Zurich Hogar GO! Expats Terms and Conditions
Condicions Generals
Assegurança d’hogar Expats
Home insurance Expats
I. Legal regulations
Insurer and the authority supervising its operations
Zurich Insurance Europe AG, registered in Germany under registration number HRB 133359, with registered office at Platz der Einheit 2, 60327, Frankfurt, Germany. It is regulated by the Federal Financial Supervisory Authority (BaFin) and authorised to operate in Spain under the right of establishment through its branch Zurich Insurance Europe AG, Sucursal en España.
Zurich Insurance Europe AG, Sucursal en España, Tax ID No. (NIF) W0072130H, whose registered address is Paseo de la Castellana, 81, planta 22, 28046 Madrid, is registered in the Directorate General of Insurance and Pension Funds Administrative Registry with code no. E0189.
Pursuant to section 123 of Royal Decree 1060/2015, of 20 November, on the organisation, supervision and solvency of insurers and reinsurers, it is hereby stated that Spanish liquidation regulations will not apply in the event of the liquidation of the insurer.
Applicable legislation
- Insurance Contract Act 50/80 of 8 October.
- Organisation, Supervision and Solvency of Insurers and Reinsurers Act 20/2015 of 14 July.
- Insurance Compensation Consortium Legal Statute Regulation Act 7/2004 of 29 October.
- Any other regulation that might be applicable during the lifetime of this policy.
Our complaints procedure
Complaints and claims may be submitted to the company’s Customer Ombudsman under the procedure set out in the Customer Ombudsman Regulations drawn up by the company and which are available on our website www.zurich.es/defensacliente. These Regulations comply with the requirements of Ministerial Order ECO 734/2004 and any other regulations that may replace or amend it.
The Customer Ombudsman will give its decision within the time limit specified in the above Regulations from when it receives your complaint. At the end of this period you may contact the Complaints Service in the Directorate General of Insurance and Pension Funds if you’re unhappy with how we’ve resolved your complaint.
Cancellation clause for distance contracts
In the case of insurance that is taken out exclusively by means of distance communication media, and for purposes other than the insured’s business or professional activities, the insured may cancel the distance contract within fourteen calendar days of it being signed, provided that the adverse event covered by the insurance has not occurred, without stating their reasons and without penalisation, in compliance with Section 10 of the Distance Marketing of Financial Services for Consumers Act 22/2007. To exercise this right the insured should write to the insurer. The insurer reserves the right to retain the part of the premium which is proportional to the cover period. The right of cancellation will not be applicable to compulsory insurance, travel or luggage policies lasting less than a month, or to ones whose effect terminates within the fourteen calendar day period.
Protection of personal details
Data controller: Zurich Insurance Europe AG, Sucursal en España.
If the policyholder is an individual
Purposes of the data processing:
- For the purpose of managing the contract: Personal data will be stored in files belonging to Zurich Insurance Europe AG, Sucursal en España, parent company Zurich Insurance Europe AG, whose purpose is and may be the proposal, even when the contract is not entered into, and if applicable the completion, maintenance and monitoring of the contract of insurance and conducting statistical studies, quality studies and technical analysis, managing coinsurance if applicable and also processing by the parent company for the prevention of money laundering and terrorist financing. Lawful basis: The performance of the contract and insurance regulations, mainly the Insurance Contract Act, the Organisation, Supervision and Solvency of Insurers and Reinsurers Act and prevention of money laundering and terrorist financing regulations.
- For the purpose of preventing fraud: These data will also be used to prevent fraud. Lawful basis: Legitimate interest.
- For the purpose of adjusting the price: To offer the most suitable price based on your profile, the Insurer may consult insurance industry information systems and shared databases during the pre-contractual stage and at the time of policy renewal, to assess risks and adjust the premium. This process is carried out through an automated system that may analyse credit and/or sociodemographic data to assess your creditworthiness. You can consult additional information, the logic applied, and exercise your rights at www.zurich.es/rgpd. Lawful basis: Legitimate interest.
Likewise, unless you opt out the insurer may process your data:
- For the purpose of sending you marketing messages by any electronic means including text, email or an equivalent means of communication in order to offer, promote and purchase the insurer’s products and services and additional services included in the insurance taken out.
- For the purpose of sending you marketing messages on paper and in phone calls about own products and insurance policies and pension plans from the Insurance Group, i.e. Zurich Vida or other companies legally related to the aforementioned organisations as set out at www.zurich.es/rgpd.
- For the purpose of profiling or segmenting profiles using the data you supply and also data drawn from the information resulting from the use and management of the products purchased. Lawful basis: Legitimate interest and the right to object.
You may object to such processing at any time.
Likewise, if you have given your consent the insurer may process your data:
- For the purpose of sending you marketing messages by any electronic means including text, email or an equivalent means of communication in order to offer, promote and purchase insurance or pension products and services from other Group organisations, i.e. Zurich Vida or other companies legally related to the aforementioned organisations as set out at www.zurich.es/rgpd.
- For the purpose of profiling or segmenting for marketing purposes using own and third-party data (including insurers in the Group).
- For the purpose of disclosing your data and, if applicable, any profiles obtained to Zurich Group companies in the insurance and pensions industry to send marketing messages by any means (electronic or otherwise) about their products and services. Lawful basis: Express consent.
If the policyholder is a legal entity:
Data processing purposes and recipients:
- The policyholder’s representative (an individual) is notified by this clause that their personal data supplied to perform this contract of insurance will be processed by the insurer for the purpose of managing the contractual relationship. The legal basis for such processing is the insurance contract.
- The personal data gathered will be retained while such contract of insurance remains valid. Once this relationship has ended, they will be retained duly blocked during the periods of limitation set by applicable law.
- The recipients of the personal data will be any organisations in the insurer’s group which for reasons of internal organisation may require intervention or any suppliers which have been hired.
- If the policyholder provides any other personal data to the insurer in the performance of the contract of insurance, they warrant that prior to such provision they have informed the data subject (whether the insured, beneficiary or any other person) about the processing of their data in the terms set out in this clause and that they have met any other requirements needed to enable the legitimate communication of such personal data to the insurer in accordance with applicable regulations.
- The legal basis for such processing is the performance of this contract or compliance with legal obligations in regulations concerning the organisation, supervision and solvency of insurers and the regulations of the contract of insurance.
- Personal data will not be shared with third parties unless so required in order to comply with obligations contained in applicable regulations.
Furthermore, where applicable and if the appropriate mechanisms are enabled the insurer may request these other persons involved in insurance in which the policyholder is a legal entity to give their consent or state they do not object in the same cases set out above.
Recipients: Your data may be disclosed to any authorities that the insurer is legally obliged to inform, including courts and tribunals and law enforcement agencies, if required to do so. Likewise, in the performance of the contract your personal data may be disclosed to reinsurers, coinsurers and other participants in the operation of the contract such as repairers, loss adjusters and other service providers. They may also be disclosed to Group organisations or third-party organisations if you have expressly consented to such disclosure or when based on a legitimate interest or legal obligations.
