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Everything you need to know about Caser Home Insurance in Spain

We want you to rely on us

When you take out something as important as home insurance in Spain, it is essential to be informed about everything.
Although we aim to tell you everything about our home insurance products in Spain, there will always be the odd doubt.

Your contract

How do I renew my home insurance?
The period of your insurance Coverage is one year. 60 days before the end of your contract we will send you the renewal information. At this time, you can call us to amend the conditions of your home insurance policy and automatically renew.
Can I cancel my Coverage at any time?
You have the right to cancel your contract whenever you want. In this case, however, Caser is under no obligation to return the part of the premium that Coverages the remaining part of the contract. This means that if you take out a policy in May and cancel in December, the amount that remains until May of the following year will not be refunded.
How do I decline the renewal?
Before renewing your insurance, Caser will advise you of the renewal terms. If you do not wish to continue, you can advise us of this in writing.
I want to take out a home insurance policy for my property, but the bank with which I hold a mortgage states that I have to insure my property with them. Is this true?
When you are granted a mortgage to buy a property, the financial entity will require you to take out an insurance policy, that Coverages at least third party fire and theft, to a minimum amount which is equal to the value of the mortgage. Nevertheless, you do not have to take out insurance with the insurance company that they offer you. You can also do so with any other insurance provider and forward a copy of the policy that you take out to your mortgage provider.

In the event of a claim, the financial entity will charge the compensation directly, up to the limit of the amount repaid on the date of the incident.
At what point is a policy in place if I take out insurance Coverage online?
The insurance is in place as soon as you have paid the corresponding premium.

Everything you need to know about your Coverage

How do I customise my Caser Multi-Risk Home Insurance?
With Caser, you can choose the Coverage that you really need. As you can see in Coverage (link to Caser Home Insurance), there are four types. Basic Coverage and Civil Liability are mandatory parts of your policy. The Optional Coverages and Special Coverages can be added according to your requirements.
My house is also used as an office, are the furniture and professional equipment Coverageed?
Yes, you can insure the property as long as it is used as a house and complies with the required living conditions, however it will continue to serve a different legal purpose. What is not Coverageed are accidents that occur in the pursuit of a profession. If you are a painter or sculptor, therefore, or you renovate classic cars, it is better to have a specific place for this activity and a Professional Liability Coverage in place [link to Professional Liability Coverage].
How do I calculate the value of my property?
Our premium calculator is designed to help you. With just a few simple questions we will suggest a value. The information that we need and that we will request throughout the process of calculating your premium is as follows:
 
  • Type of property
  • Area M2
  • Quality of the property
  • Use of the property
  • Province where the property is located
  • As well as to calculate the value of the property, this will help us to establish the value of your furniture and furnishings.

Your questions in the event of a claim

What do I need to do if I have an incident at home?
The first thing that you must do is to take necessary measures to reduce the consequences of the incident, always within the margins of safety. Having done so, you should get in touch with Caser to inform us about the circumstances and consequences if the incident. Caser sets a maximum term of 7 calendar days since the event. For robbery, theft, assault and malicious acts, you must file a report which lists the objects which have been damaged or stolen.

Caser provides 24 h telephone assistance 365 days a year, as shown in the terms of your policy. What's more, if you are registered with our e-client, you can register a claim online. It's that easy.
Some of my roof tiles were damaged in the storm tonight and part of the roof has come off - am I Coverageed?
If you have insured the structure, i.e. the property, this damage is Coverageed, as long as the wind speeds that caused the damager were greater than 80km/h.
I don't have an anemometer at home - how can I check the wind speed?
Don't worry, it's normal. In order to verify intense rain or wind speed you will need to request a report from the relevant authorities .If damage is sustained to third party property, it will also be Coverageed by your Civil Liability insurance.
My child left the tap on and the water has leaked through the floor to the property of the neighbour below - what now?
Call the plumber and check out the damage to your neighbour’s property. Don’t worry, damage to your belongings are Coverageed by the Water Damage Coverage and damage to your neighbour's property by the Civil Liability Coverage.
Tonight the garages were broken into and various doors were forced, including mine. Various items were stolen from me - am I Coverageed?
Yes, burglary from outbuildings is Coverageed as long as the outbuilding has its own lock and you have contents insurance Coverage. Damage caused during burglary or attempted burglary is also Coverageed. Nevertheless, remember that theft of jewellery or objects of special value is not Coverageed.
I have just been mugged in the street> My bag with mobile phone and my wallet was taken - am I Coverageed?
Yes, as long as you have selected the robbery Coverage, your belongings are insured for up to €1500 for objects (wallet, mobile phone, etc.) and up to €300 for theft of cash. You will need to present the crime reference.
There was a power cut and, when the power returned, there was a power surge which damaged several switches - what should I do?
Call us on 902 352 035 so that we can arrange for an electrician to come to your house and find a solution as soon as possible.
The technician had to change several circuits and the socket housings that I have throughout the house are no longer manufactured. Will you change the old socket housings throughout the rest of the house to match the new ones?
Yes, provide that the damage is Coverageed by the policy and you have selected cosmetic damage Coverage. The costs to establish an aesthetic coherence of the affected area will be Coverageed, within the limits of your policy.
A branch from a tree fell on the garage during a storm and damaged my car which was parked inside. Who Coverages me in this situation?
If your car insurance does not extend to damage in the garage, don't worry, because if you have the vehicle and vessel Coverage, we will take care of this damage. If your car insurance Coverages this type of damage, they will take care of the damage. If you hold a car insurance policy with Caser, we will find a solution as soon as possible. Check out Caser Auto Car Insurance [link to car insurance Coverage].
How long will Caser take to compensate a claim?
In any case, Caser must pay, within 40 days of receipt of the declaration of the incident, the minimum amount that it will owe according to the facts of the situation.

Your questions about billing and payments

Can I pay my Caser Home Insurance premium in instalments?
Caser Home Insurance offers the possibility to pay in six-monthly or quarterly payments, provided that the value of the payment is greater than €30.
What is the method of payment?
Currently the only method of payment accepted is direct debit.
There is a problem with my banks and the payment has been returned, what should I do?

Contact our team on 902 352 035 and we will find the best way to complete payment.

 

DATA PROTECTION

As required by the data protection legislation in force, we inform you that the data you may provide to us will be processed. Below you will find the basic information on the processing:

Controller

CAJA DE SEGUROS REUNIDOS, Compañía de Seguros y Reaseguros, S.A.- CASER

Basic purposes and legal basis

Purposes

  • a. Execution and performance of insurance policy or pension plan.
  • b. Fraud prevention.

Legal basis

  • a. Necessary for execution of a contract or preliminary agreement.
  • b. Fulfilment of legal obligations.

Other additional purposes and legal basis

Purposes

  • a. Profiling and distribution of commercial information.

Legal basis

  • a. Legitimate interest.

Recipients

Reinsurance companies or coinsurers. Caser Group’s companies. Entities engaged in fraud prevention. Public Administration authorities.

Rights

Access, rectification, erasure, portability, restriction and objection to processing, by mail or e-mail, including proof of your identity.

Data Protection Officer

Postal address: Avda. de Burgos, 109 28050 – MADRID
E-mail: dpogrupocaser@caser.es

Additional information

Please refer to the additional detailed information available on our website:  www.caser.es/proteccion-de-datos.

Aenor

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