{"id":233811,"date":"2021-10-15T13:26:43","date_gmt":"2021-10-15T13:26:43","guid":{"rendered":"https:\/\/arc.coop\/faqs\/"},"modified":"2021-10-15T13:26:43","modified_gmt":"2021-10-15T13:26:43","slug":"faqs","status":"publish","type":"page","link":"https:\/\/arc.coop\/en\/faqs\/","title":{"rendered":"Preguntes freq\u00fcents FAQs"},"content":{"rendered":"<div class=\"fusion-fullwidth fullwidth-box fusion-fullwidth-1  fusion-parallax-none nonhundred-percent-fullwidth\" style=\"border-color:#eae9e9;border-bottom-width: 0px;border-top-width: 0px;border-bottom-style: solid;border-top-style: solid;padding-bottom:5px;padding-top:5px;padding-left:;padding-right:;background-color:rgba(255,255,255,0);\"><style type=\"text\/css\" scoped=\"scoped\">.fusion-fullwidth-1 {\n                            padding-left: px !important;\n                            padding-right: px !important;\n                        }<\/style><div class=\"fusion-row\"><div class=\"fusion-one-fifth fusion-layout-column fusion-spacing-yes\" style=\"margin-top:0px;margin-bottom:20px;\"><div class=\"fusion-column-wrapper\"><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-three-fifth fusion-layout-column fusion-spacing-yes\" style=\"margin-top:0px;margin-bottom:20px;\"><div class=\"fusion-column-wrapper\"><div class=\"fusion-title title fusion-sep-none fusion-title-center fusion-title-size-one\" style=\"margin-top:0px;margin-bottom:31px;\"><h1 class=\"title-heading-center\">Preguntes freq\u00fcents<\/h1><\/div><div id=\"lipsum\">\n<div id=\"lipsum\">\n<p style=\"text-align: center;\"><strong>Volem impulsar un sector assegurador que utilitzi un llenguatge planer, senzill i comprensible per a tothom. Per aix\u00f2, compartim les respostes a les preguntes m\u00e9s freq\u00fcents que rebem de la nostra comunitat classificades en set grans categories. I ho hem intentat fer de la manera m\u00e9s f\u00e0cil i entenedora possible.<\/strong><\/p>\n<\/div>\n<\/div>\n<div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-one-fifth fusion-layout-column fusion-column-last fusion-spacing-yes\" style=\"margin-top:0px;margin-bottom:20px;\"><div class=\"fusion-column-wrapper\"><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div id=\"coop\"><div class=\"fusion-fullwidth fullwidth-box fusion-fullwidth-2  fusion-parallax-none nonhundred-percent-fullwidth\" style=\"border-color:#eae9e9;border-bottom-width: 0px;border-top-width: 0px;border-bottom-style: solid;border-top-style: solid;padding-bottom:20px;padding-top:0px;padding-left:;padding-right:;background-color:rgba(255,255,255,0);\"><style type=\"text\/css\" scoped=\"scoped\">.fusion-fullwidth-2 {\n                            padding-left: px !important;\n                            padding-right: px !important;\n                        }<\/style><div class=\"fusion-row\"><div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-separator fusion-full-width-sep sep-single\" style=\"border-color:#2e7952;border-top-width:1px;margin-left: auto;margin-right: auto;margin-top:;margin-bottom:30px;\"><\/div><div class=\"fusion-title title fusion-sep-none fusion-title-center fusion-title-size-two\" style=\"margin-top:0px;margin-bottom:31px;\"><h2 class=\"title-heading-center\">Corredoria<\/h2><\/div><div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-separator fusion-full-width-sep sep-single\" style=\"border-color:#2e7952;border-top-width:1px;margin-left: auto;margin-right: auto;margin-top:;margin-bottom:30px;\"><\/div><style>#sp-ea-151436 .spcollapsing { height: 0; overflow: hidden; transition-property: height;transition-duration: 500ms;}#sp-ea-151436.sp-easy-accordion>.sp-ea-single {margin-bottom: 10px; border: 1px solid #e2e2e2; }#sp-ea-151436.sp-easy-accordion>.sp-ea-single>.ea-header a {color: #444;}#sp-ea-151436.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body {background: #fff; color: #444;}#sp-ea-151436.sp-easy-accordion>.sp-ea-single {background: #eee;}#sp-ea-151436.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon { float: left; color: #444;font-size: 16px;}<\/style><div id=\"sp_easy_accordion-1777884590\"><div id=\"sp-ea-151436\" class=\"sp-ea-one sp-easy-accordion\" data-ea-active=\"ea-click\" data-ea-mode=\"vertical\" data-preloader=\"\" data-scroll-active-item=\"\" data-offset-to-scroll=\"0\"><div class=\"ea-card ea-expand sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-1514360\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse1514360\" aria-controls=\"collapse1514360\" href=\"#\" aria-expanded=\"true\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-minus\"><\/i> Qu\u00e8 \u00e9s una corredoria d\u2019assegurances?<\/a><\/h3><div class=\"sp-collapse spcollapse collapsed show\" id=\"collapse1514360\" data-parent=\"#sp-ea-151436\" role=\"region\" aria-labelledby=\"ea-header-1514360\"> <div class=\"ea-body\"><p>Una corredoria d\u2019assegurances \u00e9s una <strong>empresa de serveis<\/strong> que exerceix com a <strong>intermedi\u00e0ria<\/strong> entre, per una banda, les necessitats asseguradores de persones particulars, empreses i organitzacions i, per altra banda, les empreses i entitats asseguradores que ofereixen el producte assegurador.<\/p><p>Les corredories tenen l\u2019obligaci\u00f3 d\u2019oferir assessorament professional i imparcial. S\u00f3n <strong>entitats independents<\/strong> que no depenen de cap entitat o companyia.<\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-1514361\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse1514361\" aria-controls=\"collapse1514361\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Quines difer\u00e8ncies hi ha entre una corredoria i una entitat o companyia asseguradora?<\/a><\/h3><div class=\"sp-collapse spcollapse \" id=\"collapse1514361\" data-parent=\"#sp-ea-151436\" role=\"region\" aria-labelledby=\"ea-header-1514361\"> <div class=\"ea-body\"><p>Una<strong> corredoria<\/strong> <strong>assessora<\/strong>, des de la professionalitat, la imparcialitat i la independ\u00e8ncia, a les persones particulars o a les empreses i organitzacions quins productes poden cobrir millor les seves necessitats asseguradores. Desenvolupa un paper de mediador entre les persones, empreses o entitats i el mercat assegurador.<\/p><p>En canvi, quan parlem d\u2019una <strong>companyia o entitat asseguradora<\/strong> ens estem referint a l\u2019<strong>empresa que assumeix els riscs<\/strong> de les persones o entitats que estan assegurades. Una entitat o companyia asseguradora ofereix diferents productes a les corredories o agents. \u00c9s qui assumeix l\u2019assist\u00e8ncia en cas de sinistre o accident.