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  <!-- Portada (es) + versiones ca/en/gl -->
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    <loc>https://trebiaseguros.com/</loc>
    <lastmod>2026-09-27</lastmod>
    <changefreq>weekly</changefreq>
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    <loc>https://trebiaseguros.com/ca/</loc>
    <lastmod>2026-09-27</lastmod>
    <priority>0.8</priority>
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    <lastmod>2026-09-27</lastmod>
    <priority>0.8</priority>
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    <lastmod>2026-09-27</lastmod>
    <priority>0.8</priority>
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  <!-- Patrimonial (es) + versiones ca/en/gl -->
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    <loc>https://trebiaseguros.com/patrimonial/</loc>
    <lastmod>2026-09-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://trebiaseguros.com/ca/patrimonial/</loc>
    <lastmod>2026-09-27</lastmod>
    <priority>0.7</priority>
    <xhtml:link rel="alternate" hreflang="es" href="https://trebiaseguros.com/patrimonial/"/>
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  <url>
    <loc>https://trebiaseguros.com/en/patrimonial/</loc>
    <lastmod>2026-09-27</lastmod>
    <priority>0.7</priority>
    <xhtml:link rel="alternate" hreflang="es" href="https://trebiaseguros.com/patrimonial/"/>
    <xhtml:link rel="alternate" hreflang="ca" href="https://trebiaseguros.com/ca/patrimonial/"/>
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  <url>
    <loc>https://trebiaseguros.com/gl/patrimonial/</loc>
    <lastmod>2026-09-27</lastmod>
    <priority>0.7</priority>
    <xhtml:link rel="alternate" hreflang="es" href="https://trebiaseguros.com/patrimonial/"/>
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    <xhtml:link rel="alternate" hreflang="x-default" href="https://trebiaseguros.com/patrimonial/"/>
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  <!-- Ciber -->
  <url>
    <loc>https://trebiaseguros.com/ciber/</loc>
    <lastmod>2026-09-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://trebiaseguros.com/ciber/calculadora/</loc>
    <lastmod>2026-09-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://trebiaseguros.com/ciber/chequeo/</loc>
    <lastmod>2026-09-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Formación -->
  <url>
    <loc>https://trebiaseguros.com/formacion/</loc>
    <lastmod>2026-09-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://trebiaseguros.com/formacion/ciber/</loc>
    <lastmod>2026-09-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://trebiaseguros.com/formacion/claude/</loc>
    <lastmod>2026-09-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://trebiaseguros.com/formacion/transportes/</loc>
    <lastmod>2026-09-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Páginas legales -->
  <url>
    <loc>https://trebiaseguros.com/aviso-legal.html</loc>
    <lastmod>2026-09-27</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://trebiaseguros.com/politica-de-privacidad.html</loc>
    <lastmod>2026-09-27</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://trebiaseguros.com/politica-de-cookies.html</loc>
    <lastmod>2026-09-27</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://trebiaseguros.com/politica-afectados-siniestro.html</loc>
    <lastmod>2026-09-27</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://trebiaseguros.com/politica-asegurados-beneficiarios.html</loc>
    <lastmod>2026-09-27</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://trebiaseguros.com/politica-privacidad-cotizacion-seguro.html</loc>
    <lastmod>2026-09-27</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
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