{"id":11590,"date":"2025-10-14T09:13:59","date_gmt":"2025-10-14T09:13:59","guid":{"rendered":"https:\/\/www.italiafideiussioni.it\/?p=11590"},"modified":"2026-06-12T11:33:17","modified_gmt":"2026-06-12T11:33:17","slug":"auge-cauciones-falsas-verificaciones-ivass-estafas","status":"publish","type":"post","link":"https:\/\/www.italiafideiussioni.it\/es\/auge-cauciones-falsas-verificaciones-ivass-estafas\/","title":{"rendered":"Auge de las cauciones falsas: c\u00f3mo las verificaciones IVASS protegen a empresas y ciudadanos de las estafas"},"content":{"rendered":"\n<h2 class=\"gb-headline gb-headline-053239dc gb-headline-text\"><strong>An\u00e1lisis en profundidad de las verificaciones IVASS para cauciones y p\u00f3lizas de seguro<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Las verificaciones realizadas a trav\u00e9s de IVASS (Instituto para la Supervisi\u00f3n de los Seguros) son una herramienta esencial para comprobar la <strong>validez y autenticidad<\/strong> de una cauci\u00f3n o de una p\u00f3liza de seguro.<br \/>Hoy m\u00e1s que nunca, este control resulta indispensable, sobre todo en el contexto de las <strong>garant\u00edas financieras para contratos p\u00fablicos y privados<\/strong>, donde el aumento de los fraudes est\u00e1 vinculado tambi\u00e9n al enorme flujo de fondos del Plan Nacional de Recuperaci\u00f3n y Resiliencia (PNRR).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En los \u00faltimos meses <a href=\"https:\/\/www.ivass.it\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>IVASS<\/strong><\/a>, <a href=\"https:\/\/www.bancaditalia.it\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Banca d\u2019Italia<\/strong><\/a> y <a href=\"https:\/\/www.anticorruzione.it\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>ANAC <\/strong><\/a>han publicado <strong>indicaciones operativas actualizadas a 18 de julio de 2025<\/strong>, que permiten distinguir con certeza una garant\u00eda aut\u00e9ntica de una p\u00f3liza falsa.<br \/>Veamos juntos c\u00f3mo realizar todas las verificaciones, paso a paso.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Actualizaci\u00f3n: descubre el nuevo <a href=\"https:\/\/www.italiafideiussioni.it\/truffa-polizze-fideiussorie-false-asito-kapital\/\">caso Asito Kapital, una de las estafas m\u00e1s recientes<\/a> en el sector de las p\u00f3lizas de cauci\u00f3n<\/p>\n\n\n<div class=\"gb-container gb-container-55c85d99\">\n<style>.kb-table-of-content-nav.kb-table-of-content-id11588_0148a0-92 .kb-table-of-content-wrap{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);}.kb-table-of-content-nav.kb-table-of-content-id11588_0148a0-92 .kb-table-of-contents-title-wrap{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kb-table-of-content-nav.kb-table-of-content-id11588_0148a0-92 .kb-table-of-contents-title{font-weight:regular;font-style:normal;}.kb-table-of-content-nav.kb-table-of-content-id11588_0148a0-92 .kb-table-of-content-wrap .kb-table-of-content-list{color:#00397d;font-size:1.2em;line-height:30px;font-weight:regular;font-style:normal;margin-top:var(--global-kb-spacing-sm, 1.5rem);margin-right:0px;margin-bottom:0px;margin-left:0px;}.kb-table-of-content-nav.kb-table-of-content-id11588_0148a0-92 .kb-table-of-content-wrap .kb-table-of-content-list .kb-table-of-contents__entry:hover{color:#3bbff0;}@media all and (max-width: 767px){.kb-table-of-content-nav.kb-table-of-content-id11588_0148a0-92 .kb-table-of-content-wrap .kb-table-of-content-list{font-size:1em;}}<\/style>\n<\/div>\n\n\n<h3 class=\"gb-headline gb-headline-f275686b gb-headline-text\"><b><strong>1. Verificaci\u00f3n de la legitimaci\u00f3n de la empresa emisora<\/strong><\/b><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">El primer paso es comprobar que la empresa que ha emitido la p\u00f3liza est\u00e9 efectivamente <strong>autorizada a operar en el ramo de cauciones (ramo 15)<\/strong>, previsto en el art\u00edculo 2 del decreto legislativo 209\/2005, es decir, el C\u00f3digo de los Seguros Privados.<br \/>Solo las compa\u00f1\u00edas habilitadas pueden emitir cauciones v\u00e1lidas.<br \/>Un documento emitido por una sociedad no autorizada, aunque sea formalmente correcto, es <strong>nulo e ineficaz<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>C\u00f3mo verificar una empresa italiana<\/strong><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Accede al sitio web oficial <a href=\"https:\/\/www.ivass.it\/normativa\/nazionale\/convenzioni-nazionali\/documenti\/doc-congiunti\/Comunicazione_su_garanzie_finanziarie_18.07.2025.