<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div id=\"coop\"><div class=\"fusion-fullwidth fullwidth-box fusion-fullwidth-3  fusion-parallax-none nonhundred-percent-fullwidth\" style=\"border-color:#eae9e9;border-bottom-width: 0px;border-top-width: 0px;border-bottom-style: solid;border-top-style: solid;padding-bottom:20px;padding-top:20px;padding-left:;padding-right:;background-color:rgba(255,255,255,0);\"><style type=\"text\/css\" scoped=\"scoped\">.fusion-fullwidth-3 {\n                            padding-left: px !important;\n                            padding-right: px !important;\n                        }<\/style><div class=\"fusion-row\"><div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-separator fusion-full-width-sep sep-single\" style=\"border-color:#2e7952;border-top-width:1px;margin-left: auto;margin-right: auto;margin-top:;margin-bottom:30px;\"><\/div><div class=\"fusion-title title fusion-sep-none fusion-title-center fusion-title-size-two\" style=\"margin-top:0px;margin-bottom:31px;\"><h2 class=\"title-heading-center\">Asseguran\u00e7a<\/h2><\/div><div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-separator fusion-full-width-sep sep-single\" style=\"border-color:#2e7952;border-top-width:1px;margin-left: auto;margin-right: auto;margin-top:;margin-bottom:30px;\"><\/div><style>#sp-ea-151454 .spcollapsing { height: 0; overflow: hidden; transition-property: height;transition-duration: 500ms;}#sp-ea-151454.sp-easy-accordion>.sp-ea-single {margin-bottom: 10px; border: 1px solid #e2e2e2; }#sp-ea-151454.sp-easy-accordion>.sp-ea-single>.ea-header a {color: #444;}#sp-ea-151454.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body {background: #fff; color: #444;}#sp-ea-151454.sp-easy-accordion>.sp-ea-single {background: #eee;}#sp-ea-151454.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon { float: left; color: #444;font-size: 16px;}<\/style><div id=\"sp_easy_accordion-1770628981\"><div id=\"sp-ea-151454\" class=\"sp-ea-one sp-easy-accordion\" data-ea-active=\"ea-click\" data-ea-mode=\"vertical\" data-preloader=\"\" data-scroll-active-item=\"\" data-offset-to-scroll=\"0\"><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-1514540\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse1514540\" aria-controls=\"collapse1514540\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Qu\u00e8 \u00e9s una asseguran\u00e7a?<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse1514540\" data-parent=\"#sp-ea-151454\" role=\"region\" aria-labelledby=\"ea-header-1514540\"> <div class=\"ea-body\"><p>Una asseguran\u00e7a \u00e9s un <strong>contracte<\/strong> que compromet a una entitat asseguradora a oferir <strong>assist\u00e8ncia o indemnitzaci\u00f3<\/strong> a l\u2019entitat o persona assegurada o benefici\u00e0ria en cas d'accident a canvi del pagament d'una quantitat de diners per part de l'entitat o persona prenedora.<\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-1514541\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse1514541\" aria-controls=\"collapse1514541\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Qu\u00e8 \u00e9s una persona o entitat assegurada?<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse1514541\" data-parent=\"#sp-ea-151454\" role=\"region\" aria-labelledby=\"ea-header-1514541\"> <div class=\"ea-body\"><p>\u00c9s aquella<strong> persona o entitat titular de l\u2019inter\u00e8s de l\u2019objecte del contracte d\u2019asseguran\u00e7a<\/strong>. En molts casos, la persona o entitat assegurada coincideix amb la prenedora, per\u00f2 no sempre \u00e9s aix\u00ed com passa amb les persones menors d\u2019edat.<\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-1514542\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse1514542\" aria-controls=\"collapse1514542\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Qui \u00e9s la persona o entitat prenedora?<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse1514542\" data-parent=\"#sp-ea-151454\" role=\"region\" aria-labelledby=\"ea-header-1514542\"> <div class=\"ea-body\"><p>\u00c9s la <strong>persona, empresa o organitzaci\u00f3 que subscriu el contracte d\u2019asseguran\u00e7a<\/strong>. A la persona o entitat prenedora li corresponen les obligacions i deures d\u2019aquest contracte excepte que hagin de ser assumits per la persona, entitat o organitzaci\u00f3 assegurada.<\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-1514543\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse1514543\" aria-controls=\"collapse1514543\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Qui \u00e9s la persona o entitat benefici\u00e0ria d\u2019una asseguran\u00e7a?<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse1514543\" data-parent=\"#sp-ea-151454\" role=\"region\" aria-labelledby=\"ea-header-1514543\"> <div class=\"ea-body\"><p>\u00c9s la <strong>persona, empresa o organitzaci\u00f3<\/strong> designada per la prenedora per ser la <strong>titular del dret a percebre les prestacions<\/strong> d\u2019un contracte d\u2019asseguran\u00e7a. En molts casos, la persona, empresa o organitzaci\u00f3 benefici\u00e0ria i assegurada s\u00f3n la mateixa per\u00f2 hi ha excepcions. En el cas d\u2019una asseguran\u00e7a de vida, per exemple, la benefici\u00e0ria rep una compensaci\u00f3 en cas de defunci\u00f3 de la persona assegurada.<\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-1514544\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse1514544\" aria-controls=\"collapse1514544\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Qu\u00e9 \u00e9s una asseguradora?<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse1514544\" data-parent=\"#sp-ea-151454\" role=\"region\" aria-labelledby=\"ea-header-1514544\"> <div class=\"ea-body\"><p>L\u2019asseguradora, ja sigui una entitat, companyia d\u2019assegurances o mutualitat, \u00e9s qui<strong> assumeix el risc pactat<\/strong> i que queda per escrit en el contracte d\u2019asseguran\u00e7a.<\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-1514545\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse1514545\" aria-controls=\"collapse1514545\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Qu\u00e8 \u00e9s el risc?<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse1514545\" data-parent=\"#sp-ea-151454\" role=\"region\" aria-labelledby=\"ea-header-1514545\"> <div class=\"ea-body\"><p>El risc \u00e9s la <strong>probabilitat<\/strong> que es <strong>produeixi un esdeveniment<\/strong>. En el llenguatge assegurador, quan el risc es materialitza diem que s\u2019ha produ\u00eft un sinistre. Tamb\u00e9 anomenem risc a l\u2019objecte que s\u2019assegura en un contracte d\u2019asseguran\u00e7a, com per exemple un vehicle, una llar, un grup de persones o l\u2019activitat d\u2019una empresa.<\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-1514546\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse1514546\" aria-controls=\"collapse1514546\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Qu\u00e8 s\u00f3n les cobertures?<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse1514546\" data-parent=\"#sp-ea-151454\" role=\"region\" aria-labelledby=\"ea-header-1514546\"> <div class=\"ea-body\"><p>Les cobertures s\u00f3n els <strong>compromisos acceptats per l\u2019asseguradora<\/strong> segons les quals assumir\u00e0 les despeses econ\u00f2miques que es derivin d\u2019un hipot\u00e8tic sinistre fins al l\u00edmit de la suma assegurada.