{"id":386749,"date":"2026-02-06T09:50:15","date_gmt":"2026-02-06T08:50:15","guid":{"rendered":"https:\/\/ga-p.com\/?post_type=publicacion&#038;p=386749"},"modified":"2026-02-06T09:50:17","modified_gmt":"2026-02-06T08:50:17","slug":"how-does-the-customer-services-act-10-2025-of-26-december-affect-insurers","status":"publish","type":"publicacion","link":"https:\/\/ga-p.com\/en\/publications\/how-does-the-customer-services-act-10-2025-of-26-december-affect-insurers\/","title":{"rendered":"How does the Customer Services Act 10\/2025 of 26 December affect insurers?"},"content":{"rendered":"<div id=\"ColumnaMasSidebar-block_da6c01c4fe9de1223d81b0c591ea2bf3\" class=\"ColumnaMasSidebar v1\">\n    <div class=\"container\">\n                <div class=\"hero-inner-blocks\">\n<div id=\"ColumnaIzquierda-block_d87b078a662d411a4652005f2fe9fa33\" class=\"blanco ColumnaIzquierda\">\n    <div class=\"acf-innerblocks-container\">\n\n<p>Act 10\/2025 amends Act 44\/2002 and requires the updating of regulations for customer services. It comes into force on 28\/12\/2025, with a twelve-month adaptation period. It enhances accessibility and personalised assistance; it prohibits answering machines and call forwarding from toll-free numbers to paid lines. It requires the separation of customer services from commercial functions and specialised staff training, including assistance to vulnerable groups. It also expands customer information, prohibits complaints by telephone and allows co-official languages. It also establishes acknowledgement with an identification code and new grounds for non-acceptance; sets a deadline of one month for resolving complaints to customer services and ninety days for complaints to the Directorate-General for Insurance and Pension Funds, and specifies the requirements for acceptance.<\/p>\n\n\n\n<div id=\"Documento-block_69f4808fc256157838b411461c77efc0\" class=\"Documento\">\n    <div class=\"textImage col-12 col-lg-5 col-xl-6 col-xxl-7\">\n        <img decoding=\"async\" alt=\"icon\" src=\"https:\/\/ga-p.com\/wp-content\/themes\/ga-p\/assets\/images\/document-icon-blu.svg\" \/>\n        <div class=\"titulo\"><p>Download document<\/p>\n<\/div>\n    <\/div>\n    <div class=\"enlace\">\n                    <a class=\"primaryCta\" href=\"https:\/\/ga-p.com\/wp-content\/uploads\/2026\/02\/Aseguradoras_-Ley_102025_eng.pdf\" target=\"_blank\">View document                <img decoding=\"async\" alt=\"icon\" src=\"https:\/\/ga-p.com\/wp-content\/themes\/ga-p\/assets\/images\/external-icon.svg\" \/>\n            <\/a>\n            <\/div>\n<\/div>\n\n<\/div>\n<\/div>\n\n\n<div id=\"ColumnaSidebar-block_3262ff10ecb2b22f884b971dc6f70cec\" class=\"blanco ColumnaSidebar\">\n    <div class=\"acf-innerblocks-container\">\n\n\n<div id=\"NoticiaPublicacionInformacion-block_d3b8fb81501430879c6578044582db71\" class=\"NoticiaPublicacionInformacion\">\n\n    <div class=\"personal_office\">\n        <div class=\"personal\">\n\n                            <div class=\"autores\">\n                    <div class=\"titleCategoria\">Autor\/s<\/div>\n                    <div class=\"out itemCont\">\n                                                                                                            <p class=\"item\">\n                                    <span class=\"rectangleBlu\"> <\/span>\n                                                                        <a href=\"https:\/\/ga-p.com\/en\/person\/pablo-muelas\/\" class=\"nameAuthor\">Pablo Muelas<\/a>\n                                                                        <span class=\"charge\"> &#8211; Partner<\/span>\n                                <\/p>\n                                                                                                                                        <p class=\"item\">\n                                    <span class=\"rectangleBlu\"> <\/span>\n                                    <span class=\"nameAuthor text-decoration-none\">Gloria Garc\u00eda Caballero <\/span>\n                                    <span class=\"charge\"><\/span>\n                                <\/p>\n                                                                        <\/div>\n                                    <\/div>\n            \n            \n                        <div class=\"categorias\">\n                <div class=\"titleCategoria\">Category<\/div>\n                                    <p class=\"item\">\n                        <span