE SEGUROS S A DEL MORAL CHIVITE ASOCIADOS CORR DELTA CORREDURÍA DE SEGUROS S L E P G SALINAS S L EBS EXEL BROKER DE SEGUROS EOS GLOBAL CORREDURÍA DE SEGUROS Y ESTUDIO SATE S L CORREDURIA DE SE FERRER OJEDA ASOCIADOS S L FILHET ALLARD CORREDURÍA DE SEGUROS GARCIA BERMELLO CORREDURIA DE SEG GESA MEDIACIÓN S L U CORREDURÍA DE GEXBROK MEDIACIÓN S L GLOBALFINANZ GESTION CORREDURIA DE GRUPMACH S L GRUPO MAYO CORREDURÍA DE SEGUROS S GRUPO MUNTADAS S A GRUPO PACC CORREDURIA DE SEGUROS S GRUPO VG EUROPE CORREDURÍA DE SEGUR GTA GESTORES TÉCNICOS ASEGURADORES H C ASESORES DE RIESGO CORREDURÍ HOWDEN IBERIA S A HWI ESPAÑA S A CORREDURÍA DE SEGU IBERSEGUROS S A INTERMUNDIAL XXI S L CORREDURIA D INTERNACIONAL INSURANCE BROKER CORR JORI ARMENGOL ASOCIADOS S A KALIBO CORREDURIA DE SEGUROS S L LLERANDI CORREDURIA DE SEGUROS S A MARCH JLT CORREDURIA DE SEGUROS Y MARSH S A MEDICORASSE CORREDORIA D ASSEGURANC MERCEDES BENZ SERVICES CORREDURÍA D MERCER CONSULTING S L MOLYMA S A CORREDURIA DE SEGUROS MULTIASISTENCIA PROTECCIÓN S L NORBROK 21 CORREDURÍA DE SEGUROS S OLLER BUSINESS INSURANCE BROKERS S OP DE BEECK WORTH CORREDURÍA DE S ORES BRYAN S L OSKAR SCHUNCK ESPAÑA CORREDURÍA

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  • ADECOSE
    that must be assumed by every member broker of ADECOSE The founding values of the association which are fully in force today are objectivity ethical practises transparency and quality service for the customer These principles and founding values are embodied in the following obligations 1 To perform professional and adequate risk analysis so as to allow us to recommend the best possible insurance cover and products for our clients 2 To inform the client of their rights and obligations regarding the insurance policies contracted by professional mediation 3 To assist the customer regarding any right derived from subscribing to any insurance policy particularly with regard to processing claims 4 To respect at all times the terms and directives set by the customer 5 To uphold professional secrecy 6 To promote amicable solutions in the case of discrepancies between customers and the insurance entity 7 To assume the commitment of adequately training staff both of our own company and collaborators and therefore to offer an added value service of quality 8 To maintain ethical practises in professional activity with customers policyholders and suppliers 9 To provide customers and insurers with clear precise and honest information at all times regarding any modifications

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  • ADECOSE
    Romaní AON GIL Y CARVAJAL SECOND VICE PRESIDENT D Juan Ramón Plá Otañez CORPORACIÓN DE MEDIADORES DE SEGUROS TREASURER D Julio de Santos Algar ALKORA EBS SECRETARY D Francisco J Fernández Armela MARSH ESPAÑA MEMBERS OF THE BOARD D Joaquín Huergo Luz B V C ARTAI D José Joaquín Rial González CAMPOS Y RIAL D Juan Manuel Gayá Soler CENTRO DE SEGUROS Dña Elisa Poch Gómez EPG SALINAS D Tomás

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  • ADECOSE
    of amount and for whatever cause or origin of the right or obligation of the Association g Represent the Association before any authority state official and institution of the Central Autonomous or Municipal Governments and before any Court or Tribunal of any order and jurisdiction and in whatever cases or trials are in the interest of the Association in any judicial proceedings or jurisdiction whether national or international including voluntary jurisdiction and arbitration proceedings regardless of the denomination of the body or organisation before which proceedings are held In all these cases the Board of Directors will have the most extensive powers to institute proceedings and enter pleas present documents and vouch for whatever is necessary challenge strike offer and admit evidence including interrogations under oath or expert statements and to take legal action and present whatever appeal including extraordinary appeals for cassation or revision h Postpone and settle credits actions rights and debts if need be recurring to private law or equity arbitration to drop proceedings and appeals even judicial proceedings with the conditions agreements and obligations deemed most appropriate i Grant powers on behalf of the Association to attorneys prosecutors administrative managers and individual persons in order to enable them to represent the Association j Nominate suspend separate and fix the duties and remuneration for all technical or administrative personnel dependent on the Association in accordance with applicable legal provisions and in compliance with all related obligations of the Association k Appear before a Notary to perform notarised demands of any description and answer said demands l Prepare the Association s annual budget to be submitted to the General Assembly Meeting m Attend to the record of accounts of the Association and through the Treasurer safeguard the corresponding business records and documentation n Resolve upon proposal from the corresponding internally constituted committee in Article 11 2 a all Associate admissions and expulsions as well as deciding sanctioning measures to be imposed in the event of infringements or non compliance of associates o Delegate said faculties either wholly or in part to whatever person or persons nominated and to suspend existing delegations p Nominate and terminate the office of Managing Director informing the General Assembly of its decision at the first meeting held q Any other decision relevant