Frequently Asked Questions (Castellano)
With clients in over 22 countries, I offer a professional service by
email, fax and telephone (
Some
clients ).
Glossaries...
| What does by commercial premises insurance cover? |
Commercial Premises insurance |
(
A. Basic covers (
A.1. Material damage or losses sustained by the building and /
or contents [
1. Fire, explosion or implosion, lightning [
Fire
/
Explosion or implosion /
Lightning
] / 2.
Water damage /
3. Vandalism or riotous acts /
4. Natural phenomena /
5.
Flooding /
6. Smoke
/ 7. Impact
/ 8.
Sound waves /
9. Spilling or leaking of extinguishing devices /10.
Electrical damages.htm /
11. Temporary removal /
12. Breakage of glass ] /
A.2. Expenses and losses associated with material damages [
1. Demolition and debris removal expenses /
2. Fire extinguishing expenses /
3. Costs incurred for the clearing and removal of mud as a
result of flooding /
4. Any costs incurred by the insured to refill any fire
extinguishing equipment used /
5. Any costs incurred to obtain permits and / or licences /
6. Professional fees /
7.
Loss of rent /
8. Forced eviction /
9. Replacement of documents /
10. Expenses incurred in the aesthetic reconstruction of the
building ] /
A.3. Claims for damages [
Object of the insurance /
Benefits from the insurer /
Insured sum /
Procedure in case of loss /
Payment of fees /
Conflict of interests ] /
A.4. Assistance at the business premises [
1. Personal assistance (
Sending a professional substitute /
Early return due to theft with violence or fire in the premises
/
Early return due to the death of a member of the management team
/
Theft with violence or loss of credit cards /
Medical transport in the case of accident or illness /
Sending a nurse to the insured's residence /
Sending medication to the insured's residence /
Transmission of urgent messages ) /
2. Assistance linked to the loss (
Organisation of the transfer of insured contents to a furniture
repository /
Security personnel /
Sending of professionals to repair the damage caused by a loss
covered by the policy /
Sending of professionals to repair the damage caused by loss not
covered by the policy /
Emergency electricity /
Emergency locksmith /
Legal advice in case of theft with violence ) /
3. Information and advice (Legal
information service
Succession rights /
Consumer defence /
Tax
matters /
Criminal procedure /
Employment - related matters / Urban
leases ] /
IT advice service (
Extensions of the service /
Limitations of the service ) /
Vehicle rental management service (
Procedure to follow in the case that assistance is required
) /
Extension of the service /
Limitations of the service ) ] )
B. Optional covers
|
| Death - and repatriation of body |
Liberty accident insurance |
10. Transportation or repatriation of the deceased and of
accompanying insured individuals |
| What else may be covered by your accident insurance? |
Liberty accident insurance |
1.
Death due to an accident / 2.
Death due to an accident - monthly annuity /
3.
Death due to a traffic accident /
4. Death of the insured and spouse due to accident /
5. Permanent disability due to an accident (5.5
Assessment scale for degree of permanent disability /
Rules for the valuation of disability -
skull
/ face
/ torso
/
abdomen and pelvis /
cervical column /
dorsal lumbar spine /
upper limbs /
lower limbs /
loss of movement /
nervous or central system ) /
6. Total permanent disability due to an accident - monthly
annuity /
7. Permanent disability due to a traffic accident /
8. Major
disability due to an accident /
9.
Total permanent disability due to an accident - reform expenses
/ 10.
Death due to a heart attack /
11.
Total permanent disability due to a heart attack /
12. Temporary disability due to an accident - daily indemnity
/ 13.
Health care expenses arising from accidents (
Limited expenses. /
Included expenses ) /
14 Hospitalisation due to accident - daily indemnity /
27
- Travel and home assistance (1.
Medical transportation or repatriation of injured or ill
individuals /
2. Transportation or repatriation of insured accompanying family
members /
3.
Early return of the insured due to the death of a family member
/ 4.
