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Summer is on its way…. But be careful you don’t get burnt and we don’t mean “Sunburn”!

When it comes to home insurance, many of us incorrectly insure our home or don’t get the cover that we think we are getting! In order to get the cover you want, just follow these few simple rules.

  • Ask for a household policy in English (how do you know what cover you have if you cannot read the policy)
  • Security discounts…. Don’t get caught out by being given security discounts when your house doesn’t comply with the full security. E.g Not all your windows have the security bars, yet you have been given a security discount. Your insurers may not pay out if you have a claim!
  • Correct information – Check you have been insured on the correct type of property, eg a detached house in the country, not an apartment in an urbanisation
  • Check the cover provided. Are pools covered? Are outside buildings covered? Are garden contents covered? Are annexes covered? What excesses are on the policy? It is all well and good being given a low price, but check that the cover is on a par with your existing policy. Be wary of companies offering Free Home policies if you take out your car insurance! Some of these policies are offering very poor cover and until you claim, you won’t know!
  • Also, you don’t have to pay a fortune to have a good policy. Don’t be fooled into thinking because you have paid a lot of money for your insurance, the policy is going to be good. Be wary of the banks, their premiums can be very high, but their policies don’t always offer you the cover which you think you are getting.
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Car Insurance – Why should I change?

Here are some of the benefits under the Car insurance, for either comprehensive cover or Third party fire and theft

  • Any driver over 25
  • Courtesy vehicle included
  • Personal contents covered for theft up to 500 euros
  • Breakdown assistance cover within Spain and Europe (free phone contact number provided)
  • Medical Expenses for yourself and passengers
  • Legal cover
  • English Documentation
  • English Speaking claims helplines available 24 hours / 365 days of the year
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Household Insurance – Why should I change?

Many of you reading this will have your insurance with either an Agent or the bank.  If it is with the bank you possibly did this because you have your mortgage with the bank, or it was the most convenient option at the time.  Banks on average charge more for arranging your household insurance!  Now is the time to look at what you are currently paying and what you could possibly be saving if you switch to SOS Insurance. Not only will your policy be issued in English, but you can speak to someone in your own language!

Highlighted below are some of the standard options currently available on our household policy

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What to do if a loved one dies in Spain!

This is something that many of us here in Spain possibly think about, but don’t really want to dwell on too much.  The following is a guideline to the procedures and options available.  It may differ slightly to the area you live in, but generally it is a good guide to how the procedures work here in Spain.

In the event of a death - 1. Call the police.  2. Contact a doctor (if the police do not do this) who will certify the cause of death and issue a certificate of death. 3. A funeral parlour (tanatorio) will be contacted to remove the person (identification has to be provided in order to move the person to the tanatorio). 4. Register the death within 24 hours at the Civil Registry (Registro Civil) which is located in the local Town Hall, However, this is normally carried out by the Tanatorio/Funeral Director. Please note, the majority of these procedures will normally be carried out in Spanish.

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