to the Association which is not the sole competence of the General Assembly or that has been conferred by same with exception to that as outlined in Article 7 5 of the By laws Article 10 Structure 1 The Board of Directors is comprised of the following members a The President b The First and Second Vice Presidents c The Treasurer d The Secretary e The number of members appointed by the Assembly with a maximum of ten representatives so that the total number of Board members is always an odd number 2 The Board of Directors elects The President at the first meeting held prior to the election of the Board who in turn will nominate candidates to the remaining positions of responsibility Article 11 Organisation 1 The Board of Directors can organise and distribute its internal workload in whatever manner it sees fit and must inform the General Assembly thereof In particular the Board can establish the Delegate Committee as proposed in following Article 2 In the event that specific issues require attention An Admissions Committee an Electoral Committee and an Ethics Committee will be established and will meet prior to Board of Directors meetings so as to inform the Board of the situation and to propose a course of action to be taken a The Admissions Committee is responsible for processing and reporting new members admission applications processing sanction proceedings dossiers and submitting the corresponding proposed resolutions to the Board of Directors It also takes charge of adopting the pertinent precautionary measures b The Electoral Committee is responsible for overseeing the renewal proceedings for the Board of Directors resolution of complaints arising from said process and making provision to cover vacant positions which may arise c The Ethics Committee ensures that all Associates act in compliance with the Code of Conduct The Committee also processes disciplinary proceedings and proposes resolutions for any breaches in this domain The Committee is comprised of five members The President of the Association and four other members freely nominated by the Board of Directors from among its members or from the remaining rightful associates 3 If for any reason facts come to light which may in any way jeopardize the impartial and unbiased action of any Committee members the Board of Directors will decide whether said member s must be replaced and who should replace them 4 The Board of Directors may establish other Committees of a permanent or temporary nature outlining the scope of each Committee s functions entrust third parties to perform whatever research or reports are deemed necessary as a basis for its decision making process as well as inviting experts to attend Committee meetings to share their technical or professional opinions concerning items on the agenda Article 12 Delegate Commission 1 The President may appoint a Delegate Commission to act as the Association s permanent management administrative and recommendations body made up of a minimum of the President the two Vice Presidents the Treasurer and the Secretary The existence of such a body would allow for adaptation of the regularity of Board of Directors meetings 2 The Delegate Commission will meet pursuant to the manner and contents as decided by the President 3 The Delegate Commission is responsible for carrying out the duties assigned to it by the Board of Directors the everyday supervision and monitoring of all matters concerning the Association and the adoption of urgent and or pressing agreements and informing the Board of Directors thereof at the first meeting held Article 13 Term of Office 1 The Board of Directors is appointed by the General Assembly for a term of office of four years with the provisions indicated in section 3 of the present Article 2 Once this tenure has expired the Board will continue in the exercise of its duties temporarily until such time as the new Board of Directors has been appointed This appointment must take place within three months of term expiry During this time the Board can only approve resolutions concerning everyday administration and which do not jeopardize the management of the new Board of Directors 3 More than one third of the total number of associate members is required in order to use a motion of censure against the Board of Directors at the extraordinary General Assembly convened for this purpose in compliance with the manner and in adherence to the requirements stipulated in Article 8 Besides the signatory associates the motion must also indicate the list of candidates who in compliance with Article 14 6 petition to occupy the positions of responsibility on the Board of Directors In order to be ratified the motion must be have absolute majority approval of the associates Article 14 Election of Board of Directors 1 The ordinary replacement process for positions on the Board takes place during the seven calendar week period prior to end of term of office 2 With sufficient notice the Electoral Committee of the Board of Directors issues written and reliable communication thereof to all associates that must include the opening date and deadline for presenting candidate nominations which must be a minimum of three calendar week period 3 Candidate nominations must be handed in whether in person or any means that allows for verifiable certified proof of reception and contents to Association headquarters before 8 00 PM on the final day addressed to the Electoral Commission duly signed by the constituting parties 4 Once the deadline has expired the