The financial institution is obliged to accept alternative insurance policies with equivalent conditions, cover and benefits to those proposed by the bank, which will not be allowed to charge fees for analysing the policies submitted by the customer. And a VERY IMPORTANT point is that accepting an alternative policy must not entail “tougher loan conditions of any kind whatsoever”.
The Act requires owners of such dogs to take out a civil liability insurance policy with a minimum indemnity of 120,000 euros for the damage they may cause. Furthermore, the owners must have a municipal license for the possession of potentially dangerous animals that obliges them to meet certain requirements.
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