Cashback Campaign

This document is for informational purposes only. Its purpose is to inform participants of the conditions associated with the “Expatriates Auto and Home Campaign.”

The goal of this Campaign is to encourage the purchase of the products specified in these Terms and Conditions, which are marketed by GENERALI.

Campaign Terms and Conditions:

ORGANISER: This Campaign is organised by GENERALI ESPAÑA DE SEGUROS Y REASEGUROS S.A. (hereinafter, “GENERALI”), with Tax ID (N.I.F.) A-48037642 and registered office at Plaza Manuel-Gómez Moreno 5, 28020 Madrid. It is registered with the Directorate General for Insurance and Pension Funds under code C-0467.

CAMPAIGN: The Campaign (hereinafter, the “Campaign”) is directed toward the sale of the products detailed in the PRODUCTS section to current and new GENERALI customers whose policies have been issued through the Expatriates intermediary channel (the “Customers”).

New policies for the products defined in the Campaign will be incentivised in accordance with the Incentives section of these Legal Terms and Conditions. The Campaign is intended solely for Customers who are individuals.

DURATION: 26 January to 31 March 2026. 

PRODUCTS. The products covered by the Campaign are: 

• Current G2 product for both Auto and Home, until the new G3 product is available.
  • E11 – E21 for AUTO.
    • HU2 for HOME.
• Minimum Premiums:
  • Minimum Home premium: €325 (Mainland), €225 (Canary Islands).
    • Minimum Auto premium: €450 (Mainland), €400 (Canary Islands).

BENEFICIARIES / ELIGIBILITY:

Campaign conditions apply only to newly issued policies. 

Eligible policies must be issued between 26 January 2026, and 31 March 2026, with an effective date no later than 30 April 2026. 

Standard underwriting rules established by the Company for each product will apply.

The incentive cannot be combined with other campaigns. 

Exclusions:

Replacements are excluded.

Internal transfers of insured parties with active Collective or Individual policies.

Brokers with special agreements for Multi-risk Home insurance.

INCENTIVE

• For taking out an auto and/or home insurance policy, you get €30 cashback per policy – whether you’re a new customer or an existing one.
  • There is no limit on the number of policies you can take out during the campaign period; every qualifying policy will receive the incentive.
  • Direct debit of the policy is mandatory to receive the incentive. Only bank accounts within the SEPA zone will be accepted.
  • The incentive will be paid by bank transfer to the account where the policy is domiciled, at least 60 days following the policy’s effective date and once the premium has been paid.
• Customers who take out a policy for one of the insurance products listed in the Products section of these Legal Terms and Conditions during the promotion period will qualify, even if the policy takes effect up to 30 days after the campaign ends.
• A customer may take out more than one policy from the products included in the campaign, and all contracted policies that meet the conditions will be eligible for the incentive.

The incentive payment will be made via bank transfer to customers after the premium payment for the insurance policy contracted with GENERALI has been collected, once 60 days have passed since the policy took effect.

To receive the incentive, the customer must have authorised the sending of commercial communications based on Legitimate Interest in their customer profile.

TAX IMPLICATIONS

In accordance with current tax regulations, the incentive received is considered a capital gain and must be included in your Personal Income Tax (IRPF) return.

The Company assumes no responsibility toward the beneficiaries for any vices or defects, of any nature, related to the incentive granted.

HOW THE INCENTIVE IS PAID 

Once the campaign period has ended, and after verifying compliance with all conditions – including that the premium has been paid and the policy remains in force (which requires the 60-day waiting period) – the incentive will be sent to customers via bank transfer to the account on file used for the payment of the contracted policy.

SUSPENSION AND MODIFICATION OF THE CAMPAIGN

If, for any reason beyond GENERALI’s control, the campaign cannot proceed as planned, GENERALI reserves the right to cancel, modify, or suspend it. Likewise, GENERALI will not be responsible for any delays attributable to third parties that may affect the campaign. 

GENERALI reserves the right to modify these Legal Terms and Conditions at any time, provided there is just cause, and with the commitment to communicate and publicise the new terms and conditions with sufficient advance notice.

APPLICABLE LAW, JURISDICTION, AND ACCEPTANCE OF THESE TERMS

Participation in this campaign implies full and unconditional acceptance of these Legal Terms and Conditions, as well as GENERALI’s criteria in resolving any disputes regarding their interpretation.

If any customer expresses refusal to accept these terms or engages in any actions contrary to them, they will be automatically excluded from the campaign and from the associated incentive. In such cases, GENERALI is released from any obligation toward that customer arising from this campaign.

For any dispute – direct or indirect – arising from the interpretation or execution of these Legal Terms, both GENERALI and the customers participating in this promotion expressly submit, waiving any other jurisdiction or forum that might apply, to the jurisdiction of the Courts and Tribunals of the city of Madrid. The applicable law is Spanish common law.

In Madrid, on 26 January 2026.