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">del IVASS, secci\u00f3n <strong>\u201cGarant\u00edas Financieras para las AA. PP.\u201d<\/strong>.<br \/><\/a><\/li>\n\n\n\n<li>Descarga la lista de las <strong>empresas italianas habilitadas en el ramo de cauciones<\/strong>, disponible en formato CSV:<br \/><a href=\"https:\/\/infostat-ivass.bancaditalia.it\/RIGAInquiry-public\/getAreaDownloadExport.do?referenceDate=&amp;product=VFLUSSO_VIG_RAMO15&amp;language=IT&amp;exportType=CSV&amp;username=OBLIXANONYMOUS&amp;isCompressed=S\" target=\"_blank\" rel=\"noreferrer noopener\">Descargar lista de empresas italianas autorizadas \u2013 IVASS<br \/><\/a><\/li>\n\n\n\n<li>Busca la denominaci\u00f3n de la compa\u00f1\u00eda que ha emitido la p\u00f3liza.<br \/><\/li>\n\n\n\n<li>Comprueba que se indiquen las <strong>modalidades de verificaci\u00f3n telem\u00e1tica<\/strong> (sitio web, PEC o plataforma en l\u00ednea) conformes <a href=\"https:\/\/www.codiceappalti.it\/DLGS_36_2023\/Articolo_106__Garanzie_per_la_partecipazione_alla_procedura_\/12725\" target=\"_blank\" rel=\"noreferrer noopener\">al art\u00edculo 106, apartado 3, del <strong>C\u00f3digo de los Contratos P\u00fablicos \u2013 D.Lgs. 36\/2023<\/strong>.<br \/><\/a><\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Si la compa\u00f1\u00eda no figura en la lista, consulta<a href=\"https:\/\/www.ivass.it\/garanzie-finanziarie\/index.html\" target=\"_blank\" rel=\"noreferrer noopener\"> la lista de las <strong>empresas no autorizadas o no habilitadas<\/strong>, publicada en la secci\u00f3n \u201cPara los consumidores\u201d del sitio IVASS<\/a>.<br \/><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aceptar una p\u00f3liza procedente de tales sujetos puede acarrear <strong>sanciones, exclusiones de licitaci\u00f3n y riesgos penales<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>C\u00f3mo verificar una empresa extranjera<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Para las empresas con sede en otro pa\u00eds de la Uni\u00f3n Europea o del Espacio Econ\u00f3mico Europeo (EEE), la verificaci\u00f3n sigue un procedimiento an\u00e1logo:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Accede a la misma secci\u00f3n <strong>\u201cGarant\u00edas Financieras para las AA. PP.\u201d<\/strong> en el sitio IVASS.<br \/><\/li>\n\n\n\n<li>Descarga la lista actualizada de las <strong>empresas extranjeras habilitadas en el ramo de cauciones<\/strong>:<br \/><a href=\"https:\/\/infostat-ivass.bancaditalia.it\/RIGAInquiry-public\/getAreaDownloadExport.do?referenceDate=&amp;product=VFLUSSO_EST_RAMO15&amp;language=IT&amp;exportType=CSV&amp;username=OBLIXANONYMOUS&amp;isCompressed=S\" target=\"_blank\" rel=\"noreferrer noopener\">Descargar lista de empresas extranjeras autorizadas \u2013 IVASS<br \/><\/a><\/li>\n\n\n\n<li>Comprueba si la compa\u00f1\u00eda est\u00e1 autorizada a operar en Italia mediante <strong>pasaporte europeo<\/strong> en el Registro RIGA.<br \/><\/li>\n\n\n\n<li>Verifica m\u00e1s detalles en el <strong>Registro Europeo de Empresas de Seguros de la EIOPA<\/strong>:<br \/>Registro EIOPA \u2013 Insurance Undertakings<br \/><\/li>\n\n\n\n<li>Si no encuentras la compa\u00f1\u00eda o tienes dudas sobre su habilitaci\u00f3n, env\u00eda una solicitud de verificaci\u00f3n a la direcci\u00f3n PEC oficial <strong>ivass@pec.ivass.it<\/strong>.<br \/><\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Recuerda que las <strong>Sociedades de Socorro Mutuo<\/strong> no est\u00e1n supervisadas por IVASS y <strong>no pueden emitir cauciones<\/strong> ni garant\u00edas financieras.<\/p>\n\n\n<div class=\"gb-container gb-container-715be5ab ifi-cta-box\">\n<style>.wp-block-kadence-advancedheading.kt-adv-heading5804_fb49fc-83, .wp-block-kadence-advancedheading.kt-adv-heading5804_fb49fc-83[data-kb-block=\"kb-adv-heading5804_fb49fc-83\"]{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);text-align:center;font-size:20px;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading5804_fb49fc-83 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading5804_fb49fc-83[data-kb-block=\"kb-adv-heading5804_fb49fc-83\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading5804_fb49fc-83 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading5804_fb49fc-83[data-kb-block=\"kb-adv-heading5804_fb49fc-83\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<div class=\"kt-adv-heading5804_fb49fc-83 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading5804_fb49fc-83\">Le <a href=\"https:\/\/www.italiafideiussioni.it\/testimonianze\/\">recensioni positive dei nostri clienti<\/a> sono la prova tangibile della nostra eccellenza. <br \/>Scopri cosa dicono le persone che hanno provato i nostri servizi.