5 years ago
·by
Thomas ·0 commentsNot everyone needs life insurance But if your children, partner or other relatives depend on your income to cover the mortgage or other living expenses, then the answer is yes – you probably do want life insurance, since it will help provide for your family in the event of your death.
The key reason to take out life assurance is so that the income you provide for others is maintained. An adequate level of life insurance is designed to provide financial support for surviving dependants on the death of the policyholder. Being an expat and making a living in Spain is harder than many other countries and your dependants may not have the same financial skills, capabilities or qualifications as you. Would they be able to continue living in Spain or would they need to return to their home country if you were not providing the main source of income for your family?
Any outstanding debts you have will also most likely be paid off in full, these include probably your biggest debt – your mortgage but also any credit card debts and other loans. If you have a partner, family or business partner who would suffer financially when you die then consider life insurance to clear your obligations, debts and to provide a cash lump sum to alleviate any possible financial distress.
It seems that finding the right expat life
insurance in Spain is even more important than you think. We want to help you
protect yourself and your loved ones by choosing the perfect life insurance
policy.
There are several reasons to rely on life
insurance for expats in Spain. You can be sure that you and your loved ones are
protected from unforeseen events.
For more information contact us on 966 493 762/ 660 751 073 or send us a contact request and we can go through all of the questions you may have.
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5 years ago
·by
Thomas ·0 commentsIt
doesn’t matter whether you live in a one-bedroom flat or a five-bedroom
detached house, your home is no doubt your castle. So it’s important to make
sure that you have the right protection in place in case something should go
wrong.
What
if there was a fire or the roof was damaged in a storm? Would you be able to
pay for the repairs? And where would you live if your house was uninhabitable?
Your home also contains some of your most valuable possessions. Could you
afford to replace your flat screen TV or your jewellery collection if you were
the target of burglars?
What does buildings insurance cover?
Buildings
insurance covers the structure of your home, so the roof, walls and windows. It
also includes the permanent fixtures, such as the fitted kitchen and the
bathroom suite. Buildings insurance policies vary, but they should all insure
your home in case of fire, storm, flood, subsidence, burst pipes, theft and
falling trees.
Most
insurers offer extra cover if you need it, though you will normally have to pay
an additional premium. Accidental damage is one of the most popular policy
add-ons.
Counting the cost of contents:
You
don’t just need to insure the structure of your home; you also need to insure
its contents against loss or damage caused by theft, fire, storms, lightning,
flooding or other water leakage, as well as explosions or earthquakes.
The
contents of your home might be more valuable than you think. And it is
important to get the figure right so that your insurance will pay out in the
event of a claim. The
best way to make sure you have adequate cover is to walk round your house room
by room and make an inventory of your possessions.
It is also important to declare any high valuable objects as in General policies
have a limit on single articles without being declared.
Extras:
Our policies are very complete but you can also add cover if required, a few
examples would be:
- Accidental
damage cover For contents / Buildings
- Increased
Public Liability Cover
- ¨Dangerous¨
Dog liability cover
- All
risk cover for declared objects/ jewellery
The list goes on, we can gladly go through this when we go through the quote process 😊.
Do you want to protect your Spanish home from threats such as damage and break-ins? We can advise you how to get house insurance in Spain and get protection.
Spain is a popular destination for expats and many people are attracted by its warm climate and good quality of life. However, so that your dream of living in the sun does not go astray you should think about protecting yourself from dangers such as fire or burglary.
Buildings and Contents Insurance is a comprehensive insurance
policy that provides coverage for both the physical structure of a property and
the belongings inside it. This type of insurance is essential for homeowners in
Spain as it offers financial protection against a wide range of risks,
including fire, theft, natural disasters, and accidental damage. By combining
coverage for the building and its contents, homeowners can ensure that their
property and possessions are adequately protected.