class=\"rectangleBlu\"> <\/span>\n                        <span class=\"nameAuthor text-decoration-none\">Analysis<\/span>\n                    <\/p>\n                            <\/div>\n            \n                        <div class=\"areas_sectores\">\n                <div class=\"titleCategoria\">Areas and sectors<\/div>\n                                                                            <p class=\"item\">\n                            <span class=\"rectangleBlu\"> <\/span>\n                            <a href=\"https:\/\/ga-p.com\/en\/sector\/insurance-pension-funds\/\" class=\"nameAuthor\">Insurance and Pension Funds<\/a>\n                        <\/p>\n                                                <\/div>\n                <\/div>\n<\/div>\n\n<\/div>\n<\/div>\n\n<\/div>\n\n    <\/div>\n\n<\/div>\n\n\n<div id=\"ColumnaMasSidebar-block_e255641457d2f92f452a4b70114eabd6\" class=\"ColumnaMasSidebar 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                   style=\"background:url(https:\/\/ga-p.com\/wp-content\/uploads\/2024\/05\/Fondo-personas-nueva-web.webp)\">\n                        <img fetchpriority=\"high\" decoding=\"async\" width=\"424\" height=\"424\" src=\"https:\/\/ga-p.com\/wp-content\/uploads\/2025\/06\/Pablo-Muelas.png\" class=\"\" alt=\"Pablo Muelas\" loading=\"eager\" srcset=\"https:\/\/ga-p.com\/wp-content\/uploads\/2025\/06\/Pablo-Muelas.png 424w, https:\/\/ga-p.com\/wp-content\/uploads\/2025\/06\/Pablo-Muelas-300x300.png 300w, https:\/\/ga-p.com\/wp-content\/uploads\/2025\/06\/Pablo-Muelas-150x150.png 150w\" sizes=\"(max-width: 424px) 100vw, 424px\" \/>                    <\/div>\n                <\/a>\n                        <div class=\"personaInfo\">\n                <a style=\"text-decoration: none;\" href=\"https:\/\/ga-p.com\/en\/person\/pablo-muelas\/\">\n                    <div class=\"name\">Pablo Muelas<\/div>\n                <\/a>\n                                    <div class=\"cargo\">Partner<\/div>\n                                                    <div class=\"specs mb-2 d-flex align-items-center gap-2\">\n                                                    <img decoding=\"async\" class=\"image\" alt=\"email\"\n                                src=\"https:\/\/ga-p.com\/wp-content\/themes\/ga-p\/assets\/images\/email-icon.svg\" \/>\n                                                <a href=\"mailto:pmuelas@ga-p.com\">pmuelas@ga-p.com<\/a>\n                    <\/div>\n                                                    <div class=\"specs mb-2 d-flex align-items-center gap-2\">\n                                                    <img decoding=\"async\" class=\"image\" src=\"https:\/\/ga-p.com\/wp-content\/themes\/ga-p\/assets\/images\/profession-icon.svg\" \/>\n                                                <div class=\"areas\">\n                                                            <a\n                                    href=\"https:\/\/ga-p.com\/en\/area\/baking-and-finance\/\">Banking and Finance<\/a>\n                                                    <\/div>\n                    <\/div>\n                                                    <div class=\"specs mb-2 d-flex align-items-center gap-2\">\n                                                    <img decoding=\"async\" class=\"image\" src=\"https:\/\/ga-p.com\/wp-content\/themes\/ga-p\/assets\/images\/select-oficinas.svg\" \/>\n                                                <a\n                            href=\"https:\/\/ga-p.com\/en\/office\/madrid\/\">Madrid<\/a>\n                    <\/div>\n                                                    <div class=\"specs mb-2 d-flex align-items-center gap-2\">\n                                                    <img decoding=\"async\" alt=\"icon\"\n                                src=\"https:\/\/ga-p.com\/wp-content\/themes\/ga-p\/assets\/images\/mobile-primary.svg\" \/>\n                          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   class=\"personaCard  egeo\">\n        <div class=\"personaContent\">\n                            <a href=\"https:\/\/ga-p.com\/en\/person\/pablo-muelas\/\">\n                    <div class=\"personaImage\"\n                        style=\"background:url(https:\/\/ga-p.com\/wp-content\/uploads\/2024\/05\/Fondo-personas-nueva-web.webp)\">\n                        <img fetchpriority=\"high\" decoding=\"async\" width=\"424\" height=\"424\" src=\"https:\/\/ga-p.com\/wp-content\/uploads\/2025\/06\/Pablo-Muelas.png\" class=\"\" alt=\"Pablo