<\/div>\n\n\n<div id=\"rpi-3943-6a32491daa8b6\" class=\"rpi\" style=\"\" data-id=\"3943\" data-opts='{&quot;layout&quot;:&quot;slider&quot;,&quot;style_style&quot;:&quot;1&quot;,&quot;style_stars&quot;:&quot;4&quot;,&quot;style_ava&quot;:&quot;1&quot;,&quot;head_logo&quot;:&quot;5&quot;,&quot;style_logo&quot;:&quot;1&quot;,&quot;pagination&quot;:&quot;3&quot;,&quot;text_size&quot;:&quot;&quot;,&quot;hide_avatar&quot;:&quot;&quot;,&quot;hide_name&quot;:&quot;&quot;,&quot;header_hide_seeall&quot;:&quot;&quot;,&quot;header_hide_write&quot;:&quot;&quot;,&quot;disable_review_time&quot;:&quot;&quot;,&quot;disable_user_link&quot;:&quot;1&quot;,&quot;disable_google_link&quot;:&quot;&quot;,&quot;open_link&quot;:&quot;1&quot;,&quot;nofollow_link&quot;:&quot;1&quot;,&quot;lazy_load_img&quot;:&quot;1&quot;,&quot;time_format&quot;:&quot;&quot;,&quot;breakpoints&quot;:&quot;&quot;,&quot;reviewer_avatar_size&quot;:&quot;56&quot;,&quot;ajax_load&quot;:&quot;&quot;,&quot;v2&quot;:&quot;&quot;,&quot;trans&quot;:{&quot;read more&quot;:&quot;leer m\\u00e1s&quot;,&quot;review us on&quot;:&quot;danos tu opini\\u00f3n en&quot;,&quot;See all reviews&quot;:&quot;Ver todos los comentarios&quot;,&quot;More reviews&quot;:&quot;Siguientes&quot;,&quot;Response from the owner&quot;:&quot;Respuesta del propietario&quot;}}' data-exec=\"\"><div class=\"rpi-cnt rpi-col-m rpi-slider rpi-sh\" data-opts='{&quot;pagination&quot;:&quot;3&quot;,&quot;speed&quot;:5,&quot;autoplay&quot;:&quot;&quot;,&quot;wheelscroll&quot;:&quot;&quot;,&quot;mousestop&quot;:&quot;&quot;,&quot;clickstop&quot;:&quot;&quot;,&quot;swipe_step&quot;:&quot;&quot;,&quot;swipe_per_btn&quot;:&quot;&quot;,&quot;swipe_per_dot&quot;:&quot;&quot;,&quot;hide_dots&quot;:&quot;1&quot;}' style=\"visibility:var(--visible, hidden)\"><div class=\"rpi-header rpi-header_row rpi-header_pad\"><div class=\"rpi-cards\"><div class=\"rpi-card rpi-card_block\" data-provider=\"google,facebook\"><div class=\"rpi-card-inner rpi-flexwrap\"><span class=\"rpi-logos\"><span class=\"rpi-logo rpi-logo-google\"><\/span><span class=\"rpi-logo rpi-logo-facebook\"><\/span><\/span><div class=\"rpi-flex\"><div class=\"rpi-img-wrap\"><img decoding=\"async\" src=\"https:\/\/www.italiafideiussioni.it\/wp-content\/plugins\/business-reviews-bundle\/assets\/img\/gmblogo.svg\" class=\"rpi-img\" loading=\"lazy\" width=\"56\" height=\"56\" alt=\"Italiafideiussioni\" onerror=\"if(this.src!='')this.src='';\"\/><\/div><div class=\"rpi-info\"><div class=\"rpi-scale\">Excelente<\/div><span class=\"rpi-stars\" style=\"--rating:5.0\">5.0<\/span><div class=\"rpi-based\">Basado en 2005 opiniones<\/div><\/div><\/div><div class=\"rpi-slider-btn\"><div class=\"rpi-review_us rpi-clickable\"><a href=\"https:\/\/search.google.com\/local\/reviews?placeid=ChIJYVb-Y3JtiEcRhxdkRUYaFV8\" target=\"_blank\" rel=\"noopener\">Ver todos los comentarios<\/a><\/div><div class=\"rpi-review_us rpi-clickable\"><a href=\"https:\/\/search.google.com\/local\/writereview?placeid=ChIJYVb-Y3JtiEcRhxdkRUYaFV8\" class=\"rpi-logo_after rpi-logo-google\" target=\"_blank\" rel=\"noopener\" onclick=\"rpi.Utils.popup('https:\/\/search.google.com\/local\/writereview?placeid=ChIJYVb-Y3JtiEcRhxdkRUYaFV8', 800, 600)\">danos tu opini\u00f3n en<\/a><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"rpi-content rpi-content_row\"><button class=\"rpi-ltgt rpi-lt rpi-slider-prev\" aria-label=\"Previous reviews\" tabindex=\"0\"><\/button><div class=\"rpi-cards rpi-slides-bite\" data-offset=\"3\" data-count=\"258\"><div class=\"rpi-card\" data-provider=\"google\" data-rat=\"5\"><div class=\"rpi-card-inner\"><div class=\"rpi-flex\"><div class=\"rpi-img-wrap\"><img decoding=\"async\" src=\"https:\/\/lh3.googleusercontent.com\/a\/ACg8ocLtycFCkRdAG-Jf3OLw5kX6IC6K0MeHfMmH6WlMGEBU-W90RA=s56-c-rp-mo-br100\" class=\"rpi-img\" loading=\"lazy\" width=\"56\" height=\"56\" alt=\"\" onerror=\"if(this.src!