<\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-1514547\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse1514547\" aria-controls=\"collapse1514547\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Qu\u00e8 \u00e9s la prima d\u2019una asseguran\u00e7a?<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse1514547\" data-parent=\"#sp-ea-151454\" role=\"region\" aria-labelledby=\"ea-header-1514547\"> <div class=\"ea-body\"><p>La prima \u00e9s el <strong>preu de l\u2019asseguran\u00e7a.<\/strong><\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-1514548\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse1514548\" aria-controls=\"collapse1514548\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> L\u2019asseguran\u00e7a t\u00e9 IVA? <\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse1514548\" data-parent=\"#sp-ea-151454\" role=\"region\" aria-labelledby=\"ea-header-1514548\"> <div class=\"ea-body\"><p><span class=\"TextRun SCXW191734521 BCX0\" lang=\"CA-ES\" xml:lang=\"CA-ES\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW191734521 BCX0\">No. Les\u00a0<\/span><\/span><span class=\"TextRun SCXW191734521 BCX0\" lang=\"CA-ES\" xml:lang=\"CA-ES\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW191734521 BCX0\">assegurances <strong>estan exemptes de l\u2019impost sobre el valor afegit (IVA)<\/strong><\/span><\/span><strong><span class=\"TextRun SCXW191734521 BCX0\" lang=\"CA-ES\" xml:lang=\"CA-ES\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW191734521 BCX0\">\u00a0i\u00a0<\/span><\/span><span class=\"TextRun SCXW191734521 BCX0\" lang=\"CA-ES\" xml:lang=\"CA-ES\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW191734521 BCX0\">no se\u2019ls aplica aquest impost<\/span><\/span><\/strong><span class=\"TextRun SCXW191734521 BCX0\" lang=\"CA-ES\" xml:lang=\"CA-ES\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW191734521 BCX0\">\u00a0quan contractes\u00a0<\/span><span class=\"NormalTextRun SCXW191734521 BCX0\">un contracte d\u2019asseguran\u00e7a<\/span><span class=\"NormalTextRun SCXW191734521 BCX0\">. En lloc d\u2019IVA, les assegurances a\u00a0<\/span><span class=\"NormalTextRun SCXW191734521 BCX0\">l\u2019Estat espanyol<\/span><span class=\"NormalTextRun SCXW191734521 BCX0\">\u00a0<strong>estan subjectes a un\u00a0<\/strong><\/span><\/span><strong><span class=\"TextRun SCXW191734521 BCX0\" lang=\"CA-ES\" xml:lang=\"CA-ES\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW191734521 BCX0\">Impost sobre Primes d\u2019Asseguran\u00e7a (IPA)<\/span><\/span><\/strong><span class=\"TextRun SCXW191734521 BCX0\" lang=\"CA-ES\" xml:lang=\"CA-ES\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW191734521 BCX0\">, que \u00e9s un tribut especial que grava les primes d\u2019asseguran\u00e7a i que s\u2019inclou en el cost de la p\u00f2lissa. Aquest impost varia en funci\u00f3 del tipus d\u2019asseguran\u00e7a i l\u2019abast de la cobertura<\/span><span class=\"NormalTextRun SCXW191734521 BCX0\">.<\/span><\/span><span class=\"EOP SCXW191734521 BCX0\" data-ccp-props=\"{}\">\u00a0<\/span><\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-1514549\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse1514549\" aria-controls=\"collapse1514549\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Qu\u00e8 \u00e9s l\u2019IPA (Impost sobre les Primes d\u2019Assegurances)?<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse1514549\" data-parent=\"#sp-ea-151454\" role=\"region\" aria-labelledby=\"ea-header-1514549\"> <div class=\"ea-body\"><p>L\u2019Impost sobre les Primes d\u2019Assegurances (IPA) \u00e9s el <strong>tipus d\u2019impost m\u00e9s com\u00fa<\/strong> en el sector assegurador i s\u2019aplica a la gran majoria dels productes contractats a l\u2019Estat Espanyol.<\/p><p>A partir de l\u20191 de gener de 2021, aquest impost va augmentar del 6% al 8%.<\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-15145410\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse15145410\" aria-controls=\"collapse15145410\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Les assegurances emeten rebut o factura? <\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse15145410\" data-parent=\"#sp-ea-151454\" role=\"region\" aria-labelledby=\"ea-header-15145410\"> <div class=\"ea-body\"><p><span class=\"TextRun SCXW245094091 BCX0\" lang=\"CA-ES\" xml:lang=\"CA-ES\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW245094091 BCX0\">Les assegurances\u00a0<\/span><\/span><strong><span class=\"TextRun SCXW245094091 BCX0\" lang=\"CA-ES\" xml:lang=\"CA-ES\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW245094091 BCX0\">no emeten factura<\/span><\/span><span class=\"TextRun SCXW245094091 BCX0\" lang=\"CA-ES\" xml:lang=\"CA-ES\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW245094091 BCX0\">, sin\u00f3 un\u00a0<\/span><\/span><span class=\"TextRun SCXW245094091 BCX0\" lang=\"CA-ES\" xml:lang=\"CA-ES\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW245094091 BCX0\">rebut d\u2019asseguran\u00e7a<\/span><\/span><span class=\"TextRun SCXW245094091 BCX0\" lang=\"CA-ES\" xml:lang=\"CA-ES\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW245094091 BCX0\">.<\/span><\/span><\/strong> <span class=\"TextRun SCXW245094091 BCX0\" lang=\"CA-ES\" xml:lang=\"CA-ES\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW245094091 BCX0\">Aix\u00f2 \u00e9s perqu\u00e8 les assegurances\u00a0<\/span><\/span><span class=\"TextRun SCXW245094091 BCX0\" lang=\"CA-ES\" xml:lang=\"CA-ES\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW245094091 BCX0\">estan exemptes d\u2019IVA<\/span><\/span><span class=\"TextRun SCXW245094091 BCX0\" lang=\"CA-ES\" xml:lang=\"CA-ES\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW245094091 BCX0\">\u00a0i, per tant,\u00a0<\/span><\/span><span class=\"TextRun SCXW245094091 BCX0\" lang=\"CA-ES\" xml:lang=\"CA-ES\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW245094091 BCX0\">no estan obligades a emetre factura<\/span><\/span><span class=\"TextRun SCXW245094091 BCX0\" lang=\"CA-ES\" xml:lang=\"CA-ES\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW245094091 BCX0\">\u00a0com altres serveis. <strong>El rebut \u00e9s el document oficial que acredita el pagament de la prima i inclou la informaci\u00f3 de la p\u00f2lissa, l\u2019import i els impostos aplicables<\/strong> (com l\u2019Impost sobre Primes d\u2019Asseguran\u00e7a).<\/span><\/span><span class=\"EOP SCXW245094091 BCX0\" data-ccp-props=\"{}\">\u00a0<\/span><\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-15145411\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse15145411\" aria-controls=\"collapse15145411\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Qu\u00e8 \u00e9s una p\u00f2lissa?