FAQs

Insurance

Funeral Expenses Insurance
 

What is Funeral Expenses insurance?

A product that gives you and your family peace of mind at that difficult time when you have just lost a loved one.

What is the purpose of Funeral Expenses insurance?

With just one simple telephone call, Funeral Expenses insurance spares your family from having to perform all the bureaucratic procedures and from bearing the expense associated with a funeral service, even when the death occurs far away from home. Also, the statutory heirs will be assisted with all procedures necessary in order to distribute the inheritance, deal with any pensions, record the death with the Social Security, etc. etc., which are all important obligations at this time.

What other advantages does Funeral Expenses insurance offer?

In addition to the main cover, by taking out this insurance you will gain access to Private Medicine at negotiated prices, a broad network of fixed-price Dental Services, personalized or telephone-based Legal Advice through a network of Law Firms, Travel Assistance when abroad, etc. etc., making this insurance the most complete combined insurance for the whole family.

What kind of Funeral Expenses insurance is best for me?

Given the lifelong nature of this insurance, the LEVEL PREMIUM option which, as the name indicates, keeps the premium payable at a constant rate for the lifetime of the insured, and unless there are any increases in the Sum Insured, the premium remains constant. Initially this is the most expensive option, but as from retirement, when disposable income becomes tighter, the premium turns out cheaper than all the other options, as it is calculated on the basis of the age of joining the Company. This type of insurance is the most popular in Spain, as over 95% of people insured for Funeral Expenses (22 million Spaniards) have insurance of this kind.

Are there any other kinds of Funeral Expenses insurance? YES

Funeral Expenses insurance with a semi-natural premium

It is characterized by the fact that at young ages the premium is very low, given that it gives no recognition the length of time the policy has been in force, and once you reach the age of 60 the premium is levelled off. The premium payable increases year-on-year in accordance with the age of the insured – as opposed to level premiums – and on the basis of increases in the sum insured, until it levels off.

Funeral Expenses insurance with a natural premium

This is similar to the previous kind, although it is even cheaper at young ages, but the difference is that the premium does not level off at any age, and as such in very old age it is practically impossible to afford the premiums. As with the previous kind, the premium increases every year in accordance with the age of the insured and the increase in the sum insured.

Funeral Expenses insurance with a hybrid premium

This is the result of the need to offer an alternative to the natural premium, combining the three forms, and so at young ages it is cheaper, and as with the semi-natural premium, as from age 60 the premium is levelled off. The premium goes up every year – until it is levelled off – in accordance with the age of the insured and the increase in the sum insured.

How can I tell which kind of insurance is best for me?

In order to protect the rights of consumers, the Government made an addition to article 60 of the revised text of the Private Insurance Regulation and Supervision Act by way of Royal Decree Law 1298/2009 of 31 July, whereby it became compulsory to supply an INFORMATIVE NOTE (Article 105 bis) prior to the execution of an agreement for Funeral Expenses insurance, drafted in clear and precise language, with the following contents which are summarized below:

1. In accordance with the type of insurance offered:

a) Identification of the type of insurance (level, semi-natural, natural, or hybrid).
b) Characteristics and calculation method for the initial premium.

2. For all insurance types:

a) Identification of the risk factors and the rate to be applied in policy renewals, etc.
b) Table showing how commercial annual premiums evolve until the insured is 90 years old, and also how the sum insured evolves.  
3. Optional accessory cover provided with funeral cover, stating the amount of the premium.

4. Conditions for the termination of the agreement.

5. Possibility of the Insurer refusing to renew the agreement.

6. Whether or not there is a right to rehabilitation, and the rules regulating this.

So what is the final price of Funeral Expenses insurance?

The final price depends on how long the insured lives, but if we consider someone living to the age of 90, the premiums paid for each type of insurance are shown in the graph below:

Evolucion Prima naturales de decesos para un asegurado de 36 años

Travel
 

What is Ocaso´s international travel insurance policy?

Our travel insurance policy is a policy that is designed to provide you with the peace of mind that comes from knowing you are fully protected abroad, because it provides comprehensive, customised, 24/7 assistance services to fully meet all your travel needs.

Who is this insurance policy designed for?

This insurance has been designed for all types of students, both Erasmus and language students, as well as postgraduates, and also anyone wanting to go on holiday either on their own or with their family, or people who have to travel outside Spain for business or professional reasons (employees, directors, businesspeople and self-employed workers).

The policyholder must be of full legal age in order to take out an Ocaso insurance policy.

What coverages does this Ocaso insurance policy give me?

The insurance policy includes medical expenses, lost luggage, accident insurance, trip cancellation expenses, the cost of toiletries and other personal items if your luggage is lost or delayed, the travel expenses of a family member to accompany you if you have to be admitted to hospital, and many other coverages.

Which countries can I take this policy out for?

This insurance policy is valid outside Spain in the countries that are listed in the specific conditions.

However, in the event of a declared or undeclared war, uprising, or armed conflict of any kind in any of these countries during the insured party´s trip, the country in question will be excluded, even if it is listed in the specific conditions.

Can I take out this travel insurance if I have already departed on my trip?

The insurance policy becomes effective on the date that is given in the specific conditions as the start date of your trip, provided that the policy has been signed/accepted, and the premium has been paid. The start date may not be later than the date your trip begins on, so you have to purchase the policy before starting on your trip.

When will my coverage become effective?

The insurance policy becomes effective on the date selected as the start date of your trip, provided that the policy has been signed/accepted, and the premium has been paid. The start date may not be later than the date your trip begins on.

The trip cancellation (before departure) coverage becomes effective after a minimum of 72 hours have passed from the time you take out the insurance policy to when the event that causes the trip to be cancelled occurs. You may cancel the policy before it comes into effect. The policy will expire on the date that you have given as the end date of the trip.

Can I change or put back the dates in the policy?

The policyholder undertakes to notify OCASO S.A, in writing and within 24 hours, of any changes to the dates that appear in the insurance policy. If he or she fails to comply with this obligation, OCASO S.A. reserves the right to suspend the insured coverages.

 

The trip cancellation (before departure) coverage becomes effective after a minimum of 72 hours have passed from the time you take out the insurance policy to when the event that causes the trip to be cancelled occurs.

What is the latest date I can take out the insurance policy?

You can purchase an Ocaso insurance policy up to one day before you travel.

If I am travelling with another person can I take out a policy that covers both of us, or do we each have to take out a policy?

