Insurance become a tool with which to obtain peace of mind in almost any area of life. The insurance culture in Spain seems to grow and with it the level of penetrationof insurance on households increases. According to data from the Social memory ofthe Spanish insurance prepared by Unespa (business insurance Association) and also collecting data provided by the National Institute of statistics (INE) in its survey offamily budgets, households spend 3.6 per cent family insurance budget.
In Spain, for its mandatory nature, auto insurance is it presenting a higher penetration rate, 81,24%, followed by home insurance (75,84%), the funeral (51,87%), insurance of health (29.28%) and general liability (12.60%) according to the data from Unespa.
Take out any insurance is a decision which is based on the responsibility and that means to get that plus of tranquility that is needed in this uncertain world. But the insurance world is not easy, many clauses, conditions and small print in policies that many just don't understand or even or read - poorly done on our part.
1. health insurance: there is no notice changes in health status
Insurance that have to do with people, in it there longer to communicate the changes that occur in the State of health. An amendment amends article 11 of the law of insurance contract, so the article is drawn up in the following way "In insurance of persons the policyholder or the insured have no obligation to communicate the variation of the circumstances relating to the State of health of the insured, which in any case will be aggravation of the risk". This indicates that any changes in health statuswill not involve an increase in the premium and the aggravation of the risk must beassumed by the insurer.
2 life insurance, subject to inheritance tax collected
After certifying that it is a life insurance beneficiary, procedures are started to be collected. But you have to be very clear that this perception of money that comes froma life insurance after the death of the insured person is subject to the payment of the inheritance tax and donations (the amount receivable by the life insurance will beadded to all goods and rights of inheritance), in fact insurers require proof of payment of this tax to be cashed - to speed up the process allowed the partial settlementof the tax that is relative to the policy instead of any inheritance, so that you don't cause a financial loss-.
3. right of withdrawal
Perhaps few people be aware that enjoys this right, the power solve the insurance contract without justifying the reason and without penalty within certain time limits.Guide for the procurement of insurance prepared by Dirección General de Segurosy Fondos de Pensiones indicate that the insurance policyholder is entitled to cancelthe insurance contract within a period of 14 days for non-life insurance, and within aperiod of 30 days for the branch life insurance since held the contract or since the contractual information is received. In these periods, depending on the type of insurance that is not will have to explain the reasons why we want to cancel the insuranceand the insurance company cannot refuse and not to impose a penalty of any kind -that Yes, will have to pay part of the premium corresponding to the days that the insurance has been in effect. The desire to exercise this right should contact the insurer through the paper or another durable medium.
4 an insurance contract duration: no more than 10 years
Article 22 of the law of insurance contract stipulates "the duration of the contract will be determined in the policy, which may not lay down a period exceeding ten years". An insurance contract may not be longer than ten years, but what can happen if is that extensions - are established they must be of a maximum duration of one yeareach time.
5. what insurance through Bank or insurance company?
A study carried out by INESE and Global Actuarial determines that when hiring a risklife insurance for a person of 30 years and with a capital of 30,000 do so through a bank is 11.26 euros more expensive that do so through an insurance company. The insurance market is multi-channel, so to get a certain pathways are several. You mustcompare conditions, prices, coverage, trust that provides each channel.
6. what unify car and motorcycle insurance?
The law States that motor vehicles will need to have in place "a contract of insurance for each vehicle". This implies that it is impossible that two vehicles are covered under a single contract of insurance. What is produced by marketing the unification oftwo insurance in one is that indeed two policies are made and whose total price is cheaper.
7. what compulsory insurance for dogs?
According to the place of Spain and the breed of the dog, the civil liability insuranceis mandatory. In the Basque country and in the community of Madrid, each and every one of the dogs residing there must be insured with the aim that civil liability insurance to cover compensation for damage that could cause both people and goods. And in the rest of Spain, listed dogs as potentially dangerous are also required to be insured (the Royal Decree 287/2002 determines what they do the races Pit Bull Terrier, Staffordshire Bull Terrier, American Staffodshire Terrier, Rottweiler, Dogo Argentino, Fila Brasileiro, Tosa Inu and Akita Inu. Likewise also those dogs that by their physical characteristics are, like for example neck wide and muscular, strong muscles, strong, robust head...).
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