<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse15145411\" data-parent=\"#sp-ea-151454\" role=\"region\" aria-labelledby=\"ea-header-15145411\"> <div class=\"ea-body\"><p>Una p\u00f2lissa \u00e9s un <strong>contracte d\u2019asseguran\u00e7a<\/strong>. \u00c9s el document en el qual es reflecteixen les condicions que regulen l\u2019asseguran\u00e7a. Formen part del contracte d'asseguran\u00e7a les condicions generals, les particulars que individualitzen el risc, les especials (en cas que n\u2019hi haguessin) i els suplements o ap\u00e8ndix que complementen o modifiquen el contracte.<\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-15145412\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse15145412\" aria-controls=\"collapse15145412\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Qu\u00e8 \u00e9s una franqu\u00edcia?<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse15145412\" data-parent=\"#sp-ea-151454\" role=\"region\" aria-labelledby=\"ea-header-15145412\"> <div class=\"ea-body\"><p>\u00c9s una <strong>aportaci\u00f3 a c\u00e0rrec de la persona o entitat assegurada<\/strong> o benefici\u00e0ria pactada en cas de sinistre.<\/p><p>Queda reflectida en el contracte d\u2019asseguran\u00e7a per a cada un dels riscos coberts. Aquesta quantitat es descomptar\u00e0 de la indemnitzaci\u00f3 que correspongui segons el sinistre.<\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-15145413\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse15145413\" aria-controls=\"collapse15145413\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Qu\u00e8 \u00e9s la car\u00e8ncia?<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse15145413\" data-parent=\"#sp-ea-151454\" role=\"region\" aria-labelledby=\"ea-header-15145413\"> <div class=\"ea-body\"><p>\u00c9s un <strong>per\u00edode<\/strong> durant el qual<strong> totes o alguna de les cobertures de l\u2019asseguran\u00e7a no tenen efecte. <\/strong>Normalment s\u2019estipula al comen\u00e7ament del contracte.<\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-15145414\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse15145414\" aria-controls=\"collapse15145414\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Quina \u00e9s la difer\u00e8ncia entre continent i contingut?<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse15145414\" data-parent=\"#sp-ea-151454\" role=\"region\" aria-labelledby=\"ea-header-15145414\"> <div class=\"ea-body\"><p>A grans trets, el <strong>continent<\/strong> agrupa tots aquells<strong> elements que conformen l\u2019estructura constructiva de l\u2019immoble<\/strong> (parets, sostres, s\u00f2ls, portes, finestres, escales, instal\u00b7lacions el\u00e8ctriques i d\u2019aigua, etc.) mentre que el <strong>contingut<\/strong> s\u00f3n aquells <strong>elements que es troben a l\u2019interior de l\u2019immoble<\/strong>, ja siguin propietat de la persona propiet\u00e0ria o llogatera (mobles, electrodom\u00e8stics, objectes decoratius, etc.).<\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-15145415\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse15145415\" aria-controls=\"collapse15145415\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> He d'informar d'un canvi de domicili?<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse15145415\" data-parent=\"#sp-ea-151454\" role=\"region\" aria-labelledby=\"ea-header-15145415\"> <div class=\"ea-body\"><p><strong>S\u00ed, has de contactar amb nosaltres per informar-nos del canvi<\/strong>. \u00c9s important fer-ho perqu\u00e8 fins i tot pot suposar un canvi de risc de la teva asseguran\u00e7a. Pots contactar per correu electr\u00f2nic escrivint-nos a <a href=\"mailto:arccoop@arc.coop\">arccoop@arc.coop<\/a> o a trav\u00e9s del <a href=\"https:\/\/arc.coop\/contacte\/\">formulari de contacte<\/a>.<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div id=\"coop\"><div class=\"fusion-fullwidth fullwidth-box fusion-fullwidth-4  fusion-parallax-none nonhundred-percent-fullwidth\" style=\"border-color:#eae9e9;border-bottom-width: 0px;border-top-width: 0px;border-bottom-style: solid;border-top-style: solid;padding-bottom:20px;padding-top:20px;padding-left:;padding-right:;background-color:rgba(255,255,255,0);\"><style type=\"text\/css\" scoped=\"scoped\">.fusion-fullwidth-4 {\n                            padding-left: px !important;\n                            padding-right: px !important;\n                        }<\/style><div class=\"fusion-row\"><div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-separator fusion-full-width-sep sep-single\" style=\"border-color:#2e7952;border-top-width:1px;margin-left: auto;margin-right: auto;margin-top:;margin-bottom:30px;\"><\/div><div class=\"fusion-title title fusion-sep-none fusion-title-center fusion-title-size-two\" style=\"margin-top:0px;margin-bottom:31px;\"><h2 class=\"title-heading-center\">Asseguran\u00e7a \u00e8tica<\/h2><\/div><div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-separator fusion-full-width-sep sep-single\" style=\"border-color:#2e7952;border-top-width:1px;margin-left: auto;margin-right: auto;margin-top:;margin-bottom:30px;\"><\/div><style>#sp-ea-151460 .spcollapsing { height: 0; overflow: hidden; transition-property: height;transition-duration: 500ms;}#sp-ea-151460.sp-easy-accordion>.sp-ea-single {margin-bottom: 10px; border: 1px solid #e2e2e2; }#sp-ea-151460.sp-easy-accordion>.sp-ea-single>.ea-header a {color: #444;}#sp-ea-151460.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body {background: #fff; color: #444;}#sp-ea-151460.sp-easy-accordion>.sp-ea-single {background: #eee;}#sp-ea-151460.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon { float: left; color: #444;font-size: 16px;}<\/style><div id=\"sp_easy_accordion-1777884590\"><div id=\"sp-ea-151460\" class=\"sp-ea-one sp-easy-accordion\" data-ea-active=\"ea-click\" data-ea-mode=\"vertical\" data-preloader=\"\" data-scroll-active-item=\"\" data-offset-to-scroll=\"0\"><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-1514600\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse1514600\" aria-controls=\"collapse1514600\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Si oferim assegurances \u00e8tiques, per qu\u00e8 a vegades treballem amb companyies sense el segell EthSI?<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse1514600\" data-parent=\"#sp-ea-151460\" role=\"region\" aria-labelledby=\"ea-header-1514600\"> <div class=\"ea-body\"><p>Ar\u00e7 Cooperativa creiem que el <strong>desenvolupament de l\u2019asseguran\u00e7a \u00e8tica passa per un proc\u00e9s<\/strong>. Encara no podem cobrir les necessitats asseguradores de totes les empreses, entitats i persones a les quals oferim assegurances amb productes certificats com a \u00e8tics i solidaris perqu\u00e8 no hi ha prou companyies certificades. Aquesta din\u00e0mica, per\u00f2, est\u00e0 canviant: avui les companyies asseguradores certificades per oferir asseguran\u00e7a \u00e8tica tenen un volum de primes anuals que ratlla els 1.600 milions d\u2019euros a l\u2019Estat.