The Ocaso&Go-Students and Ocaso&Go-Business travel insurance policies are for a single person only. However, you can include a maximum of 9 insured parties in an Ocaso&Go-Pleasure insurance policy.

Why do I need travel insurance?

The international travel assistance policy (Ocaso&Go) protects you from all the risks arising from any unexpected incidents that may occur while you are travelling abroad. The risks covered are defined in the insurance policy, as are the countries included within the policy terms, the type of insurance purchased, the insurance term and the policy´s maximum limits.

Ocaso Multi-Life
 

What does Ocaso Multi-Life consist of?

The main purpose of the Ocaso Multi-Life Insurance is to cover the economic requirements of the family in the event of the death of the Insured due to any cause.

What is the basic guarantee of this insurance policy?

Death due to any cause. In the event of this contingency, the beneficiaries of the policy would receive the insured capital.

What complementary guarantees does this policy offer?

  • The Permanent Total Disability of the Insured. 
  • Advance payment of the insured capital in the event of death due to any cause.
  • Accidental death. Additional capital.
  • Death due to traffic accident. Additional capital.
  • Death or permanent total disability due to accident. Additional capital.
  • Death or permanent total disability due to accident. Additional capital.
  • Grave Illness. Advance of 50% to 100% of the capital insured in the main insurance Simultaneous death. Additional capital.
  • Death due to heart attack. Additional capital.
  • Advice and succession management.

What is the maximum age for taking out the Ocaso Multi-Life insurance?

The maximum age for taking out an Ocaso Multi-Life insurance is 60 years.

What is the termination age for this insurance? Within the Annual Renewable type of policy, there is no termination age, allowing for the insurance to be renewed annually provided the insured pays the premiums, until the death of the insured. In the Constant option, the insurance policy will conclude at the end of the duration agreed when the policy was taken out.
What does the risk selection consist of? It is the result from assessing the content of the answers which the insured has provided in the health questionnaire which was completed and which is included in the insurance request. It is very important that the answers are true and detailed, and it must be completed by hand.

What contract options does the Ocaso Multi-Life insurance contemplate?

Ocaso Multi-Life can be procured under the Annual Renewable type of policy, in which the premium will increase according to the increasing age of the insured. The insurance shall conclude if the insured ceases to pay the premiums or in the event of death.

Another possibility is to procure Ocaso Constant Multi-Life. In this case the duration is agreed upon taking out the contract and the premiums for the main guarantee remain constant for the duration of the contract, although the premiums of some complementary services will increase annually according to the new age reached.

What is the termination age for this insurance?

Within the Annual Renewable type of policy, there is no termination age, allowing for the insurance to be renewed annually provided the insured pays the premiums, until the death of the insured. In the Constant option, the insurance policy will conclude at the end of the duration agreed when the policy was taken out.

What does the risk selection consist of?

It is the result from assessing the content of the answers which the insured has provided in the health questionnaire which was completed and which is included in the insurance request. It is very important that the answers are true and detailed, and it must be completed by hand.

When do medical check-ups need to be performed?

Up to 45 years and as of 120,000 Euros. From 46 to 55 years, and as of 60,000 Euros. As of 55 years, with a capital exceeding 30,000 Euros.

What are the minimum and maximum capital sums which can be insured?

The minimum contract capital of the main guarantee is 30,000 Euros, with no maximum limit which is conditioned to age, employment, reason for insuring, financial situation and health condition of the insured.

Is the premium tax deductible when presenting my income tax return?

No, the premiums paid for this life insurance are not tax deductible.

Who can be a beneficiary of the insurance policy?

Any individual or legal entity designated by the insured. In the event of death, the beneficiaries will normally be the family members of the insured, and in the event of disability this payment will go to the insured. When the insured has a personal loan or a mortgage, a financial entity is normally designated.

Life Express
 

What does Ocaso Express Life consist of?

It is a Life/Risk Insurance which enables you to contract a capital sum in the event of death due to any cause and to complement it with optional guarantees covering permanent total disability and additional capital for accidental death, to be taken out. The Ocaso Express Life Insurance is also a simple and more accessible Life/Risk Insurance and it has the simplest procurement process available on the market; with no medical check-up, except for affirmative declarations in the simplified questionnaire regarding health condition.

Who is this insurance aimed for?

People with economic responsibilities to family members, aged between 18 and 55 years who wish to maintain their family's standard of living or wish to guarantee loans and credits are paid.

What is the basic guarantee of this insurance policy?

With this insurance policy, you can cover the risk of death due to any cause, by means of paying a premium which will be renewed annually according to the new age reached each year.

What complementary coverage can be procured with the Ocaso Express Life insurance?

- Permanent total disability. Capital advance.

- Accidental death. Additional capital.

- Guaranteed advice and succession management.

What are the ages for taking out this Ocaso Express Life insurance?

The ages for taking out the Ocaso Express Life insurance range from 18 to 55 years.

What difference is there between the Ocaso Express Life insurance and other Life/Risk insurance policies?

The Ocaso Express Life insurance is a simple and accessible Life/Risk Insurance, with a simplified procurement process, without a medical check-up, except for in the event of affirmative declarations in the reduced questionnaire regarding health condition.

Is the premium tax deductible when presenting my income tax return?

No, the premiums paid for life insurance policies are not tax deductible.

Who can be a beneficiary of the insurance policy?

Any individual or legal entity designated by the insured. In the event of death, the beneficiaries will normally be the family members of the insured, and in the event of disability this payment will go to the insured. When the insured has a personal loan or a mortgage, a financial entity is normally designated.

Accidents
 

Why an Accident insurance?

An accident insurance offers clients a wide range of guarantees, both basic and optional, which will enable the insured to maintain his/her options covered. You may also procure the capital you require in order to better adapt to your need for protection.

Who needs Accident insurance?

Although any person is susceptible to having an accident, regardless of their age, profession or lifestyle, aside from a generic insurance for any protection requirement in light of an accident we have incorporated special insurance covers for specific collectives, who have specific protection requirements.

Why a Female Accident insurance?

Because this collective is both economically and socially unprotected, given that they do not receive the cover offered by the public system. By not making Social Security contributions, it is understood that women lack many rights which salaried workers enjoy, including the right to a disability pension, among others. This policy covers all the risks which affect this collective, but also, in this case, with an additional sum in the event of an accident at home and other guarantees which strengthen the level of protection required by this collective.

Why a Ocaso Entrepreneur Protection insurance?

