Legal information about the company ABG ASSURANCES: insurance for musical instruments
PRESENTATION OF THE FIRM
ABG ASSURANCES is an insurance brokerage firm. It operates by analysing its clients’ needs and proposing one or more insurance policies selected from the products offered by one or more partner insurance companies.
With regard to these policies, we inform you that our firm is not subject to any contractual exclusivity obligation. Upon request, we can provide the names of the insurance companies with which we usually work.
In accordance with Article L.522-5-I of the Insurance Code, ABG ASSURANCES sets out in writing the requirements and needs expressed by the client, as well as the reasons justifying the suitability of the proposed contract, in order to enable the client to make an informed decision.
ABG ASSURANCES does not provide a personalised recommendation service.
Company name: ABG ASSURANCES
Company type: Limited liability company with capital of €70,000, registered with the Lyon Trade and Companies Register under number 401172564.
Head office: 58 Quai Pierre Scize 69005 Lyon
Telephone: +33 (0)4 72 27 00 36
E-mail address: infos@abgassurances.fr
ORIAS: Registered under number 07000056 (www.orias.fr) as an insurance broker
Insurance: Financial Guarantee and Professional Civil Liability in accordance with Articles L.512-6 and L.512-7 of the Insurance Code
Website: https://www.abgassurances.fr
We hereby declare that ABG ASSURANCES has no capital ties, including minority interests, and holds no voting rights or direct or indirect shareholdings in the capital of any insurance company or group, mutual insurance company, or provident institution. Likewise, no insurance company or group, mutual insurance company, or provident institution holds any voting rights or shareholdings, either directly or indirectly, in the capital of ABG ASSURANCES. ABG ASSURANCES is owned by its directors.
CUSTOMER PROTECTION / HANDLING OF CUSTOMER COMPLAINTS
ABG ASSURANCES is committed to providing its clients with a high-quality service at all times. However, if a client encounters any difficulties with the service provided, they may submit a complaint using the escalation process described below. ABG ASSURANCES undertakes to keep clients informed of the progress of their complaint, particularly in the event of exceptional circumstances that prevent agreed deadlines from being met.
a) Treatment:
Any complaint, defined as any expression of dissatisfaction with the professional service provided, may be submitted using one of the following methods:
- By post: ABG ASSURANCES – Service Réclamation – 58 Quai Pierre Scize 69005 Lyon
- By email: reclamations@abgassurances.fr
- By telephone : +33 (0)4 72 27 00 36
Regardless of the method by which the complaint is received, it will be forwarded to the customer’s usual contact person. The response to the complaint will be provided by post, email, or, where appropriate, by telephon
ABG ASSURANCES undertakes to acknowledge receipt of the complaint within ten (10) working days of the date of receipt, unless a response is provided within that period. A substantive response will be issued within a maximum of two (2) months from the date of receipt, except in special circumstances, in which case the customer will be kept informe
If the response provided by the customer’s usual contact at ABG ASSURANCES is not considered satisfactory, the customer may request a further review of their complaint. In such cases, the person responsible for handling customer complaints at ABG ASSURANCES will be contacted and will provide a written response. If no satisfactory resolution is reached, the complainant may refer the matter to a mediator.
b) Mediation:
In accordance with Articles L.612-1 and L.111-1 (6°) of the French Consumer Code, ABG ASSURANCES offers a consumer mediation service. As a member of CNCEF ASSURANCE, a professional association approved by the ACPR (French Prudential Supervision and Resolution Authority), the designated mediation body is ANM CONSOMMATION.
If the client does not receive a response within two (2) months of submitting their initial complaint, or if they are not satisfied with the response provided, they may refer the matter to the mediator free of charge:
- By post: ANM CONSOMMATION – 2 rue de Colmar, VINCENNES (94300)
- By email: contact@anm-conso.com
- By website: https://www.anm-conso.com/index.php
The costs of mediation are borne entirely by the professional. Consumer mediation is free of charge for the consumer (Article R.612-1 (2°) of the Consumer Code).