Electoral Commission must communicate any irregularities in candidates applications within three working days after expiry in order that the candidate s in question may present the necessary claims or objections within two working days following this period 5 The Board of Directors settles claims proclaiming the list of candidates and calling the electoral session at least 15 days prior to election day 6 Candidates must meet the following eligibility criteria before running for election a Be a full member of the Association prior to the presentation deadline date for candidatures b To have a minimum of 4 years seniority in the Association c Be a fully paid up member d Confirmation of candidature by way of representative power of attorney from a legal representative or agreement of a legal representative e The associate member or the individual representing said member must not have lost his her condition as member of the Board of Directors in the four year period prior to election as a result of any of the causes indicated in Article 16 1 with exception to section b f State that they do not meet any of the circumstances outlined in Article 16 1 e or if the case may be submit this information to the Electoral Committee for their appraisal 7 Elections of Board of Directors members is carried out by direct and secret ballot of the members of the General Assembly through attendance or by mail by way of ballot where each voter must record a maximum of the same number of names as the number of positions vacant 8 Ballots which have been crossed out or altered will be deemed null and void as well as ballots which include information other than the names of the candidates or ballots which nominate more candidates than the number of vacant positions Furthermore in order for a vote by mail to be considered valid it must be sent via any means that ensures verifiable certified proof of reception to Association headquarters before 8 00 PM on the working day prior to election day The Secretary is responsible for safeguarding votes by mail in sealed envelopes and submitting them to the Electoral Commission 9 The counting of votes begins with the counting of ballots deposited in the ballot box and finally with the counting of votes by mail The candidates who receive the majority number of valid votes are elected to positions on the Board of Directors The Secretary then draws up a record of the election results including mention of any incidents arising from the process 10 The newly elected Board of Directors hold a constitutional meeting in accordance with the maximum period of time permitted for same as outlined in Article 13 2 At this meeting the positions outlined in Article 10 1 are distributed and the final results are then made known immediately to all associates 11 The appointment of the position of President is made from among those individuals who have been members of a Board of Directors of the Association at some point in the past In the event that such a case were not to exist for any of the members of the newly appointed governing body or if the requirements are met but none of the members accept the nomination the position of President will be chosen from among the remaining members Article 15 Meetings of the Board of Directors 1 The Board of Directors meets at least once a month except during the month of August 2 Meetings of the Board of Directors are deemed validly constituted whenever the majority of its members are in attendance and in any event whenever the President or Secretary personally attends or their duly appointed deputies 3 Resolutions are adopted by simple majority of members in attendance The President may make use of his vote solely in the event that the stipulations as outlined in Article 17 3 are met 4 The Managing Director may attend meetings of the Board of Directors with a say but he cannot vote 5 Attendance of meetings of the Board of Directors is compulsory and delegation is forbidden Failure to attend must be communicated in writing to the President who records this in the minutes of the meeting 6 Meetings are convened by the President through the Secretary via e mail with at least four working days notice except in the event of an urgent matter Nevertheless the Board of Directors is deemed validly constituted without having previously convened the meeting whenever all of its members are in attendance and unanimously decide to convene the meeting 7 The Agenda for the meeting reflects those issues in the opinion of the President that should be the object of debate and deliberation by the Board of Directors including issues requested by three or more of its members via written statement presented two working days in advance of the meeting 8 With the exception of the circumstances outlined in the foregoing sections the conditions outlined in Articles 6 and 7 of the By Laws concerning meetings of the General Assembly are also applicable in the case of Board of Directors meetings Article 16 Resignation and termination 1 Membership of the Board of Directors shall be withdrawn in any of the following circumstances a Having association membership withdrawn as a result of any of the reasons outlined in Article 28 b Voluntary resignation c Due to unjustified absence at three or more consecutive meetings or five or more non consecutive meetings during the period of one calendar year d As a result of the associate or their duly appointed representative on the Board of Directors being the subject of disciplinary sanctioning proceedings arising