<\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-1514601\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse1514601\" aria-controls=\"collapse1514601\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Per qu\u00e8 Ar\u00e7 Cooperativa no treballem exclusivament amb companyies certificades?<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse1514601\" data-parent=\"#sp-ea-151460\" role=\"region\" aria-labelledby=\"ea-header-1514601\"> <div class=\"ea-body\"><p><strong>L\u2019objectiu \u00e9s cobrir totes les necessitats asseguradores de les organitzacions de l\u2019economia solid\u00e0ria i el m\u00f3n associatiu<\/strong>. El m\u00e9s important per a nosaltres \u00e9s atendre aquestes necessitats amb productes certificats, per\u00f2 mentre no puguem atendre-les, incrementem el poder de compra i fem pressi\u00f3 perqu\u00e8 les companyies avancin cap als criteris del\u00a0<a href=\"http:\/\/ethsi.net\/\" target=\"_blank\" rel=\"noopener noreferrer\">segell EthSI<\/a>. Durant aquesta transici\u00f3 aconseguim que els nostres clients es benefici\u00efn dels preus avantatjosos com a conseq\u00fc\u00e8ncia de la compra col\u00b7lectiva.<\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-1514602\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse1514602\" aria-controls=\"collapse1514602\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Quina mena d\u2019auditoria passem les companyies i les corredories certificades amb aquest segell?<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse1514602\" data-parent=\"#sp-ea-151460\" role=\"region\" aria-labelledby=\"ea-header-1514602\"> <div class=\"ea-body\"><p>L\u2019<strong>Observatori de les finances \u00e8tiques<\/strong>\u00a0(qui gestiona el segell) demana informaci\u00f3 rellevant respecte alguns par\u00e0metres b\u00e0sics i determina el nivell del registre. En el cas de les corredories, com Ar\u00e7 Cooperativa, ens interpel\u00b7la sobre la vig\u00e8ncia de la mem\u00f2ria de sostenibilitat i sobre si hem resolt els aspectes millorables dels exercicis anteriors. Hi ha un segon aspecte que avalua el segell: el tipus d\u2019empresa i el seu codi \u00e8tic. La tercera gran variable que s\u2019observa \u00e9s l\u2019evoluci\u00f3 de l\u2019organitzaci\u00f3 com a prove\u00efdora de la banca \u00e8tica.<\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-1514603\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse1514603\" aria-controls=\"collapse1514603\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Ar\u00e7 Cooperativa podem garantir que les primes de les assegurances no es reinvertiran en negocis poc \u00e8tics?<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse1514603\" data-parent=\"#sp-ea-151460\" role=\"region\" aria-labelledby=\"ea-header-1514603\"> <div class=\"ea-body\"><p>Quan l\u2019Observatori de les Finances \u00c8tiques registra una companyia asseguradora, en la gamma b\u00e0sica del registre apunta que \u2018un percentatge\u2019 de les inversions s\u00f3n \u00e8ticament responsables. Per tant, en el moment de transici\u00f3 actual s\u00ed que es pot donar el cas que hi hagi una part de la inversi\u00f3 no socialment responsable. Tot i que si es trob\u00e9s una companyia certificada que invert\u00eds en les anomenades inversions de \u201cm\u00e0xima sensibilitat \u00e8tica\u201d (com armament o paradisos fiscals), l\u2019Observatori li retiraria el segell.<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div id=\"coop\"><div class=\"fusion-fullwidth fullwidth-box fusion-fullwidth-5  fusion-parallax-none nonhundred-percent-fullwidth\" style=\"border-color:#eae9e9;border-bottom-width: 0px;border-top-width: 0px;border-bottom-style: solid;border-top-style: solid;padding-bottom:20px;padding-top:20px;padding-left:;padding-right:;background-color:rgba(255,255,255,0);\"><style type=\"text\/css\" scoped=\"scoped\">.fusion-fullwidth-5 {\n                            padding-left: px !important;\n                            padding-right: px !important;\n                        }<\/style><div class=\"fusion-row\"><div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-separator fusion-full-width-sep sep-single\" style=\"border-color:#2e7952;border-top-width:1px;margin-left: auto;margin-right: auto;margin-top:;margin-bottom:30px;\"><\/div><div class=\"fusion-title title fusion-sep-none fusion-title-center fusion-title-size-two\" style=\"margin-top:0px;margin-bottom:31px;\"><h2 class=\"title-heading-center\">Contractar una asseguran\u00e7a<\/h2><\/div><div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-separator fusion-full-width-sep sep-single\" style=\"border-color:#2e7952;border-top-width:1px;margin-left: auto;margin-right: auto;margin-top:;margin-bottom:30px;\"><\/div><style>#sp-ea-151461 .spcollapsing { height: 0; overflow: hidden; transition-property: height;transition-duration: 500ms;}#sp-ea-151461.sp-easy-accordion>.sp-ea-single {margin-bottom: 10px; border: 1px solid #e2e2e2; }#sp-ea-151461.sp-easy-accordion>.sp-ea-single>.ea-header a {color: #444;}#sp-ea-151461.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body {background: #fff; color: #444;}#sp-ea-151461.sp-easy-accordion>.sp-ea-single {background: #eee;}#sp-ea-151461.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon { float: left; color: #444;font-size: 16px;}<\/style><div id=\"sp_easy_accordion-1777884590\"><div id=\"sp-ea-151461\" class=\"sp-ea-one sp-easy-accordion\" data-ea-active=\"ea-click\" data-ea-mode=\"vertical\" data-preloader=\"\" data-scroll-active-item=\"\" data-offset-to-scroll=\"0\"><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-1514610\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse1514610\" aria-controls=\"collapse1514610\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Com puc demanar un pressupost d\u2019una asseguran\u00e7a amb Ar\u00e7 Cooperativa?<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse1514610\" data-parent=\"#sp-ea-151461\" role=\"region\" aria-labelledby=\"ea-header-1514610\"> <div class=\"ea-body\"><p>Pots demanar un pressupost d\u2019una asseguran\u00e7a <strong>si omples i envies un dels formularis<\/strong> que trobar\u00e0s a la nostra p\u00e0gina web segons quina sigui la teva necessitat:<\/p><ul><li>Pressupost per a persones particulars i fam\u00edlies: <a href=\"https:\/\/arc.coop\/pressupostos\/formulari-automobil\/\">autom\u00f2bil<\/a>, <a href=\"https:\/\/arc.coop\/pressupostos\/formulari-llar\/\">llar<\/a>, <a href=\"https:\/\/arc.coop\/pressupostos\/formulari-vida\/\">vida<\/a> i <a href=\"https:\/\/arc.coop\/pressupostos\/altres-pressupostos\/\">altres assegurances<\/a><\/li><li>Pressupost per a empreses i organitzacions: <a href=\"https:\/\/arc.coop\/pressupostos\/empreses-i-organitzacions\">danys, responsabilitats, accidents i altres assegurances<\/a><\/li><li><a href=\"https:\/\/arc.coop\/pressupostos\/energia-renovables\">Pressupost d\u2019energies renovables<\/a><\/li><\/ul><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-1514611\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse1514611\" aria-controls=\"collapse1514611\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Com i quan contactaran amb mi des d\u2019Ar\u00e7 Cooperativa?