Please contact the helpline number provided by your car insurance; they will facilitate the arrangement of repairs with a specialized garage.

Currently, most golf courses require proof of third-party liability insurance.

To operate a buggy on public roads, it is essential for the vehicle to possess a license plate, functioning lights, direction indicators, and a horn. Furthermore, the buggy must receive official approval for road usage, applicable not only to main thoroughfares but also to roads within residential estates. Failure to meet these requirements constitutes an offence, and any associated insurance coverage will be rendered invalid.

We include a green card with every policy.

You may contact the 24-hour helpline provided in your insurance policy, which offers a dedicated service to assist you in appealing any fines or sanctions.

In most cases, car insurance policies provide a replacement car for up to 35 days but this is not always the case and you should confirm this when taking out your policy.

Please provide us with the full names, dates of birth, and a copy of the driving licenses for your children. For a small additional fee, we will facilitate the inclusion of your children on your policy during their stay with you.

When you submit a claim under your policy for which you bear responsibility, any repairs to your vehicle will be subject to a €300 deductible. For instance, if the total cost to repair your vehicle amounts to €2,800, the insurer will compensate you with €2,500.
Conversely, if the claim arises from the fault of a third party and their insurer acknowledges liability, your vehicle will be repaired at no additional expense to you.
However, should the third party’s insurer dispute liability or fail to respond, you will be required to report the claim under your own policy (provided you possess comprehensive coverage) and pay the €300 deductible.

To ensure safety and protection for everyone on the road, it is important for all vehicles to carry at least third party liability insurance.

Most insurance policies in Spain are subject to automatic renewal on an annual basis. We will provide you with timely notification prior to the renewal date of your premium for the subsequent year. In instances where you have procured insurance from an insurer that does not facilitate automatic renewal, we will inform you well in advance of the renewal date and will present you with the renewal terms.

To ensure a smooth process, please gather the original vehicle registration documents, referred to in Spain as the “permiso de circulación” and “ficha técnica”. Additionally, you will need your original driving license and the receipt for your current insurance payment. If you have chosen to pay your insurance premium through direct debit, your bank will typically send this receipt. If you do not receive it, we recommend reaching out to your bank to request a copy. Alternatively, you may contact us directly, and we would be happy to assist you by providing a duplicate receipt. Taking these steps will help streamline your documentation process.

The policies regarding eligible drivers may vary between insurers; however, it is generally accepted that any individual over the age of 27, who possesses a valid driving license for a minimum of two years and has received authorization from the vehicle owner is permitted to operate the vehicle. It is important to notify us if you intend for anyone under this age to drive the vehicle.

We are pleased to acknowledge your entitlement to a no-claims bonus from your previous insurer, including providers based overseas. To facilitate this process, we kindly request that you provide certification of the discount you received. Yes, we are happy to respect your no-claims bonus entitlement that you enjoyed with your previous insurer (even in the case of overseas insurers). All you need to do is have the discount you enjoyed certified by them.

In the event that the damage to your vehicle is so extensive that repair is not feasible, the insurance company will provide a settlement proposal based on the vehicle’s replacement value prior to the loss. A vehicle is classified as irreparable when the cost of repairs exceeds 80-85% of its value.

Please report the theft to the police and obtain a police report. Once you have acquired this report, kindly submit it to us. Subsequently, we will request that you provide the following documentation:
1. The original documentation for the vehicle.
2. Spare keys for the vehicle.
3. A photocopy of the most recent payment receipt for the road tax.
4. A photocopy of your identity card.
5. A completed vehicle purchase contract.
6. The application for the transfer of the vehicle.
7. The application for deregistration.
8. The standard police questionnaire.
Thank you for your cooperation in this matter.

Please report the theft to the police and obtain a police report. Once you have acquired this report, kindly submit it to us. Subsequently, we will request that you provide the following documentation:
1. The original documentation for the vehicle.
2. Spare keys for the vehicle.
3. A photocopy of the most recent payment receipt for the road tax.
4. A photocopy of your identity card.
In the event that your vehicle sustains damage, we will promptly arrange for a qualified expert to conduct an inspection at a garage of your choosing. The timing of this inspection and the authorization of repairs will be contingent upon the type of coverage you have selected. Should the accident result from the actions of a third party, we will immediately notify the insurance company associated with the other vehicle involved.6. The application for the transfer of the vehicle.
7. The application for deregistration.
8. The standard police questionnaire.
Thank you for your cooperation in this matter.

To begin your insurance claim after an accident, you’ll need to fill out the European Accident Report form that comes with your insurance policy. Try to complete this form as thoroughly as you can and make sure both you and the other party sign it, but only if you both agree with everything that is written on it. Filling out the form correctly can help speed up how quickly we can process your claim. After you’ve completed the form, please send it to us right away so we can start working on your claim.
If your car can’t be driven due to the accident, please use the assistance phone number found in your insurance documents. This number will connect you to people who can arrange for a tow truck to take your car to a garage that works for you.

When dealing with claims, the steps to take can vary based on the situation. Here are some general guidelines to keep in mind:

When dealing with claims, the steps to take can vary based on the situation. Here are some
general guidelines to keep in mind:
**For Damage to Your Own Boat:**
1. Do what you can to stop any further damage.
2. Get an estimate for how much it will cost to fix the damage.
3. Keep any damaged items, as they may need to be looked at by a claims inspector.
**If Someone Else Caused the Damage:**
1. Collect all the information about the other person or boat involved. This includes their name,
address, and details about the boat and its owner (if different). Make sure to get their insurance
company’s name and policy number too.
2. If there were any witnesses to the incident, get their contact information.
**If You Caused Damage to Someone Else:**
1. If a third party claims that you damaged their property, provide them with your insurance details,
but **do not admit fault** or offer to pay for anything.
2. If you hear from the other party, please send their messages to us right away.
**For Theft or Vandalism:**
1. Report the incident to the police as quickly as possible and share a copy of the police report with
us, along with a completed accident report form.
2. Also, notify the control tower at the port where the theft occurred.
Following these steps can help make the process smoother for everyone involved.

Contact us by telephone or email regarding the incident and send us a marine casualty report that
includes all the details about what happened.

Feel free to contact us at any time, and we will be happy to provide you with updates on the status of your claim and how it is being handled.

When reporting a claim, the specific information needed can differ based on the type of claim you’re making. It’s crucial to report the claim as soon as you notice the issue and to provide any relevant documentation you have. This helps ensure the process goes as smoothly as possible, regardless of the circumstances.

Some useful tips
• If you experience a loss or need to make a claim, it’s important to treat the situation as if you didn’t have insurance. This doesn’t mean your insurance won’t help; rather, it encourages you to take every possible step to lessen the impact of the loss and keep costs down.
• Please avoid making any permanent repairs or using damaged items until a representative from your insurance company has a chance to come and assess the situation.
• Filing a claim can be stressful and challenging, and there are no true winners in such situations. Our goal is to help you resolve your claim as smoothly and quickly as we can, minimizing any disruptions to your life. To do this, we need your cooperation.
• Make sure to let us know about any incident that could lead to a claim as soon as possible.
• Insurance companies regularly review their processes, so it’s crucial to fill out all paperwork accurately when reporting a claim. If you pay for any repairs or replacements due to the claim, please keep all receipts, as we’ll need them for our records.

When you insure a building, it’s important to make sure that the insurance coverage matches the total cost needed to rebuild it, not including the land itself. For the items inside your building, like furniture and appliances, the insurance should cover the cost of replacing them with new ones.

There isn’t one clear answer since every case can be different. However, from our experience, community insurance policies usually don’t cover private plumbing, and the insured amounts tend to be too low, which can lead to disputes when filing a claim. Additionally, the policy generally only protects the “original” home as it was received from the builder. As a result, any improvements made to the property—like security systems, grilles, sun awnings, and so on—will NOT be protected by the
community policy. Therefore, we suggest that the client add a first-risk building insurance policy for a property worth at least €20,000.

When getting a mortgage, your bank might require you to take out home insurance and make them a part of the policy. However, the bank shouldn”t force you to buy their insurance. In fact, we suggest that you avoid getting insurance through the bank because they often don’t prioritize your needs and can leave you in a tough spot once they sell you the policy. If you ever need to make a claim, you might have to navigate complicated phone systems, which can be frustrating. Plus, you can often find better deals and more personalized service by working with an insurance broker.

Just reach out to us and share the details of your claim. We’ll handle the rest for you. Depending on what the claim is about, we’ll do our best to send someone with expertise to help fix the issue within 24 hours of getting your call. Please remember, this needs to be supported by any necessary documents.

The coverage for your jewellery varies depending on your insurance policy. Generally, many policies may cover up to 15% of the total value of your belongings for jewellery, with a maximum limit of €3,000. However, it’s important to check with us and provide a list of your jewellery. In Spain, most insurance policies only cover jewellery against specific risks that might happen in your home, meaning that any coverage outside your home is usually very limited. However, there are a limited number of insurers who do offer “all risks” coverage. If you prefer this option, we can help arrange it for you.

As long as your insured amount is correct, you will get reimbursed for any loss based on its new replacement value. Be sure to check your policy for any exceptions.

Accidental damage can happen in many ways. For example, a cigarette can leave burns on carpets, fragile items can break if they fall, and objects can get smashed if shelves fall down. These are just a few common examples of accidental damage.

This part of the policy is designed to protect you from claims made by others if you accidentally cause them harm or damage their belongings. It covers situations where you or your property might be at fault, whether through an action you took or something you failed to do.

It really depends on the insurance policy you have. Many of our policies allow you to use up to 25% of the total amount you’re insured for to cover valuable items like artwork, antiques, carpets, and collectibles. Each individual item can have a maximum limit of €6,000. To make sure you’re fully protected, we suggest contacting us and providing a list of your valuable items.

If you’ve lost something important, it’s a good idea to contact the police. Let them know what you’ve lost and give them a list of the missing items. They will create a report for you. After that, make sure to contact us to open the corresponding claim for you.

This question can be tricky because it really depends on how you feel about registering claims and whether your policy has an excess (the amount you must pay before your insurance kicks in). If the cost of your claim is actually lower than the deductible, it usually doesn’t make sense to file that claim.

Many of the insurance plans we offer come with a 24-hour helpline that you can call to help with your claim. They will also set up a visit from a qualified professional to provide the repairs or assistance you need. Acting quickly can help lessen the effects of the situation and make the claims process faster. That’s why we suggest you take advantage of this service.

Please give us a call at our office. We’ll help you find out if the incident is covered by your policy and guide you on what to do next.

When insuring buildings, it’s important to set the coverage amount based on how much it would actually cost to rebuild them from scratch. To figure this out, knowing the total area of the building in square meters can be very helpful.

We can provide options for making your premium payments twice a year or even every three months.

Many communities struggle with certain challenges, and these problems can get worse during tough economic times, especially in areas where homes are still unsold. One solution that can really benefit these communities is having a legal support system in place. This would allow the community to take legal action against people who owe money, helping to protect their interests and improve the situation for everyone.

Most of the communities own a content which includes the furniture of the common areas, fire extinguishers, a porter’s lodge, community cleaning, maintenance and landscaping elements, etc. …. These should be valued as new in case of replacement.

If you would like to cancel your policy, please send us a brief message via email. Include your policy number, the reason for cancellation, and a copy of your passport. We will process your request promptly. Keep in mind that Spanish policies often have a clause requiring written notice at least one month before the end of the current insurance period if you, as the policyholder, wish to object to the extension. If the insurer is the one objecting, two months’ notice is typically required.

In Spain, most insurance plans renew automatically every year. We will reach out to you ahead of time to remind you about your premium for the next year. If your insurance is with a company that doesn’t automatically renew, we’ll also contact you in advance to explain the renewal process and provide the updated terms.

Feel free to contact us via email and we’ll promptly send you the information you need.

In Spain, when you take out a new insurance policy you receive a copy of the policy schedule and wording. After that, you typically only receive a receipt when you make a payment for the insurance, rather than getting new documents each time.

Yes, however, all insurance companies have a period of time you need to wait before certain benefits start. It’s a good idea to check with us, as this waiting period can be different for each company.

Different insurance companies have different rules, but usually, you can get coverage even if you have a pre-existing condition. However, there might be some limits or exclusions related to that condition, meaning that some treatments could be denied. It’s really important not to cancel your current health insurance until you fully understand what limitations your new insurance might have.

Typically, insurance plans will pay for medications and bandages while you are in the hospital or visiting a doctor. However, they usually do not cover costs for medicines or supplies you buy outside of those settings.

After the company gets all the required documents for the claim, it usually processes the payment within 10 days.

The cost depends on a number of factors, but private health insurance is available for as little as €1 per day.

We will set up a meeting with you to talk about your needs and make sure we understand them fully.

You will need to fill out a health questionnaire that asks about your current health. It’s very important to answer all the questions honestly and accurately, as this could help avoid issues later if you need to make a claim.

Each insurance plan is a bit different, but generally, the plans we suggest will cover the cost of delivery and also the check-ups you have during pregnancy.

As you get older, the cost of your private health insurance will likely go up because you are more likely to need medical care.

Yes, we are fully licensed and regulated by the Directorate General of Insurance. Our licence number is CS-J/145. We have our own Professional Liability Insurance, with a limit of 3.000.000€.

Send us an email stating your policy number, the reason why you want to cancel the policy and a copy of your passport. However, please note that in the case of the risk still existing, most Spanish policies include a clause whereby the parties may only object to the extension of the contract by giving written notice to the other party at least one month before the end of the current insurance period when the party objecting to the extension is the policyholder.

Visit the claims section of our website to read the instructions.

Most Spanish policies are automatically renewed each year. We will notify you well in advance of the renewal date of your premium for the following year. If you have taken out insurance with an insurer that does NOT renew automatically, we will write to you well in advance of the renewal date and send you the renewal terms.

Send us an email stating your change in circumstances. We will immediately follow your instructions to send you the corresponding documentation.