='https:\/\/www.italiafideiussioni.it\/wp-content\/plugins\/business-reviews-bundle\/assets\/img\/google_avatar.png')this.src='https:\/\/www.italiafideiussioni.it\/wp-content\/plugins\/business-reviews-bundle\/assets\/img\/google_avatar.png';\"\/><\/div><div class=\"rpi-info\"><div class=\"rpi-name\">Nicola B.<\/div><div class=\"rpi-time\" data-time=\"1781628194000\">hace 15 horas<\/div><\/div><\/div><div class=\"rpi-body rpi-normal-up__body\"><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-text rpi-scroll\" tabindex=\"0\">Mi ha supportato la Sig.ra Betiel per una fideiussione a supporto di un visto turistico. Tutto perfetto.<\/div><\/div><\/div><\/div><div class=\"rpi-card\" data-provider=\"google\" data-rat=\"5\"><div class=\"rpi-card-inner\"><div class=\"rpi-flex\"><div class=\"rpi-img-wrap\"><img decoding=\"async\" src=\"https:\/\/lh3.googleusercontent.com\/a\/ACg8ocKfAHCjd2yaHxGLs4HteQ5jmi8Y1VOQCaOUGCDgpGmCUgzLXA=s56-c-rp-mo-br100\" class=\"rpi-img\" loading=\"lazy\" width=\"56\" height=\"56\" alt=\"\" onerror=\"if(this.src!='https:\/\/www.italiafideiussioni.it\/wp-content\/plugins\/business-reviews-bundle\/assets\/img\/google_avatar.png')this.src='https:\/\/www.italiafideiussioni.it\/wp-content\/plugins\/business-reviews-bundle\/assets\/img\/google_avatar.png';\"\/><\/div><div class=\"rpi-info\"><div class=\"rpi-name\">Ekaterina A.<\/div><div class=\"rpi-time\" data-time=\"1781620854000\">hace 17 horas<\/div><\/div><\/div><div class=\"rpi-body rpi-normal-up__body\"><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-text rpi-scroll\" tabindex=\"0\">Un ottimo servizio, non credevo che si potesse fare un documento in meno di 24 ore.\nSono stati velocissimi , professionali e gentili.\nGrazie mille )<\/div><\/div><\/div><\/div><div class=\"rpi-card\" data-provider=\"google\" data-rat=\"5\"><div class=\"rpi-card-inner\"><div class=\"rpi-flex\"><div class=\"rpi-img-wrap\"><img decoding=\"async\" src=\"https:\/\/lh3.googleusercontent.com\/a\/ACg8ocLayyZi4Gu3kOCYCmY4WEXp6YHPn8x04ypFiuPqLkX5aJ1ZUA=s56-c-rp-mo-br100\" class=\"rpi-img\" loading=\"lazy\" width=\"56\" height=\"56\" alt=\"\" onerror=\"if(this.src!='https:\/\/www.italiafideiussioni.it\/wp-content\/plugins\/business-reviews-bundle\/assets\/img\/google_avatar.png')this.src='https:\/\/www.italiafideiussioni.it\/wp-content\/plugins\/business-reviews-bundle\/assets\/img\/google_avatar.png';\"\/><\/div><div class=\"rpi-info\"><div class=\"rpi-name\">mohammad abu A.<\/div><div class=\"rpi-time\" data-time=\"1781507808000\">hace 2 d\u00edas<\/div><\/div><\/div><div class=\"rpi-body rpi-normal-up__body\"><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-text rpi-scroll\" tabindex=\"0\">Betiel \u00e8 una garanzia<\/div><\/div><\/div><\/div><\/div><button class=\"rpi-ltgt rpi-gt rpi-slider-next\" aria-label=\"Next reviews\" tabindex=\"0\"><\/button><\/div><\/div><script>(function(p){if(!p)return;let w=p.offsetWidth,m=function(a,b){return Math.min(a,b)===a};p.querySelector('.rpi-cnt').classList.replace('rpi-col-m','rpi-col-'+(m(w,510)?'xs':m(w,750)?'x':m(w,1050)?'s':m(w,1450)?'m':m(w,1800)?'l':'xl'))})(document.getElementById('rpi-3943-6a32491daa8b6'))<\/script><\/div>\n\n<\/div>\n\n<div class=\"gb-container gb-container-00885037 ifi-cta-box\">\n\n<p class=\"gb-headline gb-headline-89fdbb64 gb-headline-text\">Contattaci direttamente online per\u00a0<strong>ricevere una risposta immediata<\/strong>, <br \/>oppure\u00a0<a href=\"https:\/\/www.italiafideiussioni.it\/sedi\/\">chiama una delle nostre sedi<\/a>\u00a0pi\u00f9 vicine.\u00a0<br \/><br \/><strong>Tel.\u00a0\u00a0 <a href=\"tel:+39055285313\">+39 055 28.53.13<\/a> \u00a0 \u2013 \u00a0Tel. \u00a0<a href=\"tel:+390266712417\">+39 02 667.124.17<\/a><\/strong> <br \/><strong>Email :\u00a0<a href=\"mailto:info@italiafideiussioni.it\">info@italiafideiussioni.it<\/a><\/strong><\/p>\n\n\n\n<p class=\"gb-headline gb-headline-103b1480 gb-headline-text\">Puoi contattarci anche tramite \u00a0\u00a0<img decoding=\"async\" width=\"33\" height=\"32\" class=\"alignnone wp-image-1056\" src=\"https:\/\/www.italiafideiussioni.it\/wp-content\/uploads\/2015\/04\/WhatsApp_Logo_6.png\" alt=\"\"\/>\u00a0\u00a0<a data-type=\"link\" data-id=\"https:\/\/wa.me\/+393397150157\" href=\"https:\/\/wa.me\/+393397150157\" target=\"_blank\" rel=\"noreferrer noopener\">WhatsApp: +39 339 71.50.157<\/a> <br \/>manda un messaggio, ti risponderemo\u00a0<strong>entro 5 minuti in orario d&#8217;ufficio. <\/strong><\/p>\n\n<\/div>\n\n\n<h3 class=\"gb-headline gb-headline-770eab94 gb-headline-text\"><b><strong>2. Verificaci\u00f3n del intermediario distribuidor<\/strong><\/b><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si la p\u00f3liza ha sido propuesta por un <strong>br\u00f3ker, agente o intermediario<\/strong>, es necesario verificar su inscripci\u00f3n en el <strong>Registro \u00danico de Intermediarios (RUI)<\/strong>.