Muelas\" loading=\"eager\" srcset=\"https:\/\/ga-p.com\/wp-content\/uploads\/2025\/06\/Pablo-Muelas.png 424w, https:\/\/ga-p.com\/wp-content\/uploads\/2025\/06\/Pablo-Muelas-300x300.png 300w, https:\/\/ga-p.com\/wp-content\/uploads\/2025\/06\/Pablo-Muelas-150x150.png 150w\" sizes=\"(max-width: 424px) 100vw, 424px\" \/>                    <\/div>\n                <\/a>\n                        <div class=\"personaInfo\">\n                <a 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align-items-center gap-2\">\n                                                    <img decoding=\"async\" alt=\"icon\"\n                                src=\"https:\/\/ga-p.com\/wp-content\/themes\/ga-p\/assets\/images\/mobile-primary.svg\" \/>\n                                                <a href=\"tel:(+34) 91 582 91 00\">(+34) 91 582 91 00<\/a>\n                    <\/div>\n                            <\/div>\n        <\/div>\n\n        <a href=\"https:\/\/ga-p.com\/en\/person\/pablo-muelas\/\" class=\"align-self-start align-self-lg-end\">\n            <div class=\"openCard\">\n                                    <img decoding=\"async\" alt=\"icon\" src=\"https:\/\/ga-p.com\/wp-content\/themes\/ga-p\/assets\/images\/arrow-open.svg\" \/>\n                    <img decoding=\"async\" alt=\"icon\" src=\"https:\/\/ga-p.com\/wp-content\/themes\/ga-p\/assets\/images\/arrow-open.svg\" \/>\n                \n            <\/div>\n        <\/a>\n    <\/div>\n                            <\/div>\n                                            <\/div>\n                <\/div>\n                <div class=\"row align-items-center mt-4\">\n                    <div class=\"counter col-6\"><\/div>\n                    <div class=\"swiperArrowsPers col-6\">\n                        <div class=\"d-flex align-items-center gap-4 justify-content-end\">\n                            <div class=\"swiper-button-prev\"><img decoding=\"async\" alt=\"icon\" src=\"https:\/\/ga-p.com\/wp-content\/themes\/ga-p\/assets\/images\/slider-arrow.svg\" \/><\/div>\n                            <div class=\"swiper-button-next\"><img decoding=\"async\" alt=\"icon\" src=\"https:\/\/ga-p.com\/wp-content\/themes\/ga-p\/assets\/images\/slider-arrow.svg\" \/><\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n    \n\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Act 10\/2025 amends Act 44\/2002 and requires the updating of regulations for customer services. It comes into force on 28\/12\/2025, with a twelve-month adaptation period. It enhances accessibility and personalised assistance; it prohibits answering machines and call forwarding from toll-free numbers to paid lines. It requires the separation of customer services from commercial functions and specialised staff training, including assistance to vulnerable groups. It also expands customer information, prohibits complaints by telephone and allows co-official languages. It also establishes acknowledgement with an identification code and new grounds for non-acceptance; sets a deadline of one month for resolving complaints to customer services and ninety days for complaints to the Directorate-General for Insurance and Pension Funds, and specifies the requirements for acceptance.<\/p>\n","protected":false},"featured_media":322569,"template":"","publicacion_categoria":[126],"class_list":["post-386749","publicacion","type-publicacion","status-publish","has-post-thumbnail","hentry","publicacion_categoria-analysis-en"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How does the Customer Services Act 10\/2025 of 26 December affect insurers? - Despacho de abogados G\u00f3mez-Acebo y Pombo<\/title>\n<meta name=\"description\" content=\"Act 10\/2025 amends Act 44\/2002 and requires the updating of regulations for customer services. It comes into force on 28\/12\/2025, with a twelve-month adaptation period. It enhances accessibility and personalised assistance; it prohibits answering machines and call forwarding from toll-free numbers to paid lines. It requires the separation of customer services from commercial functions and specialised staff training, including assistance to vulnerable groups. It also expands customer information, prohibits complaints by telephone and allows co-official languages. It also establishes acknowledgement with an identification code and new grounds for non-acceptance; sets a deadline of one month for resolving complaints to customer services and ninety days for complaints to the Directorate-General for Insurance and Pension Funds, and specifies the requirements for acceptance.