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This information document aims to deliver the information related to article 18 of the Directive 2016/97.

PSA Insurance Limited, is a limited liability company under Maltese law, having its registered address at: MIB House, 53 Abate Rigord Street, Ta’ Xbiex, XBX1122 Malta. Registration number: C44567. 

PSA Insurance Limited is authorised to carry on business in terms of the Insurance Business Act, and authorised to carry on Insurance business in Spain under the freedom to provide services provisions by the Malta Financial Services Authority (MFSA, Notabile Road, Attard BKR 3000, Malta).

PSA Insurance Limited proposes and distributes insurance product via its website operated by PSA Insurance Manager.

PSA Insurance Limited does not give advice about the insurance product sold.

For any complaints related to our services, you may contact us by using the form accessible in the complaints section of the website: www.psa-insurance-solutions.es/complaints.
We hereby undertake to acknowledge receipt within ten (10) working days and to deal with Your complaint within fifteen (15) days of receipt of all the documents necessary in order to examine the same.
If you are not satisfied with the response given by us to your complaint, you may:

  • Refer the dispute in writing to the Office of the Arbiter for Financial Services (OAFS) on https://www.mfsa.mt/consumers/complaints/?ver=10000 and submit the forms explained in the above mentioned website; 
  • Refer the case to the Servicio de Reclamaciones de la Dirección General de Seguros y Fondos de Pensiones, (Paseo de la Castellana 44, 28046, Madrid). 

Information on products and services 


The present Site is intended for Users that are residents in Spain and presents the following Insurance Product:

  • Tyre Insurance by PSA Insurance
1. Object
PSA INSURANCE SOLUTIONS is a commercial name of PSA Insurance Limited. The Site www.psa-insurance-solutions.es is published by the company PSA Insurance Manager Ltd., a limited company with capital of € 200.000 incorporated under the laws of Malta registered under number C70124, which registered office is located at MIB HOUSE, 53 Abate Rigord Street, Ta' Xbiex, MALTA, VAT registration number MT 2242-7404.
These Terms of Use set out in detail the conditions of access and use of the Site of PSA INSURANCE MANAGER. PSA INSURANCE MANAGER is authorised by the Malta Financial Services Authority (MFSA) to provide insurance services under freedom to provide services in the following countries: Austria, Belgium, France, Germany, Italy, Luxembourg, Netherlands, Poland, Portugal, Spain and the United Kingdom.
The User of the present Site is deemed to have accepted these Terms of Use. 
The operating conditions and the use of the remote subscription services for insurance products are described in a separate document. 
2. Access to the Site and availability
The access to the Site requires a sufficient high-speed Internet connection and the use of an appropriate access terminal (computer or other). 
The User hereby acknowledges that it has the necessary skills and all the means necessary to access and use the Site. 
PSA INSURANCE MANAGER undertakes to make its best efforts to ensure availability of the Site to the Users at any time and allow the Users to use its services. However, PSA INSURANCE MANAGER declines all responsibility in the event of the unavailability of the Site for any reason whatsoever. 
PSA INSURANCE MANAGER cannot under any circumstances be liable for the reliability of data transmissions, access times, or any access restrictions on the Internet network or the networks connected to it. 
The User acknowledges that the use of the Internet network does not guarantee the secrecy of correspondence. The User is therefore responsible for taking all appropriate measures to protect his own data, tools and equipment. 
PSA INSURANCE MANAGER cannot guarantee the permanence of the proper functioning of its Site or its complete security. PSA INSURANCE MANAGER has deployed software and other precautionary measures to keep the website safe for users. However it may not be disregarded that third parties may attempt to use malware, trojans, worms or other malicious software. The User undertakes to keep its operating system and all the programs properly updated to minimize exposure. PSA INSURANCE MANAGER will not accept any liability whatsoever for infection or other malware-related problems arisen from or in connection with the use of its website.
Access to the Site, to the data and products described on the Site may be restricted in consideration of certain persons or in certain countries other than Spain.
None of the products can be intended for a person if the law of his country forbids it. 
3. Use of the Site
The User shall not use the Site or its contents for any purpose that is unlawful or contrary to these Terms of Use. 
The User undertakes not to hinder, in any way whatsoever, the proper functioning of the Site, not to block or alter the normal flow of data, not to fraudulently access the information system of the Site or, access all of its data, disrupt it or modify it. 
The User accepts the risks and limitations of the Internet, and acknowledges that he is solely responsible for his use of the information. 
PSA INSURANCE MANAGER shall not be held liable for any misuse of the Site by the User. 
4. Contents published on the Site
The contents of the Site are available in English and Spanish. 
The information published on the Site is provided for general information only. PSA INSURANCE MANAGER endeavors to ensure the accuracy and the updating of the information published on the Site, and PSA INSURANCE MANAGER reserves the right to modify it at any time without prior notice. 
PSA INSURANCE MANAGER makes no claim to completeness of the contents published on the Site. 
The contents of the Site are for information purpose only. The information published on the Site cannot be assimilated to an offer, canvassing or a solicitation by PSA INSURANCE MANAGER in respect of the User. 
Regarding information about insurance products, the User must refer to the relevant information notice. 
With regard to the operating conditions and the use of the remote subscription services for insurance products, the User must refer to the relevant General Terms and Conditions associated with each insurance product. 
Processing Personal Data 
PSA INSURANCE MANAGER guarantees the User respect for his/her privacy. 
In accordance with Maltese and European Law, PSA INSURANCE MANAGER Ltd., as a Data controller, can collect the Users’ Personal Data in order to meet the expectations of the User, in particular through specific forms. This data may be used in connection with the management and execution of the website and your user account, but also for the performance of the Customer Phone service and the Chat function.
In accordance with Maltese and European Law, the Insurer with which you contract, as a Data controller, can collect the Users’ Personal Data in order to meet the expectations of the User, in particular through specific forms via the platform of PSA Insurance Manager acting as Data Processor. This data may be used in connection with the management and execution of your insurance contract as mentioned in the insurance policy.
Personal data relating to you are, amongst others, Name, Postal address, email, address, date of birth, ID or passport number, vehicle details, bank details, age and any other information directly linked to your personal identity 
This information may also be subject to:
  • processing for the purpose of assisting prospective and ongoing customers in any inquiries and/or any potential requests, as may be applicable.
  • internal control procedures.
  • specific processing and information to the competent authorities within the framework of the laws and regulations in force and in particular those relating to the fight against money laundering and the financing of terrorism.
  • anti-insurance fraud treatments that may result in a listing of persons at risk of fraud.
Processing may also take place for the purposes of direct marketing so as to provide its customers or interested parties with information on the services provided by PSA Insurance Manager and/or any of its subsidiaries. Provided that the relevant consent would have been collected in the appropriate manner and that data subjects shall have the right to object to such processing at any time. 
The collected data may be transferred or processed to other companies in the group, their partners or providers, only for the purposes mentioned above. 
The User, in accordance with Maltese and European Law, has the right to access, modify, rectify or delete, the right to restrict processing and the right of data portability of their personal data collected on the Site. 
The User can, at any time, object to the processing of his personal data for legitimate reasons. 
To exercise his rights, the Users will send a registered letter to the manager of the Site to the following address, with a copy of his identity document: Data Protection Officer - 53, MIB House, Abate Rigord Street Ta' Xbiex, XBX 1122, Malta 
We do our best to provide you with a satisfactory answer. If for any reason, we failed to respond to the above requests, be informed that you have the right to lodge a complaint with the supervisory authority, the Information and Data Protection Commissioner in Malta. Website: https://idpc.org.mt/en/Pages/Home.aspx
The information identified by an asterisk (within the application) or any other equivalent process is compulsory for the processing of any application. Failing this, the application cannot be processed or its processing will be delayed.
