Our home insurance is one of the most comprehensive options available and offers protection for your home from virtually all risks.
It’s the best form of life-risk protection. Not only are we thinking about death, where your beneficiaries would receive financial compensation, but you should also think about you, since it offers optional guarantees such as Absolute and Permanent Disability, in the event of which you would receive the corresponding amount agreed in the policy.
No. Compulsory insurance is liability insurance, which covers compensation for damage that the driver may cause to other people or property. Therefore, in the event of an accident, the insurance would cover liability for damage to the remaining occupants of the vehicle, but the driver would not be covered. In order to cover any bodily injury that the driver may suffer, you can take out “Driver accident” cover.
Unless otherwise agreed, the following waiting periods are established for each of the guarantees:
Because, although we have a strong National Health Service, the long waiting lists for appointments with a specialist or for an operation, together with the difficulty of fitting appointments in around their working day, mean that people are increasingly moving away from this option, especially when we have more than 50,000 professionals and 256 clinics at your disposal.
Yes, in order to practice hunting, you must have Public Liability Insurance, in addition to the corresponding hunting license issued by the regional authorities. We recommend that you always carry this documentation with you.
Accident insurance covers you in the event of accidental injury, disability or death.
False. Your health insurance may cover part of your medical expenses but the Temporary Incapacity to Work Insurance offers compensation in the event of both illness and accident.
If you have to make a claim, you will need to submit it through the new MIS SEGUROS portal (you can access it via web), by entering your username and password (access through Insurance-My Insurance), or on the App (access through Insurance-My Insurance).
You can also contact the company calling 911697470.
When registering a claim, you must provide the following information: name, policy, date and time of the accident/incident, description of the accident/incident, causes, place and contact telephone number.
Our day to day is busy, full of constant comings and goings to work, school, shopping, with so many possible unforeseen events for which we have to be prepared, not only for ourselves, but also for our loved ones.
Yes, you can. The policyholder and the insured person and/or regular driver may be different people.
Yes, the age limit set in the General Terms and Conditions is 99.
In some parts of Spain, you are legally required to have Public Liability Insurance to practice fishing.
According to current legislation, an accident at work is any bodily injury suffered by the worker during or as a result of the work performed on behalf of others.
False. Although you have a job that is considered to be “safe”, you need the accident insurance to cover any accidental injuries that may occur at any time, even outside work.
A waiting period is the period of time that begins at the start of the policy during which the insured party is NOT entitled to the benefits derived from the insurance for certain specialist medical fields.
Make sure you insure your home/contents for the value they would have ‘as new’. This premise is fundamental in the event of a claim, because otherwise the insurance payout would be less than sufficient to cover the damage actually caused, since they would be ‘underinsured’, and in the compensation would be proportional to that lower value.
Yes, and you should make sure you know what they are, for example:
Yes, for saloon vehicles. Although the limit is set at Europe plus a coastal strip 200kms wide in non-European countries bordering the Mediterranean.
In terms of providing assistance to people, they must be outside the urban area of their usual place of residence.
Yes, if the hunter has a personal accident, through the optional guarantee covering accidents affecting the hunter or fisherman, which covers personal injury due to death or absolute and permanent disability of the insured party and health care expenses of the insured party.
A personal accident is one that happens suddenly and cannot be foreseen, and which causes injury, disability or death to the insured party.
Yes. As long as you are up to date with your insurance payments, you will have the peace of mind that comes with knowing you are insured and you won’t leave your family with any loose ends.
We can insure you from birth right up until the day before you turn 65.
False. An accident may occur at any time, regardless of your health and age.
Any one between the ages of 14 and 74 can be insured. The death cover will be maintained until the age of 75 and the disability guarantee (optional) until the age of 65.
In essence, third-party insurance only covers damage caused to injured third parties, although guarantees such as travel assistance and accidents for the driver are usually included. Fully comprehensive insurance includes optional guarantees such as own damage, fire, theft, total write-off, all pertaining to the vehicle.
Lump sums can be revalued at 3%, at the policy holder’s request.
As soon as you take out the policy. Always with the exception of benefits that have a waiting period, which mean you will have to wait until the end of this period to use them.
No, with our Hunting and Fishing Public Liability Insurance, you will be protected for both sporting activities, regardless of whether you practice one or both.
False. Life insurance can provide financial protection for your family in the event of death, but it will not cover you in the event of illness or accident that does not result in death.
It is an annual insurance policy renewable up to the maximum age stipulated in the policy.
We guarantee the transport of passengers to their place of destination or point of departure, depending on whether you have reached the half way point of your journey, in the event that repairs will take more than 24 hours, given the magnitude of the breakdown.
Yes, and we strongly recommend you do so. Funeral cover includes a guarantee for transfers, and this guarantee applies to the policy regardless of the number of people insured by it, so the policy will be more economical if the whole family is included.
Life insurance covers death by any cause, while accident insurance only covers death in the event of an accident.
Of course. You have at your disposal healthcare professionals, medical facilities, hospitals and other services, which work directly with the insurance company, nationwide. We have one of the most complete and extensive networks of healthcare providers on the market. Additionally, in our Choice policy, you can choose any healthcare professional (Generali will reimburse 90% of the cost if you choose to go outside its own network).
Wouldn't it be better to have those savings for other unforeseen events, or for retirement? With this insurance, you foresee a drop in income in the event of an accident or illness, because you can maintain your liquidity without touching your savings for a small cost.
GENERALI has a wide network of premium quality garages, with exclusive services for our customers. However, as an insured party, you have free choice of garage as long as, when taking out insurance, you have not customised your cover by opting solely to use approved garages.
Yes, you have several options. You can choose to pay monthly, quarterly, or every six months. You also have the option of including this insurance in the Insurance Club.
This insurance is for both employees and self-employed workers. Although you will continue to be paid, generally speaking, there are days that you don't get paid and you will be paid between 60% and 75% of your contribution base for the other days, so the real loss can be considerable.
A courtesy car will be provided in the event of accident or theft, provided that you have taken out this option in the terms and conditions of the insurance and the damage will take more than 8 hours to repair according to the rate for your make of vehicle or if it is considered a total write-off.
There are few exemptions and they do not apply in the event of an accident.
Yes, there are discounts for the number of people insured, from 5% (3 people insured) to 15% (7 or more insured).
No. One of the advantages of our Temporary Incapacity to Work Insurance is its independence from the Social Security in order to get paid and continue working, as you only need a medical report.
