Home insurance services with Insurance Cover Spain
Our home insurance covers are next to none, offering much more than the basic covers that you might expect such as water damage, reconstructions, and theft.
Our covers come in a wide variety, with many additional extras that you won’t find anywhere else. Naturally, we, here at Insurance Cover Spain, are here to guide and assess. For that reason, we can custom-build your policy to meet your personal preferences, budget, and needs, even including some of the more valuable items you may have such as jewellery.
We want you to feel safe and secure should you find yourself in a situation where you require our help. Our teams are fast acting and efficient, they can help you through any problem you might be having at home. If you require a locksmith, a plumber, an electrician or even a glazier, we’ve got you covered, all in one place, without all the fuss and hassle.
Our expat department gives you access to all this, with special offers and discounts only available to you, in your language to top it off. That’s not just with our sales team, our expat program gives you access to everything in your language of choice, including our policies, supporting documents and our customer service / claims departments. This means that you will never have to worry about being understood, especially in moments of stress where you may need our assistance.
We want you to feel at home with us, where you are safe and happy knowing that no matter what may happen, you have someone on your team to help. That’s the most important thing to us, after all.
2. You need to be aware of your current policy’s renewal date.
Your policy renews annually automatically, unless cancelled by you. Normally, you cancel by visiting your bank with a cancellation letter (which we can supply if needed), or by posting it to the bank’s central department, the latter being a slower option in our opinion.
Notice of cancellation must be supplied at least 30 days prior to the renewal date of your current policy, if you give notice less than thirty days before your policy is due to renew, you may have trouble getting the bank to honour the cancellation, so checking in advance is paramount.
3. You need to tell your bank about your new policy.
If you are tied into your mortgage still, you are required to provide the bank with the details, conditions, and documentation of your new home insurance cover with us, as the previously mentioned legal requirement demands.
It’s also worth checking if you should name your bank, with whom your property is mortgaged, as the beneficiary of the policy. This sounds strange and is indeed a legal grey area which is the cause of much confusion and legal dispute. According to the law, this is not a legal requirement, but some banks still seem to insist upon it. What this means is that should something occur to your home that would result in a pay-out from your insurance, the beneficiary of the payments would be your bank, rather than yourself.
4. Make sure your new policy’s starting date is the same day that your old policy ends.
This is actually a blanket recommendation for any insurance policy you may be switching to us. It stands to reason that you don’t want to find yourself in an insurance ‘no-man’s-land’, where for a brief period, you find yourself without cover due to your previous policy having ended, and your new policy not having started yet.
We recommend starting your new policy on the day that your old one ends, as these tend to start and finish unilaterally at 12am of the specified date. This means that if your old policy ends on the 23rd of January, for example, it will effectively end at 00:00 on the 23rd. By starting your new policy with us on the 23rd of January, ours would take effect at 00:00 on the 23rd, thus ensuring you do not end up in an uninsured period, however brief it may be.