The Spanish insurance market is multi-channel. That is, you can get insurance in different formats of distribution models. Let's see which ones.
The insurance directly
On the one hand you can buy insurance directly from a company. This requires knowing in advance what you want and who delivers exactly what you want.
Insurance agents
Moreover you can buy your policy to an exclusive insurance agent. The agent is a representative of the insurance company, an extension of it. It would be an employee if he had variable income and a business relationship rather than labor. The agent must advise and help in case of disaster. The agent can only work with an insurance company and is prohibited by law to have several open source familiar with several insurance mediation simulating another figure.
In addition to the exclusive there is another type of agents are linked. They can operate with several brands of safe but if you hire them with the company A home insurance can not use your data to offer car insurance company B. Just because they are not holding your data. These types of agents are required a much more complete than the exclusive agents training.
Banks do not guarantee insurance
Banks are not insurers. Always they operate through a subsidiary company that will be exclusive agent or a tied agent. They will inform you of it and selling insurance without regard to any other bank product Curious no ?. They are technically called OBS.
Insurance brokers
Runners should be independent of any company. It is the only mediating figure who is required to advise you based on your needs and the market should choose the solution that best suits them. He does not work for any insurance but for you exclusively.
It requires the highest level of legal and technical training and have insurance to protect against possible errors and customer service to address your complaints.
Comparators insurance
Finally comparators are offered in the insurance price comparisons but do not come to value hedges or recommendations tailored to your risk profile. Some are owned by brokers, agents and other others ... nor is it known! It is important to read the legal provisions of the sites to see who is behind and what is legally obligated to you.
Video on the subject
I leave a video edited with iAhorro.com in which I explain the points to consider when deciding on the channel that suits you to take out insurance:
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