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 commentsIn this day and age it is one of
the most vital insurance products you could contract for peace of mind as many
of you will have seen over recent months, things like the weather are getting
more unpredictable and that holiday you booked and have really been looking
forward to could be disrupted due to unforeseen circumstances.
In fact, there could be many
different reasons (illness, family member loss, strikes) you end up not being
able to head off on that trip you planned. Of course, we hope that never happens
but we all probably know at least one person that has had to cancel a trip at
the last minute due to unforeseen circumstances.
We also probably all know someone
that has had their luggage mislaid on route too. Most of the time it is located
and sent on to your destination, but sometimes it simply has got lost or when
it does turn up it is damaged.
We cannot guarantee that this
will not happen to you, but we can at least give you the peace of mind that
taking out travel insurance will provide you with varying levels of cover
either for a single trip or for Annual multi trips which is what we would
normally advise to go for as we can give you additional discount and it covers
trips in Spain (more than 2 consecutive days) and also does not have any limit on
the amount of trips per year with the standard policy including 17 days per
trip which can be increased up to 90 days per trip. Long term trips can also be
covered.
All of the policies include
Medical expenses, cancellation cover and Personal effects + Baggage cover, with
all of these covers having the option to be increased or removed to accommodate
each individual.
Pre-existing Medical conditions
can also be declared and covered if necessary.
Don’t leave your trip to trust and hope, relax in the knowledge that you have the best and right travel insurance cover in place.
Spain travel insurance is a type of medical
insurance that covers all types of medical emergencies during your stay in
Spain. Spain travel insurance means having a backup plan in case of a medical
emergency, so all travelers are advised to take out Spain travel insurance.
If you move to Spain to study, work or for
a longer stay of more than 180 days, you must take out health insurance in
Spain. Travel insurance is available for single trips, multiple trips and
annual trips
Find out more about travel
insurance by contacting us either via phone or email and we will gladly go
through some quotes with you.
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