<br \/>Este paso es fundamental porque un intermediario no inscrito no puede distribuir legalmente productos de seguros.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Accede al portal p\u00fablico del RUI:<a href=\"https:\/\/ruipubblico.ivass.it\/rui-pubblica\/ng\/#\/home\" target=\"_blank\" rel=\"noreferrer noopener\"> Registro RUI \u2013 IVASS<br \/><\/a><\/li>\n\n\n\n<li>Introduce el nombre o el c\u00f3digo identificativo del intermediario.<br \/><\/li>\n\n\n\n<li>Verifica que est\u00e9 <strong>activo<\/strong>, <strong>autorizado<\/strong> y que no figuren anotaciones de suspensi\u00f3n o revocaci\u00f3n.<br \/><\/li>\n\n\n\n<li>Comprueba que est\u00e9 habilitado para operar por cuenta de la compa\u00f1\u00eda emisora.<br \/><\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.ivass.it\/consumatori\/siti-imprese-intermediari\/index.html\" target=\"_blank\" rel=\"noreferrer noopener\">Si el intermediario no aparece inscrito o autorizado, la p\u00f3liza debe considerarse <strong>ilegal y no v\u00e1lida<\/strong>.<\/a><\/p>\n\n\n\n<h3 class=\"gb-headline gb-headline-d496b9f2 gb-headline-text\"><b><strong>3. Verificaci\u00f3n de la autenticidad de la p\u00f3liza<\/strong><\/b><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Una vez comprobada la legitimidad de la compa\u00f1\u00eda y del intermediario, hay que controlar que la <strong>p\u00f3liza sea aut\u00e9ntica<\/strong>.<br \/>Las verificaciones deben realizarse <strong>\u00fanicamente a trav\u00e9s de los canales telem\u00e1ticos oficiales declarados al IVASS<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Las principales modalidades son:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Verificaci\u00f3n a trav\u00e9s del sitio web oficial<\/strong>: muchas compa\u00f1\u00edas permiten introducir el n\u00famero de la p\u00f3liza y comprobar su validez en tiempo real.<br \/><\/li>\n\n\n\n<li><strong>Solicitud de confirmaci\u00f3n por PEC<\/strong>: env\u00eda una solicitud de verificaci\u00f3n a la direcci\u00f3n PEC indicada en las listas IVASS. La respuesta debe llegar en un plazo de 5 d\u00edas laborables.<br \/><\/li>\n\n\n\n<li><strong>Plataforma digital<\/strong>: algunas compa\u00f1\u00edas adoptan sistemas basados en blockchain o registros distribuidos para garantizar la trazabilidad y la autenticidad.<br \/><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Compara siempre los datos que figuran en la p\u00f3liza con los oficiales:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>denominaci\u00f3n y logotipo de la compa\u00f1\u00eda<br \/><\/li>\n\n\n\n<li>c\u00f3digo IVASS y ramo autorizado<br \/><\/li>\n\n\n\n<li>importe garantizado<br \/><\/li>\n\n\n\n<li>duraci\u00f3n, firma, c\u00f3digo QR o c\u00f3digo identificativo<br \/><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Si surgen discrepancias o elementos no verificables, la p\u00f3liza <strong>no debe aceptarse<\/strong>.<br \/>Consulta siempre la <a href=\"https:\/\/www.ivass.it\/consumatori\/proteggi\/ELENCO_AVVISI_CASI_DI_CONTRAFFAZIONE.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">secci\u00f3n \u201cAvisos de falsificaci\u00f3n\u201d del sitio IVASS<\/a> para comprobar la existencia de posibles alertas oficiales.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><b><strong>Consejos pr\u00e1cticos para evitar los fraudes<\/strong><\/b><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Realiza siempre las comprobaciones partiendo de fuentes oficiales: IVASS, Banca d\u2019Italia, EIOPA.<br \/><\/li>\n\n\n\n<li>No utilices datos de contacto ni enlaces encontrados en documentos sospechosos.<br \/><\/li>\n\n\n\n<li>Desconf\u00eda de ofertas demasiado econ\u00f3micas o de quien promete una emisi\u00f3n inmediata sin instrucci\u00f3n del expediente.