Rights and Additional Information
Rights: In both cases the data subject and the representative may exercise their right to request access to and rectification or erasure of personal data and other rights as explained in the additional information at www.zurich.es/rgpd.
Additional information: You can view more information at www.zurich.es/rgpd.
Specialities in complaints and claims by Autonomous Community
Besides maintaining open offices in the different Autonomous Communities, Zurich also has a physical address for all consumers and users: 200, Vía Augusta, Barcelona. Here, customers can receive personal attention regarding any complaints or claims concerning their insurance. Zurich also provides a free phone service for complaints and claims: 900 903 314.
Implementation of international public order
Without prejudice to the conditions of this agreement, the underwriting insurer will not be required to make payments or provide a service or benefit for any insured or third party if such coverage, payment, service or benefit and/or any other business or activity of the insured may be in breach of trade legislation or regulations, trade embargo or economic sanctions affected by an international public order.
Likewise, late-payment interest will not accrue if when completing the procedures provided for in such regulations the insurer exceeds the maximum time allowed for compliance with particular obligations.
II. What to do in the event of a loss
Our helpline is 93 366 07 77.
- Use all means within your power to minimise the consequences of the incident.
- Read the ‘Subject matter of the insurance' section in your policy carefully and make sure that the loss really is covered.
- Contact Zurich as quickly as possible by calling 93 416 50 46 or through the intermediary for your policy.
- Give a detailed explanation of what caused the loss and what its consequences are and provide the details of the third party at fault if there is one.
- Specify the damaged items and attach the supporting documents the insurer asks you for.
- Report burglary, robbery, theft or vandalism to the authorities (police or courts). Remember to provide a list of the objects/property stolen.
If you have a domestic emergency
If you have a domestic emergency, call 93 416 50 46 and Zurich will quickly put you in touch with a specialist who will deal with your problem.
What our 'Contacting repairers, installers and miscellaneous specialists' service includes
- 'Contacting repairers, installers and miscellaneous specialists' is a Zurich service you can use by calling 93 416 50 46. It is designed to help you find the specialists you need to deal with any incidents in your home with the confidence you get from hiring them on Zurich's recommendation.
III. Summary of covers and perils
This summary of covers is not intended to be exhaustive and is given for information purposes only. For full information about the covers please see the terms and conditions, and to find out which covers have been taken out and the sums insured please see the schedule.
If the insured cover is not expressly specified with an associated amount or limit in the schedule, it means that this cover has not been taken out.
| COVERS | Buildings / Refurbishment work | Content |
|---|---|---|
| MATERIAL DAMAGE | ||
| FIRE, EXPLOSION, SMOKE AND SOOT | 100% | 100% |
| WEATHER EVENTS, LIGHTNING, FLOODING, COLLISION, BLOWS AND SONIC BOOMS | 100% | 100% |
| VANDALISM | 100% | 100% |
| TOTAL DESTRUCTION | 100% | 100% |
| WATER DAMAGE | 100% | 100% |
| DAMAGE DUE TO LEAKS | 100% | 100% |
| EXCESSIVE WATER USE | Sum shown in the Schedule | - |
| FINDING AND REPAIRING A WATER LEAK WHEN THERE IS NO DAMAGE | Sum shown in the Schedule | - |
| COST OF UNBLOCKING PIPES | Sum shown in the Schedule | - |
| COSMETIC DAMAGE TO BUILDINGS | Sum shown in the Schedule | - |
| COSMETIC DAMAGE TO CONTENT | - | Sum shown in the Schedule |
| BREAKAGE OF WINDOWS, GLASS, COUNTERTOPS AND SANITARY WARE | Sum shown in the Schedule | - |
| BREAKAGE OF SOLAR PANELS | Sum shown in the Schedule | - |
| BREAKAGE OF CERAMIC HOBS | - | Sum shown in the Schedule |
| ELECTRICAL DAMAGE | Sum shown in the Schedule | Sum shown in the Schedule |
| SPOILAGE OF REFRIGERATED FOOD | - | Sum shown in the Schedule |
| RECONSTRUCTION OF GARDENS | Sum shown in the Schedule | - |
| EXTENDED RECONSTRUCTION OF GARDENS | Sum shown in the Schedule | - |
| TERRACE AND GARDEN FURNITURE | - | Sum shown in the Schedule |
| EXTENDED TERRACE AND GARDEN FURNITURE | - | Sum shown in the Schedule |
| PROPERTY FOR PROFESSIONAL USE | - | Sum shown in the Schedule |
| THIRD-PARTY PROPERTY | - | Sum shown in the Schedule |
| ALL-RISK ACCIDENT | 100% | 100% |
| ILLEGAL OCCUPATION | Sum shown in the schedule | Sum shown in the schedule |
| VANDALISM BY THE TENANT | €3,000 | - |
| EXPENSES FOLLOWING A LOSS | ||
| SALVAGE, DEBRIS REMOVAL AND DEMOLITION, MUD REMOVAL AND FIRE BRIGADE | 10% | 10% |
| REPLACEMENT OF DOCUMENTS | - | Sum shown in the Schedule |
| BURGLARY AND ROBBERY | ||
| BURGLARY OF PARTS OF BUILDINGS | 100% | - |
| DAMAGE IN THE HOME | Sum shown in the Schedule | - |
| BURGLARY OF CONTENT AND ROBBERY INSIDE THE HOME | - | 100% |
| MONEY IN THE HOME | - | Sum shown in the Schedule |
| MONEY IN A SAFE | - | Sum shown in the Schedule |
| JEWELLERY AND COLLECTIONS | - | Sum shown in the Schedule |
| JEWELLERY AND COLLECTIONS DECLARED | - | Sum shown in the Schedule |
| HIGH VALUE OBJECTS | - | Sum shown in the Schedule |
| THEFT | - | Sum shown in the Schedule |
| BURGLARY IN STORAGE ROOMS AND ATTACHED STRUCTURES | - | Sum shown in the Schedule |
| MUGGING | - | Sum shown in the Schedule |
| FRAUDULENT USE OF CARDS | - | Sum shown in the Schedule |
| REPLACING KEYS FOLLOWING BURGLARY | - | Sum shown in the Schedule |
| LIABILITY AND BONDS | ||
| LIABILITY FOR BUILDINGS | Sum shown in the Schedule | |
| LIABILITY FOR CONTENT | - | Sum shown in the Schedule |
| FAMILY LIABILITY | - | Sum shown in the Schedule |
| LIABILITY FOR DANGEROUS DOGS | - | Sum shown in the Schedule |
| POLLUTION LIABILITY | Sum shown in the Schedule | - |
| LEGAL EXPENSES | ||
| LEGAL EXPENSES | Sum shown in the Schedule | |
| VEHICLES IN GARAGES AND WHEN PARKED | - | Sum shown in the Schedule |
| EXTENSION OF COVERS | ||
| ESSENTIAL PACK | ||
| LOSS OF USE | Sum shown in the Schedule | |
| EMERGENCY LOCKSMITH SERVICE | Sum shown in the Schedule | |
| EMERGENCY REPAIRS | Sum shown in the Schedule | |
| EXTENDED PACK | ||
| ESSENTIAL PACK | ||
| PROPERTY ON TRIPS AND SHORT STAYS | Sum shown in the Schedule | |
| TRAVEL ASSISTANCE | Sum shown in the Schedule |
IV. Definitions
Mod 2/3.01.07.82 Mar26
General definitions
Insured. The person or legal entity owning the interest being insured and that in the absence of the policyholder meets the obligations arising from the contract.
