- What options are available with this insurance?
- What coverage can I get?
- What documents do I need in order to take out a policy?
- What does the mandatory insurance cover?
- In the event of a claim, what should I do?
- What does the Legal Defence option cover?
What options are available with this insurance?
Unión Cars offers four basic options: minimum, basic, basic extra and plus. You can also personalise this insurance by combining the coverage options that best suit your individual needs with the "Made to Measure" option (as pictured).
- Is home insurance necessary?
- What coverage can I get?
- If the apartment building is already insured, do I need to insure my home?
- How can I calculate the value of my home?
- What happens if the amount for which I insure my home is incorrect?
- Is the insured value automatically updated or must it be reviewed every year?
- If my home is mortgaged, can I take out an insurance policy with Unión Alcoyana or do I have to accept the bank's insurance?
- Can I take out the policy if I rent a flat?
- Are my children insured through this policy?
- What should I do if I purchase more things and I want to include them in the policy?
- What is covered by the Medical Advice guarantee?
- What is covered by the Computing Assistance guarantee?
- How can I insure jewellery and valuable objects?
- What should I do in the event of a claim?
Is home insurance necessary?
A family's greatest asset is usually its home, and we all know the great efforts this requires, which is why we can understand the desire to protect it from any problems that might threaten it.
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What coverage can I get?
Basic coverage:
- Medical, social, psychological and nutritional dietary assistance.
- Computing assistance.
- Legal protection in the home.
- Fire, explosion and lightning strike.
- Water and electrical damage.
- Robbery outside the home.
- Journeys and temporary relocations.
- Foodstuffs in the refrigerator and vitroceramic plates.
- Lock replacement.
- Credit cards and replacement of personal ID card (DNI) and driver's licence
- Cosmetic damages, damages by collision and/or sonic waves.
- Acts of vandalism and malicious acts.
- Rain, wind, hail and snow damage.
- Smoke damage and damage from spillage or accidental operation of fire-fighting equipment.
- Flood damage.
- Trees and garden plants.
- Dages arising from an incident.
- Forced eviction.
Optional coverage:
- Civil liability.
- Robbery and theft.
- Jewellery and objects of special value.
- Windows, sanitary ware and marble items.
- Vehicles in the garage.
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If the apartment building is already insured, do I need to insure my home?
We must inform you that, even though the apartment building has a communal insurance, it is advisable to take out home insurance, since the building's insurance only covers damages to communal elements. Therefore damages to private property and damages to third parties caused by private property would not be covered.
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How can I calculate the value of my home?
The value of the home must be calculated based on the reconstruction value, taking into account the surface area in metres squared (including adjoining buildings such as garages and storerooms, etc.) and your share in communal elements.
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What happens if the amount for which I insure my home is incorrect?
The following may happen if the amount for which your home is insured is incorrect:
- The insured value will be lower than the value of the insured property. In this case, the compensation will be reduced to the same extent as the value that exceeds the insured amount. It is therefore important that the insured values given reflect the exact value of the insured objects.
- If the insured value is higher than the value of the insured property, then in the event of a claim you will only be compensated for the damages actually suffered, so it is important to establish the correct insured value.
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Is the insured value automatically updated or must it be reviewed every year?
The agreed principals and premiums are automatically updated when the policy expires each year, based on the variations in the general retail price index. This does not apply to capital limits and excesses expressly established within the policy, or to guarantees concerning vehicles in garages or guarantees at first loss.
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If my home is mortgaged, can I take out an insurance policy with Unión Alcoyana or do I have to accept the bank's insurance?
If your home is mortgaged, you can indeed take out insurance with Unión Alcoyana. The Bank of Spain obliges banks and building societies to provide mortgages only for buildings that are insured, regardless of which insurance company is used. The insured party is therefore free to choose which insurance company to use and it is in fact against the law for banks to force you to use any one company in particular.
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Can I take out the policy if I rent a flat?
If you live in a rented flat you can only take out an insurance policy for the part concerning contents, although it would also be wise to insure a minimum amount for the premises in order to cover small risks as there are some small risks that are only covered by insurance for the premises itself and which could save you from various potential headaches in the future.
