SegurCaixa specialises in protecting your home and your personal goods against leakages, broken pipes (visible and in-wall) and unblocks.
Why should you take out SegurCaixa Hogar Completo?
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Forget about the damages caused by water
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You won't have to handle anything
In the event of an accident, SegurCaixa will manage all the paperwork, repairs and payments to professionals.
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Decide how you want to pay for it
Take it out now now, choose when you want your insurance to start (up to 1 year ahead) and your chosen payment frequency (monthly, quarterly, half-yearly or annually).
Main Benefits
- Easy to take out: no need to describe your valuables or jewellery
- No claims bonus of up to 20%.
- In the event of a fault or emergency, no matter what time, and 365 days a year, call us on +34 902 10 99 10 and we guarantee we'll tend to your repairs in less than 24 hours: even on Saturdays and Sundays if it's urgent.
- If damages are covered by the policy, you won't have to pay anything up front.
- It covers most repair works and replacements of damaged items. The cost is calculated by taking the current value of these items into account. They are not subject to a percentage reduction due to age or wear and tear, except in the case of appliances, household effects and clothing in second homes.
- Quick settlement of accidents once the necessary information is available (expert inspections, invoices, etc).
- Legal protection service.
- Optional jewellery coverage (up to €10,000). Jewellery valued at over €400 will have to be insured through optional coverage. However, all jewellery that is not in excess of this value individually will be included in the furnishings coverage.
- Optional coverage of valuables (up to €10,000). Valuables with an individual value of over €3,000 will have to be insured through this optional coverage. However, all valuables that do not exceed this value individually will be included in the furnishings coverage.
Buildings cover
| Coverage | Insured capital | Additional information |
|---|---|---|
| Extensive guarantee | 100% (min. €20,000, max. €600,000) | Apart from the reasons for accidents foreseen by almost all insurances, like for example fire, SegurCaixa Hogar Completo covers damages from lightning, explosion, glass breakage, water damages, theft, etc. The extensive guarantee also covers any type of damage which cause is not excluded. |
| Rescue costs, rubble removal and extinction | 100 % | |
| Uninhabitable status and loss of rent | 10 % | |
| Aesthetic damages to the container | 1 % (min. €1,800, max. €4500) |
If due to an accident several bathroom tiles need to be replaced but there are no replacement tiles with the same shape or decoration on them, the non-damaged tiles will also be replaced in order to reestablish aesthetic harmony. |
| Civil liability | €300,000 | |
| Legal Protection | €6,000/year |
Contents cover
| Coverage | Insured capital | Additional information |
|---|---|---|
| Fire, explosion and lightning | 100% | Limited to €8,000 for valuable items and €10,000 for jewellery. |
| Rescue costs, rubble removal and extinction | 100% | |
| Uninhabitable status and loss of rent | 10% capital of container + content Maximum 2 years. |
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| Electrical damage | €3,000 – €6,000 | Damages caused by a short circuit or by a sudden voltage rise or fall. |
| Document reconstruction | €900 – €3,000 | Only for the main residence. |
| Extensive risks | 100% | Atmospheric phenomena, smoke, flooding caused by channels, ditches, sewage and the sort, etc. |
| Robbery, pillage and theft | 100% Theft limited to 10% | Limited to €3,000 for valuable items and €400 for jewellery. Only for the main residence. |
| Damages caused by water or fuel spills | 100% | |
| Glass breakage | 100% | It includes sanity fittings, marble counters and glass ceramics tops. |
| Theft of documents | €60 | Spanish ID, passport and/or driving licence. Only for the main residence. They will be credited regardless of whether the renewal expenses are higher or lower. |
| Theft of keys | €360-€720 | |
| Refrigerated food/medicines | €300 | |
| Mugging on the street | €600 | Only for the main residence. |
| Civil liability of the user of the home | €300,000 | Damages to third parties caused inside the dwelling or common areas attributable to the insured party.. |
| Family civil liability | €300,000 | Damages to third parties attributable to the insured party or to those living in the same home. Only for the main residence. |
Damages to the items, as long as the cause of the claim appears in the list of coverages specified below. Jewellery and valuables are only covered if they have been expressly included in the insurance.
