Contents insurance

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17 Aug 2007 12:00 AM by kenshaz Star rating in Cheshire/Vera Play.... 486 forum posts Send private message

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I have spoken to my Spanish bank about building and contents insurance on our 2 bed 2bath apartment.The value of building is easy ,but how do I estimate the contents .

What have others submitted or been advised upon regarding contents?

What are the dis-advantages of using a uk insurer?



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17 Aug 2007 11:25 AM by kenshaz Star rating in Cheshire/Vera Play.... 486 forum posts Send private message

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Just to throw a spanner into the works ,I just found this statment on the net.

 
 

 

   
 

Are my buildings covered by the community block insurance?

If your Spanish home is part of a complex or apartment block your condominium fees may include community buildings insurance. Each policy differs but generally this cover is limited to communal areas such as walkways and swimming pools. You may find that this does not cover your individual apartment, including ‘fixed items’ such as fitted bathrooms and kitchens.

We often get calls from customers where we insure their contents and their buildings are covered by the community policy. They do not know what this covers until the event of a claim and problems arise. On one such occasion a Spanish holiday apartment was flooded, causing damage to the kitchen units because someone from the apartment above left a tap on. When they tried to claim on the community insurance the insurer would not pay out because the neighbour caused the flood.

To avoid such problems in the long run, you should check what the community policy actually covers before you decide you do not need buildings insurance.




This message was last edited by kenshaz on 8/17/2007.

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17 Aug 2007 11:32 AM by kenshaz Star rating in Cheshire/Vera Play.... 486 forum posts Send private message

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Is any -one aware of what the community insurance actually covers.



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18 Aug 2007 4:47 PM by bobsteel Star rating. 2 forum posts Send private message

we're not aware that there is any community insurance - will check with solicitor before completion.


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