<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse1514611\" data-parent=\"#sp-ea-151461\" role=\"region\" aria-labelledby=\"ea-header-1514611\"> <div class=\"ea-body\"><p>Un cop ens hagis enviat la teva sol\u00b7licitud de pressupost, una persona de l\u2019equip comen\u00e7ar\u00e0 a cercar el producte que millor cobreixi les teves necessitats asseguradores prioritzant les companyies amb certificaci\u00f3 \u00e8tica i solid\u00e0ria.<\/p><p>Ens posarem en contacte amb tu<strong> al m\u00e9s aviat possible a trav\u00e9s del correu electr\u00f2nic<\/strong> per fer-te arribar una proposta o per demanar-te dades addicionals que ens ajudin a trobar el producte qui s\u2019adeq\u00fci al que necessites.<\/p><p>Si passats uns dies no hem contactat amb tu, recomanem que <strong>revisis la b\u00fastia de correu brossa<\/strong> del teu correu electr\u00f2nic.<\/p><p>A Ar\u00e7 Cooperativa vetllem perqu\u00e8 l\u2019equip de persones pugui fer compatible la seva activitat professional amb la seva vida personal. Per tant, et demanem comprensi\u00f3 per la nostra jornada laboral i paci\u00e8ncia si has contactat amb nosaltres en dies festius o caps de setmana.<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div id=\"coop\"><div class=\"fusion-fullwidth fullwidth-box fusion-fullwidth-6  fusion-parallax-none nonhundred-percent-fullwidth\" style=\"border-color:#eae9e9;border-bottom-width: 0px;border-top-width: 0px;border-bottom-style: solid;border-top-style: solid;padding-bottom:20px;padding-top:20px;padding-left:;padding-right:;background-color:rgba(255,255,255,0);\"><style type=\"text\/css\" scoped=\"scoped\">.fusion-fullwidth-6 {\n                            padding-left: px !important;\n                            padding-right: px !important;\n                        }<\/style><div class=\"fusion-row\"><div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-separator fusion-full-width-sep sep-single\" style=\"border-color:#2e7952;border-top-width:1px;margin-left: auto;margin-right: auto;margin-top:;margin-bottom:30px;\"><\/div><div class=\"fusion-title title fusion-sep-none fusion-title-center fusion-title-size-two\" style=\"margin-top:0px;margin-bottom:31px;\"><h2 class=\"title-heading-center\">Documentaci\u00f3<\/h2><\/div><div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-separator fusion-full-width-sep sep-single\" style=\"border-color:#2e7952;border-top-width:1px;margin-left: auto;margin-right: auto;margin-top:;margin-bottom:30px;\"><\/div><style>#sp-ea-151462 .spcollapsing { height: 0; overflow: hidden; transition-property: height;transition-duration: 500ms;}#sp-ea-151462.sp-easy-accordion>.sp-ea-single {margin-bottom: 10px; border: 1px solid #e2e2e2; }#sp-ea-151462.sp-easy-accordion>.sp-ea-single>.ea-header a {color: #444;}#sp-ea-151462.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body {background: #fff; color: #444;}#sp-ea-151462.sp-easy-accordion>.sp-ea-single {background: #eee;}#sp-ea-151462.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon { float: left; color: #444;font-size: 16px;}<\/style><div id=\"sp_easy_accordion-1777884590\"><div id=\"sp-ea-151462\" class=\"sp-ea-one sp-easy-accordion\" data-ea-active=\"ea-click\" data-ea-mode=\"vertical\" data-preloader=\"\" data-scroll-active-item=\"\" data-offset-to-scroll=\"0\"><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-1514620\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse1514620\" aria-controls=\"collapse1514620\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Quina documentaci\u00f3 rebr\u00e9 en contractar una asseguran\u00e7a?<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse1514620\" data-parent=\"#sp-ea-151462\" role=\"region\" aria-labelledby=\"ea-header-1514620\"> <div class=\"ea-body\"><p>Ar\u00e7 Cooperativa t\u2019enviem un <strong>document amb les condicions particulars de la teva asseguran\u00e7a<\/strong> a trav\u00e9s del correu electr\u00f2nic.<\/p><p>La companyia o entitat asseguradora et far\u00e0 arribar el contracte d\u2019asseguran\u00e7a i l\u2019IPID, el Document d\u2019Informaci\u00f3 Pr\u00e8via, un document que recull amb llenguatge senzill i planer la informaci\u00f3 b\u00e0sica del producte assegurador.<\/p><p>A m\u00e9s a m\u00e9s, cada companyia o entitat asseguradora pot enviar altres documents complementaris segons el producte contractat.<\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-1514621\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse1514621\" aria-controls=\"collapse1514621\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Quina \u00e9s la difer\u00e8ncia entre un contracte d\u2019asseguran\u00e7a i un certificat?<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse1514621\" data-parent=\"#sp-ea-151462\" role=\"region\" aria-labelledby=\"ea-header-1514621\"> <div class=\"ea-body\"><p>Un <strong>contracte d\u2019asseguran\u00e7a<\/strong> \u00e9s un text que <strong>reflecteix les condicions<\/strong> que regulen l\u2019asseguran\u00e7a.<\/p><p>En canvi, un <strong>certificat \u00e9s un document<\/strong> que emet la corredoria o l\u2019entitat o companyia asseguradora i que <strong>dona fe de l\u2019exist\u00e8ncia de certes cobertures.<\/strong><\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div id=\"coop\"><div class=\"fusion-fullwidth fullwidth-box fusion-fullwidth-7  fusion-parallax-none nonhundred-percent-fullwidth\" style=\"border-color:#eae9e9;border-bottom-width: 0px;border-top-width: 0px;border-bottom-style: solid;border-top-style: solid;padding-bottom:20px;padding-top:20px;padding-left:;padding-right:;background-color:rgba(255,255,255,0);\"><style type=\"text\/css\" scoped=\"scoped\">.fusion-fullwidth-7 {\n                            padding-left: px !important;\n                            padding-right: px !important;\n                        }<\/style><div class=\"fusion-row\"><div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-separator fusion-full-width-sep sep-single\" style=\"border-color:#2e7952;border-top-width:1px;margin-left: auto;margin-right: auto;margin-top:;margin-bottom:30px;\"><\/div><div class=\"fusion-title title fusion-sep-none fusion-title-center fusion-title-size-two\" style=\"margin-top:0px;margin-bottom:31px;\"><h2 class=\"title-heading-center\">Sinistre<\/h2><\/div><div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-separator fusion-full-width-sep sep-single\" style=\"border-color:#2e7952;border-top-width:1px;margin-left: auto;margin-right: auto;margin-top:;margin-bottom:30px;\"><\/div><style>#sp-ea-151463 .spcollapsing { height: 0; overflow: hidden; transition-property: height;transition-duration: 500ms;}#sp-ea-151463.sp-easy-accordion>.sp-ea-single {margin-bottom: 10px; border: 1px solid #e2e2e2; }#sp-ea-151463.sp-easy-accordion>.sp-ea-single>.ea-header a {color: #444;}#sp-ea-151463.