contratar pólizas de seguros

Recommendations to hire or review your insurance policies

Before you read on, we want to warn you that we dont have  the intention to sell you any type of insurance. Not much less! We are simply going or I am going to try to make you take a moment to reflect and think about what you intend to explain to yourself regarding the world of insurance.

After so many years dedicating myself to the insurance sector (more than 22 years), today, I continue to be surprised by how little knowledge we have of everything related to insurance policies.

It’s surprising that most people don’t know how to fill out a simple, friendly accident report, but we do not know basic concepts such as policyholder, insurance, content, container, etc. among other topics. In addition, we have the habit of making a policy and not updating it and in many cases they are outdated because our circumstances have changed.

Why are insurance policies important?

Our world as we know it could not exist without insurance. The more industrialized a country is, the more everything related to this activity is developed and, nowadays, we cannot circulate without compulsory insurance, nor can we go hunting without specific insurance or without civil liability insurance when they give us a opening license, for example. There are many compulsory insurances and they increase every day.

Of course I recognize the bad reputation that insurance has, but it is preceded, in large part, by the little knowledge we have of them. They are contracts and as such, they conform to the definition, clauses… etc. It is true, they are complex, and for this reason we cannot enter into laziness and pay adequate attention to it.

I want to ask you a question: How much time do you spend learning about your contracted policies? It is only the employer’s obligation to look at his policies and no one else’s, all the time he invests in this matter will take away countless headaches. Think that you are working on your business all day, that you have a large part of your assets invested in it, and if an unfortunate event were to happen tomorrow, it could even cause the company to close.

I beg you to make the decision to see your policies and make an appointment with a professional, with your insurance agent or broker, in case of what you have in the bank, I recommend that you also call a specialist, check if they have coverage your needs, check the insured capital and coverage. Every time your business undergoes changes (increase in staff, increase or decrease in billing, changes in stock, among others) talk to your agent or broker. And, once a year, check with your advisor that everything is correct.

Because if we take a car to review every year, how are we not going to check that our patrimony are safe? I can assure you that you will sleep more peacefully and if I do this, it will be more difficult for the insurance company to pay you less in a claim than your share.

We help you with your insurance policies

For our part we will be happy to advise you on everything you need. We have been in San Pedro Alcántara for more than 30 years and we are exclusive agents of Seguros Ges. We are serious and professional, and we will be happy to visit you or assist you in our facilities.

comprar una vivienda en un país extranjero

Why should you insure your home in Spain?

When buying a home in a foreign country, and in this case in Spain, certain precautions must be taken, one of which is home insurance. Insurance in Spain may be different from countries like England, Holland, France, among others. The important thing to start with is to find someone to advise you throughout the process. We have been advising clients throughout the Costa del Sol and many other places in the country for more than 30 years.

Reasons to buy a home in a foreign country

We are going to focus in this first article on some issues that you should know.

Insurance offered by banks

Do not trust the insurance offered by banks, not because they are usually more expensive, but because they give a lousy service.

Community insurance

Even if you have insurance, the community does not mean that you should not insure your home. You should bear in mind that community insurance usually only covers basic fire damage and not all parts of the home in question. In the same way, they only insure the community pipes but almost never the private pipes of the property.

Community insurance is very basic. For this reason, you will have to insure your continent, because it may be the case that the community insurance is not in force for various reasons and you do not have to take that risk.

Obviously, its content must be quantified and you must tell your insurance agent the value of everything you have inside your home, such as the kitchen, furniture, decoration, clothing, etc. And list the items that exceed more than 4000 euros unitarily. Regarding jewelry, you must specify what jewelry you want to insure and if it will be kept in a safe (it is very important that the box weighs more than 100 kg or is built into the wall) or outside of these. In this case you will have to have security measures to have a good price.

It is advisable to take out home insurance

In Spain, home insurance is not mandatory by law, but it is highly advisable that you have it contracted for your peace of mind.

If you need advice, you can contact us and we will help you.