GENERALI HOGAR insurance policy offers the following guarantees for the dwelling:
- water damage
- burglary and vandalism
- natural calamity
- Civil and third-party liability
The Contract also provides for extended guarantees, such as replacement of glasses, mirrors and sanitary ware; replacement of home appliances failed due to electric power outage, aesthetic restoration etc.
Average price for a 100 m2 flat is approx. 165€ per year; for a 250 m2 villa - around 460€ per year.
There is no need to revise the property when signing the contract; it is drawn up on the grounds of information provided by the client.
To formalise an insurance contract you should fill out a corresponding form, but there is no need to provide any additional documents of title to the property.
GENERALI HOGAR insurance policy may cover a second or vocational home; it should be originally stipulated in the contract.
To formalise a GENERALI HOGAR insurance policy correctly it is important to assess risks correctly, taking into account the following:
- is the dwelling permanent place of residence or a second residence;
- which security measures were taken;
That said, and taking into account all pitfalls, the decisive factor for the best insurance – is the competence of the insurance agent.
If all necessary information is available, the GENERALI HOGAR insurance contract may be signed on the same day of application.
It is possible to transfer an insurance policy subject to the following:
Timely, at least one month before the contract with the bank lapses, notify the bank in writing about termination of the insurance contract.
Along with the notification send to the bank a new insurance contract that covers the bank’s interests under the mortgage.
Expert Seguros helps its clients to draw up a good in law letter for the bank and includes in the GENERALI HOGAR insurance contract all the parameters required by the bank for the object of pledge. In this way, no bank may refuse to accept the transfer of insurance policy.
In case of an insured event, the holder of the GENERALI HOGAR policy should contact Expert Seguros at 965830953 or 629 856 058.
Than a case will be open and all actions required to repair damage or pay a compensation will be taken.
First of all the damage shall be evaluated. After an insurance case is open, an expert –perito- will take care of this.
Then, there are two options:
- the company will assume responsibility for realisation of all reparations required, completely;
- the insurant may carry out the reparations himself, and provide the corresponding invoices to the company for refund.
Yes, it is possible to formalize your contract remotely, without visiting our office personally. You only need to send required documents and a signed form by e-mail; your contract will be sent to you in the same way.
Later you may collect you contract at the office and sign the contract personally.
(Ilf and Petrov)