Another consideration when it comes to contents insurance is the term new for old. The Spanish word for insurance is seguros so Liberty Seguros really means Liberty Insurance. Annual Multi Trip Travel Insurance provides you with the freedom to travel as many times as you like during a 12 month period, and is available to people up to 79 years of age. At Liberty Insurance we offer a range of insurance cover options for your holiday home and its contents. That’s why Albox Insurance believes you should be the one to decide how to protect it. Should I Buy a Used (Secondhand) Car in Spain or Import My Car Instead??? It is false economy to pay monthly as you invariably end up paying more as interest is charged. All home insurance benefits are subject to the terms and conditions of the policy. Another way to estimate the rebuild cost of your property is to know the square metres you have. One of the important things to consider when taking out insurance in Spain is the after sales service should you need to make a claim. I have home insurance with Liberty Seguros through Knights in Estapona, recently had a water leak problem and they were excellent, my damage claim and the water damage to the apartment below us has been agreed very quickly, they had a loss adjustor out to inspect the day after I reported and claim agreed within three weeks (even though it is August when most of Spain takes the month off). Liberty refused to pay on the grounds that only two rooms were damaged. Log In. For good reason most insurance companies see holiday homes as higher risk. Learn how your comment data is processed. This household insurance has a useful telephone helpline which is available 24 hours a day every day of the year. Registered Irish branch: Dublin Road Cavan, no: 904632. I have 5 policies with Liberty Seguros, my neighbour in the penthouse flooded my apartment and Liberty had to do was to contact the community insurer. Our Annual Multi Trip policies offer the greatest flexibility of all our products: you can choose how many days per trip you would like to be covered for either 17, 32, 45 or 90 days. A month later we are still waiting for the assessor to file his report so that the claim can be processed. When it comes to claiming on your policy you need to be very careful that there are no exclusions which the insurance company can use to get out of paying out on the claim. Items that are movable such as furniture and all your personal possessions will not be covered, basically the house and anything that doesn’t go with you if you moved house would come under the buildings insurance, anything else should be put under your Spanish home contents insurance. Had the rear screen of my Citroen C5 broken (Spain)So far car has been off road for about 8 weeks. We have insurance such as car, house, motorbike, boat, with a wide range of coverage. Unique to Liberty is the designated driver option instead of the car being insured for any driver which is usually the case in Spain. They were happy to leave us stranded on a French freeway and had it not been for the French emergency we would still be there. LIBERTY EXPATRIATES - A SPANISH INSURANCE COMPANY IN SPAIN. Legal fees for taking them to court and getting them out of your property, property damage and a host of other inclusions related to property rentals in Spain. This site uses Akismet to reduce spam. Most policies are term policies and run for a fixed number of years that can be extended if required. Let’s also produce a list of the other benefits of taking out a home contents insurance for your property in Spain. The Liberty Basic home insurance keeps the premiums low and gives you all, what we would call, the essential insurance covers. Wish clarification could resolve this, as I am soon to bring this car into Spain. Cover starts from the receipt of the first life insurance premium and a series of options such as payment or income for total or permanent disability are available. With Asssa Seguros you will have the best health care available to expats in Spain. You should then see a message below which indicates your message was successfully sent. Below we cover the various different types of home and house insurance in Spain, these include: What would happen if you were burgled and items potentially worth thousands of pounds or thousands of euros was stolen? Another reason for exclusion could be if your home has been unoccupied for a long period of time so make sure these items are not included in the small print for exclusions. Calle Candida Peña 8 (5,375.56 mi) Las Galletas, Spain 38631. The HONEST Truth from Real People (Expats) Living in Spain.. Get to Work in a Job in Spain in 2019 – The Honest Truth About Working in Spain…, I Hate Spain – Why I Hate Living in Spain & Why I’m Leaving. If in doubt go to an English-speaking broker or English-speaking insurance company offering home contents. Liberty’s Spanish car insurance highlights include roadside assistance which is included in your premiums and includes breakdown assistance from your home, extended travel assistance cover, discounts for safe drivers with no claims discounts of up to 55% and finally the value of the vehicle is considered as new for total loss, fire or theft claims during the first two years. Consider what would happen if the worst scenarios came true – clearly the odds are they won’t – but they are possible. When contacting the telephone number of the service required please have the following details to hand:-Policy number, Name and Surname, Address and your telephone number. This is especially important because if for example a visitor to your property in Spain slips and breaks their back (maybe by the pool for example) the medical claims and costs could be absolutely huge and could wipe you out financially for the rest of your life. Registered in Spain: No. Our car arrived at our home 9 days later and I am now carrying out the necessary repairs. CAR INSURANCE. Your family will also receive a monthly income in the event of your death. Calle El Puntal, 99, 04648 San Juan De Los Terreros. Get a Quote. ( fire in the house, 350 euros rejected without reasons ), Ihave vehicle insurance with them for my motorhome and when returning from France in August 2015 I had the misfortune to have a problem. If somewhere you need to feel calm and relaxed, that is your home. 08002 Barcelona. All risks cover. Very impressed with the excellent service we had from Liberty Seguros, Albox , Spain. Many people looking to get some form of insurance often look for the cheapest price in the marketplace. There are much better alternatives if you are looking for pet insurance in Spain, so contact us for details. Usually you and every other owner will pay a community fee either annually or monthly to cover these expenses. Shocking. Liberty Boat insurance provides for the mandatory civil liability insurance, material damage and economic loss and public liability insurance in the event that others are injured. Really? Liberty Expats is an entirely separate division of Liberty Seguros in Spain, with insurance professionals that speak most of the Foreign languages in Spain. We called Liberty the next morning who arranged a breakdown truck to take the car back to our home in Spain. As the longest serving agents for Asssa in the area Albox Insurance is the best place for any queries regarding health insurance. Business and commercial insurance in spain covers such things as fire and theft, flooding and all the usual things including loss of income, goods insured, and one of the more important covers is the liability insurance   in Spain. Spain is relatively new to the phenomenon of price comparison sites which are much more common in other countries. Registered in Spain: No. whether it is an everyday classic, a weekend hobby, or something more extravagant. My neighbor is building on her terrace, which is my outside roof, and caused a large water damage throughout my apartment. Excellent information and advice to start the research. Equally all sorts of damage can occur inside your home due to natural disasters such as a freezer not working resulting in a minor flood or maybe a bath overflows. I cancelled the policy and they then offered me €863. But the main difference of course would be the vulnerability to crime. This site uses Akismet to reduce spam. Contact us; Find a local agent; Travel Assistance Helplines; Call us on 91 342 25 49. To mitigate those risks, liberty Seguros have designed a specific house rental insurance policy in Spain to protect you from such things as loss of income, if your client defaults on the agreement. I have worked in Insurance for over 30 years. They arranged a taxi to come from Bilbao to Sarbes and take us to Bilbao airport where a hire car was booked for us and the next day we drove the1,036 kilometers back to Almeria Spain. Car & Road Tax in Spain – Everything You Need To Know Explained SIMPLY…. We provide assistance at all times and in case of any unexpected event. International Schools or Spanish State Schools? what a joke this company is. My neighbor is still waiting 18 months after the flood for any sign of payment and have had to lay out money for repairs to expensive aircon repairs, there is no sign of liberty acting fairly, I am at a loss of where to go from here.

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