Property deed insurance


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Do you want to enjoy the most important investment of your life with total peace of mind?

Our title deed insurance offers absolute peace of mind by protecting the ownership, use and enjoyment of your home.
home insurance


Did you know that title deed Insurance...

  • Offers you security for 20 years?
  • Ensures that any legal rights acquired in the property deed shall be respected?
  • Certifies that the home purchased by the customer fulfils all the agreed legal conditions?
  • Establishes a guaranteed resolution commitment within a maximum period of 6 months?
  • Working alongside a team of expert lawyers, they will handle the resolution of your problem with the greatest diligence and effectiveness?
Even so, there are still a few myths...

Myths Answers
"It is too expensive for what it covers". Coverage for 20 years, with damage compensation of up to €360,000 (if the issue is not resolved within 6 months) for a little over €1 per month.
"Getting a claim sorted is a very slow and torturous business". The policy provides a firm commitment that guarantees a solution for our customers within 6 months or, failing that, compensation for the damage incurred of up to €360,000.

Please see the guarantees below


We protect you against:
Vendor identity theft.
Over the next 20 years, if someone tries to steal your identity in order to sell your home.
During the buying process, if the vendor is not the actual owner or is acting on behalf of the owner with falsified or withdrawn credentials.
No entry in the Property Register. Consequences.
The owner has no legal defence and so may lose their property or suffer economic damage with regard to liens or embargoes.
Legal insecurity. The insurance acts in this case as an alternative register while preserving the guarantees that would be covered by the Property Register.
Demolition Order.
If there is a demolition order on the property because the building permit awarded at the time is illegal, having violated land management and construction laws.
Failure to disclose on-going administrative proceedings.
When, during the sale, there is a failure to disclose the existence of an expropriation, ruin or rehabilitation report filed.
As inspected.
Cases in which it is discovered, after a time, that part of a home turns out to be not owned by the person who bought it.
Impossibility of access.
Future impossibility to access the home, garage or storeroom.
Property smaller than indicated on plans.
In new builds, when the total square footage of the property is more than 10% smaller than the figure indicated on the plans.
The size of the garage bought off plan is too small to park a car.
Vendor bankruptcy.
In the coming years, a judge declares that the house you have purchased is part of the bankruptcy proceedings of the previous owner (preferential rights of creditors).
Third party rights: easements not registered.
Existence of easements in relation to the purchased property, not disclosed at the time of the sale.
Third party rights: unknown heirs.
If, in the future, unknown heirs to former owners come forward to claim the property.
It is determined that the last will and testament has been falsely interpreted.
Boundary conflicts.
A neighbour alleges that the property you bought exceeds the boundaries established, invading their own property.
Outstanding taxes, expenses or management fees.
Over the next 20 years:
  • You discover that you have paid higher management fees than you should have.
  • You are asked to pay for a fee or expense for which you are not liable.
  • There are taxes pending payment that, due to error or omission, you should not have to pay.
Concealed rental contract in force.
The house you have purchased has been previously leased to a third party. The lease is in full force until maturity, regardless of the change in ownership.
Legally incapacitated vendor.
It is discovered that you purchased the property from a legally or judicially incapacitated vendor.
Concealed legal error.
Over 20 years, an error or irregularity in the deed might be uncovered, which prevents or hinders the sale of your home, or limits your right of ownership or enjoyment of your property.
Disputes with neighbours.
Over the next 20 years, you may discover agreements adopted by the Association of Home-Owners that limit your right of ownership or use and enjoyment of the purchased property.
Marital problems.
The person who sold you the property has sold the spousal home without the consent of their partner. If the couple have a child under the age of 18, you may not access the property you have just purchased.
The absence of a certificate of occupancy for the property.
When you buy a new build, you discover that it does not have the corresponding certificate of occupancy, and so you are unable to connect the water and electricity supply.
Insurance provided by CAJAMAR SEGUROS GENERALES S.A., de Seguros y Reaseguros, through Cajamar Mediación, Operador de Banca-Seguros Vinculado, S.L.U., CIF B04428223, entered in the D.G.S.F.P. directorate with administrative code number: OV0014, with Public Liability insurance in place, pursuant to art. 21, point 3, section h) of Act 26/2006, of 17 July.
Go to www.grupocooperativocajamar.es/aseguradoras to see which insurance providers the Linked Bancassurance Operator has agency contracts in place with.

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