Other individuals who are also insured are:
- Their spouse or people in a stable relationship of domestic partnership and affection with the insured provided that such cohabitation is on a regular basis.
- The children of the couple who are dependent on them.
- Minor children and any with a disability who are under the care and custody of the couple.
- The couple's dependent ascendants.
- The ascendants, descendants and relatives of the policyholder and/or insured who live with them on a regular basis in the insured home.
The insured will remain insured when living temporarily away from the policyholder’s home for health or education reasons.
Insurer. Zurich Insurance Europe AG, Sucursal en España.
Lessee or tenant. Individual who in exchange for a price called rent uses the home which is insured by this contract of insurance.
Beneficiary. The person designated by the Policyholder, or if applicable the insured, to receive any compensation payable under this policy.
Third party. Any person or legal entity other than:
a) The Policyholder or the Insured.
b) The spouses, forebears, descendants and other relatives of the Policyholder and/or insured who live with them.
c) The partners, directors, salaried employees and people who de facto or de jure work for the Policyholder and/or the insured whilst acting under the terms of that relationship.
Policyholder. The person or legal entity that enters into this contract with the insurer and meets the obligations arising from it unless they have to be met by the insured.
First loss insurance. Type of insurance which covers a particular amount per claim regardless of the full value of the property and where the condition of average does not apply.
Full value insurance. Type of insurance where the value insured in the policy matches the full value of the object covered.
Unoccupied. Temporary period in which the insured does not stay overnight in the insured home.
Schedule. Contractual document which shows the sums insured and covers in the insurance policy and whose application is set out in these terms and conditions.
Trespassing. This is when someone enters or remains in a home lived in by another person against the wishes of its resident.
Illegal occupation. This is when one or more people decide to use or live in a property without the consent of the owner or legitimate user of the home and without having any right to use or live in it.
Waiting period. This is the period of time between when the policy takes effect and when a cover starts to apply.
Refurbishment. A home is considered to have been refurbished when at least its water supply and drainage systems and electrical wiring have been completely replaced while ensuring they meet the technical standards in force at the time of the work. These measures must comply with the Technical Building Code (CTE) and the Low Voltage Electrotechnical Regulations (REBT) and have the appropriate certificates issued by authorised professionals.
Home. An enclosed and covered structure designed to be lived in by people.
Construction materials
Fireproof (concrete, brick, stone) The construction of the building where the property covered by the insurance is located has.
a) Exterior walls or closures made of at least 90% cement, stone, brick or other fireproof materials.
b) Roofs made of 90% sheet metal, brick, tiles, slate and other fireproof materials.
c) Closures or exterior walls made entirely of concrete, metal, brick or stone with at least 90% concrete, brick or stone or other fireproof materials.
Fireproof with floor beams and/or frameworks made of combustible materials: homes where construction materials are mostly fireproof, although part of the frame (floor beams/frameworks) is made of wood and/or combustible materials.
Wood: homes where the construction materials in the frame, roof and/or closures are mostly wooden.
Prefabricated combustible: Homes made of prefabricated units or multilayer sandwich panels made of materials such as wood, plastic and/or cork in their composition or in the frame, roof and/or closures.
Prefabricated fireproof: Homes made of prefabricated units with a frame of concrete, brick, stone, steel, cement, tiles, slate which is manufactured in units and transported to the construction site.
Security measures
Regular door. Door made of wood less than 45 mm thick or a glass or aluminium metalwork door.
Security door. Door made of wood and clad in metal plate or made of solid or reinforced wood which has a security lock or two simple locks.
Grille in openings. Iron or steel bars intertwined and solidly anchored to the wall.
Alarm. Electronic system which can detect intrusion into the home and is connected to a security centre or mobile device. It must have indoor motion sensors or sensors for the opening or forcing of doors, windows or other access openings together with sound and vision warning devices with at least 24-hour backup battery life.
Safe. Safe-deposit box that is fully embedded in or anchored to the floor or wall or that weighs more than 100 kg and is properly locked and/or whose combination has been set to prevent its opening.
Safety glass. Glass made up of at least double or triple panes of 6 mm each.
Use of the home
Main home. One where the Insured normally lives and is their legal address.
Main home in Spain. One where the insured normally lives during their stays in Spain even if they have another home outside Spain.
Second home. One used by the Insured on an occasional basis as a second residence.
Home used for letting. One let in its entirety by its owner to a tenant under a singlerenewable lease for a period of more than six months.
Home used for seasonal/holiday (tourism) letting. One let in its entirety by its owner to a tenant under a single non-renewable lease for a period of six months or less.
Unoccupied home. One which nobody lives in on a permanent basis and is not used as a residence.
Home type
Flat. Home in a multi-storey building whose windows, balconies, terraces and other openings are more than three metres above ground level.
Penthouse flat. Home on the top floor of a building.
Ground floor. Home on the ground floor of a multi-storey building whose windows, balconies, terraces and other openings to the outside are less than 2.5 metres above ground level.
Semi-detached or terraced home. House that shares a wall, not a hedge or fence or garden wall, with another construction outside the insured property.
Detached home. House that is separate from and independent of other properties.
Location of the home
Urban area. Set of buildings that have water, sewerage, street lighting and telephone services and their own local authority.
Residential complex. Set of buildings outside an urban area and in the same zone with common water, sewerage, street lighting and telephone services.
Private residential complexes, where this means a group of plots and buildings which are independently owned, arranged under a condominium system in accordance with the Condominium Act, and which has common areas and facilities such as roads, infrastructures and recreational areas that are jointly owned and managed by the owners' association or group, are excluded.
Gated residential complex. One which meets the definition of a residential complex and also has entrance control and perimeter fencing to prevent access to the complex.
Sparsely populated. Building or set of buildings in rural areas that do not have one or more common water, sewerage and street lighting services.
Construction quality
Standard. Home built with medium quality construction materials.
High quality. A home which has features such as premium construction quality, luxury fittings or an exclusive location whose construction value is higher than the usual standard.
Insured property
Buildings. This means:
- The foundations, systems and their components that form part of the construction such as water, gas, electricity, heat pump, solar and wind power, air conditioning units on a wall or ceiling inside the home, satellite dishes and telephony up to their point of connection to general service networks and provided they are inside the property where the home is located, heating, boilers and electric water heaters, solar panels, lifts and in general any items fixed to the insured building or property which cannot be separated from it without breaking or damaging them.
