Insurances ...

Insurances

Once you have decided to go on journey there are some risks involved; when in addition to the trip you also have a property abroad you want to limit these risks. At the Holiday Home Vision group, we have two types of insurance; insurance against risks during your trip and vacation and insurance related to your home in Spain for permanent or temporary residence. The travel insurance is carried out in cooperation with the Europeesche Insurance, one of the most renowned Dutch insurance companies specializing in travel and leisure insurance. We offer our customers when booking online the possibility to close a damage insurance when using a holiday home, and a travel cancellation insurance. Should you have to cancel a booking for any reason, you keep the obligation to pay, and that risk can be covered by this insurance. If you own a home abroad, then you'll want it to insure against fire, burglary and other damages that may arise. For these policies, we work with an insurance agent within our group that is working amongst others with AXA Insurance. They can make you a suitable offer. As a house owner, you might want a car, motorcycle, scooter or boat, and you will probably also have to deal with a health insurance, issues that our insurance expert can tell you all about. Below we highlight a few insurances and give you some tips based upon our experience.

 


Damage insurance ...

An accident can happen quickly, and this certainly applies to damage to the holiday home or villa you rent, and obviously do not know as well as your own home. When booking, or upon arrival, you will have a paid a deposit, and in the case of damage, the owner of the property is entitled to claim damages. Not a nice ending to a pleasant holiday. For a small percentage of the booking you have the option to insure against damage up to €2,500 to the house and garden with the Europeesche Insurance company. Thus you are protected against possible costs afterwards. An added benefit is that the deposit is reduced by 50% at a number of houses.

 


Cancellation insurance ...

You go on vacation and decided to rent a holiday home or villa. The cost of the trip, along with the rent of the house, will run into a lot of money, and once you have confirmed the booking you have taken on a payment obligation. Even if you have not paid the whole amount yet you'll still keep an obligation to pay when cancelling. (read the terms and conditions applicable in case of cancellation carefully) If you have to cancel for reasons that fall within the coverage of the policy, such as illness, accident or death in the immediate family and you have opted for the cancellation insurance while booking, you will be covered for these costs. The premium for this insurance will be between 5.5 and 6% of the booking; the relatively high premium indicates that the risk to the insurer is great. More trips than you probably think are canceled due to unforeseen circumstances. It is therefore wise to cover the financial risks that cancellation entails.

 


Health insurance ...

People who move and become resident in Spain have to deal with health insurance in the country of residence if they cannot be insured from their home country. Health insurance is offered by many companies. There are many differences in these policies, it is therefore very important to know what you can expect from the insurance and what the insurer excludes. Some health insurances do not cover hospitalization or serious diseases for a certain period after the inception of the policy, so pay careful attention to whether this is also the case with your policy. Many banks sell insurance, but unfortunately the employees themselves do not always know what risks are, or are not, reimbursed by the policy you have closed. It is therefore extremely important that you know what you are insured for, and that you are fully insured without (temporary or otherwise) exclusions after a medical examination. Of course, this also depends on your health. If you are still insured in your own country, then you should examine exactly what this insurance covers. Even there many things have changed in the last few years so it can be that you are not insured for a situation that you thought you were. You cannot be too careful with health insurance, especially in the country where you do not know the rules well.

 


Insurance for your car, motorcycle, scooter or boat ...

Should you decide to buy a car, motorcycle, scooter or boat in Spain then you will need to insure this. The prices of these insurance policies can vary significantly by company. It is therefore wise to ask for a few price quotations. If you do this through our insurance department, our consultants will ask prices with multiple insurers. If you can provide a No-Claim statement for your claim-free years with your current insurance company, you may save much in the premium. When insuring a car, motorcycle or scooter it is good to know if there are special rules, for example the minimum or maximum age of the driver; many insurers have a rule that people above or below a certain age do not get coverage if they drive the car, motorcycle or scooter. Some policies also have a rule that only the policyholder may be the driver; your husband or wife is not insured if they drive the vehicle. If you are planning that your partner, spouse or children uses the vehicle or your boat as well, pay attention to this. With boats you have to deal with possible additional rules, such as the captain’s license, the maximum shore distance at sea and other rules that you must read. In addition to this it can also be that sailing at sea with your boat is completely excluded from coverage. We advise you to check this for every policy, and in case of uncertainty to ask questions. Please note if theft is covered especially with regard to boat insurances, and also liability for damage to third parties; after all, in a boat you can also cause possible damage to third parties for which you are liable.

 


Our services ...

As a relation of the Holiday Home Vision group, you can always ask our insurance consultant to screen your policies, without any obligation. He or she will then examine your policies and issue an opinion. This advice is free of charge and gives you an overview of what is possible underinsured, too expensively insured or for which you are doubly insured. Some policies cover various risks and so you can be doubly insured. It is just a matter to inform us about what policies you have, the composition of your family and what you expect from your insurance. It is also important to know what your current situation is, for instance if you are a resident or staying temporarily in your home; this determines the need for certain insurance. Experience shows that when people arrive in a country they often quickly take some insurance with a bank when they open their account, and then later start investigating various matters. We can help you by making sure that you are properly insured, without paying too much or running an unwanted risk.

 

 

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