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Are my children insured through this policy?
The civil liability guarantee includes direct civil liability derived from your own actions, such as the responsibility arising from actions by persons for whom the policyholder must answer civilly.
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What should I do if I purchase more things and I want to include them in the policy?
As a general rule, each time the policy expires it is revalued in accordance with the general retail price index, with it being advisable to modify potential increases in capital each time the policy expires. If at any point you buy an object of significant value, it should be included in the policy immediately, without waiting until the policy elapses.
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What is covered by the Medical Advice guarantee?
Medical Guidance:
This service is run directly by a medical team who, although they cannot make a clinical diagnosis or prescribe any medication, can offer the following:
- Symptomatology, pharmacology and the interaction of medications.
- Explanation of analyses.
- Queries regarding diet and nutrition.
Social Guidance:
Through this service, a team of social experts will directly attend to any social-related queries you might have, including:
- Information on all the social aid and resources available and how to access these (hospitals, association, fire brigade, specialist centres, funeral homes, etc.).
- Guidance and advice regarding personal, family-related and social problems.
- Guidance and advice regarding the processing of social and economic resources within this field.
Psychological Guidance:
This service includes:
- Initial help in times of personal crisis, anguish, anxiety and so on…
- Psychological support in certain special circumstances: accidents, bereavements, etc.
- Psychological support for domestic abuse…
Dietary and Nutritional Guidance
This service includes:
- Guidance on balanced diets and eating habits.
- Dietary advice for specific pathologies (cholesterol, hypertension, etc.).
- Advice on eating disorders.
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What is covered by the Computing Assistance guarantee?
Remote Computing Assistance:
This service allows the policyholder to receive assistance regarding the hardware, software and Internet connection on their personal computer. More specifically, the services included are:
- Help with the operation of supported applications, tools and communications.
- The installation and removal of supported applications.
- The updating of versions for the software supported, so long as the policyholder holds the appropriate licence or the update is free of charge.
- The configuration of operating systems and supported applications.
- Advice on the hardware and software requirements for applications.
- The installation and configuration of peripherals (printers, fax machines, scanners, etc.).
Home Computing Assistance:
Unión Alcoyana will provide the aforementioned services at home upon the policyholder's request, in which case all of the costs arising from the service (travel expenses, labour, materials, etc.) will be borne exclusively by the policyholder.
1.3 Home Technological Assistance:
This service allows policyholders to contact a qualified technician by telephone or Internet chat facility in order to obtain general support regarding the use of technological devices such as TDT (Spain's digital television), DVD, Blu-Ray, digital camera, digital video recorder, digital photo frames and mobile phones.
Online Back-Up:
This service includes:
- Installation of the back-up programme during a remote session.
- Configuration of the programme to automatically make back-up copies.
- Advice on which files to include in the back-up.
- Recommendations on the creation of usernames and passwords for accessing the service and the information stored in the online back-up copy.
- The maximum size of the online back-up copy is restricted to 3 Gb.
1.5 Data Recovery:
This guarantee is offered on the internal data storage medium owned by the policyholder. Should it prove impossible to fully or partially recover the data, the policyholder will not be indemnified or compensated, and thus the insurance company (and the service provider) accepts no direct responsibility. The services included in this guarantee are:
- Telephone assistance for the policyholder.
- Assessment and diagnosis of the damaged medium.
- Recovery of data where possible .
- A new medium where possible, of the same or a higher specification than the damaged medium if it cannot be reused or a DVD (depending on the medium and the volume of data to be recovered).
- Transportation of the medium with the recovered information from the laboratory to the address insured by the policy.
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How can I insure jewellery and valuable objects?
You can insure jewellery and objects of special value with us. Jewellery and objects exceeding a value of 1,500 € per item must be individually described and a copy of the receipt provided. If no receipt is available, a photograph of the item will be required.
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What should I do in the event of a claim?
In the event of a claim, you must contact your Unión Alcoyana broker as soon as possible. Your broker will then immediately process your claim. You may also use the 24-hour hotline if the matter is urgent or if the incident occurs outside of office hours.
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