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body {background: #fff; color: #444;}#sp-ea-151463.sp-easy-accordion>.sp-ea-single {background: #eee;}#sp-ea-151463.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon { float: left; color: #444;font-size: 16px;}<\/style><div id=\"sp_easy_accordion-1777884590\"><div id=\"sp-ea-151463\" class=\"sp-ea-one sp-easy-accordion\" data-ea-active=\"ea-click\" data-ea-mode=\"vertical\" data-preloader=\"\" data-scroll-active-item=\"\" data-offset-to-scroll=\"0\"><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-1514630\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse1514630\" aria-controls=\"collapse1514630\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Qu\u00e8 \u00e9s un sinistre?<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse1514630\" data-parent=\"#sp-ea-151463\" role=\"region\" aria-labelledby=\"ea-header-1514630\"> <div class=\"ea-body\"><p>Un sinistre \u00e9s un <strong>accident<\/strong>, un fet fortu\u00eft i accidental que produeix un dany personal o una p\u00e8rdua material. Quan aix\u00f2 passa, l\u2019entitat o companyia asseguradora est\u00e0 obligada a pagar un capital, prestar un servei o fer efectiva una indemnitzaci\u00f3 segons els l\u00edmits pactats en el contracte d\u2019asseguran\u00e7a.<\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-1514631\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse1514631\" aria-controls=\"collapse1514631\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Com puc declarar un sinistre d\u2019autom\u00f2bil?<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse1514631\" data-parent=\"#sp-ea-151463\" role=\"region\" aria-labelledby=\"ea-header-1514631\"> <div class=\"ea-body\"><p>Recorda <strong>tenir sempre al teu abast la documentaci\u00f3 de la teva asseguran\u00e7a<\/strong> on podr\u00e0s trobar el nom de la companyia o entitat asseguradora i el n\u00famero de contracte d'asseguran\u00e7a.<\/p><h4>Amb una declaraci\u00f3 amistosa d'accident amb altres vehicles implicats<\/h4><p>Si pateixes un accident d'autom\u00f2bil en el qual intervenen altres vehicles, mira sempre d'<strong>emplenar el model impr\u00e8s per a declarar sinistres d'autom\u00f2bil \"Declaraci\u00f3 Amistosa d'Accident\"<\/strong>. Aquest document agilitar\u00e0 els tr\u00e0mits entre les entitats asseguradores i minimitzar\u00e0 la possibilitat de conflicte o discrep\u00e0ncia a l'hora de determinar qui t\u00e9 la responsabilitat en l'accident.<\/p><p><strong>Fes arribar la \"Declaraci\u00f3 Amistosa d'Accident\" a la teva companyia<\/strong>\u00a0com m\u00e9s aviat millor. Pots trobar les dades de contacte a la nostra <a href=\"https:\/\/arc.coop\/telefons-dassistencia-de-companyia\/\">p\u00e0gina d'assist\u00e8ncia<\/a>.<\/p><h4>Sense una declaraci\u00f3 amistosa d'accident amb altres vehicles implicats<\/h4><p>Si has patit un accident amb altres vehicles implicats, per\u00f2 no has pogut emplenar la \"Declaraci\u00f3 Amistosa d'Accident\", \u00e9s imprescindible <strong>agafar les dades m\u00ednimes del vehicle contrari: <\/strong>la matr\u00edcula, la marca i el model. Si \u00e9s possible, demana tamb\u00e9<strong> el nom i els cognoms de la persona conductora, companyia asseguradora i n\u00famero de contracte d'asseguran\u00e7a.<\/strong> En cas que no arribis a un acord, et recomanem avisar a algun<strong> cos policial o alguna altra autoritat<\/strong> perqu\u00e8 puguin fer un atestat de l'accident.<\/p><p><strong>Fes arribar tota aquesta informaci\u00f3 a la teva companyia o entitat asseguradora<\/strong> com m\u00e9s aviat millor. Pots trobar les dades de contacte a la nostra <a href=\"https:\/\/arc.coop\/telefons-dassistencia-de-companyia\/\">p\u00e0gina d'assist\u00e8ncia<\/a>.<\/p><h4>Amb una declaraci\u00f3 sense altres vehicles implicats (danys en aparcar)<\/h4><p><strong>Posa't en contacte amb la teva companyia o entitat asseguradora<\/strong> per informar que necessites reparar el vehicle. Pots trobar les dades de contacte a la nostra <a href=\"https:\/\/arc.coop\/telefons-dassistencia-de-companyia\/\">p\u00e0gina d'assist\u00e8ncia<\/a>.<\/p><p>La companyia o entitat et demanar\u00e0 informaci\u00f3 com la data del sinistre, la teva versi\u00f3 dels fets, la informaci\u00f3 dels danys i les dades completes del taller on vols reparar el vehicle.<\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-1514632\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse1514632\" aria-controls=\"collapse1514632\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Com puc declarar un sinistre a la llar?<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse1514632\" data-parent=\"#sp-ea-151463\" role=\"region\" aria-labelledby=\"ea-header-1514632\"> <div class=\"ea-body\"><p>Per declarar un sinistre a la llar et recomanem <strong>trucar directament a la teva companyia o entitat asseguradora.<\/strong> Aix\u00ed podr\u00e0s agilitzar els tr\u00e0mits per a la visita d'una persona t\u00e8cnica si fos necessari. Pots trobar les dades de contacte a la nostra <a href=\"https:\/\/arc.coop\/telefons-dassistencia-de-companyia\/\">p\u00e0gina d'assist\u00e8ncia<\/a>.<\/p><p>Quines dades et poden demanar?<\/p><ul><li>Les dades personals de la persona assegurada (nom, cognoms i DNI, NIE o passaport).<\/li><li>Dades del contracte d'asseguran\u00e7a.<\/li><li>Data del sinistre.<\/li><li>Una descripci\u00f3 del lloc de l'accident, les causes que l'han provocat i els danys ocasionats.<\/li><li>En cas que hi hagu\u00e9s una tercera persona perjudicada (per exemple, si has provocat una gotera a la nostra ve\u00efna), et demanaran tamb\u00e9 les seves dades.<\/li><li>Si el sinistre que has patit a la teva llar ha estat causat per una altra persona, seran necessaris el seu nom, domicili, tel\u00e8fon, companyia o entitat asseguradora i el n\u00famero de contracte d'asseguran\u00e7a.<\/li><li>Un tel\u00e8fon de contacte.<\/li><\/ul><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-1514633\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse1514633\" aria-controls=\"collapse1514633\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Com puc declarar qualsevol altre sinistre?<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse1514633\" data-parent=\"#sp-ea-151463\" role=\"region\" aria-labelledby=\"ea-header-1514633\"> <div class=\"ea-body\"><p>Si tens un sinistre,<strong> visita la p\u00e0gina<\/strong> <a href=\"http:\/\/assistencia.arc.coop\">assistencia.arc.coop<\/a> i <strong>segueix les instruccions<\/strong> que hi trobar\u00e0s.<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div id=\"coop\"><div class=\"fusion-fullwidth fullwidth-box fusion-fullwidth-8  fusion-parallax-none nonhundred-percent-fullwidth\" style=\"border-color:#eae9e9;border-bottom-width: 0px;border-top-width: 0px;border-bottom-style: solid;border-top-style: solid;padding-bottom:20px;padding-top:20px;padding-left:;padding-right:;background-color:rgba(255,255,255,0);\"><style type=\"text\/css\" scoped=\"scoped\">.fusion-fullwidth-8 {\n                            padding-left: px !important;\n                            padding-right: px !important;\n                        }<\/style><div class=\"fusion-row\"><div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-separator fusion-full-width-sep sep-single\" style=\"border-color:#2e7952;border-top-width:1px;margin-left: auto;margin-right: auto;margin-top:;margin-bottom:30px;\"><\/div><div class=\"fusion-title title fusion-sep-none fusion-title-center fusion-title-size-two\" style=\"margin-top:0px;margin-bottom:31px;\"><h2 class=\"title-heading-center\">Renovacions, cancel\u00b7lacions i anul\u00b7lacions<\/h2><\/div><div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-separator fusion-full-width-sep sep-single\" style=\"border-color:#2e7952;border-top-width:1px;margin-left: auto;margin-right: auto;margin-top:;margin-bottom:30px;\"><\/div><style>#sp-ea-151464 .spcollapsing { height: 0; overflow: hidden; transition-property: height;transition-duration: 500ms;}#sp-ea-151464.sp-easy-accordion>.sp-ea-single {margin-bottom: 10px; border: 1px solid #e2e2e2; }#sp-ea-151464.sp-easy-accordion>.sp-ea-single>.ea-header a {color: #444;}#sp-ea-151464.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body {background: #fff; color: #444;}#sp-ea-151464.sp-easy-accordion>.sp-ea-single {background: #eee;}#sp-ea-151464.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon { float: left; color: #444;font-size: 16px;}<\/style><div id=\"sp_easy_accordion-1777884590\"><div id=\"sp-ea-151464\" class=\"sp-ea-one sp-easy-accordion\" data-ea-active=\"ea-click\" data-ea-mode=\"vertical\" data-preloader=\"\" data-scroll-active-item=\"\" data-offset-to-scroll=\"0\"><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-1514640\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse1514640\" aria-controls=\"collapse1514640\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Com puc donar de baixa una asseguran\u00e7a?<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse1514640\" data-parent=\"#sp-ea-151464\" role=\"region\" aria-labelledby=\"ea-header-1514640\"> <div class=\"ea-body\"><p>Si vols donar de baixa una asseguran\u00e7a, <strong>has d\u2019informar-nos per escrit<\/strong>, enviant-nos un correu electr\u00f2nic a <a href=\"mailto:arccoop@arc.coop\">arccoop@arc.coop<\/a>, una carta certificada o un missatge a trav\u00e9s del nostre formulari de <a href=\"https:\/\/arc.coop\/contacte\/\">contacte<\/a>.<\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-1514641\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse1514641\" aria-controls=\"collapse1514641\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Amb quina antelaci\u00f3 he d\u2019avisar per donar de baixa una asseguran\u00e7a?<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse1514641\" data-parent=\"#sp-ea-151464\" role=\"region\" aria-labelledby=\"ea-header-1514641\"> <div class=\"ea-body\"><p>Per donar de baixa una asseguran\u00e7a, has d\u2019avisar-nos amb un <strong>m\u00ednim de 30 dies d\u2019antelaci\u00f3<\/strong>.<\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-1514642\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse1514642\" aria-controls=\"collapse1514642\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Com es renova una asseguran\u00e7a?<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse1514642\" data-parent=\"#sp-ea-151464\" role=\"region\" aria-labelledby=\"ea-header-1514642\"> <div class=\"ea-body\"><p><strong>La majoria de les assegurances es renoven cada any<\/strong>.<\/p><p>Si el pagament de la teva asseguran\u00e7a est\u00e0 domiciliat, anualment, Ar\u00e7 Cooperativa o l\u2019entitat o companyia asseguradora et girarem un rebut corresponent al preu anual de la teva asseguran\u00e7a. Pr\u00e8viament, se\u2019t notificar\u00e0 del cobrament del rebut per domiciliaci\u00f3 banc\u00e0ria.<\/p><p>Si no tens domiciliat el pagament de la teva asseguran\u00e7a, Ar\u00e7 Cooperativa et farem arribar el rebut i t\u2019indicarem el termini per abonar-lo.<\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-1514643\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse1514643\" aria-controls=\"collapse1514643\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Qu\u00e8 passa si no pago un rebut?<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse1514643\" data-parent=\"#sp-ea-151464\" role=\"region\" aria-labelledby=\"ea-header-1514643\"> <div class=\"ea-body\"><p>Si deixes de pagar un rebut, l\u2019entitat o companyia asseguradora considera que <strong>l'asseguran\u00e7a<\/strong> <strong>est\u00e0 impagada<\/strong> i el <strong>contracte d\u2019asseguran\u00e7a quedar\u00e0 anul\u00b7lat<\/strong>.<\/p><p>Ens posarem en contacte amb tu per informar-te si una asseguran\u00e7a ha estat anul\u00b7lada per impagament.<\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-1514644\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse1514644\" aria-controls=\"collapse1514644\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Com puc canviar la meva asseguran\u00e7a d\u2019una altra corredoria a Ar\u00e7 Cooperativa? <\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse1514644\" data-parent=\"#sp-ea-151464\" role=\"region\" aria-labelledby=\"ea-header-1514644\"> <div class=\"ea-body\"><p>Pots canviar la teva asseguran\u00e7a d'una altra corredoria o entitat mediadora amb nosaltres sempre que el contracte sigui amb una companyia amb la qual treballem.<\/p><p>Per fer-ho, <strong>contacta amb nosaltres per escrit<\/strong>, enviant-nos un correu electr\u00f2nic a <a href=\"mailto:arccoop@arc.coop\">arccoop@arc.coop<\/a>, una carta certificada o un missatge a trav\u00e9s del nostre formulari de <a href=\"https:\/\/arc.coop\/contacte\/\">contacte<\/a>.<\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-1514645\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse1514645\" aria-controls=\"collapse1514645\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> He d'avisar-vos si canvio el meu compte bancari?<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse1514645\" data-parent=\"#sp-ea-151464\" role=\"region\" aria-labelledby=\"ea-header-1514645\"> <div class=\"ea-body\"><p><strong>S\u00ed, \u00e9s molt important<\/strong> avisar-nos perqu\u00e8 puguem actualitzar les teves dades. Si la teva asseguran\u00e7a es renova autom\u00e0ticament, \u00e9s fonamental que tinguem el compte bancari actualitzat. Has de contactar amb nosaltres enviant-nos un correu electr\u00f2nic a <a href=\"mailto:arccoop@arc.coop\">arccoop@arc.coop<\/a>.<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"class_list":["post-233811","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Preguntes freq\u00fcents FAQs - Ar\u00e7 Cooperativa<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/arc.coop\/en\/faqs\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Preguntes freq\u00fcents FAQs - 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