<br \/><\/li>\n\n\n\n<li>En caso de dudas, contacta con IVASS en el n\u00famero gratuito <strong>800-486661<\/strong> o por PEC <strong>ivass@pec.ivass.it<\/strong>.<br \/><\/li>\n\n\n\n<li><a href=\"https:\/\/www.ivass.it\/consumatori\/proteggi\/ELENCO_AVVISI_CASI_DI_CONTRAFFAZIONE.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Denuncia con prontitud cualquier sospecha<\/a>: la colaboraci\u00f3n de los ciudadanos ayuda a prevenir estafas y falsificaciones.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><b><strong>Consecuencias de una p\u00f3liza falsa<\/strong><\/b><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Presentar una cauci\u00f3n falsificada conlleva graves consecuencias:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>exclusi\u00f3n autom\u00e1tica de licitaciones p\u00fablicas,<br \/><\/li>\n\n\n\n<li>p\u00e9rdida de la fianza provisional,<br \/><\/li>\n\n\n\n<li>denuncias penales por estafa o falsedad,<br \/><\/li>\n\n\n\n<li>da\u00f1os econ\u00f3micos y reputacionales dif\u00edciles de recuperar.<br \/><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Las Administraciones P\u00fablicas, en particular en los proyectos PNRR, est\u00e1n obligadas a verificar la validez de la garant\u00eda <strong>antes de la aceptaci\u00f3n<\/strong>, tal como establece la normativa vigente.<\/p>\n\n\n\n<h3 class=\"gb-headline gb-headline-2ef43886 gb-headline-text\"><b><strong>Conf\u00eda solo en la transparencia<\/strong><\/b><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Las verificaciones IVASS no son un mero tr\u00e1mite burocr\u00e1tico, sino una protecci\u00f3n concreta para empresas, profesionales y ciudadanos.<br \/>Controlar una p\u00f3liza antes de presentarla significa <strong>defenderse de fraudes, p\u00e9rdidas econ\u00f3micas y problemas legales<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Verifica, pregunta, compara y no aceptes nunca atajos.<br \/>Solo as\u00ed puedes tener la certeza de que tu garant\u00eda es <strong>v\u00e1lida, reconocida y segura<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Para asistencia o verificaci\u00f3n documental, en <strong>ItaliaFideiussioni.it<\/strong> encuentras apoyo y asesoramiento dedicado: verificamos juntos tu p\u00f3liza, de forma sencilla y transparente.<\/p>\n\n\n\n<h3 class=\"gb-headline gb-headline-879bcd9b gb-headline-text\"><b>Preguntas frecuentes sobre la nulidad de la cl\u00e1usula \u201ca primer requerimiento\u201d<\/b><\/h3>\n\n\n<div class=\"gb-container gb-container-715be5ab ifi-cta-box\">\n<style>.wp-block-kadence-advancedheading.kt-adv-heading5804_fb49fc-83, .wp-block-kadence-advancedheading.kt-adv-heading5804_fb49fc-83[data-kb-block=\"kb-adv-heading5804_fb49fc-83\"]{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);text-align:center;font-size:20px;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading5804_fb49fc-83 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading5804_fb49fc-83[data-kb-block=\"kb-adv-heading5804_fb49fc-83\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading5804_fb49fc-83 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading5804_fb49fc-83[data-kb-block=\"kb-adv-heading5804_fb49fc-83\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<div class=\"kt-adv-heading5804_fb49fc-83 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading5804_fb49fc-83\">Le <a href=\"https:\/\/www.italiafideiussioni.it\/testimonianze\/\">recensioni positive dei nostri clienti<\/a> sono la prova tangibile della nostra eccellenza. <br \/>Scopri cosa dicono le persone che hanno provato i nostri servizi.<\/div>\n\n\n<div id=\"rpi-3943-6a32491f61593\" class=\"rpi\" style=\"\" data-id=\"3943\" data-opts='{&quot;layout&quot;:&quot;slider&quot;,&quot;style_style&quot;:&quot;1&quot;,&quot;style_stars&quot;:&quot;4&quot;,&quot;style_ava&quot;:&quot;1&quot;,&quot;head_logo&quot;:&quot;5&quot;,&quot;style_logo&quot;:&quot;1&quot;,&quot;pagination&quot;:&quot;3&quot;,&quot;text_size&quot;:&quot;&quot;,&quot;hide_avatar&quot;:&quot;&quot;,&quot;hide_name&quot;:&quot;&quot;,&quot;header_hide_seeall&quot;:&quot;&quot;,&quot;header_hide_write&quot;:&quot;&quot;,&quot;disable_review_time&quot;:&quot;&quot;,&quot;disable_user_link&quot;:&quot;1&quot;,&quot;disable_google_link&quot;:&quot;&quot;,&quot;open_link&quot;:&quot;1&quot;,&quot;nofollow_link&quot;:&quot;1&quot;,&quot;lazy_load_img&quot;:&quot;1&quot;,&quot;time_format&quot;:&quot;&quot;,&quot;breakpoints&quot;:&quot;&quot;,&quot;reviewer_avatar_size&quot;:&quot;56&quot;,&quot;ajax_load&quot;:&quot;&quot;,&quot;v2&quot;:&quot;&quot;,&quot;trans&quot;:{&quot;read