HOME INSURANCE FOR YOUR PROPERTY IN SPAIN WITH COVER FOR EARTHQUAKES AND NATURAL DISASTERS

Features » Finance and Money » Spanish Spain Home Insurance

Jack Pot / 2011-08-09 15:17:57

When evaluating the possibilities of insurance for your Spanish home, you should bear in mind some subtle differences between standard UK home insurance and home insurance for your property in Spain.

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One of the main differences is what is termed CONSORCIO cover. CONSORCIO cover under your policy is provided in accordance with the terms of Spanish Law dated 16th December 1954 which created the Insurance Compensation Consortium (Consorcio de Compensation de Seguros), and subsequent adjustments by Royal Decree.

CONSORCIO cover is unique in Spain and the scope of cover you will receive under this section of your policy is designed to protect you for loss following direct material damage to any of the property insured under the policy caused by:

- Natural phenomena of an extraordinary kind (flood, earthquake, volcanic eruption, exceptional cyclonic storms, the falling of astral bodies and meteorites)
- Events arising out of terrorism, riots or popular uprising
- Deeds or actions of the Armed Forces or the Security Forces in peacetime

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Home Insurance is offered in conjunction with Hercules Limited. Suite 2C Centre Plaza. Horse Barrack Lane. Gibraltar. Hercules Limited is a company registered in Gibraltar no. 102184. Licensed by the Gibraltar Financial Services Commission FSC1098B. Authorised to carry out General Insurance in Spain, Portugal, UK and Greece in Freedom to Provide Services.

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