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ga-p.com\/en\/publications\/how-does-the-customer-services-act-10-2025-of-26-december-affect-insurers\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How does the Customer Services Act 10\/2025 of 26 December affect insurers? - Despacho de abogados G\u00f3mez-Acebo y Pombo\" \/>\n<meta property=\"og:description\" content=\"Act 10\/2025 amends Act 44\/2002 and requires the updating of regulations for customer services. It comes into force on 28\/12\/2025, with a twelve-month adaptation period. It enhances accessibility and personalised assistance; it prohibits answering machines and call forwarding from toll-free numbers to paid lines. It requires the separation of customer services from commercial functions and specialised staff training, including assistance to vulnerable groups. It also expands customer information, prohibits complaints by telephone and allows co-official languages. It also establishes acknowledgement with an identification code and new grounds for non-acceptance; sets a deadline of one month for resolving complaints to customer services and ninety days for complaints to the Directorate-General for Insurance and Pension Funds, and specifies the requirements for acceptance.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/ga-p.com\/en\/publications\/how-does-the-customer-services-act-10-2025-of-26-december-affect-insurers\/\" \/>\n<meta property=\"og:site_name\" content=\"Despacho de abogados G\u00f3mez-Acebo y Pombo\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-06T08:50:17+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/ga-p.com\/wp-content\/uploads\/2024\/10\/Analysis.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2500\" \/>\n\t<meta property=\"og:image:height\" content=\"1308\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/ga-p.com\\\/en\\\/publications\\\/how-does-the-customer-services-act-10-2025-of-26-december-affect-insurers\\\/\",\"url\":\"https:\\\/\\\/ga-p.com\\\/en\\\/publications\\\/how-does-the-customer-services-act-10-2025-of-26-december-affect-insurers\\\/\",\"name\":\"How does the Customer Services Act 10\\\/2025 of 26 December affect insurers? - Despacho de abogados G\u00f3mez-Acebo y Pombo\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/ga-p.com\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/ga-p.com\\\/en\\\/publications\\\/how-does-the-customer-services-act-10-2025-of-26-december-affect-insurers\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/ga-p.com\\\/en\\\/publications\\\/how-does-the-customer-services-act-10-2025-of-26-december-affect-insurers\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/ga-p.com\\\/wp-content\\\/uploads\\\/2024\\\/10\\\/Analysis.jpg\",\"datePublished\":\"2026-02-06T08:50:15+00:00\",\"dateModified\":\"2026-02-06T08:50:17+00:00\",\"description\":\"Act 10\\\/2025 amends Act 44\\\/2002 and requires the updating of regulations for customer services. 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It comes into force on 28\/12\/2025, with a twelve-month adaptation period. It enhances accessibility and personalised assistance; it prohibits answering machines and call forwarding from toll-free numbers to paid lines. It requires the separation of customer services from commercial functions and specialised staff training, including assistance to vulnerable groups. It also expands customer information, prohibits complaints by telephone and allows co-official languages. It also establishes acknowledgement with an identification code and new grounds for non-acceptance; sets a deadline of one month for resolving complaints to customer services and ninety days for complaints to the Directorate-General for Insurance and Pension Funds, and specifies the requirements for acceptance.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/ga-p.com\/en\/publications\/how-does-the-customer-services-act-10-2025-of-26-december-affect-insurers\/","og_locale":"en_US","og_type":"article","og_title":"How does the Customer Services Act 10\/2025 of 26 December affect insurers? - Despacho de abogados G\u00f3mez-Acebo y Pombo","og_description":"Act 10\/2025 amends Act 44\/2002 and requires the updating of regulations for customer services. It comes into force on 28\/12\/2025, with a twelve-month adaptation period. 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