The following post is by Peter Clarke of Insure Spain.
Let’s talk insurance. Yes I know, boring.
Caser took over the community insurance 2 weeks ago. The policy is fundamentally the same as Mapfre and the Axa policy before.
Firstly we need to understand that a community policy is designed to protect the infrastructure, the community. It is NOT and CANNOT protect your home. This has not changed and although we would love it to include everything, it just is not possible. It would be like expecting your car insurance to cover your home. They are two totally separate policies.
In the last 2 weeks I have had 3 emails from Admiburgos from people with Axa and Alianz top up policies that are being told that they are not covered under their own policies for problems that are quite obviously not a community issue such as personal drain blockages, or internal damp issues from the house being locked up for several months.
They are being told to claim from the community by their own insurance brokers.
This is because their policy is either just not good enough or their broker is trying to avoid a claim. Put bluntly It’s quite simply not the community policy problem.
The community policy is one of the best on the market, and for the first time Condado is fully covered against natural disasters such as earthquakes.
If you want me to check your top up policy then please come and see me. Please dont wait until you have a claim and then find you are not covered. I will be on site on Tuesdays and Thursdays 10-12.
I am sure there will be lots of comments and questions. Please dont just say “we should be covered by the community policy” as I’ve said above, it cant, it wont, it never has and never can cover your home. It’s the same with all communities in Spain. Condado is no different.
Have a great weekend
You can contact Peter on (+34) 660 170 355 or firstname.lastname@example.org Insure Spain have a new office open in Al Kasar at Condado de Alhama Golf Resort, so pop in for your insurance related questions.