- Fixed kitchen and bathroom furniture as well as built-in cupboards, sanitary ware and shower screens.
- Carpeting, painting, hangings, wallpaper, parquet, wood, artificial grass or any other objects for use and decoration placed with the manifest purpose of locating them permanently in the building or home.
- Attached structures such as a private garage, car parking space, storage room and in general any construction anchored permanently to the ground.
- A private garage or car parking space owned by the insured as long as this area is used exclusively by the insured, is in a place other than the insured home or building and whose address is specified in the schedule.
- Charging stations for electric vehicles owned by the insured and permanently installed in the insured home or in a communal garage for the insured’s exclusive private use.
- The building's fixed systems such as ones for detecting and preventing fire or burglary, railings, fences, walls (including retaining walls for the property), gardens, trees, pool and garage.
- Retaining walls for the property are covered up to 10% of the sum insured for buildings.
- If the Insured is acting as a joint owner and in addition to the individual property they own, ‘buildings' also means the proportion of the jointly owned property corresponding to them if the insurance taken out by the joint owners is insufficient or if no such insurance has been taken out.
Content. Content means:
- Furniture, including fixtures in kitchens and bathrooms, air conditioning units on a wall (split and compressor), ceramic hobs, household furnishings, clothes, appliances, artworks, jewellery, collections and in general any items for personal use and provisions that are inside the insured home, attached structures and gardens. The objects must be owned by the Insured or their relatives or domestic staff who live with them, are financially dependent on them and do not have any other legal address or, even when not owned by the people indicated above, are in their possession as a result of renting or by means of documents in proof, loan or a retention of title clause.
- Jewellery and collections. Jewellery, gems, clocks or watches and pieces made of precious metals, precious or semiprecious stones whose unit value is not greater than €6,000.
- Declared Jewellery: Jewellery and collections as defined above with a unit value greater than €6,000.
- High value objects and collections. Any objects such as sound and image appliances, electronic equipment, musical instruments, sports equipment, paintings, works of art, antiques, furniture classified as antique, objects made of silver or ivory, furs, tapestries, carpets or rugs and any non-furniture objects whose unit value or the value of all the objects making up a collection is greater than €6,000. The unit value of sets or collections that naturally make up a set is the value of the set or collection as a whole.
- Money. This includes cash, securities, cheques, bonds and documents which are a guarantee of payment as well as public transport or mobile phone cards with available credit.
- Property for professional use. Furniture, household furnishings, utensils, instruments, appliances and documents provided that they are in the home shown in the Schedule.
- Third-party property. Property owned by people other than the Policyholder or the Insured who do not habitually live with the Policyholder or the Insured.
Objects used for professional or business purposes are not considered content and therefore are not covered, except as specified in '1.14 Property for professional use' in these terms and conditions. Pets, motor vehicles, caravans, trailers and boats are also not considered content unless they are expressly included in the Schedule.
- Attached structures. Fixed constructions which are properly anchored to the ground for the insured’s private use with an independent entrance and are a legal part of the building or plot associated with the main home. They include, for example, private garages, car parking spaces, storage rooms, garden sheds and any other construction made of solid, resistant materials and fitted with security devices such as locks or padlocks with a minimum body thickness of 50 mm which impede unauthorised access.
- Refurbishment work. Work involving brickwork, painting, wallpaper, floors, carpets or other elements fixed to floors, walls or ceilings and in general any improvement, alteration, remodelling and adaptation of the home or structures where the property covered by the insurance is located as long as maintenance and replacement of these items is at the insured’s expense.
- Motor vehicles. A vehicle fitted with a motor or an engine for its propulsion and which requires compulsory insurance throughout Spain under regulations. Powered transporters which do not have insurance under the law are not included in this definition and are therefore considered to be part of the contents of the home.
V. General considerations
1. Subject matter of the insurance
The purpose of the insurance is to protect the insured facilities and property as specified in the schedule against the risks covered by the policy. Coverage is provided in the form of compensation for damage. The limit of liability for all covers, including all expenses, may not under any circumstances be greater than the sums insured set out in the schedule for buildings and content if both are insured; if only one of them is insured, the limit set for that item will apply.
In the case of the Liability and bonds covers described in section 4 of these terms and conditions, the sum insured is independent of the amounts for building and contents and the breakdown of the amounts is shown in the schedule associated with this contract.
2. Territorial limit
The territorial limit of the covers in this contract of insurance is restricted to the home shown in the Schedule except for:
a) '3.4 Mugging' where it extends to the whole world except for countries where there are armed conflicts.
b) ‘4.3 Family liability’ and ‘4.4 Liability for dangerous dogs or special handling dogs’ whose territorial limit extends to the whole world except the USA, Canada, Mexico and Puerto Rico.
c) '6.4 Property on short trips and stays' where it extends to the whole world.
When the insured normally lives abroad, the coverage is limited to claims made under Spanish law and arising from damages occurring in Spain.
3. General excess
Excess. The expressly agreed amount or percentage which is deducted from the compensation.
At the Insured's request an excess per claim may be set for the amount shown in the Schedule in general for all the policy covers except for:
a) '1.16. All-risk accident', which has its own excess shown in the Schedule if there is no general excess for all covers in the policy.
b) '1.18. Vandalism by the tenant', which has its own excess shown in the Schedule.
c) '4. Liability and bonds covers'.
d) '6. Extension of covers.'
e) '3.7. Fraudulent use of cards', where the regulations for this kind of incident will apply.
f) XII. Legal expenses.
g) ‘1.17. Illegal occupation’, which has its own excesses shown in the schedule.
VI. Covers
1. Material damage covers
1.1. Fire, explosion, smoke and soot
Fire and explosion
The policy covers direct material losses resulting from the disappearance or destruction of or damage to insured property due to fire and/or explosion.
For the purposes of this cover ‘fire' means burning and scorching by flame which can spread of an object or objects that were not intended to be burned in the place and at the time that it happened.
'Explosion' means the sudden and violent action of the pressure or fall in pressure of gas or steam.
The following are not covered:
a) Damage and simple burns caused by the mere action of heat when not due to fire.
b) Damage to light bulbs, lamps or similar objects resulting from their explosion.
c) Damage to landscaped areas which is included in ‘1.10. Reconstruction of gardens’.
Sum insured: up to 100% of the sums insured for buildings and/or content.
Smoke or soot
This covers direct material damage to insured property caused by smoke or soot resulting from sudden and abnormal leaks whether or not they are the result of fire.
Not included is damage due to:
a) The continuous action of smoke or soot.
b) Smoke or soot from fireplaces, heating or cooking systems or industrial devices during their normal operation.
Sum insured: up to 100% of the sums insured for buildings and/or content.