Early return of the insured in case of a fire or a claim at his
or her residence /
5.
Round trip ticket for a family member and hotel expenses /
6. Medical, surgical, pharmaceutical and hospitalisation
expenses abroad /
7.
Expenses for the extension of a stay in a hotel abroad /
8. Urgent dental treatment expenses abroad /
9. Sending medicines abroad /
10. Transportation or repatriation of the deceased and of
accompanying insured individuals /
11.
Search and transport of luggage and personal effects /
12.
Sending and / or forwarding forgotten and / or stolen objects
during travel abroad /
13.
Relay of messages /
14. Legal information abroad /
15.
Travel information ) /
Home assistance cover (
1. Territorial scope /
2. People with rights to this service /
3. Ways to request the service /
4. Object of the cover (
1. Childcare (Babysitting service) /
2.
Household care /
3.
Accompaniment for the ill /
4. Forwarding of medicines /
5. Duty chemist night service /
6. Assistance for re-entry into the home (Transportation
expenses) ) )
28 - Repatriation assistance (
Repatriation of the deceased /
Companion in the event of transport due to death /
Round trip expenses for a family member in case of
hospitalisation /
Round trip ticket in the event of the death of the insured's
parents /
Telephone service for medical advice /
Telephone interpretation service /
Telephone service for legal advice /
Telephone service for procedural advice (Telephone
administration
Procedures in the event of the death of the insured /
Information service ) )
|
| What does my home insurance policy cover? |
Liberty Quality Home Insurance |
A1. Fire,
explosion, lightning
A2. Water damage
A3. Extension of
cover
A4. Breakage of
glass, mirrors, marble, granite, sanitary ware / elements and
vitro-ceramic cooking surfaces
A5. Theft with
violence, mugging or theft with intimidation or attempted theft
with violence or attempted theft with intimidation and
mysterious disappearance
A6. Miscellaneous
expenses
A7. Electrical
damage
A8. Aesthetic
restoration of building and contents
A9. Garden
reconstruction
A10. Temporary
removal of contents
A11.
Refrigerated goods
A12. Garden
furniture
A13. Liability
A14. Home
assistance
A15. Family
legal defence / claim for damages
Optional cover
|
| What does my life insurance policy cover? |
Liberty Life insurance |
(
A. Object of the insurance /
B.
Basic cover of the policy /
C. Additional covers of the policy [
1. Accidental death /
2. Death due to a road-traffic accident /
3. Permanent total disability /
4. Permanent total disability due to an accident /
5. Permanent total disability due to a road-traffic accident
/
6. Serious illnesses (
Heart attack /
Coronary artery (by-pass) surgery /
Cerebrovascular accident (stroke) /
Cancer /
Organ transplants /
Kidney failure /
Paralysis - paraplegia ) ] )
|
|
Does travel insurance also cover delay due to volcanic activity? |
Worldwide Travel Options |
Cover and benefits (Basic Cover) /
Cover non-medical option /
cover trip cancellation option |
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BUPA
International - FAQs (English)
ihi Bupa - FAQs (English)
Liberty - FAQs
(English) (
House and
contents questions )
Sanitas - FAQs (English)
Contact ...