Finding the best home insurance in Spain is crucial for
homeowners who want to secure the most comprehensive coverage at competitive
rates. With numerous insurance providers in the market, it is important to
compare policies and consider factors such as coverage limits, deductibles, and
additional benefits. The best home insurance in Spain will offer a balance
between comprehensive coverage and affordability, ensuring that homeowners have
peace of mind knowing their property is well-protected.
Home and Contents Insurance is a type of insurance policy
that combines coverage for both the physical structure of a property and the
personal belongings inside it. This comprehensive insurance provides financial
protection against risks such as fire, theft, vandalism, and natural disasters.
By bundling coverage for the home and its contents, homeowners can simplify
their insurance coverage and ensure that they are adequately protected against
potential losses.
Spanish House Insurance is specifically designed to meet the
insurance needs of homeowners in Spain. This type of insurance provides
coverage for the structure of the house, as well as the contents inside it.
Spanish House Insurance offers protection against risks such as fire, theft,
and natural disasters, ensuring that homeowners can recover financially in the
event of a loss or damage to their property.
Home Insurance in Spain is a crucial investment for
homeowners. This insurance policy provides coverage for the physical structure
of the home, including the walls, roof, and fixtures. It also offers protection
for personal belongings inside the home, such as furniture, appliances, and
electronics. Home Insurance in Spain provides financial security and peace of
mind, allowing homeowners to protect their most valuable asset against
unforeseen events and risks.
House Insurance in Spain is a type of insurance policy that
provides coverage for residential properties. This insurance protects
homeowners from financial losses due to damage or destruction of their house
and its contents. House Insurance in Spain typically covers risks such as fire,
theft, natural disasters, and liability claims. By having this insurance
coverage, homeowners can have peace of mind knowing that their property is
protected against potential risks.
House Insurance Spain refers to the insurance policies
available for residential properties in Spain. This type of insurance provides
coverage for the structure of the house, as well as the contents inside it.
House Insurance Spain offers protection against risks such as fire, theft, and
natural disasters, ensuring that homeowners can recover financially in the
event of a loss or damage to their property.
Any queries or quotes please just contact us through our Website or phone us on 966 493 762 or 660 417 933.
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6 years ago
·by
Thomas ·0 commentsMany people who live in Spain take a lot of time when it comes to getting
quotations to find cheap car insurance but very few people consider what might
happen if they actually have an accident or collision with another car or other
motor vehicle.
At this point your Spanish car insurance and what you are covered for
becomes critical. In this article we look at the basic steps you should take
with the other party should you have a car or motor accident in Spain.
How serious is the accident?
Should you be involved in a serious accident in Spain it is
wise to immediately call 112 for both the police and an ambulance should it be
required.
If the Damage is only Material?
If no Medical assistance is required you need to check your
glove compartment ( one of the few times you will actually open it) and inside
your policy pack or documentation you will find a claim form, if for some reason you do not have one don’t
panic as the other vehicle involved should. If not simply gather as much
information as possible ( Pictures, third party details and insurance details,
position of the vehicle… etc )
Only once the claim form is filled in and you agree with it
sign it and keep one copy for yourself and the other is for the third party
involved.
If at any point you
do not feel happy with the situation or feel intimidated as some people react
differently to stressful situations just phone the police and they will handle
everything.
If the vehicle is not driveable you only have to phone the
Breakdown number and they will send the Grua promptly and take your vehicle to
the destination you give them, we highly recommend sending the vehicle to the
Garage you would like the assessment and repairs to be carried out at.
What next?
If you own a car, you should consider car
insurance in Spain which comes with comprehensive coverage.
Fully comprehensive car insurance in Spain
gives you extra peace of mind when insuring your vehicle. This type of
insurance covers your liability and also protects your vehicle.
The cheapest cover available is third party
car insurance in Spain, this protects a third party in the event of a claim.
All you have to do after this is contact us and we will organize everything with the insurance company for you and keep you updated on the claims process.
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