1.2. Weather events, lightning, flooding, collision, blows and sonic booms
Weather events
The policy covers direct material damage to insured property by rain (provided that precipitation levels exceed 40 litres per square metre per hour), wind (when there are gusts exceeding 75 kph and up to the point when Insurance Compensation Consortium cover takes effect), and hail or snow (provided that such events occur abnormally and that the nature or intensity of the atmospheric disturbance means it is considered atypical or abnormal). The classification of these weather events will be certified basically by reports issued by the relevant official bodies. However, when the abnormality of the weather event for the place or area where the insured risk is located is not completely certified by the reports issued by these official bodies, it will be necessary to demonstrate to the insurer that other well-built properties within a 2 km radius of the insured risk have been destroyed or damaged by the same weather event unless this is already known to the insurer.
This cover includes direct material damage to insured property caused by windblown objects and in particular damage to the insured home caused by trees.
Not included is damage:
a) Due to snow, water, sand or dust entering through doors, windows or other openings that have not been closed or not closed properly.
b) Due to freezing, cold, ice, waves or the tide, even when these events have been caused by the wind.
c) Due to breakage of windows and glass which is included in cover ‘1.7 Breakage of windows, glass, countertops and sanitary ware'.
d) To trees and gardens except in the cases specified in ‘1.10. Reconstruction of gardens’ and which are expressly taken out in the schedule.
e) Except for the cases provided for in the preceding sections of this cover, provided that they are expressly taken out.
f) Due to defects in or lack of maintenance and upkeep of the insured property.
g) Due to seepage, rusting or damp which has occurred gradually.
h) To property forming part of content which is outside or inside open structures, even when it is protected by flexible materials (tarpaulins, plastic sheeting, tents, inflatable constructions and the like), which is included in '1.12. Terrace and garden furniture'.
Sum insured: up to 100% of the sums insured for buildings and/or content.
Lightning strike
The policy covers direct material damage to insured property caused by lightning strike even when there is no fire, except for damage to electrical or electronic appliances, power lines and their accessories which are included in '1.8. Electrical damage'.
'Lightning strike' means an electrical discharge produced by a disturbance in the atmosphere's electric field.
Sum insured: up to 100% of the sums insured for buildings and/or content.
Flooding
The policy covers direct material damage to insured property as a result of the overflowing or deviation of the normal course of water flowing from lakes without a natural outlet, canals, irrigation ditches or other man-made aboveground watercourses, sewers, waste pipes and artificial underground watercourses when they overflow, burst, break or break down and provided that it is not the result of extraordinary risks or events which are covered by the Insurance Compensation Consortium.
The following are not covered:
a) Damage caused by overflowing or breakage of dams, reservoirs, levees or any other natural water retention system.
b) Damage caused by non-channelled underground water.
Sum insured: up to 100% of the sums insured for buildings and/or content.
Collision, blows and sonic booms
The policy covers direct material damage to insured property caused by collision of or blows from land vehicles or from goods carried by them as well as by falling spacecraft, aircraft or objects which fall from them. It also covers the direct impact on the insured property of sonic booms from spacecraft or aircraft when they break the sound barrier.
For the purpose of this cover 'vehicle' means any which has to be covered by compulsory insurance under a regulation applicable throughout Spain.
The following are not covered:
a) Damage caused by vehicles, spacecraft and aircraft as well as by any objects that are carried by or fall from them which are owned by or in the possession of or controlled by the Insured or people who work for or live with them.
b) Breakage of windows and glass which is included in '1.7. Breakage of windows, glass, marble and sanitary ware'.
Sum insured: up to 100% of the sums insured for buildings and/or content.
1.3. Vandalism
The policy covers direct material damage to insured property as a result of vandalism or malicious actions committed by people either individually or as a group who are not or do not include the Insured, including any resulting from meetings and demonstrations conducted in compliance with prevailing legislation and unless these actions take the form of a riot or civil disturbance.
The following are not covered:
a) Losses arising from theft or unlawful taking away as well as damage caused by actual or attempted burglary.
b) Damage or costs of any kind for graffiti, bill sticking, scratching or chipping on the outside of buildings or on property which is outdoors.
c) Damage to landscaped areas which is included in '1.10. Reconstruction of gardens'.
d) Breakage of windows and glass which is included in '1.7. Breakage of windows, glass, marble and sanitary ware'.
e) Damage caused by the tenant which is included in '1.18. Vandalism' by the tenant.
f) Damage or losses arising from squatting of the home, where this means when such occupancy is against the owner’s wishes, which is included in ‘1.17.6 Damage to buildings due to illegal occupation’ and ‘1.17.7 Damage to content due to illegal occupation’ if cover ‘1.17 Illegal occupation’ has been taken out.
g) Damage which has not been reported to the authorities.
h) Damage to the insured’s home by pets when the insured is a tenant.
Sum insured: up to 100% of the sums insured for buildings and/or content.
1.4. Total destruction
The policy covers material damage to structural components that endangers the strength and stability of the building as a direct result of works carried out by third parties on adjoining properties or public works in adjacent streets or underground.
An additional and indispensable requirement for coverage of these events is that the authorities must officially declare the total destruction and evacuation of the property.
The following are not covered:
a) Material damage which does not endanger the structural safety of the building and does not lead to an official declaration of total destruction and evacuation of the property.
b) Damage to insured property arising from actions carried out by third parties prior to the effect date of this policy even though the damage only becomes known during the policy's term.
c) Damage resulting from land settlement or movement (subsidence, landslides or rock falls) for reasons other than those referred to in the corresponding cover.
Sum insured: up to 100% of the sums insured for buildings and/or content.
1.5. Water damage
The policy covers direct material damage to the insured home’s buildings and content caused by its water pipes, non-weather-related water leaks, premises adjoining or above the insured premises, from fixed tanks and heating, air conditioning and electrical appliances connected to the water pipes due to breakage, blockage, faults and freezing and as a result of oversight or intentional harm by third parties as well as failure to switch off stopcocks, taps or any type of valve.
The cost of opening up and closing up the insured property's walls in order to find the water leaks causing the covered damage and the cost of repairing the water pipes causing the loss are included provided that a sum insured for buildings has been taken out.
Sum insured: up to 100% of the sum insured for buildings and/or content as applicable.
In addition to the above and as long as they are shown as taken out in the Schedule, the cover can be extended to '1.5.1 Damage due to leaks', '1.5.2 Excessive water use', '1.5.3 Finding and repairing a water leak when there is no damage' and '1.5.4 Cost of unblocking pipes'.
1.5.1. Damage due to leaks
The policy covers material damage to insured property resulting from rainwater leakage or seepage as long as rainfall is not greater than 40 l/m2h and not including repair of the cause.
Compensation will only be paid if the cause of the leakage or seepage is repaired. The insurer will not accept any other claim which has the same cause.
Sum insured: up to 100% of the sum insured for buildings and/or content as applicable.
1.5.2. Excessive water use
The policy covers expenses resulting from excessive water use as a result of a loss coming under the water damage cover. Compensation will be calculated as the difference between the amount of the water utility bill for the period during which the loss took place and the average amount of the Insured's bills.
Sum insured: up to the limit shown in the Schedule and at most one claim per year.
