Basic steps in the process.

System access codes

The access codes will be sent by the Consorcio to the insurance entities' representatives.

It is a condition prior to receiving the codes that the representatives should be inscribed in the Consorcio's register of representatives, which is held by the Consorcio, Sub-directorate of Collections, Accounts and Budgets.

The Consorcio will hand over three codes to each entity and representative:

  • Insurance entity.
  • User.
  • Password.

Basic steps in the System

Step 1.

The presentation of forms will be carried out by data transmission in accordance with the following:

The insurance entities that are so obliged will have to constitute themselves as participants in the system and will comply and present the forms in accordance with the instructions set out in same. They will also be subject to the following:

  • ACCESS: They will communicate with the Consorcio de Compensación de Seguros (hereinafter the Consorcio) by Internet, or by any other equivalent means that enables them to access http://www.consorseguros.es/
  • IDENTIFICATION: Those that are making a declaration must identify themselves in accordance with the general access conditions for data transmissions.
  • In no event will the choice of a banking entity that will collaborate in the presentation of declarations/settlements oblige the declaring party to open a current account in said banking entity.
  • A separate deposit will be made for each form that is completed.
  • At least one form will be presented for each settlement period, and it will not be possible to accumulate different periods in one single form.
  • RETURNS: Once the area of activity and the form have been selected, the users should select the period that corresponds to the declaration that is being made.
  • COMPLIANCE: The forms will be filled in according to the instructions included in same. All of the concepts included in the forms that relate to surcharges and taxes collected during the period must be declared, as will the breakdown of premiums paid by instalments, if the case applies.

This stage ends with the representative confirming the veracity of the data.

  • CERTIFICATION DATA: The representative's individual data, and that of the insurance entity, will automatically be filled in by the system based on the information previously sent to the Consorcio.
  • SETTLEMENTS: Settlements will be carried out when the payment order is completed in the computer option designed for such purpose, and the full identification codes for the bank that will effect payment have been registered.
  • TRANSFERS: Once the payment has been authorised the form will be transferred and will be deemed to have been presented. For all effects and purposes the date of presentation will be the date of payment, always bearing in mind the system's working hours.

Step 2.

In the event that in the period in question the insurance entity has not collected and surcharges, this will be stated on the form in the appropriate section and the form will then be sent by data transmission. In this case, the date of confirmation will serve for all effects and purposes as the date of presentation.

Step 3.

As a general rule, the presentation of forms 10, 11 or 20 will also carry the obligation to present form 50. The only exception will be for life insurance policies which, because they are obliged to settle personal damages (form 10) would not be subject to the surcharge for the financing of the liquidating activity. (Form 50).

Step 4.

Applications for the return of undue deposits made by the insurance entity will be transacted outside the data transmission system, by means of a written communication sent to the Consorcio, in accordance with the stipulations of Article 30 of Royal Decree Real 731/1987, dated 15th of May.

Step 5.

Presentations at the counter.

Notwithstanding the stipulations mentioned in the preceding paragraphs, it will be possible to present the forms and settle the declarations in person at a bank counter. In this case, once the form has been completed two copies of said form will be printed and these will be presented to the collaborating bank. Payment will seal the act of declaring and settling the declaration and will determine the date of presentation. This option will only be available to those insurance entities that have direct insurance figures for the preceding financial year, as expressed by the premiums declared in Form 50, that did not exceed one million Euros (Resolution of the Consorcio's Presidency dated October 9, 2009).

Step 6.

No deductions or compensations, or balancing of accounts arising from previous periods will be admitted if they appear on the forms. Compensations will only be admitted if they arise from the surcharges corresponding to premium returns, as long as these in turn correspond to the effective return of premium payments to the policy holder (Resolution of the Consorcio's Presidency dated October 9, 2009).

Step 7.

The presentation of the declaration and the settlement must be effected in the natural month following the period to which they correspond, and will be deemed to have been effected outside the established period in any other case. This is in accordance with that which is established in section 6 of Article 18 of the Consorcio's Legal Statutes.

Step 8.

The declaration and settlement of the surcharges form part of the same action. The mere declaration does not infer compliance with the obligations regarding the obligatory surcharges, other than in the case of an absence of activity during the period in question.