office 928 537 730
fax 928 537 730
mobile 646 008 496
email info@aibsl.net

 

Home Insurance

I am providing a brief summary of the cover provided. This is certainly the widest cover available in Spain.

Technical details follow:-

Insurance cover against the risks of Fire, explosion, lightning, earthquake, smoke, volcanic eruption.

Subsidence, heave, landslip (subject to a 1,500 euro excess)

Fire extinguishment cost, removal of debris and salvage Storm, tempest and flood (ex. Consorcio –“Acts of God” cover)

Escape of water or oil from tanks, pipes, etc.

Acts of vandalism and malicious damage.

Damage caused by falling tv aerials, trees, telegraph poles. Impact and Aircraft

Consorcio (extraordinary risks such as natural phenomenon or terrorism).

 

Buildings Cover also includes accidental breakage of fixed glass and sanitary fittings, damage to services, leaks, electrical power surges,

Up to 1,000 euros for garden restoration, and 4,000 euros for landscaping

Your legal liability Property owners, and Occupiers and Personal Liability – Limit  1,500,000.00 euros

Temporary Accommodation and loss of rent following an insured loss – limit 20% of Sum Insured

 

Contents cover on a standard basis would include accidental breakage or damage to non-portable televisions and similar equipment, mirrors, glass tops to furniture and ceramic hobs.

Frozen food, power surges etc.

1,000 euros of contents in the open.



To issue a policy we will need the following information.

Proposer(s):

NIE or passport numbers of the Proposers:

Dates of birth:

Main Proposers occupation:

Non- Spanish correspondence address:

Telephone:

Property to be insured in Fuerteventura:

Telephone (Spanish)

Permanent or occasionally occupied

Is property mortgaged – if yes name and address of lender and loan number

Year property built

Property type, i.e. apartment, semi etc.,

How many bedrooms 

What is the built area

How long will the property be left unattended within any 12 month period

Please give details if left unattended for more than a 12 month period.

Alarm Details: Is the property fitted with an intruder alarm that is in working order?

If yes, what type of signalling does the alarm have and is the alarm maintained under an annual maintenance contract. If yes, please give the name of the Alarm Company.

Safe Details: Does the property have a safe installed, if yes, what is the Make, Model and Type

 

Just as background, the premium is based on the following assumptions, please note these are easy to comply with,

 

  • The property is built of solid non-combustible materials

  • The property is more than 300m from river/sea or in an area which is free from flooding

  • The dwelling is in a good state of repair

  • The dwelling is self contained with separate entrance under your sole control

  • The property to be insured is a Legally Titled Private Residence

  • There are no signs or indications of possible subsidence, heave or landslip in the property

  • Neither you nor anyone residing with you have been convicted of, or has any prosecution pending for, and offence other than a driving offence

  • Neither you nor anyone residing with you have been made bankrupt or have a bankruptcy hearing pending

  • Neither you nor anyone residing with you have been refused insurance or had any special terms/restrictions imposed at this or any previous home

  • No claims have been made in last five years

 

Physical security of the property:

 

This insurance assumes the following :-

Your doors have at least the following: Multi lever dead lock or Security dead lock, or Five Lever Mortice dead lock.

Your windows patio and terrace doors have at least the following: Key operated locks with double glazing / security glass / laminated glass, or Kommerling type lever locks with double glazing / security glass / laminated glass, or security metal grills or lockable concertina grills or roll down / electric shutters built into structure with internal bolts on each side, or window / patio doors / balcony doors exceeding 3 metres from ground level are not accessible by any other means.

Our bank details are as follows

Atlantic Insurance Brokers SL Cuenta Cliente (Clients Account)

Sol Bank    IBAN ES 57

Code of Bank  0081

Office 0545

DC 53

Account Number   0001202622

 

Please do not hesitate to contact me if any point needs clarification.