Buying a car with a pledgee looks like a simple operation. However, behind that procedure there is a practice that violates basic consumer rights: the imposition of insurance through the same supplier that finances the operationusually acting as Institutional agent of an insurer. This not only increases insurance and reduces the quality of advice, but violates express norms of Argentine law.
The Superintendence of Insurance of the Nation He warned and regulated this situation through Resolutions 24/2023 and 407/2023. These norms establish that the consumer must have full freedom to choose the insurance hiring channelbeing able to choose between an insurance advisor (PAS), an institutional agent or a direct insurer. If the channel is proposed by the pledgee, a list of At least five insurers and intermediation costs cannot be transferred if the client did not actively choose that way.
But there is more: the General Resolution 08/2015 of the IGJin its chapter I, articles 13.2.1 and 13.2.2expressly prohibits that the administrative entities of savings plans or companies linked to the funded sale impose certain insurers, or receive commissions for that hiring, unless the consumer has been duly informed and has given free consent.
From the civil plane, the Civil and Commercial Code of the Nation It also supports the consumer. He Article 1094 It establishes that in any consumer relationship, principles of protection and dignified treatment should be applied. And the Article 1099 Declares void those clauses that, contrarying good faith and contractual balance, generate damages to the consumer. What greater damage than to pay more expensive insurance, without advice, and without a real possibility of choosing?
This normative combo is clear: The imposition of insurance in predial credits is illegal If there is no informed consent, real alternatives and transparent prices.
From I hadVechoque.com.ar We defend the role of the PAS and promote compliance with these standards. Insurance is not an accessory: it is a protection tool that the consumer must be able to choose with freedom and legal support.
by contentnoticias
