Customer service

We recommend taking the valid bank debit receipt with you. Although it is no longer punishable if you are not able to present it in a traffic control, it prevents unnecessary inconvenience. Furthermore, we recommend having a form of the accident report in the car, which you received from us with your insurance documents. Last but not least, we recommend to have the service number of the insurance company at hand, incase you need a towing service. The company will only meet the costs if the service is ordered by the company, not when you independently commission a towing service.

Usually also people that are not mentioned in the policy are allowed to drive the car. Exceptions are novice drivers and young people. Since the age limits differ from company to company, we ask you to clarify this with us in advance.

Even though insurance is also compulsory in Spain, unfortunately there are still a lot of uninsured vehicles on the road. If you have an accident with an uninsured vehicle, your comprehensive insurance occurs. If you have no fully comprehensive coverage, the Spanish insurance consortium would step in, but with a high deductible and, as experience shows, years of waiting time.

Yes, if we offer you a premium for a fully comprehensive insurance, this is always the overall premium.

There is no uniform refund system in Spain, as in some other European countries. However, the companies we work with acknowledge refunds from abroad on a pro-rata basis. All we need is an current confirmation from your insurer abroad with the name of the person entitled to the discount and the level of the no-claim discount.

We always recommend, if it is not a minor damage, to call the police. If there were any witnesses of the accident, this can be a great help in the settlement of claims. In addition, we advise you to fill in the form of the accident report you received from us with your contract (in Spanish).

It is true that most property communities have insurance for the building (a so-called comunidad policy), but coverage is often insufficient. A common recurring problem are the water pipes in their own apartments.

You should set this sum in such a way that it can replace your household contents in the case of a "total damage" (eg by a fire) as it was before the damage occurred.

Yes, either directly through the insurance company or (from certain wind speeds) through the insurance syndicate.

Apart from the fact that the insurance companies are affected by the general price increases, these are always reinstatement insurance. This means that your insurance sums are adjusted annually to avoid being underinsured at some point.

Basically, you can consult all doctors who work with the respective insurance company. With the extended rates you can also visit those doctors and clinics that are not affiliated with the insurance company. However, these are always private doctors and private clinics, as statutory doctors and clinics of the social security system are not included.

Yes, it is an essential prerequisite, that you have a Spanish tax identification number.