1.5.3. Finding and repairing a water leak when there is no damage
In cases where there is no material damage resulting from excessive water use or there is evidence of a water leak, and provided that buildings are insured, the cost of finding and repairing the insured risk’s water pipes is included.
Sum insured: up to the limit shown in the Schedule and at most one claim per year .
1.5.4. Cost of unblocking pipes
The cost of unblocking pipes in the insured home is included even when the blockage has not caused any damage.
Exclusions:
a) When the blockage is due to septic tanks, sumps, drains, sewers or rainwater.
b) Unblocking systems with poor or defective drainage.
Sum insured: up to the limit shown in the Schedule and at most one claim per year. If Zurich assistance services are used, the sum insured is unlimited.
‘1.5. Water damage’ does not cover damage caused:
a) By obvious failure to maintain the insured systems as repairs and operations required for the proper upkeep of the pipes have not been carried out, especially replacement of defective pipes and unblocking any that become clogged up.
b) By water freezing when the home is unoccupied and precautionary measures to prevent it (emptying the pipes and the storage tank) have not been taken.
c) By underground water and backflow of water from the public sewage system.
d) The cost of unblocking or cleaning any type of pipe or drain, except for costs resulting from damage included in this cover on when ‘1.5.4. Cost of unblocking pipes’ has been taken out.
e) By construction or repair work carried out on the insured risk.
f) To roofs and external walls due to the continuous action of water from external downpipes or service connection pipes.
g) By water from portable containers and by washing floors or plasterwork.
h) By the overflowing or breakage of dams and levees.
i) By water leakage resulting from defects in and/or poor upkeep of the building.
j) By damp or condensation.
k) As a result of generalised corrosion or manifest wear of the building's systems unless the pipes are hidden and the Insured cannot be held responsible for it.
l) In second homes (not the usual residence) and/or properties to let which are unoccupied for more than 30 days, all water mains connections and stopcocks are to be turned off and all appliances and systems emptied if possible. In winter appropriate measures are to be taken to prevent the effects of water freezing.
m)In unoccupied homes which are not declared with this use.
n) The cost of finding and repairing faults originating in taps and appliances, septic tanks, watering networks, distribution chambers, sewers or any other components of the horizontal sewage system when they are located outside the limits marked by a vertical line drawn from the edge of the building’s roof or are not exclusively used by the insured home.
o) The costs of removing asbestos material and any other costs arising from the legal obligation to remove or alter insured property containing asbestos.
1.6. Cosmetic damage
Cosmetic damage to buildings
The insurance includes the cost of repairing damage to parts of the home to restore its visual appearance at the time prior to a loss covered by the policy.
Cosmetic damage to content
The insurance includes the cost of repairing damage to moveable property inside the home to restore it to the same appearance it had immediately prior to the loss covered by the policy. For the purpose of this cover ‘moveable property’ means the home’s furniture.
Repair will be carried out using materials with specifications and quality similar to the originals.
This cover is limited to the room affected by the loss.
Compensation for cosmetic repair will only be paid when the entire room or items affected are reconstructed or replaced within no more than one year from the date of reporting the claim. The insurer reserves the right to ask for whatever supporting documents it needs and also to conduct any checks it thinks are necessary.
The following are not covered:
a) Sanitary ware over 15 years old, bathroom accessories, taps, glass, mirrors, panes, swimming pools and recreational or sports facilities, trees, plants, gardens, fences or walls, works of art, jewellery and high value objects.
b) Parts of buildings on the outside.
c) Scraping, chipping, flaking, scratching and in general any surface damage.
d) Moveable property in attached structures, terraces and gardens.
e) Motor vehicles and boats.
Sum insured: at first loss and up to the limit shown in the Schedule.
1.7. Breakage of windows, glass, countertops and sanitary ware
The policy covers direct material damage due to breakage of insured property which is part of the home, including the cost of transport and fitting:
Breakage of parts of buildings:
a) Panels, glass, mirrors, window panes, doors, screens made of see-through polyester or similar materials and plexiglass attached to buildings.
b) Marble, Silestone, artificial stone and granite countertops.
c) Sanitary ware such as bathtubs, showers, toilets, bidets, washbasins, sinks and similar.
Breakage of parts of content:
a) Panels, glass, mirrors, panes and plexiglass which are a fixed part of content or any of its components.
b) Marble, Silestone, artificial stone and granite countertops.
c) Fixed glass in household appliances.
d) If only content is insured, the home's glass and panes in doors and windows are covered.
If the “Extended” option has been taken out and this is shown in the schedule, cover is extended to include breakage of panes, panels, glass and flat mirrors attached to furniture but not on a permanent basis.
The following are not covered:
a) Glass and marble of artistic value, where this means unique creations, whose design can be fully considered as "works of art".
b) Furniture, hand-held objects, non-fixed decorative items, sanitary ware accessories, image and/or sound appliances, mobile devices (phones, tablets and similar) and other objects that are not a fixed part of buildings or content.
c) Lamps, neon tubes and all types of bulbs.
d) Breakage due to defective installation or fitting or work carried out on the insured objects or on their frames, and breakage occurring during assembly or disassembly.
e) Breakage brought about during refurbishment work, repairs, painting, or work being done to get ready for or carry out removals.
f) Breakage of glass that is not fixed or is not attached to or supported by the item that contains it unless expressly specified in the schedule by taking out the “Extended” option.
g) The effects of scratching, flaking or other causes which produce mere cosmetic defects.
h) Natural or artificial marble and granite installed on floors, walls and ceilings.
i) Breakage of glass in items, property or furniture in the garden or outside the home, unless the Extended Glass Breakage option has been taken out
j) Aquariums and fishbowls.
k) Objects made entirely of glass, marble, granite, plexiglass or fibreglass which are not a fixed part of the property insured under buildings or content and are used for decoration or ornamentation.
l) Japanese toilets and smart toilets.
m) Glass in recreational or sports areas, such as paddle tennis courts, squash courts or similar.
Sum insured: up to the limit shown in the Schedule.
In addition to the above and as long as they are shown as taken out in the Schedule, the cover may be extended to '1.7.1 Breakage of solar panels' and '1.7.2 Breakage of ceramic hobs'.
1.7.1. Breakage of solar panels
The policy covers direct material damage due to breakage of glass and mirrors in solar panels as long as this cover has been taken out.
Sum insured: up to the limit shown in the Schedule.
1.7.2. Breakage of ceramic hobs
The policy covers direct material damage due to breakage of glass in ceramic or induction hobs.
If the assistance and repair services provided by the insurer are used and the glass cannot be replaced, a ceramic hob with similar specifications will be fitted.
If the customer rejects the assistance services proposed by the insurer, the following will not be included in the compensation:
a) The operating mechanisms of ceramic or induction hobs.
b) Under no circumstances will compensation be paid for the total value of the ceramic or induction hob, but rather only for the value of the glass.
However, if the assistance and repair services provided by the insurer are used and the glass cannot be replaced, it will be replaced by a ceramic hob with similar specifications.