Because this collective is the one which has the greatest need for complementing the benefits provided by the public system, as well as covering all possible contingencies and specific requirements which may arise while performing their activity. On this line, the insurance includes a cover for temporary incapacity, both due to accident and illness in order to face up to sick leaves and, thus, reduce the impact these can have on the level of income of a self-employed professional.

And when I receive the capital?

The benefits for permanent incapacity originating from accident insurance covers are not subject to income tax (with the limitations foreseen in the tax regime), in the event of disability. If the compensation is due to the death of the insured, the beneficiary must pay the relevant Succession Tax applicable in his/her Autonomous Region.

Home insurance
 

What are the minimum and maximum ages for taking out a policy?

The Policy Holder must be of legal age, but there is not maximum age for taking out this type of insurance.

Is home insurance necessary?

Normally, our home tends to be the largest investment we make in our entire life. So, it would seem that protecting this asset would be our main priority.

And if we also take into account that a home often suffers incidents, some small and other a bit bigger, which affect the elements within our property, it become nearly essential to take out an insurance cover which resolves these incidents.

Aside from the material damage suffered by the insured assets, damage may be caused to third parties or situations may arise in which it is very important to have access to appropriate advice, claims and the defence provided by a good lawyer.

All of this and more, is covered by the OCASO HOMEinsurance, which offers you the best protection on the market with professionals who will resolve all of these situations, providing you with the tranquillity you deserve.

With just a simple phone call, we will be by your side 24 hours a day, every day of the year.

What should I keep in mind when taking out home insurance?

1. The first step is to choose the type of insurance which best adapts to your needs (more cover, only with basic cover, etc.). Ocaso has a wide range of insurance policies for your Home so you can choose your ideal product.

2. Once you have chosen the type of insurance, you must establish the insured sums for PREMISES, CONTENT, JEWELLERY, SPECIAL OBJECTS AND CIVIL LIABILITY.

What is the premises of my home?

The premises is comprise of the following buildings and concepts:
a) Main building.
b) Attached buildings (garages, storerooms, etc.).
c) Fences, walls, enclosures and gates.
d) Sharing ratio for common areas (only in the event of the home being part of community buildings or others governed by the Horizontal Property Law).
e) Swimming pools and sports facilities.

One must also take into account that the Premises includes the foundations, structure, walls, roofs, floors, doors and windows, as well as fixed elements such as toilets, air-conditioning units, heating equipment, TV, sound systems, fire extinguishing equipment, burglary protection systems and, in general, all assets which cannot be separated from the surface without causing impairment to asset itself or to the surface.

The Premises does not include solar panels, awnings and satellite antennas or dishes, which are part of the Content.

How can I calculate the insured sum of the premises for my home?

The insured sum of the premises must correspond exclusively to the current cost for rebuilding all the buildings comprising it, without being affected by the value of the land or the purchase-sale price. In order to calculate the capital for insurance purposes, the following must be taken into account:

a) The built surface in m² of the home, that is, the constructed m² of your home and the attached buildings (garages, storerooms, etc.), as well as your share of the common areas. In order to obtain the insured sum of these buildings, one must indicate the m² in the option called calculate price.

b) In the event of semi-detached single family homes or detached houses, we must also add the construction value of the fence surrounding the plot and the swimming pool, if applicable.

Should I take out home insurance if my owners' association already has an insurance which covers the building?

It is advisable to complement the Community policy with your own insurance, including the Premises and Content, for the following reasons:

a) The Community insurance normally includes community guarantees, due to which private incidents would not be covered, such as for example, damage caused by private water pipes in your own apartment and the repair of any breakdowns caused by the same.
b) There are assets which are part of the Premises and are not included in community policies, such as terrace enclosures, private boilers or refurbishment and improvement works carried out by the owner.
c) If the Insured Sum corresponding to the home in the Owners' Community policy were insufficient, a private policy would complement it and avoid any compensation for damages being reduced due to this circumstance.

Although the aforementioned is the ideal solution, OCASO also offers an optional cover for these cases, which can complement the community policy, by means of which, without including the Premises, certain common incidents are covered:
- Damage caused by water from the Premises.
- Aesthetic re-composition of the Premises.  
- Electrical damage to the Premises.

What is the content?

The content comprises the furniture, household furnishings, decorative objects, electrical appliances, special objects, jewellery and other equipment inherent and characteristic of a home which can be found inside the insured home and its attached buildings, as well as solar panels and satellite antennas.

How can I calculate the insured sum of the content for my home?

The insured sum for your home's content must be the true value of the following concepts:
a) Furniture.
b) Household furnishings.
c) Electrical appliances.
d) Decorative objects.
e) Awnings, satellite antennas and solar panels.
f) Special objects (art, antiques, silver objects, leather garments, collections and other objects of special value which are not included in the previous points).
g) Jewellery, fine costume jewellery, watches and similar objects.

We recommend that you calculate the total sum taking into account these concepts and do so each room at a time (hall, kitchen, sitting room, dining room, bedrooms, bathrooms, storeroom, etc.).

Are there objects or jewellery which require being mentioned expressly in order for them to be included in the insurance policy?

Of course, special objects, jewellery, fine costume jewellery and similar objects:

a) Special objects are considered to be art, antiques, silver objects, leather garments, collections and objects of special value, not included in the previous points. Provided their overall value does not exceed 50% of the total Content or their individual value exceeds 3,000 Euros, they must be expressly declared in order to be covered.

b) Jewellery, fine costume jewellery, watches and similar objects, are covered up to 10% of the total capital of the Content, with a maximum per incident of 600, 3,000 or 6,000 Euros (depending on the type of insurance taken out). In the event of there being more of these amounts or if there are jewels, costume jewellery, etc. with a unit value exceeding 1,500 Euros, these should be declared in order to be included in the insurance. One must also specify whether they are kept in a safe which is embedded in a wall or one which weighs more than 100 Kg.

How should I insure a painting of artistic value?

In all cases, works of art must be declared, identifying them with their characteristics, description, title, author and value.

It is also convenient to provide a clear photograph and a certificate of authenticity and valuation or invoice in the event of the work being of a significant value.

How can I insure jewellery?

Jewellery, fine costume jewellery, watches and similar objects are part of the Content, hence their value should be added to the remaining objects comprising it and they are covered up to 10% of the total capital of the Content, with a maximum per incident of 600, 3,000 or 6,000 Euros (depending on the type of insurance taken out). In the event of there being more of these amounts or if there are jewels, costume jewellery, etc. with a unit value exceeding 1,500 Euros, these should be declared in order to be included in the insurance.

One must also specify whether they are kept in a safe which is embedded in a wall or one which weighs more than 100 Kg. It is advisable to provide a clear photograph and a certificate of authenticity and valuation or invoice in the event of the jewels being of a significant value.

Can I insure only the content of the home if I am a tenant?

Yes, but you should also insure the premises of the home in order to guarantee claims made by the owner, in relation to any damage caused to the home (Example: Damage due to water, caused by forgetting to close the taps or a leaking washing machine).

For the same reason, it is also highly advisable to insure the content which is the property of the Landlord, that is, in order to avoid problems and dissatisfaction in the event of an incident, your insurance should cover all objects within the home, regardless of their ownership.

Does the insurance policy cover the tables and chairs I have on the terrace?

And those in my garden? Provided the terraces, roof terraces, gardens, patios and alike are for the exclusive access and use of the insured, the furniture and elements inherent to the home shall be included (excluding special objects, jewellery, watches and similar) which are located in said places, with an insured sum of 5% of the total content insured sum, with a maximum limit of 1,500 Euros per incident.

If I were to take my work laptop home, would this be covered by the insurance?

Objects belonging to third parties which are occasionally inside the home are considered to be part of the insured content, up to an insured sum of 10% of the insured sum of said Content, with a maximum limit of 3,000 Euros per incident.

What should I do if I buy more assets and want to include them in the insurance?

Contact OCASO immediately to increase the content capital, by means of the corresponding appendix, without waiting for the annual policy renewal to come up.

Is it important to correctly insure the sums of the premises and content? What is under-insurance?

In order to avoid dissatisfaction in the event of an incident, it is very important that the insured sums of the home and its content are not below the value of the insured assets. If that were to occur, the compensation would be reduced in the same proportion as the existing difference between both amounts.

In the event of an incident, the formula used for calculating the compensation would be as follows:

                           Value of the Damage x Insured Sum
Compensation =  ------------------------------------------------
                                           Value of the assets

This situation is technically known as "Applying the Proportional Rule for Under-insurance".

How is the compensation calculated in the event of an incident which affects and Premises and/or the Content of my home?

OCASO sends an expert to the insured home, in order to carry out the corresponding inspection of the damage and to determine the economic sum of the economic losses caused by the incident.

In the event of covered incidents which require the intervention of a professional, such as broken windows, damage caused by water, etc., OCASO will offer the insured party the possibility of resolving the problem using collaborating repair professionals. Most of the incidents can be resolved using this system, thus avoiding any inconveniences.

Are my children also insured under the home insurance?

Aside for the insured named as the holder of the OCASO HOME insurance, this policy also includes under-age or disabled children who are in the custody of the insured, as well as over-age children, parents and family members who have an economic dependence on the insured and who live in the insured home. The spouse or domestic partner is also insured.

Does it cover damage to third parties for an incident which has occurred in my HOME?

Yes, this would be covered.

By means of the Civil Liability, Legal Defence and Bails guarantee, any economic consequences affecting the insured due to the civil liability which may be legally enforceable, for the damage and losses caused to third parties due to fault or negligence and deriving from their status of owner and/or user of the insured home would be included. In the same manner, covering any necessary expenses for your Defence and Bails, with the limits established in the General Conditions of the policy.

Does it cover damage to third parties which may be caused by a dog I own?

Yes, even if it is caused by a dog considered to be potentially dangerous.

By means of the Civil Liability, Legal Defence and Bails guarantee, any economic consequences affecting the insured due to the civil liability which may be legally enforceable, for the damage and losses caused to third parties due to fault or negligence and deriving from their status of owner of domestic animal would be included. In the same manner, covering any necessary expenses for your Defence and Bails, with the limits established in the General Conditions of the policy.

In the event of owning more than one domestic animal, you must identify all the ones which are to be included in the insurance.

Does this cover damage I or my family may cause to third parties during holidays outside Spain?

Yes, except for in the United States of America and Canada.

By means of the Civil Liability, Legal Defence and Bails guarantee, including any economic consequences derived for the insured due to the civil liability which may be legally enforceable, for the damage and losses caused to third parties due to fault or negligence and committed due to actions caused by the insured or any person for which the insured is civilly responsible, occurred outside national territory, due to occasional stays for periods lasting no longer than three consecutive months. In the same manner, covering any necessary expenses for your Defence and Bails, with the limits established in the General Conditions of the policy.

If I run over a pedestrian with my bicycle, would the damage I cause be covered? And what if my under-age child runs a pedestrian over?

Yes, provided the cycling is as an enthusiast and the bicycle does not have an engine and does not require mandatory insurance.

By means of the Civil Liability, Legal Defence and Bails guarantee, including any economic consequences derived for the insured due to the civil liability which may be legally enforceable, for the damage and losses caused to third parties due to fault or negligence and committed due to actions caused by the insured or any person for which the insured is civilly responsible, in his/her condition of owner and/or user of the bicycles. In the same manner, covering any necessary expenses for your Defence and Bails, with the limits established in the General Conditions of the policy.

Does it cover damage to third parties caused by a motorised wheelchair?

Yes, provided the wheelchair doesn't technically exceed 10 km/h and it travels within areas authorised by the current laws.

By means of the Civil Liability, Legal Defence and Bail guarantee, including any economic consequences affecting the insured due to the civil liability which may be legally enforceable, for the damage and losses caused to third parties due to fault or negligence and deriving from their status of owner and/or user of the motorised wheelchair. In the same manner, covering any necessary expenses for your Defence and Bails, with the limits established in the General Conditions of the policy.

What does the Legal Assistance policy cover?

By means of the Legal Assistance guarantee, the Insurer takes charge of the expenses incurred by the Insured as a consequence of intervening in an administrative, legal or arbitration procedure, and shall provide the Insured with legal, in-court and out-of-court assistance services derived from this cover:

  • Claiming for damages.
  • Criminal defence in the scope of his/her private life (including as a pedestrian, passenger or non-professional sporting activities not related with vehicles).
  • Rights related to the insured home, as the owner or tenant of the same.
  • Defence for administrative offences related to the home.
  • Defence of the rights of the insured in individual work conflicts.
  • Claims for breach of service and consumer contracts.
  • Defence against domestic service.
  • Tax law.
  • Challenging the cadastral value of the insured home.
  • Defence and claims related to other insurance policies.

Also including Legal Telephone Assistance, by means of a lawyer advising you regarding any matter which is included in this cover.

What does the DIY Assistance cover consist of?

What does the DIY Assistance cover consist of? Ocaso DIY Assistance: When you request it, Ocaso will send a professional to the insured home, in order to carry out certain non-urgent DIY and maintenance works, which are occasionally required in order to preserve our home in good condition (Replacing sockets or light switches, fitting lights, changing taps, changing cistern mechanisms, putting up bathroom and kitchen fixtures, fixing rolling shutters and other tasks which are included in this guarantee).

What does the Multi-Services Assistance guarantee include?

Ocaso Multi-Services Assistance offers you solutions for a wide range of situations and problems which arise throughout our day-to-day lives. Including several Health, Social and Technological services, among others, as well as a series of tasks and being in contact with repairers, installers and professionals which you will require in the event of an incident which is covered by the insurance (painters, locksmiths, builders, electricians, plumbers, etc.).

Communities
 

Why a Communities insurance?

Because it is the perfect solution for your building, both regarding cover and benefits as well as price, for facing up to unexpected events which reduce the value of your assets. Also, it is becoming evermore frequent for Autonomous Regions or Local Corporations in our country to legislate over the mandatory nature of all buildings within their territory and have been built under the horizontal property regime to be covered by an insurance which covers them, at least, against fire and civil liability.

Does my home insurance cover the damage caused by general or community pipelines?

Yes, if it has been taken out with Ocaso, but it may occur that many co-owners have taken it out with another company which does not cover this or, simply, have not insured their properties or commercial premises, with the inconveniences this can cause to all the owners in general.

Would it be possible to insure a building built over 30 years ago?

Yes, of course. Our Communities insurance is very flexible and modular, offering a wide range of possible combinations, hence, we can adapt to any cover requirement which is proposed. The only requirement is that the building is in an appropriate state of preservation and maintenance.

How do I calculate the value of my building, in order for it to be appropriately insured?

It is very important to correctly establish the insured sum of the building, thus avoiding undesirable situations involving under-insurance. In general, the land registry document or any other document of the Community includes the details regarding the built surface of the building and this is multiplied by the re-building value per m2 which is in force at the time. This figure currently oscillates between 820 and 975 Euros, depending on the quality of the construction.
If necessary, the m2 corresponding to other elements within the insured building, such as swimming pools, gardens and sport facilities, as well as those corresponding to shared areas or alike, such as walls, fences, enclosures, etc., can be valued at 20-50 Euros per m2.

How do I calculate the sum to be insured for the elements of common use in a Communities insurance?

Their valuation must be sufficient to cover the hallway furniture, recreational and sports areas, garden and cleaning tools, etc., therefore, one may establish the desired figure according to the value of said goods.

If the community has a swimming pool, should I insure it?

Yes, the swimming pool is part of the common built areas and it should be taken into account for insuring the building in its Outdoor Urbanisation section.

Active Savings
 

What are the minimum and maximum ages for taking out a contract?

The minimum age is 18 years and the maximum is 75 in the periodic premium type of policy and 65 in the single premium option.

What is Ocaso Active Savings?

Ocaso Active Savings is a life insurance, by means of which the systematic payment of a periodic premium or the payment of a single premium enables the user to carry out the established savings plan, after having deducted the management expenses and the premium corresponding to the death guarantee. The value of the policy and, therefore, the sum of the redemption value depend on the variable technical interest rate applicable during every calendar quarter.

How can Active Savings be taken out?

Ocaso Active Savings can be taken out by making the periodic payment of the premiums in accordance with the chosen form of payment. The initial periodic premium starts from 720 Euros per annum according to the chosen form of payment. The premiums will increase by at least 3% calculated by means of geometric progression. It may also be taken out by means of a single premium, with a minimum payment of 3,000 Euros. In both types of procurement, one may make extraordinary contributions to the single premium with a minimum amount of 600 Euros in periodic premium type of policy and 1,500 Euros in single premium type of policy.

What happens if the insured dies?

Ocaso shall pay the designated beneficiaries the value of the policy and an additional 10% of said value. The sum of this additional amount shall be at least 600 Euros, but will not exceed 6,000 Euros. As of 65 years, the amount payable shall be 600 Euros.

What is the value of the policy?

It is the fund comprised of the contributions made by the insured person, revalued at the annual technical interest rate applied each quarter, after having deducted management expenses, administration costs and the risk premium for death or disability, foreseen in the particular conditions. Its amount coincides with the mathematical provision.

What is the redemption value?

It is the amount to be perceived by the insured, as a consequence of exercising his/her right to terminate the contract, after having paid all the premiums corresponding to the first annuity. It is equivalent to the policy value minus the applicable expenses and penalties, according to the particular conditions of the policy. The redemption may be total, partial or automatic.

Can I suspend the premium payments?

Having fully paid up the premiums pertaining to the first year, the Insured may suspend the premium payments, which will lead to transforming the policy into an insurance of the same type of policy and free from premium payments, according to the value of the policy in force at that moment.
If so desired, the insured may resume the premium payments without having to pay the premiums unpaid to date and without having to pay any interest in concept of reinstating the insurance policy.

Child Savings
 

What are the minimum and maximum ages for taking out a contract?

The minimum age for the insured upon taking out the policy is 0 years and the maximum age in the periodic premium type of policy is 15 years.

What is Ocaso Child Savings?

Ocaso Child Savings consists of an individual life insurance, with a variable interest rate which is guaranteed annually, the main coverage of which is to constitute a capital sum which will be received on the date of termination of the initially agreed duration and which must be, at least 10 years. The variable interest rate cannot be below the amount resulting from reducing by one percentage point, the interest rate established by the Directorate General of Insurance.

How can Child Savings be taken out?

Ocaso Child Savings can be taken out by making the periodic payment of the premiums in accordance with the chosen form of payment. The initial periodic premium starts from 600 Euros per annum according to the chosen form of payment. In the event of the insured being named in an Ocaso Death insurance policy, this minimum amount will be 480 Euros. The premiums will increase by at least 3% calculated by means of geometric progression. Extraordinary contributions may be made, with a minimum amount of 500 Euros, which will be 300 in the event of the insured being named on a death insurance policy.

What happens if the insured dies?

Ocaso shall pay the designated beneficiaries the paid premiums without including taxes and recoverable surcharges which the paid premiums have encumbered.

What is the value of the policy?

It is the fund comprised of the contributions made by the insured person, revalued at the annual technical interest rate applied annually, after having deducted management expenses, administration costs and the risk premium, foreseen in the particular conditions. Its amount coincides with the mathematical provision.

What is the redemption value?

It is the amount to be perceived by the insured, as a consequence of exercising his/her right to terminate the contract, after having paid the first two annual premiums in full. It is equivalent to the policy value minus the applicable expenses and penalties, according to the particular conditions of the policy. The redemption may be total, partial or automatic.

Can I suspend the premium payments?

Having fully paid up the premiums for the first two years, the Insured may suspend the premium payments, which will lead to transforming the policy into an insurance of the same type of policy and free from premium payments, according to the value of the policy in force at the time.
If so desired, the insured may resume the premium payments without having to pay the premiums unpaid to date and without having to pay any interest in concept of reinstating the insurance policy.

Guaranteed Retirement Savings Plan (PPA)
 

What are the minimum and maximum ages for taking out a contract?

The minimum age is 18 years and the maximum age is 63 years.

What is the Guaranteed Retirement Savings Plan?

The Guaranteed Retirement Savings Plan is an individual life insurance with variable interest which is guaranteed on a quarterly basis, the main coverage of which is to constitute a capital sum which is received upon the retirement of the insured. The variable interest rate cannot be less that the result from deducting one percentage point from the interest rate established by the Directorate General of Insurance.

How can one take out a Guaranteed Retirement Savings Plan?

The Ocaso PPA can be taken out by making the periodic payment of the premiums in accordance with the chosen form of payment. The initial periodic premium starts from 720 Euros per annum according to the chosen form of payment. The premiums will increase by at least 3% calculated based on a geometric progression. The PPA may also be taken out by means of a single premium, with a minimum payment of 3,000 Euros. In both types of procurement, one may make extraordinary contributions to the single premium in the minimum amount of 600 Euros.

Why should I take out a Guaranteed Retirement Savings Plan if I already pay Social Security contributions and this already guarantees I will receive a pension when I retire?

Due to problem of ageing population which is being recorded in developed countries, there is a certain unrest regarding the current and future situation in which the Public Social Security Systems will find themselves. With our Guaranteed Retirement Savings Plan, we offer you the possibility of complementing your income once you have retired and receiving complementary income which will allow you to come closer to the last wage received during your working life.

What advantages does this have over pension plans?

The PPA (Guaranteed Retirement Savings Plan), aside from the value of the policy, guarantees an additional capital in the event of death or disability of the insured.

What is the value of the policy?

It is the fund comprised of the contributions made by the insured person, revalued at the annual technical interest rate applied to each quarter, after having deducted management expenses, administration costs and the risk premium for death or disability, foreseen in the particular conditions. Its amount coincides with the mathematical provision.

What is the redemption value?

It is the sum received by the insured as a consequence of having reached the age of retirement, having decided to transfer his/her rights to another PPA or PPI (Individual Pension Plan) or having made an early disposal in the event of grave illness or long-term unemployment. This entails terminating the contract and it equals the value of the policy at that moment, without applying penalisations, costs or discounts.
 

What happens if the insured dies or is deemed disabled?

In the event of death of the insured, the designated beneficiaries shall be paid the value of the policy increased by 10% of said value, with a minimum of 600 Euros and a maximum of 6,000 Euros until the age of 65, at which point the additional amount shall remain at 600 Euros. In the event of disability, the aforementioned amount shall be paid to the insured.

Can I suspend the premium payments?

Having fully paid up the premiums for the first year, the Insured may suspend the premium payments, which will lead to transforming the policy into an insurance of the same type of policy and free from premium payments, according to the value of the policy in force at the time.
If so desired, the insured may resume the premium payments without having to pay the premiums unpaid to date and without having to pay any interest in concept of reinstating the insurance policy.

What tax advantages does a Guaranteed Retirement Savings Plan offer?

The annual contributions paid into a PPA reduce the taxable base of one's income tax. Said contributions have a maximum limit according to the age and the taxable income tax base of the insured, and according to the existing tax regime in each Autonomous Region.  When the benefit is received, its sum will be taxed as employment income, in accordance with the personal circumstances of the insured at the time it is received.

Personal Savings (PIAS)
 

What are the minimum and maximum ages for taking out a contract?

The minimum age is 18 years and the maximum age is 60 years.

What is Ocaso Personal Savings?


Ocaso Personal Savings consists of an individual life insurance, with a variable interest rate which is guaranteed annually, the main coverage of which is to constitute a capital sum which will be received on the date of termination of the initially agreed duration, which must be at least 10 years. The variable interest rate cannot be below the amount resulting from reducing by one percentage point, the interest established by the Directorate General of Insurance.

How can Ocaso Personal Savings be taken out?

The Ocaso Personal Savings Plan can be taken out by making the periodic payment of the premiums in accordance with the chosen form of payment. The initial periodic premium starts from 840 Euros per annum, if at the time of procuring the services the insured is below the age of 50. For ages above that, the initial periodic premium starts from 1,450 Euros per annum, according to the chosen form of payment. The premiums will increase by at least 3% calculated based on a geometric progression. One may make extraordinary contributions to the single premium in the minimum amount of 600 Euros. The limit for the premiums paid within one calendar year cannot exceed 8,000 Euros, and within the entire plan they cannot exceed 240,000 Euros.

What is the value of the policy?

It is the fund comprised of the contributions made by the insured person, revalued at the annual technical interest rate applied to each quarter, after having deducted management expenses, administration costs and the risk premium for death or disability, foreseen in the particular conditions. Its amount coincides with the mathematical provision.

What is the redemption value?

It is the amount to be perceived by the insured, as a consequence of exercising his/her right to terminate the contract, after having paid the first two annual premiums in full. It is equivalent to the policy value minus the applicable expenses and penalties, according to the particular conditions of the policy. The redemption may be total, partial or automatic.

What happens if the insured dies?

In the event of death, the designated beneficiaries shall be paid the value of the policy increased by 5% of said value, with a minimum of 500 Euros and a maximum of 5,000 Euros until the age of 65, at which point the added amount shall remain at 500 Euros.

Can I suspend the premium payments?

Having fully paid up the premiums for the first two years, the Insured may suspend the premium payments, which will lead to transforming the policy into an insurance of the same type of policy and free from premium payments, according to the value of the policy in force at the time.
If so desired, the insured may resume the premium payments without having to pay the premiums unpaid to date and without having to pay any interest in concept of reinstating the insurance policy.

 

What is the continuity bond?

Ocaso shall increase the value of the policy, upon completing the seventh annuity, in an amount equal to 1% of the total periodic premiums agreed at the start of the contract and paid up until the initially agreed maturity date. The insured shall receive the resulting amount, along with the rest of the value of the policy on said maturity. The extraordinary contributions and the supplements which lead to an increase in the periodic premium during the duration of the contract, shall not be taken into account for calculating the bond. The supplements for reducing the periodic premium, as well as the total or partial redemption of the policy, will lead to losing the right to receive the bond.

What tax advantages does the Ocaso Personal Savings Plan (PIAS) provide?

If the benefit is received in the form of lifelong income, the capital gains generated at the time of its constitution, shall be exempt for taxation, provided the first premium paid was done so over ten years before the constitution of the lifelong income.

SME insurance
 

Why an SME insurance?

Ocaso has designed the Combined SME Insurance, which aims to offer comprehensive cover for the risks which may entail a threat to the normal performance of any small and medium-sized company.
Furthermore, this insurance becomes even more necessary than for a large company given that these businesses lack the infrastructure, equity and means which benefit the large companies and the occurrence of an accident could entail closing the premises or, in the best of cases, a loss of income which has to be faced with a very small budget.
 

How is the Premises to be insured calculated for an SME?

The premises to be insured is calculated in the same manner as for a home or a commercial establishment, by multiplying the surface of the SME in square metres by the value of the square metre, which currently ranges between 300 and 1,500 Euros, depending of the quality of the construction and the characteristics of the partitions of the same, applying a higher value to partitioned premises than to open-plan ones.

What would happen if due to an accident, I were forced to close my business for a certain amount of time?

If you take out the optional guarantee for loss of income, Ocaso will guarantee the loss of income which would be caused in the event of an accident.

Comercio
 

How can I calculate the Premises for a retail or office space?

In order to calculate the insured sum you must take into account the reconstruction value of the building, which is calculated by knowing two figures:
- The built surface in m2, adding the square metres corresponding to the common parts, also belonging to the property.
- The value of the m2. At present, this is established at 565 Euros for an average construction quality.
After having obtained both figures, the surface and the value of the square metres, one just has to multiply both values.

How can I calculate the Content of a retail or office space?

To calculate it we must take as a reference the value when new or the replacement cost of the good. It is very important to correctly insure the goods in order to not under-insure or over-insure, that is, value below or above the value of the good, which will normally have a negative influence in the event of receiving compensation.

Which are the basic guarantees which are covered by a Commercial Premises insurance policy?

Some of them include covering the damage caused by fire, explosion and electricity, smoke, wind, snow, broken windows which may have been caused by a vehicle colliding into the establishment, demolition costs and removal of debris, loss of rent in the event of an accident, etc.; taking into account that all of these guarantees and many others are basic and in this case cover 100% of the insured capital.

In the event of a lorry crashing into the front of my establishment and breaking the window and everything inside it, would I have to pay for these costs?

No, in this case Ocaso would pay for 100% of the insured goods.

Pets
 

What does this insurance cover?

Throughout the country and in most of the autonomous regions, dog owners are obliged to take out a civil liability insurance. This obligation depends on the breed and the weight or size of the dog.
We want our pet, as a member of the family, to be protected against any contingency. However, our pet may voluntarily or involuntarily cause damage to third parties, in which case we, as the owners, would be directly responsible.
Our insurance guarantees a capital, of your choice, for facing said claims, but also offers the possibility of taking out other guarantees for covering the costs derived from accidents suffered by the insured animal, theft and/or loss, kennel accommodation, telephone assistance, etc.

What basic cover does this insurance offer?

The guarantees which can be taken out are the following:

CIVIL LIABILITY COVER:

  • Civil liability
  • Defence
  • Bails
  • Claims for damages

GUARANTEES FOR DAMAGE CAUSED TO THE ANIMAL:

  • Death due to Accident
  • Veterinary costs due to Accident
  • Costs involving putting the animal down and eliminating the body due to an accident
  • Theft
  • Loss: costs for locating the animal by placing adverts in communication media
  • Accommodation costs for the lost animal
  • Stay at kennels for the animal due to the insured owner being hospitalised

GUARANTEED TELEPHONE ASSISTANCE

What animals can be insured?

The following animals can be insured, provided they are older than four months and younger than ten years:

  • Dogs destined for being pets and/or for guarding.
  • Cats destined for being pets (they may only take out civil liability cover).

No other animals, other than cats or dogs, can be insured.

Does this cover civil liability for damage caused by the animal to a member of my family?

Any individual or legal entity shall be considered a third party when they are not:

  • The policy holder and/or the insured.
  • Their spouse or domestic partner.
  • Ascendants and descendants of the policy holder and/or insured.
  • Any person residing or normally and permanently living with the policy holder and/or insured.
  • Partners, directors, employees and people who in law or in fact maintain a labour relationship with the policy holder and/or the insured, while acting within the scope of said relationship."

How much can I value my animal for?

Its value will be the market price, according to the breed of a puppy of similar characteristics to those of the insured animal, plus the training cost, plus the value acquired through competitions and/or exhibitions.

If my animal causes a breakage, deterioration or destruction of something, would this be covered by the insurance?

Yes, the policy covers personal and material damage, as well as the economic consequences deriving from said damage.

Multi-Risk Hunter
 

What does this insurance cover?

Guarantees which can be taken out:
• Civil Liability insurance of mandatory subscription according to capital and cover provided by Royal Decree 63/94, of 21 January 1994: personal injuries caused to third parties while hunting.
• Complementary Civil Liability Insurance: personal damage, in addition to the mandatory cover and material damage.
• Legal Defence.
• Bails.
• Claims for Damages.
• Accidents while hunting.
• Travel assistance.

What dogs are covered by this policy?

The civil liability cover for damage caused to third parties only includes a maximum of two dogs.

What benefits does Ocaso offer with this combined Hunter insurance?

  • The payment of compensation for damages caused to third parties by the insured derived from hunting, both personal and material damage.
  • Legal defence and bails
  • Amicable or judicial claims for damages caused by a third party to the insured, provided that in the event of the insured having caused the damage, its liability were covered by the policy.
  • Accident of the insured while hunting which causes: death, permanent disability and/or medical/pharmaceutical assistance.
  • Travel cover for accidents suffered by the insured due to hunting or in the travel to and from hunting activities.

Could I have the insurance tomorrow?

Yes, we will send you a provisional policy document, valid as of the first day, then we will send your definitive contract documentation.

Recreational Craft
 

What type of craft does this insurance cover?

Any craft which is duly registered (in list seven) pursuant to the current legislation and are destined for private use by its owners (sail, motor or rowing).

What guarantees can I take out?

BASIC CIVIL LIABILITY GUARANTEES (in accordance with capital and guarantees established by Royal Decree 607/1999, of 16 April):
• Legal Defence
• Bails.
OPTIONAL GUARANTEES:
• Damage caused to the craft: one must indicate an insured sum which coincides with the new value of the craft + engine + accessories and/or fixed equipment.
• Voluntary civil liability: complementary to the mandatory insurance cover.
• Claiming damages
• Individual accidents to those on-board: death, permanent disability and medical/pharmaceutical assistance.
• Participation in regattas.

Where can I sail and still be covered by my insurance?

In Spanish territorial waters, extendible by prior consultation with the Company.

Does my insurance cover participating in regattas and/or sporting event?

Initially no, but may be included after individually studying the case which is previously presented to the Company.

Is the mandatory civil liability insurance compatible with the provisions established by the Regulation for recreational crafts?

Yes, the cover is governed according to the limits, terms and conditions established in Royal Decree 607/1999, of 16 April, which approves the Regulation for Mandatory Civil Liability Insurance for recreational or sports crafts, with the following capital:
Insured capital:
• Personal damage: up to 120,202.42 Euros with a maximum limit of 240,404.84 Euros per incident.
• Material damage and economic losses: 96,161.94 Euros
• Legal Defence
• Bails

Can I insure the craft if it is used for rental to third parties?

No, recreational crafts registered in list six are excluded from the procurement rules.

What type of crafts are obliged to take out mandatory civil liability insurance?

All recreational or sports crafts which are propelled by an engine, and those which do not have an engine but exceed six metres in length.

What criteria should I apply for determining the insured sum of my craft for taking out the insurance?

The insured capital for guaranteeing damage caused to the craft will be the New Value, that is, the total retail sale price when new, including transportation expenses, customs and any legally applicable taxes. If the craft is no longer manufactured, one will use the price applicable to a craft of similar characteristics.

Customer service

Inquiries
 

What is a Claim Inquiry?

Any communication, clarification or request you wish to make in relation to an insurance claim related to one of our products (home, life, accident, buildings, etc.).

Who can file a Claim Inquiry?

The insured, their representatives or third parties involved in a claim incident.

What is a claim inquiry filed for?

To communicate necessary information in the processing of a claim or to make requests or express disagreement with regard to the processing of said claim.

How is a claim inquiry processed?

As soon as the advice is received, our staff initiates the process of information and coordination in order to resolve the inquiry.

Who processes a Claim Inquiry?

There is a specific department, within the Claim Division, whose main task is to analyse, process and resolve Claim Inquiries.

What information shall I receive regarding the Claim Inquiry?

If the inquiry requires an answer, we shall contact you as soon as possible by the means indicated by you, to provide you with the information obtained regarding the issues contained in the inquiry report.

How much does it cost?

Processing an inquiry does not generate any expenses.

Complaints
 

How do I file a complaint?

It can be filed in any of the following ways:

  • From this website through of the  claims form.
  • By writing a letter to:
    Ocaso, S.A.
    Departamento de Atención al Cliente
    C/ Princesa, 23
    28008 - MADRID (Espanya)
    sending it by ordinary post to the address above or presenting it at any of our offices.
  • To the following email address: dac@ocaso.es

Who can file a complaint?

The Insured, policyholders, adversely affected third parties or those holding their rights, under Ocaso policies or in respect of claims relating to such policies.

When can I file my complaint?

You can file your complaint after your claim has been rejected by the corresponding office, department or service, or if you have received no information from our company regarding your claim in a reasonable amount of time.

hat information must I include when I file my complaint?

If you have chosen to send a written letter or email you must include the following details:

  • Name, address and National Identity Number of claimant, as well as, if applicable, those of his/her representative.
  • Reference to the policy and/or the claim incident which the complaint refers to.
  • Cause of complaint or claim, clearly specifying the questions which the claimant wishes the Customer Attention Department to answer.
  • Office, department or service whose decision or action is the reason for the complaint or claim.

 

Who receives the complaint?

In all cases, the Customer Attention Department of Grupo Ocaso receives the complaints. This department is in charge of making the corresponding decision regarding each complaint.

How long will the Department take to answer?

The Customer Attention Department, after gathering all the background information and relevant reports, will answer as quickly as possible and in all cases within two months.

How will I be answered?

By default, you will receive your answer in writing. If you have chosen to use the form in this website, the answer will be issued in the way you choose in said form.

If I am not satisfied with the answer, can I appeal in any way?

Yes, you can address the following body:

Servicio de Reclamaciones de la Dirección General de Seguros y Fondos de Pensiones
Paseo de la Castellana, 44
28046 - Madrid.

 

Claims
 

What is considered to be a claim?

A claim is an event which leads to specific damage, guaranteed by the insurance policy up to a certain limit. It also leads to the appearance of the compensation principle, according to which insurance companies are obliged to fully or partially pay the insured or his/her beneficiaries the capital guaranteed in the contract.
However, a claim does not always need to be understood as a negative event, given that there are positive claims, such as reaching retirement age and acquiring the right to collect an income.

Why report an claim?

A claim is reported with a view to informing the Company of an event which leads to specific damage, guaranteed by the insurance policy up to a certain limit.

I have had a claim and would like to report it.

You have three exclusive lines for reporting any claim 24 hours-a-day:

- In the event of a claim involving Death 900 14 15 16
- In the event of any other claim 902 33 23 13
- In the event of a claim involving your vehicle 902 48 38 28

You may also report a claim via the following form including all the details and we will contact you as soon as possible.

Claims or other procedures related to an claim.

Ocaso has made available to its client an exclusive telephone line for handling your claims.

Telephone line for reporting claims 900 32 00 32.
If you prefer, you may report any matter via the Internet. To do so, you only need to fill out the following form.

Who can report an claim?

The insured, his/her representatives or third parties involved in the claim.

What information will I receive regarding a claim?

If the claim requires an answer as soon as possible, we will contact you via the means indicated by you in order to facilitate the information obtained regarding the matters you have put forward.

What happens if I do not agree with the resolution?

In this case you may decide to report a inquirie.

Are there any associated costs?

Claims management does not entail any cost.

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