The SegurCaixa Hogar Completo insurance will be automatically supplemented with the legal protection and home assistance services.
Additional cover
| Coverage | Additional information |
|---|---|
| Home assistance | Accident repairs borne by the company. SegurCaixa Hogar covers the visit of masonry, paint, woodwork and flooring professionals, and experts in the repair of appliances and aerials, in general cleaning, etc. This service can be requested even for claims outside the scope of the policy. |
| Legal protection | It is included in all the policies that protect the main residence provided that the insured party is not a company. It allows filing claims against those responsible for the damages suffered by the insured party or by family members living with them. It also covers the defence before possible claims filed against the insured party or family members living with them. |
| Home Maintenance | More information |
Optional cover
| Coverage | Insured capital | Additional information |
|---|---|---|
| Jewellery | €10,000 | The additional coverage for jewellery refers to gold and platinum items, pearls and precious gemstones with an individual value over €400 (if the individual value does not exceed this figure, it is automatically included in the content capital). The maximum capital insured by SegurCaixa Hogar Completo is €4,000 for jewellery. |
| Valuable items | €10,000 | The additional coverage for valuable items refers to furs, philatelic and numismatic collections, antiques and art objects which contain neither gold nor precious gemstones, as well as silver or ivory objects, as long as their individual value exceeds €3,000 (if the individual value does not exceed this figure, they are automatically included in the content capital. The maximum capital insured by SegurCaixa Hogar Completo is €10,000 for valuable items. |
Coverage for valuables and jewellery, please note:
Both valuable items and jewellery have a maximum loss capital assigned. This means that, in the event of an incident, the compensation paid will be equivalent to the amount of the damages, with the maximum capital set for each of them. Below you can find some examples.
Example 1
Imagine that the valuable items as a whole have a cost of €7,800 and the jewellery €4,800. If, due to theft or to any other reason covered by the policy, €6,000 worth of valuables and €3,000 worth of jewellery were lost, the compensation would be identical to the amounts of the loss, that is, €6,000 and €3,000 respectively.
Frequently asked questions
- If an incident occurs, you only have to reach us by phone at 902 10 99 10 and we will immediately start the necessary procedures at any time of the day or night, even on bank holidays.
- This is the necessary information to notify the incident: name, policy number, date and time of the accident, description of the causes of the accident, place of the accident and a contact telephone number. Details of the affected party (3rd person) or the responsible party if any: insurance company, policy number, address, city and telephone.
- Take the minimum measures required to minimise the consequences (close the gas tap, cut the power, close the general water flow, etc.). If needed it, you can call the home assistance service.
- Do not bear any payment to third parties without having previously consulted with the company.
- Keep the elements that have been replaced to aid the subsequent valuation by the loss adjuster.
- Provide the loss adjuster with as much information as possible as well as with any other detail that could be of interest.
- Whenever necessary (theft, mugging, etc.) report it to the competent authorities.
- At all times you must avoid insuring your home and contents for a capital lower than their value as new, because in the event of an incident, it may cause the compensation for damages to be significantly reduced.
- Imagine that a house valued at €42,000 is insured for €21,000. This means that only 50% of the house is insured.
- If an incident causes €18,000 worth of damages, the compensation received will be €9,000, that is, the insured party would only receive a 50% proportion.
- Always contracting insurances with the right capitals.
- Always including the automatic capital reassessment.
- If new items are acquired, especially those with a significant price, or improvement works are carried out in the house, adding their value to the insured capital.
- SegurCaixa has developed a validation system for the house and its content.
- If the capitals have been introduced using this SegurCaixa system (for example, using the suggested capitals to insure after indicating the details of the house when calculating the price of your insurance in CaixaBankNow), there is nothing to worry about because SegurCaixa will bear in full the cost of the incident up to the insured capital limit.
You can contact SegurCaixa Adeslas using the contact telephone numbers and e-mail address available on the Customer Service website.