Sum insured: up to the limit shown in the Schedule.
1.8. Electrical damage
The policy covers damage caused by short circuits or power surges or by lightning strike, including when there is no fire, to:
a) All systems forming part of buildings as long as buildings insurance is taken out.
b) Electrical and electronic appliances and their accessories as long as content insurance is taken out.
If the insured asks for the insurer's assistance service or has taken out the ‘Extended’ option of this cover and this is shown in the schedule, there will be no limitation based on the age of the appliances insured under content.
If the insured chooses their own repairers and/or has not taken out the ‘Extended’ option, coverage is limited to appliances in content which are no more than 7 years old.
This cover takes effect only if the electrical system complies with legal regulations and the Insured keeps it in good condition by making the repairs or alterations necessary for its proper upkeep.
The damaged object has to be kept until the loss adjuster or assistance repairer have completed their work or on the instructions of the insurer who may ask for any documentation it considers necessary.
The following are not covered:
a) Bulbs, lamps, fluorescent and neon tubes and their elements.
b) Damage covered by the legal or contractual warranty of the manufacturer or supplier, mere maintenance requirements and operations or operational failures.
c) Damage caused by maintenance operations or handling mistakes.
d) Damage to electrical appliances resulting from internal short circuits or causes inherent to the appliance itself.
Sum insured: up to the limit shown in the Schedule.
1.9. Spoilage of refrigerated food or medicines
The policy covers loss or deterioration of refrigerated foodstuffs and/or medicines for family use that are stored in refrigerators and refrigerating units and which is the result of a fault in the operation of these appliances, accidental stoppage due to an internal fault in the insured home's electricity system or a public power cut lasting more than six consecutive hours.
This cover will only be valid for second homes when not unoccupied for more than 10 days.
The following are not covered:
- Damage caused by electrical overloads due to the misuse or excessive use of electrical appliances or in an electrical system that is unsuitable, insufficient or inappropriate for such use.
- Damage caused by a planned and announced power cut, including public or private announcements made by any means.
- Repeated incidents over time which demonstrate the inadequacy, poor maintenance or failure to improve the electrical system despite prior warnings.
Sum insured: at first loss and up to the limit shown in the Schedule per claim.
1.10. Reconstruction of gardens
The policy includes the cost of reconstructing the insured home’s garden and removing trees as a result of damage caused by fire, explosion, lightning strike, wind and vandalism according to the covers and exclusions set out in points 1.1, 1.2 and 1.3.
The following are not covered:
a) The exclusions in '1.1 Fire, explosion, smoke and soot'.
b) Damage to communal gardens which may correspond to the Policyholder and/or Insured as a joint owner.
c) Plants not rooted in the soil of the plot, for example in pots and planters.
Sum insured: at first loss and up to the limit shown in the Schedule per claim. There is a €1,000 replacement sublimit per tree/plant.
1.11. Extended reconstruction of garden
The sum insured in this cover is additional to the one shown in ‘1.10. Reconstruction of gardens’.
1.12. Terrace and garden furniture
The policy covers replacing terrace and garden furniture which is in these places when they are damaged as a result of an incident included in the policy which prevents their normal use.
Garden furniture means tables, chairs, armchairs, sofas, sun loungers, rocking chairs, swing seats and gazebos which are part of the property’s outdoor decoration/equipment.
The following are not covered:
a) Awnings not attached to the building, gazebos not fixed to the ground, shades, parasols, mobile barbecues, plant pots and decorative items not anchored to the ground as well as pool and similar covers.
b) Theft as indicated in '3.4 Theft'.
c) Breakage of glass and windows which is/are an inseparable part of the insured furniture provided that the loss was not caused by cover ‘1.2 Weather events, lightning, flooding, collision, blows and sonic booms’ or the ‘Extended’ option for ‘1.7. Breakage of windows, glass, countertops and sanitary ware’ has not been taken out.
d) Theft of furniture other than garden furniture or other items not considered to be furniture.
Sum insured: at first loss and up to the limit shown in the Schedule per claim.
1.13. Extended terrace and garden furniture
The sum insured in this cover is additional to the one shown in ‘1.12. Terrace and garden furniture.’
1.14. Property for professional use
The sum insured for content includes direct damage to property for professional use owned by the Insured as a result of a loss included in the policy. The cover will take effect when this property is inside the home shown in the Schedule and is used by the Insured in the performance of their profession.
The following are not covered:
a) Storage of objects for sale and jewellery.
b) Objects and goods that are part of samples or catalogues which are held for sale.
Sum insured: at first loss and up to the limit shown in the Schedule.
1.15. Third-party property
The sum insured for content includes direct damage to property owned by people other than the Policyholder or the Insured, provided there is no contractual relationship between them, as a result of a loss covered by the policy. The cover will take effect when this property is inside the home shown in the Schedule.
Sum insured: at first loss and up to the limit shown in the Schedule.
1.16. All-risk accident
The policy covers direct material damage resulting from an accidental, unexpected event beyond the insured’s control as long as it takes place inside the insured home or attached structures and is other than those defined and included in the other covers in these terms and conditions.
The following are not covered:
a) The exclusions set out in the other covers in these terms and conditions and in their general exclusions, except in relation to furniture, non-fixed decorative items, bathroom accessories, television and/or sound equipment that are not a fixed part of buildings or content.
b) Scraping, chipping, flaking, scratching and in general any surface damage.
c) Damage caused by live animals, pets, termites, worms, rodents or any insect infestation or damage caused as a result of an incident covered by ‘ 7. Pests’.
d) Damage due to wear and tear resulting from using the insured property.
e) Damage due to poor upkeep of the damaged property or the property causing the loss.
f) Loss or disappearance of property with no known cause.
g) The cost of repairing mechanical, electrical or electronic faults of any kind.
h) Breaking or cracking of the home’s buildings due to normal settlement of foundations, earth movements or loss of strength of materials.
i) Damage caused by failure in the supply of water, gas or electricity.
j) Damage and property excluded by the other covers in these terms and conditions and by the ones in section ‘VII. Risks not included in general for all covers’.
k) Damage caused by tree and plant roots.
l) Damage to clothing or personal belongings, jewellery and objects of special value, paintings, works of art, vehicles in garages, plants, trees and grass.
Sum insured: up to 100% of the sum insured for buildings and/or content as applicable. If the policy does not have a general excess, there is an excess per claim whose amount is shown in the schedule.
1.17. Illegal occupation
Illegal occupation is when the use and enjoyment of a home by the holder of the right of use, whether as owner, beneficial owner or possessor of the home, is unlawfully impeded against their will or without their consent. Illegal occupation does not include, in particular and without limitation, cases where the occupants have or had, immediately prior to this situation, a lease agreement for the home as tenants, even if they are in arrears, or if they have entered the home with the consent of the owner or holder of the right of use.
This cover has a waiting period shown in the schedule.
1.17.1. Legal assistance
The insurer provides the policyholder/insured with a legal advice helpline.
1.17.2. Illegal occupation disputes
Legal proceedings to recover the insured property by the policyholder/insured are covered.
If the law requires conciliation procedures prior to filing a lawsuit, the insurer will pay the legal costs associated with this process.
Sum insured: the insurer will pay compensation up to the limit shown in the schedule and for at most one claim per year.
1.17.3. Claims for damage to buildings
The policy covers claims for damage to the insured property caused by people who have occupied it illegally up to the limit shown in the schedule, except in cases when under applicable law the occupant is considered to be a vulnerable person as certified by the relevant authorities.
1.17.4. Accommodation expenses
If the home is illegally occupied and is insured's usual residence, the cost of temporary accommodation until the property is successfully recovered is included up to the limit shown in the schedule.
1.17.5. Failure to pay for utilities when the home is illegally occupied
Payments for electricity, gas and water utilities for the insured home during the period of illegal occupation are covered provided that usage is above the levels usual for the home.
1.18. Vandalism by the tenant
The policy covers damage to the insured home's buildings and/or theft of parts of buildings caused by the tenant as a result of vandalism or malicious actions and which are confirmed by loss adjusters after the tenant has been evicted from or vacated the home.
Sum insured: up to €3,000
2. Covers following a loss
2.1. Salvage, debris removal and demolition, mud removal and fire brigade
The policy covers the following proven expenses and/or damage when they result from a loss included in the policy.
2.2. Replacement of documents
The policy covers proven expenses for reconstructing or issuing copies of official personal documents as long as such replacement is the result of a loss included in the material damage covers.
3. Burglary and robbery covers
Burglary. Unlawful seizure or taking away of the property included in this cover without the Insured's consent by means of acts which involve breaking and entering in any of the following circumstances...
4. Liability and bonds cover
The policy covers any compensation the Insured may be legally required to pay to third parties for direct personal injury or material damage and any harm arising from it when they are declared to be liable for the incidents listed below and provided that the cause of such incidents takes place when the policy is in force.
5. Vehicles in garages and when stationary
5.1. Fire, explosion and lightning strike
The policy covers damage to insured vehicles as a direct result of fire and/or explosion and/or lightning strike as long as such vehicles are parked and in an attached structure of the insured home.
5.2. Burglary
The policy covers direct material damage due to burglary of the insured vehicles as long as such vehicles are parked and in a locked attached structure of the insured home.
6. Extension of cover
6.1. Loss of use
Accommodation in a rented property due to loss of use. Accommodation in a hotel due to loss of use. Loss of rent due to loss of use.
6.2. Emergency locksmith service
The policy covers emergency locksmith services and the cost of replacing locks and keys for the insured home’s entrance doors.
6.3. Emergency repairs
If a fault in the private system in the home means there is no power or water in all or part of it, the insurer will send an engineer there as quickly as possible to carry out the emergency repairs required.
6.4. Property on trips and short stays
Covers extended to property included in content which the insured takes with them on trips and short stays outside their town of usual residence and provided that they do not last more than three months.
6.5. Travel assistance
Help with finding and forwarding luggage, forwarding urgent messages, Policyholder's return to the Insured address due to a serious loss.
7. Pests
Definition: sudden and large-scale appearance of cockroaches, rats, mice, fleas, moths, weevils, ticks, beetles, spiders and/or earwigs which may attack and/or destroy property inside the insured home or be a vector of disease. The pest insurance coverage includes one pest control service callout per year.
8. Domestic damage
8.1. Repairs, plumbing and DIY
At the insured’s request, the insurer will provide them with a specialist in the insured home to carry out jobs involving installation, maintenance, small repairs and adaptation of the property.
8.2. IT support
Support from a qualified engineer to resolve problems in using home computers or home technology devices in the insured home.
VII. Risks not included in general for all covers
In addition to the exclusions specified in each cover, the policy does not include in general for all covers any losses occurring as a result of armed conflicts, extraordinary natural events, atomic and nuclear energy damages, bad faith of the insured, cyber losses, among others detailed within the policy conditions.
VIII. Claims handling
1. Notification to the insurer
The policyholder or the insured has to report the occurrence of the loss to the insurer within at most seven days of it coming to their knowledge unless a longer period has been set in the policy.
2. Reporting to the authorities
The policyholder or the insured has to make a report to the authorities specifying any insured property which has been damaged or stolen.
IX. Index-linking sums insured
The Policyholder may agree in the Schedule that the sums insured in this policy are to be increased automatically on the expiry of each annual premium based on rises in the official consumer price index.
X. Regulations
1. Premium for the insurance
The premium shown in the Schedule includes taxes and surcharges. When the contract is concluded the Policyholder must pay the first premium. Subsequent premiums must be paid on their due dates.
XI. Insurance Compensation Consortium
Clause on indemnification by the Insurance Compensation Consortium for losses arising from extraordinary events occurring in Spain in material damage insurance and insurance for land motor vehicle liability.
Compensation for losses caused by extraordinary events occurring in Spain and which affect risks located therein, and in the case of injury to people also those occurring abroad when the insured’s habitual residence is in Spain, will be paid by the Insurance Compensation Consortium when the policyholder has paid the relevant surcharges for it.
REPORTING DAMAGE OR INJURY TO THE INSURANCE COMPENSATION CONSORTIUM: By calling the Insurance Compensation Consortium’s helpline or on the Insurance Compensation Consortium’s website www.consorseguros.es.
XII. Legal expenses
The terms and conditions set out below are applicable to this cover for legal expenses and claims for damage. The insurer will pay for the costs arising from legal representation of the interests of the Insured. Covered costs include legal fees, notary fees, posting bonds, and loss adjuster fees.
XIII. Annex I. List of services in the Repairs, plumbing and DIY cover
The jobs included in cover 8.1. Repairs, plumbing and DIY are as follows:
- General handyman: Putting up curtains, blinds, pictures, coat racks and mirrors. Fitting shower head holders, bathroom and kitchen accessories, shelving units. Installing floor trims and wall corner protectors. Insulating windows (insulation material not included). Moving furniture and appliances inside the home when this does not require changing electrical outlets. Installing electrical equipment such as televisions, DVD players and consoles.
- Joiner: Changing or fitting handles and doorknobs on indoor wooden doors. Changing hinges on small kitchen or bathroom unit orcabinet doors. Assembling newly purchased furniture kits. Gluing wooden chairs, tables and beds.
- Electrician: Fitting or replacing socket and switch trims, light bulbs, neon tubes and fluorescent tubes. Mounting lamps, wall lights or ceiling lights. Examining the electrical wiring. Laying trunking to conceal cables.
- Plumber: Adjusting, changing or replacing taps. Manual unblocking of sinks and toilets. Bleeding radiators. Sealing sanitary ware with silicone. Changing the toilet flush mechanism in cisterns which are not concealed.
- Blinds fitter: Replacing blind cords.
- Builder: Plugging and patching small holes in non-tiled walls caused by drilling.