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Spain combats 1980s legacy

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<title>Spain combats 1980s legacy</title>
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<title>Insurance industry international</title>
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<name type="personal" usage="primary" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080021177">
<namePart>Brown, Sara</namePart>
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<placeTerm type="code" authority="marccountry">irl</placeTerm>
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<dateIssued encoding="marc">1993</dateIssued>
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<abstract displayLabel="Summary">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</abstract>
<note type="statement of responsibility">Sara Brown</note>
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<name type="corporate">
<namePart>MAPFRE Mutualidad de Seguros y Reaseguros a Prima Fija</namePart>
</name>
</subject>
<subject authority="" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080451882">
<name type="corporate">
<namePart>Mutua Madrileña Automovilista, Sociedad de Seguros a Prima Fija</namePart>
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</subject>
<subject authority="lcshac" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080603779">
<topic>Seguro de automóviles</topic>
</subject>
<subject authority="lcshac" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080586294">
<topic>Mercado de seguros</topic>
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<subject authority="lcshac" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080540913">
<topic>España</topic>
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<subject authority="lcshac" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080590567">
<topic>Empresas de seguros</topic>
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<topic>Distribución de seguros</topic>
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<title>Insurance industry international</title>
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<originInfo>
<publisher>Dublin : Lafferty Publications</publisher>
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<identifier type="local">MAP20090015111</identifier>
<part>
<text>Issue 17, September 1993 ; p. 11</text>
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<recordCreationDate encoding="marc">950306</recordCreationDate>
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<recordIdentifier source="MAP">MAP20071021930</recordIdentifier>
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