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Spain combats 1980s legacy

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      <subfield code="a">Brown, Sara</subfield>
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      <subfield code="a">Spain combats 1980s legacy</subfield>
      <subfield code="c">Sara Brown</subfield>
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      <subfield code="a">The chaos was promoted by the booming climate of the late-1980s, when foreign insurers rushed to get a foot in the market. But by 1990, insurers and the authorities were forced to take serious steps to shape up the sector. A recent study by the sector's regulatory authority, Dirección General de Seguros, found that 25 percent of the companies in the sector accounted for a combined market share of barely 3 percent, a long way from a viable turnover. Capital requirements introduced earlier this year are likely to provoke the merger or disappearance of many them. Distribution of motor products is mainly through tied agents and brokers and commissions have been extremely high, at 15-20 percent. Few companies use telephone sales or mass distribution outlets such as shopping centres or banks. Only two, MAPFRE Mutualidad and Mutua Madrileña, use direct sales methods</subfield>
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      <subfield code="0">MAPA20080472214</subfield>
      <subfield code="a">MAPFRE Mutualidad de Seguros y Reaseguros a Prima Fija</subfield>
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      <subfield code="0">MAPA20080451882</subfield>
      <subfield code="a">Mutua Madrileña Automovilista, Sociedad de Seguros a Prima Fija</subfield>
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      <subfield code="0">MAPA20080603779</subfield>
      <subfield code="a">Seguro de automóviles</subfield>
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      <subfield code="0">MAPA20080586294</subfield>
      <subfield code="a">Mercado de seguros</subfield>
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      <subfield code="a">España</subfield>
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      <subfield code="0">MAPA20080590567</subfield>
      <subfield code="a">Empresas de seguros</subfield>
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      <subfield code="0">MAPA20080610326</subfield>
      <subfield code="a">Distribución de seguros</subfield>
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      <subfield code="a">Insurance industry international</subfield>
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      <subfield code="w">MAP20090015111</subfield>
      <subfield code="t">Insurance industry international</subfield>
      <subfield code="d">Dublin : Lafferty Publications</subfield>
      <subfield code="g">Issue 17, September 1993 ; p. 11</subfield>
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