6 months ago ·
by Thomas ·0 comments
Not 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.
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.
7 months ago ·
by Thomas ·0 comments
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
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?
does buildings insurance cover?
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
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
the cost of contents:
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.
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.
is also important to declare any high valuable objects as in General policies
have a limit on single articles without being declared.
policies are very complete but you can also add cover if required, a few
examples would be:
damage cover For contents / Buildings
Public Liability Cover
Dog liability cover
risk cover for declared objects/ jewellery
list goes on, we can gladly go through this when we go through the quote
queries or quotes please just contact us through our Website or phone us on 966
493 762 or 660 417 933.
8 months ago ·
by Thomas ·0 comments
Many 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
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
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
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
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.
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.
9 months ago ·
by Thomas ·0 comments
In 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
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
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.
Find out more about travel
insurance by contacting us either via phone or email and we will gladly go
through some quotes with you.