In accordance with the provisions of the Code of Civil Procedure and the Consumer Code governing mediation, the parties are free to enter into mediation or not, to withdraw from the process at any time, and to accept or reject the mediator’s proposed solution. Mediation does not preclude the possibility of bringing the matter before a court (Article R.612-4 (2°) of the Consumer Code).
REGULATORY AUTHORITY
Insurance is a regulated activity overseen by the Prudential Control and Resolution Authority (ACPR). The ACPR is an independent authority that ensures policyholders have access to accurate information and that insurance professionals comply with applicable regulations. Clients may contact the ACPR by post or online if they believe a broker’s practices are irregular or involve significant malfunctions: ACPR – 4 place de Budapest, 75009 Paris
REMUNERATION
The client is informed that, for the distribution of any insurance contract, the broker is remunerated by a commission (the amount of which is included in the insurance premium) paid by the insurance company or wholesale broker authorising the marketing of the insurance product(s) offered to the client. The broker may also receive any other economic advantage related to the distribution of the insurance contract, or a combination of these forms of remuneration.
Management fees may be added where one or more delegations are entrusted by the insurer or wholesale broker. In addition, fees and/or charges (flat-rate or based on time spent), the amount of which will have been communicated to the client prior to the signing of the insurance contract(s), may also be invoiced.
Regardless of the method of remuneration, ABG ASSURANCES undertakes that such remuneration will have no adverse effect on the quality of the service provided and will not interfere with its obligation to act honestly, impartially, and professionally in the client’s best interests.
MANAGING CONFLICTS OF INTEREST
The firm has a formal policy for managing conflicts of interest and has implemented specific organisational and control measures (resources and procedures) to prevent, identify, and manage any situations of conflict of interest that could harm its clients’ interests. In this regard, the firm attaches the utmost importance to the protection of its clients’ interests. A summary of the conflicts of interest management policy may be provided free of charge at any time upon request.
REGULATORY AUTHORITY
Insurance is a regulated activity overseen by the Prudential Control and Resolution Authority (ACPR). The ACPR is an independent authority that ensures policyholders have access to accurate information and that insurance professionals comply with applicable regulations. Clients may contact the ACPR by post or online if they believe a broker’s practices are irregular or involve significant malfunctions: ACPR – 4 place de Budapest, 75009 Paris
PERSONAL DATA PROTECTION
Information collected by ABG ASSURANCES, acting as data controller, is subject to electronic processing for the purposes of concluding, managing (including commercial management), and executing insurance contracts.
All or part of the data collected may also be used in connection with potential disputes (judicial or arbitration), the prevention of money laundering and terrorist financing (AML/CFT), the handling of customer complaints, compliance with applicable regulations, or the analysis of all or part of the data in order to improve, where applicable, insurance products and assess your situation in relation to your insurance needs.
This data is hosted in France and retained for a period not exceeding what is necessary for the purposes described above, or for the duration required by the CNIL (insurance-sector standards) or by applicable law.
All or part of the collected data may be shared with insurers (regardless of their legal status), wholesale or managing brokers, reinsurers, partners, or authorised professional bodies, where such access is required to carry out all or part of the operations described above.
In accordance with personal data protection regulations, you have the right to access, rectify, update, object to, erase, and transfer your personal data. You may exercise these rights by contacting us at infos@abgassurances.fr or at the postal address indicated above. For any request, please specify your surname, first name, and email address, and attach a double-sided copy of a valid form of identification.
If you experience any difficulty relating to the processing of your personal data, you may lodge a complaint with the management of ABG ASSURANCES or with the French Data Protection Authority (CNIL) by post (3 Place de Fontenoy – TSA 80715 – 75334 Paris Cedex 07), by telephone (+33 1 53 73 22 22), or via the website: