contents insurance spain
Comprehensive cover for House and Contents
- Home assistance, 24 hours a day, 365 days a year.
- Your goods will be insured on a “value as new” basis.
- Index-linked insured sums to ensure that the sums do not become outdated and that, in the event of a claim, you receive the adequate indemnity payment.
- Discounts for security measures.
- Discounts based on the amount of the sums insured.
- Option of paying by instalments.
- Fire, explosion, smoke, lightning and electrical damage, including damage to boilers, heaters, heating pipes and other permanent installations.
- Water damage and material losses due to leaks and overflows, damage caused by water coming in from other homes and damage arising as a result of failure to shut off faucets and taps. This cover includes the expense of locating the problem, and the repair or replacement of the part that caused the damage.
- Perils due to forces of nature (weather phenomena).
- Flooding caused by water moving over the ground as a result of rainfall.
- Acts of vandalism and malicious damage caused by individuals or groups.
- Broken glass, windscreens, mirrors, windows, ceramic bathroom fittings, marble, granite and glass-ceramic hobs. Includes transportation and installation expenses.
- Theft with violence, mugging or theft with intimidation and mysterious disappearance:
- Cash is guaranteed on a first-loss basis up to €300 per claim.
- Mysterious disappearance, up to 25% of the total contents sum insured, with a limit of up to €3,000 per claim and year. The mysterious disappearance of objects of special value, gems and jewellery is guaranteed on a first loss basis up to €300 per claim.
- Mugging, insured on a first-loss basis up to €1,200 per claim, with a sub-limit of €300 for cash, even when multiple insured parties are affected.
- Credit card fraud, insured on a first-loss basis up to €600 per claim and year.
- Lock replacement expenses in the event of theft with violence.