more&quot;:&quot;leer m\\u00e1s&quot;,&quot;review us on&quot;:&quot;danos tu opini\\u00f3n en&quot;,&quot;See all reviews&quot;:&quot;Ver todos los comentarios&quot;,&quot;More reviews&quot;:&quot;Siguientes&quot;,&quot;Response from the owner&quot;:&quot;Respuesta del propietario&quot;}}' data-exec=\"\"><div class=\"rpi-cnt rpi-col-m rpi-slider rpi-sh\" data-opts='{&quot;pagination&quot;:&quot;3&quot;,&quot;speed&quot;:5,&quot;autoplay&quot;:&quot;&quot;,&quot;wheelscroll&quot;:&quot;&quot;,&quot;mousestop&quot;:&quot;&quot;,&quot;clickstop&quot;:&quot;&quot;,&quot;swipe_step&quot;:&quot;&quot;,&quot;swipe_per_btn&quot;:&quot;&quot;,&quot;swipe_per_dot&quot;:&quot;&quot;,&quot;hide_dots&quot;:&quot;1&quot;}' style=\"visibility:var(--visible, hidden)\"><div class=\"rpi-header rpi-header_row rpi-header_pad\"><div class=\"rpi-cards\"><div class=\"rpi-card rpi-card_block\" data-provider=\"google,facebook\"><div class=\"rpi-card-inner rpi-flexwrap\"><span class=\"rpi-logos\"><span class=\"rpi-logo rpi-logo-google\"><\/span><span class=\"rpi-logo rpi-logo-facebook\"><\/span><\/span><div class=\"rpi-flex\"><div class=\"rpi-img-wrap\"><img decoding=\"async\" src=\"https:\/\/www.italiafideiussioni.it\/wp-content\/plugins\/business-reviews-bundle\/assets\/img\/gmblogo.svg\" class=\"rpi-img\" loading=\"lazy\" width=\"56\" height=\"56\" alt=\"Italiafideiussioni\" onerror=\"if(this.src!='')this.src='';\"\/><\/div><div class=\"rpi-info\"><div class=\"rpi-scale\">Excelente<\/div><span class=\"rpi-stars\" style=\"--rating:5.0\">5.0<\/span><div class=\"rpi-based\">Basado en 2005 opiniones<\/div><\/div><\/div><div class=\"rpi-slider-btn\"><div class=\"rpi-review_us rpi-clickable\"><a href=\"https:\/\/search.google.com\/local\/reviews?placeid=ChIJYVb-Y3JtiEcRhxdkRUYaFV8\" target=\"_blank\" rel=\"noopener\">Ver todos los comentarios<\/a><\/div><div class=\"rpi-review_us rpi-clickable\"><a href=\"https:\/\/search.google.com\/local\/writereview?placeid=ChIJYVb-Y3JtiEcRhxdkRUYaFV8\" class=\"rpi-logo_after rpi-logo-google\" target=\"_blank\" rel=\"noopener\" onclick=\"rpi.Utils.popup('https:\/\/search.google.com\/local\/writereview?placeid=ChIJYVb-Y3JtiEcRhxdkRUYaFV8', 800, 600)\">danos tu opini\u00f3n en<\/a><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"rpi-content rpi-content_row\"><button class=\"rpi-ltgt rpi-lt rpi-slider-prev\" aria-label=\"Previous reviews\" tabindex=\"0\"><\/button><div class=\"rpi-cards rpi-slides-bite\" data-offset=\"3\" data-count=\"258\"><div class=\"rpi-card\" data-provider=\"google\" data-rat=\"5\"><div class=\"rpi-card-inner\"><div class=\"rpi-flex\"><div class=\"rpi-img-wrap\"><img decoding=\"async\" src=\"https:\/\/lh3.googleusercontent.com\/a\/ACg8ocLtycFCkRdAG-Jf3OLw5kX6IC6K0MeHfMmH6WlMGEBU-W90RA=s56-c-rp-mo-br100\" class=\"rpi-img\" loading=\"lazy\" width=\"56\" height=\"56\" alt=\"\" onerror=\"if(this.src!='https:\/\/www.italiafideiussioni.it\/wp-content\/plugins\/business-reviews-bundle\/assets\/img\/google_avatar.png')this.src='https:\/\/www.italiafideiussioni.it\/wp-content\/plugins\/business-reviews-bundle\/assets\/img\/google_avatar.png';\"\/><\/div><div class=\"rpi-info\"><div class=\"rpi-name\">Nicola B.<\/div><div class=\"rpi-time\" data-time=\"1781628194000\">hace 15 horas<\/div><\/div><\/div><div class=\"rpi-body rpi-normal-up__body\"><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-text rpi-scroll\" tabindex=\"0\">Mi ha supportato la Sig.ra Betiel per una fideiussione a supporto di un visto turistico. Tutto perfetto.<\/div><\/div><\/div><\/div><div class=\"rpi-card\" data-provider=\"google\" data-rat=\"5\"><div class=\"rpi-card-inner\"><div class=\"rpi-flex\"><div class=\"rpi-img-wrap\"><img decoding=\"async\" src=\"https:\/\/lh3.googleusercontent.com\/a\/ACg8ocKfAHCjd2yaHxGLs4HteQ5jmi8Y1VOQCaOUGCDgpGmCUgzLXA=s56-c-rp-mo-br100\" class=\"rpi-img\" loading=\"lazy\" width=\"56\" height=\"56\" alt=\"\" onerror=\"if(this.src!='https:\/\/www.italiafideiussioni.it\/wp-content\/plugins\/business-reviews-bundle\/assets\/img\/google_avatar.png')this.src='https:\/\/www.italiafideiussioni.it\/wp-content\/plugins\/business-reviews-bundle\/assets\/img\/google_avatar.png';\"\/><\/div><div class=\"rpi-info\"><div class=\"rpi-name\">Ekaterina A.