other insurance policies in spain
Other Services Offered:
LIFE INSURANCE
Life insurance ensures greater peace of mind for you and your loved ones. We have a full range of coverage so that no matter what happens, you and your loved ones will be completely protected.
- Risk of accidents, including transport.
- Disability.
- Serious illness.
- Death.
Optional Covers
- Additional cover in case of Death by accident.
- Additional cover in case of Death by traffic accident.
- Total and permanent disability.
- Additional cover in case of Total and Permanent Disability by accident.
- Additional cover in case of Total Disability by traffic accident.
- Serious Illness.
INCOME PROTECTION PLANS & ACCIDENT PLANS
- Guaranteed payments daily if you are sick and unable to work.
- Choice of cover from 30, 60, 90 or 120 euros a day
- Payments made even if you are fit enough to go back to work early
- Costs from 200 euros a year for complete cover living complete piece of mind if you are self employed.
- Lump sum pay out in the event of accident if you are unable to continue your chosen profession
BUSINESS INSURANCE
We know that your business is important to you.
- Business assistance service 24 hours a day, 365 days a year, through just a simple phone call.
- We consider your insured goods at their value as new. In accordance with the terms of the policy, we provide indemnity based on the cost of rebuilding as new. Contents are covered for their replacement as new value.
- The sum insured is updated annually, thereby ensuring that your insured sums are not out of date and that the adequate amount is indemnified in the event of a claim.
- Possibility of premium payment in instalments.
Damage as a result of the following causes is covered:
- Fire and its effects on the goods of the insured, in addition to expenditure incurred through the transportation of goods in order to safeguard them against fire.
- Explosion or implosion even if not followed by a fire, and in addition to the inevitable consequences of the event.
- Lightning even if not followed by a fire.
- Water damage and material losses due to water leaks and overflows.
- Location and repair of damage. Failure to turn off taps.
- Vandalism or acts of disorder, including those caused by legal strikes, meetings and demonstrations in accordance with the legislation in force.
- Natural phenomena, understood as rain, storms, hail, snow, wind and gales in excess of specified intensities and not covered by the Insurance Compensation Consortium.
- Flooding, as a result of the overflowing or accidental diversion of the normal route of water courses, such as canals, irrigation channels, gullies, river beds, sewers or other similar flows.
- Smoke of whatever cause, except for the ongoing action of smoke on the insured goods and smoke damage generated on premises other than those insured, unless as the result of a fire.
- Impact, terrestrial or maritime vehicles and/or animals, in addition to the fall of airborne objects.
Optional Covers
- Automatic cover for goods: covers, without prior notice to the insured, a margin of 30% of the sum insured for stock.
- Deterioration of refrigerated stock: this covers loss or damage as a result of spoiled or rotten stock kept in cold storage, refrigeration and freezing devices installed at the insured business as a result of a breakdown of such devices or storage, an interruption of electrical energy supply or the non-functioning of the cold storage as a result of any risk covered by the policy.
- Theft with violence and theft with intimidation: includes destruction, disappearance, deterioration of and damage to the building and/or contents as a result of such theft or attempted theft, in addition to cash held within the insured business.
- Employee dishonesty: covers theft, fraud, diversion, embezzlement, falsification or improper appropriation of cash, checks, securities or goods, committed by employees in the pay of the insured in performing their duties, if named in the policy.
- Consequential losses: Daily Indemnity; Loss of Profit
