Pre-Contractual Information Notice – Spain (FOS) LBS0021A

In accordance with the Law 20/2015 of 14th July and the Royal Decree 1060/2015 of 20th November, the Insurer from whom cover has been requested, states:

1. The insurance contract is insured by Lloyd’s Insurance Company S.A.. Lloyd’s Insurance Company S.A. is a Belgian limited liability company with its registered office at Bastion Tower, Marsveldplein 5, 1050 Brussels, Belgium and registered with Banque-Carrefour des Entreprises / Kruispuntbank van Ondernemingen under number 682.594.839 RLE (Brussels). It is an insurance company subject to the supervision of the National Bank of Belgium. Its Firm Reference Number(s) and other details can be found on www.nbb.be. Website address: www.lloyds.com/brussels   E-mail: enquiries.lloydsbrussels@lloyds.com

2. Lloyd’s Insurance Company S.A. is authorised and regulated by the National Bank of Belgium, Boulevard de Berlaimont 3, 1000 Brussels, Belgium, and it is regulated by the Financial Services and Markets Authority, Rue du Congrès 12-14, 1000 Brussels, Belgium.

3. Unless otherwise stated in the insurance contract, the applicable laws are the Act 50/1980 of 8th October on Insurance Contracts, the Law 20/2015, of 14th July, the Royal Decree 1060/2015 of 20th November and related subordinate legislation.  The Spanish legislation on winding-up of insurance entities will not apply.

4. The Solvency and Financial Condition Report of Lloyd’s Insurance Company S.A. will be available on www.lloyds.com/brussels.

Acceptance of Limiting Clauses   LSW1691-15

In accordance with the article 3 of the Spanish Act on Insurance Contract, clauses that may be deemed to restrict the Insured’s rights have been especially highlighted in bold. The Policyholder/Insured states by means of his/her signature, that he/she has examined and understood the aforementioned highlighted clauses and agrees to abide by each one of them.

Spanish Notification of Policy Discrepancy Clause   LSW1091A-15

If the content of the policy contract differs from the insurance proposal form or from the agreed clauses, the policyholder shall be entitled to notify the insurer in the period of one month as from the date when the policy contract was provided so that the insurer may rectify the difference found.  Once this period has elapsed without such a notification being made, the policy provisions shall stand.