The user’s personal information is stored for a period of that cannot exceed 10 years starting from the last communication with the clients or the end of the Contract, depending which event occurs last. 
The User is duly informed that, during his visits on the Site, a cookie can be installed automatically on his browser. 
Cookies are used to analyze the traffic and use of the Site. Thus, when the User browses the Site, the deposit and the reading of the cookies make it possible to analyze his navigation and to measure the audience of the Site. 
The User can configure his browser to refuse and/or delete cookies. 
The rules applicable to cookies are described in the "Cookies Policy", available by clicking on the following link: www.psa-insurance-solutions.es/cookies-policy
6. Intellectual Property right
This Site an every contents therein, in particular software and data, text, images, sounds, designs and any other file will remain exclusively proprietary to PSA INSURANCE MANAGER or any third party that may have granted such IP rights to PSA INSURANCE MANAGER. 
It is expressly forbidden to reproduce or depict, whether fully or partially, the Site or any of the contents therein unless PSA INSURANCE MANAGER grants its express consent to any such conduct. Contravening such ban may result in a breach of article 138 of the Royal Legislative Decree (“Real Decreto Legislativo”) 1/1996 of April 12 passing the merged text of the Intellectual Property Act.
The databases compiled in this Site are protected under articles 105 et. seq. of the above-mentioned Royal Legislative Decree 1/1996 of April 12. Extracting or reusing the contents stored in the databases – whether quantitatively or qualitatively – is actionable under the law.
Trademarks appearing on the Site are duly registered, either by PSA INSURANCE MANAGER or by third parties. Reproducing, imitating or using – whether fully or partially –any such trademarks without the previous, express consent of PSA INSURANCE MANAGER will be deemed a breach of articles 34 et. seq. of the Trademarks Act.
Other distinctive marks such as corporate names, registered trademarks or domain names displayed on the Site are proprietary to PSA INSURANCE MANAGER or to third parties and reproducing them without the previous, express consent of PSA INSURANCE MANAGER is actionable under Spanish law and the tort feasor can be held liable for such conducts. The Site contains hyperlinks to other websites. By including such links PSA INSURANCE MANAGER does not advise or endorse the sites that they redirect to, or their contents. Both the contents and operation of any such websites are and will at all times remain the sole and entire responsibility of the relevant websites editor. PSA INSURANCE MANAGER will accept no responsibility whatsoever for the contents or operation of the websites that hyperlinks redirect to.
7. Modifications
PSA INSURANCE MANAGER reserves the right to modify, complete and / or delete, and more generally, update, all or part of these Terms of Use, at any time. PSA INSURANCE MANAGER commits to inform Users on the first page of the Site if there is an amendment or an addition with a significant impact. 
If the User continues to use the Site after the addition or modification of the Terms of Use, he irrevocably undertakes to accept the revised or updated Terms of Use. 
The User must therefore consult them regularly.
8. Applicable law and jurisdiction
The Site and its content are governed by Spanish law, subject to the provisions which cannot be derogated by agreement under the law applicable to the User. 
Any dispute related to these Terms of Use will be subject to the exclusive jurisdiction of the Spanish courts of Justice. 
9. Partners
The site is realized in collaboration with:
  • Prima Solutions.
  • Aqubix Ltd. is a web design agency based in Malta.
  • Autobiz SA is a Service provider selected by PSA Insurance Manager to provide Market Value of Vehicles.
  • Geonames is a service is licensed under a Creative Commons Attribution 3.0 License. The original page is available at www.geonames.org.
  • SEFAS Innovation Inc.
  • Teleforwarding, global company based in Netherlands, specialised in phone related services https://www.teleforwarding.com.
  • Netop, global company based in Denmark, specialised in chat functions service https://liveguidechat.com.
10. Customer Area 
These Terms of Use set out in details the conditions of use of the customer area. By accessing their customer space, customers may, depending on the contracts they have entered into, consult their documentation and/or make changes to their information and/or manage their insurance contracts and/or declare claims and/or lodge complaints. The User acknowledges to have read and accepted without reserve the provisions of these General Terms and Conditions.
Access to the Service 
Access to the My Account area is reserved for Users who hold a quote and/or an insurance contract purchased via the site.
Access codes
Access to the Online Management Service requires an identification of the User by means of his access codes.
The access codes are composed of:
  • Login username
  • Password created by the User. 
The Insurer may not respond to an access request or delete access that could have been granted.
In the event of loss or forgetting of the confidential code, the participant has the possibility to ask to receive a new confidential code which will be sent to him by email.
Actions via Customer area 
Provided that such operations are included in the Insurance policy, the Customer area allows the User to carry out the operations described below.
The User can: 
  • Consult his/her Insurance Policy (GTCs and Policy schedule)
  • View list of quotes 
  • View details of a quote
  • Edit a quote
  • View list of policies
  • View details of a policy
  • Bind a policy
  • Request termination of a policy 
  • Request cancellation of a policy 
  • Open a claim 
  • Edit personal information such as email address
  • Update password 
  • Make payments after due date 
PSA Insurance Ltd. reserves the right to modify or delete at any time the scope of products, the scope and conditions of on-line management operations.
11. Live Chat function & Telephone Service
At PSA Insurance Solutions we want the best for our website visitors. Facilitating the dialogue to comply with our duty to give the relevant advice regarding customer needs is one of our priorities! For that purpose, we want to demonstrate our interest in the digital evolution and decide to provide the following services:
  • The Live Chat function service: customers can contact us instantly and make inquiries online. During their visit on our website, our performing and trained advisors will answer their questions in the language of their choice.
  • The Telephone service: PSA Insurance Solutions undertakes to provide an adequate answer to help orally the customers regarding the queries they may have before, during or after the subscription process.
To ensure the quality of our services, our insurance advisors are available on Monday to Friday from 9am to 5pm.
How can customers access to our telephone service and chat functionality?
The service is simple: enter your query in the chat frame and one of our advisors will get back to you as soon as possible. Concerning the telephone service, please contact us through the following phone number: 0034-900-831761. We can also respond your queries by email outside our normal hours (9 to 5pm). 
© PSA Insurance Solutions
PSA Insurance Limited, Reg; C44567 is a limited liability company under Maltese law, having its registered address at: MIB House, 53 Abate Rigord Street, Ta’ Xbiex, XBX1122 Malta. The company is authorised to carry on business in terms of the Insurance Business Act, and authorised to carry on Insurance business under the freedom to provide services provisions, by the Malta Financial Services Authority (MFSA), Notabile Road, Attard BKR 3000, Malta.