In order to sail in Spain, it is compulsory to take out civil liability insurance for all motorboats, or for sailing boats longer than 6 metres (Royal Decree R/D 607/1999). What does boat insurance cover? The boat insurance is intended to protect pleasure boats, both motorised and sailing, and in most cases...
What should I do if I disagree with the refusal of my claim? Cover claims. This is the goal of any insurer. However, this goal is not always achieved by insurance companies. There are several ways to get back to your insurer if you disagree with them. Apart from the judicial...
Travel insurance and COVID19: what does my travel insurance cover? Travelling with the coronavirus has become a real odyssey. Fear and the closure of the perimeter of several regions of Spain have led many travellers to prefer to postpone their visits or cancel flights already booked until the curve of this...
Self-build: Building my house in Spain and Insurance If you are considering self-building your home, it is advisable to know what self-builder insurance you may need in order to protect you and your house/flat you are building. In Spain, you will not be obliged to take out insurance for the...
Medical network of insurance companies: Guide to understand how it works Medical network : How does it works ? You have taken out health insurance and now want to go to the doctor. You will need to consult a doctor that is affiliated to your insurance company. With your insurance card, coverage...
Community Insurance in Spain: All you need to know in 6 questions Communities of property owners and building is exposed every day to multiple risks which require the availability of urgent and necessary services to face them. It is therefore important to take out insurance, called in Spanish “seguro de comunidad”...
Contractors All Risks construction insurance: What does it cover? Why take out Contractors All Risks construction insurance (CAR)? The purpose of All Risks construction insurance (CAR) is to cover material damage occurring on the construction project (example: fire, landslide, incorrect operation of a machine, etc.) The policyholder is generally the promoter, the main...
Construction insurance in Spain: How to choose the right one? Julia Jannin, Managing Director at Inov Expat, helps us to better understand how insurance that protects construction in Spain works. Three legal obligations In Spain, the construction sector is regulated by the LOE (Ley de ordenación de la Edificación) of 5/11/1999. This law consists...
Company Civil Liability Insurance: all you need to know in 3 questions! As a professional, you can cause damage and injury to third parties and it is important to take out liability insurance that is adapted to the specific risks of the company. Why take out Civil Liability insurance? By law, you are...
Differences between Business Liability and Professional Liability Business Civil Liability insurance or also called General Civil Liability covers damage caused in the course of the company's activity. Business liability and professional liability seem quite similar, but they are different concepts. Insurance that includes professional liability cover mainly covers economic damage resulting from...