<\/div><div class=\"rpi-time\" data-time=\"1781620854000\">hace 17 horas<\/div><\/div><\/div><div class=\"rpi-body rpi-normal-up__body\"><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-text rpi-scroll\" tabindex=\"0\">Un ottimo servizio, non credevo che si potesse fare un documento in meno di 24 ore.\nSono stati velocissimi , professionali e gentili.\nGrazie mille )<\/div><\/div><\/div><\/div><div class=\"rpi-card\" data-provider=\"google\" data-rat=\"5\"><div class=\"rpi-card-inner\"><div class=\"rpi-flex\"><div class=\"rpi-img-wrap\"><img decoding=\"async\" src=\"https:\/\/lh3.googleusercontent.com\/a\/ACg8ocLayyZi4Gu3kOCYCmY4WEXp6YHPn8x04ypFiuPqLkX5aJ1ZUA=s56-c-rp-mo-br100\" class=\"rpi-img\" loading=\"lazy\" width=\"56\" height=\"56\" alt=\"\" onerror=\"if(this.src!='https:\/\/www.italiafideiussioni.it\/wp-content\/plugins\/business-reviews-bundle\/assets\/img\/google_avatar.png')this.src='https:\/\/www.italiafideiussioni.it\/wp-content\/plugins\/business-reviews-bundle\/assets\/img\/google_avatar.png';\"\/><\/div><div class=\"rpi-info\"><div class=\"rpi-name\">mohammad abu A.<\/div><div class=\"rpi-time\" data-time=\"1781507808000\">hace 2 d\u00edas<\/div><\/div><\/div><div class=\"rpi-body rpi-normal-up__body\"><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-text rpi-scroll\" tabindex=\"0\">Betiel \u00e8 una garanzia<\/div><\/div><\/div><\/div><\/div><button class=\"rpi-ltgt rpi-gt rpi-slider-next\" aria-label=\"Next reviews\" tabindex=\"0\"><\/button><\/div><\/div><script>(function(p){if(!p)return;let w=p.offsetWidth,m=function(a,b){return Math.min(a,b)===a};p.querySelector('.rpi-cnt').classList.replace('rpi-col-m','rpi-col-'+(m(w,510)?'xs':m(w,750)?'x':m(w,1050)?'s':m(w,1450)?'m':m(w,1800)?'l':'xl'))})(document.getElementById('rpi-3943-6a32491f61593'))<\/script><\/div>\n\n<\/div>\n\n<div class=\"gb-container gb-container-00885037 ifi-cta-box\">\n\n<p class=\"gb-headline gb-headline-89fdbb64 gb-headline-text\">Contattaci direttamente online per\u00a0<strong>ricevere una risposta immediata<\/strong>, <br \/>oppure\u00a0<a href=\"https:\/\/www.italiafideiussioni.it\/sedi\/\">chiama una delle nostre sedi<\/a>\u00a0pi\u00f9 vicine.\u00a0<br \/><br \/><strong>Tel.\u00a0\u00a0 <a href=\"tel:+39055285313\">+39 055 28.53.13<\/a> \u00a0 \u2013 \u00a0Tel. \u00a0<a href=\"tel:+390266712417\">+39 02 667.124.17<\/a><\/strong> <br \/><strong>Email :\u00a0<a href=\"mailto:info@italiafideiussioni.it\">info@italiafideiussioni.it<\/a><\/strong><\/p>\n\n\n\n<p class=\"gb-headline gb-headline-103b1480 gb-headline-text\">Puoi contattarci anche tramite \u00a0\u00a0<img decoding=\"async\" width=\"33\" height=\"32\" class=\"alignnone wp-image-1056\" src=\"https:\/\/www.italiafideiussioni.it\/wp-content\/uploads\/2015\/04\/WhatsApp_Logo_6.png\" alt=\"\"\/>\u00a0\u00a0<a data-type=\"link\" data-id=\"https:\/\/wa.me\/+393397150157\" href=\"https:\/\/wa.me\/+393397150157\" target=\"_blank\" rel=\"noreferrer noopener\">WhatsApp: +39 339 71.50.157<\/a> <br \/>manda un messaggio, ti risponderemo\u00a0<strong>entro 5 minuti in orario d&#8217;ufficio. <\/strong><\/p>\n\n<\/div>","protected":false},"excerpt":{"rendered":"<p>An\u00e1lisis en profundidad de las verificaciones IVASS para cauciones y p\u00f3lizas de seguro Las verificaciones realizadas a trav\u00e9s de IVASS (Instituto para la Supervisi\u00f3n de los Seguros) son una herramienta esencial para comprobar la validez y autenticidad de una cauci\u00f3n o de una p\u00f3liza de seguro.Hoy m\u00e1s que nunca, este control resulta indispensable, sobre todo [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":11601,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"","_yoast_wpseo_opengraph-title":"","_yoast_wpseo_opengraph-description":"","_yoast_wpseo_opengraph-image":"","_yoast_wpseo_opengraph-image-id":"","_yoast_wpseo_twitter-title":"","_yoast_wpseo_twitter-description":"","_yoast_wpseo_twitter-image":"","footnotes":""},"categories":[128],"tags":[],"class_list":["post-11590","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticias-es"],"acf":false,"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Verificaciones IVASS: cauciones y p\u00f3lizas | Gu\u00eda 2025<\/title>\n<meta name=\"description\" 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