accident insurance /
Boating insurance (jet skis, sailing and motor boats) /
Business insurance (churches,
clinics, factories, schools, shows, Town Halls, warehouses,
workshops (chemical products, leather, metal, paper or cardboard,
plastic or rubber, textile) /
Car
insurance (including foreign number plates/registrations, top of the
range or Classic cars) /
Caravan insurance /
Civil liability insurance eg trades, hairdressers, academies, bars,
restaurants, tourist guides, monitors, shows) /
Commercial Premises insurance
(amusement arcades
and one-armed bandits, bars, beauty salons, cafes, cake shops,
chemists, clubs, discos, florists, fruit shops, gift shops, gyms,
health shops, hairdressers, international 'phone call shops,
ironmongers, jewellers*, newsagents, opticians, restaurants,
sex-shops, shoe shops, stationery shops, street cafés,
supermarkets, telephone shops*, travel agencies,) /
Financial
planning ideas - and how to save money in Spain ... /
Funeral
insurance /
Golf insurance /
health
and
dental
insurance
plans /
Health
insurance offers eg SMEs, catering, shops /
Home insurance (as an owner or tenant) /
Horse insurance /
Hunting insurance /
Insurance for agricultural vehicles /
Insurance for Building Companies /
Insurance for Electrical Equipment /
Insurance for Haulage Companies /
Insurance for Companies selling or renting equipment /
International health insurance (transfer your Sanitas rights both
ways) /
Life
insurance (protect your family if you die or become disabled) /
Machinery Breakdown Insurance /
Maritime insurance (crews only) /
Mobile insurance -
checklists adapted to your mobile screen... /
Mortgage repayment life insurance (it may be cheaper to replace your
current mortgage repayment life insurance, eg people in Spain
working with/in/on/at:) (
animals /
aviation /
building sector /
Civil protection and police /
countryside, vets /
factories or mines /
home makers or parks /
hospitals, consulting rooms, clinics /
logistics and transport /
office workers /
press or mass media /
sales reps /
ships, wharfs, at sea /
shop workers, SMEs, cars, hotels /
shows and culture /
training, unemployed, retired ) /
Motorbike-motorcycle insurance /
Office insurance /
Responsabilidad
Civil - PYMEs, fundaciones, asociaciones... /
Returning to the UK from abroad? (you may not be covered by the NHS
for 6 months) /
Seguro
contra daños (RC) /
Seguro de amortización, por ejemplo personas que trabajan con/en:
(
animales /
aviación /
barcos, muelles, alta mar /
campo y veterinarios /
casa o cuidando parques /
construcción /
en la calle /
espectáculos y cultura /
fábricas o minas /
formación, desempleados, jubilados /
hospitales, consultas, clínicas /
logística y transporte /
oficinas /
prensa o medios de comunicación /
protección civil y policía /
tiendas, pymes, bares, hoteles ) /
Seguro de automoción
(talleres de automóviles, mecánico, eléctrico, chapa y pintura,
estaciones de servicio, túneles de lavado, garajes, concesionarios
(con o sin talleres de reparación de vehículos) /
Seguro de Comercio
(agencias de viajes, bares, cafeterías, charcuterías, clubes,
discotecas, farmacias, ferreterías, floristerías, fruterías,
gimnasios, joyerías*, locutorios telefónicos, ópticas, papelerías,
pastelerías, peluquerías, quioscos (periódicos, freidurías y bares
en la vía pública), relojerías*, restaurantes, salones de
belleza, salones recreativos, sex-shops, supermercados, tiendas de
calzado, tiendas de productos dietéticos, tiendas de regalos,
tiendas de teléfonos*, tragaperras, traperías y desperdicios )
/ Seguro
de Comunidades /
Seguro de decesos /
Seguro de empresas
(almacenes, ayuntamientos, clínicas, espectáculos, escuelas,
fábricas, iglesias, talleres metalúrgicas / textil / cuero /
plásticos y goma / papel y cartón / productos químicos) /
seguros agrarios /
Seguros para casas
rurales, hoteles, fondas, pensiones, complejos turísticos /
insurance for rural houses, hotels, guest houses, bed and breakfast,
tourist resorts /
seguros para transportistas / transport hauliers / road haulage
insurance /
seguros - vehículos agrícolas /
seguros pecuarios - para su ganado ovino, bovino, caprino y aviar /insurance
for sheep, cows, goats, poultry /
Shop insurance /
Travel insurance - visa compliant eg for US students, tourists or
business trips, includes dangerous areas, professions and sports
/
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Versicherungsantrag und die allgemeinen Bedingungen auf Deutsch
möchten ...
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