from practices or conduct deemed to be in breach of the Association s By Laws or Code of Ethics e After evaluation by the Board of Directors if the associate or his her representative undertakes positions on advisory or management bodies of other Associations whose objectives or activities are similar or coincide with those of ADECOSE and in any event when the independence or impartiality of the Association may be called into doubt or in the case of a possible conflict of interests 2 In the event that the cases indicated in the preceding subsections a and b above were to occur termination will be deemed automatic and will take effect immediately at the time said circumstance occurs 3 In the cases indicated in the preceding subsections c d and e above once the legal grounds for termination have been established the Admissions Committee will undertake the appropriate proceedings and the member concerned is granted a period of ten working days to present further arguments In such cases if legitimate grounds exist the Admissions Committee may temporarily suspend membership of the Board of Directors informing the Board thereof so that they may adopt the pertinent resolution Article 17 Provision for vacancies 1 In the event of a vacancy the Electoral Committee is responsible for proposing the candidate to occupy the available position in keeping with results of the previous ordinary renewal process of the Board of Directors provided that the requirements indicated in Article 14 6 are met The elected candidate will occupy said position for the remaining term of office of this Board of Directors The General Assembly is informed of all these matters at the following meeting held 2 For the purposes of the provisions in the preceding section the Electoral Committee sends official verifiable communication to the candidate concerned within 2 working days who then has a similar period in which the candidate may accept of refuse nomination Failure on the part of the candidate to respond to this communication within the period indicated will be interpreted as a refusal and the next most voted candidate will be informed 3 If no candidate is available or all candidates refuse the appointment the Board of Directors will determine the best course of action to be taken which must be ratified by the next meeting of the General Assembly A vacant position will in no way affect the performance of the Board of Directors nor the validity of resolutions adopted during this period If any such case were to arise the President will have the casting vote to settle tie votes that might occur 4 In the case of a merger between two or more Members when several of these are members of the Board of Directors the number of members as appropriate shall be terminated pursuant to the manner indicated in the preceding sections so that the recently merged Company is represented by one single member on the Board 5 When a vacancy affects the composition of one of the existing Committees on the Board of Directors the candidate chosen to fill said vacancy shall be chosen by the Board from among its members Section Three Board of Directors Positions Article 18 President 1 The President of the Board of Directors is also the President of the Association acts on its behalf presides over the established governing bodies determines the agenda for meetings oversees the progress of same and enforces the corresponding resolutions 2 By authorization of the Board of Directors the President is responsible for exercising the following duties a Duties that are the responsibility of the President alone as indicated in subsections g i and k of Article 9 2 b The duties indicated in subsections b h j and 0 of Article 9 2 upon agreement from the Board of Directors who will nominate a minimum of one other member of the Board to jointly exercise said duties c The duties indicated in subsections c d e and f of Article 9 2 jointly with the Treasurer of the Association d Together with the Secretary to supervise and co sign all minutes from General Assembly and Board of Directors meetings as well as to endorse certifications issued with their Approval or Verification e Call meetings of the Board of Directors and its Delegate Commission Article 19 Vice Presidents 1 The Vice Presidents in corresponding order of position shall substitute the President in the event of his absence vacancy or illness 2 It is the responsibility of the Vice Presidents to assist the President in the

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  • ADECOSE
    opportunity to write just a few short lines to welcome you on behalf of the Board of Directors of our Association The brokers associated with ADECOSE share a common philosophy of professionalism independence and customer service and possess an entrepreneurial vision that has distinguished the Association both in the past and in the present and demonstrated our capacity as clear and prominent communicating partners with the Public Administration Insurance entities

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  • ADECOSE
    value of an insurance broker member of ADECOSE Becoming a member Becoming a member Associates International Relations Contact Us ADECOSE Code of Conduct Organization By Laws Letter from the President The added value of an insurance broker member of ADECOSE Home ADECOSE The added value of an insurance broker member of ADECOSE ADECOSE 2014 Serrano 81 1º dcha 28006 Madrid T 34 915 903 318 F 34 915 630 481

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