Insurance

MG Villas can assist you in all matters relating to home, personal or car insurance, putting you in touch with a number of reputable companies that we have worked with for a number of years. They will be able to give you a competitive quotation for all your needs. One company we recommend is Intasure - scroll down the page for more information and to get a free quote.

Building and contents Insurance

When you purchase a house with a Spanish mortgage you will be required to take out adequate fire and rebuilding insurance. This is often a condition of the mortgage, so you will need to check with the bank. The contents element will protect your contents from loss or damage. It is important to check for any security requirements – alarms, security doors etc - as the omission of this may render any insurance claim invalid. Some insurers specify that if you are not resident all year then you are required to make certain arrangements for non-winter use, for instance central heating may need to be on a winter setting.

There are certain requirements for properties that will be let out to guests. Check with your insurer for full details as you may be liable for any personal accidents or injury that may occur on your property. This is often called a Personal Liability Insurance. Look for an insurance company, such as Intasure, that offers policies tailored to holiday lettings. Be sure to do your research and always read any terms and conditions.

Life Insurance

Life insurance is also a good idea to guarantee loan payments in the case of death. This is also a requirement from your mortgage lender.

Health Insurance

The Spanish health system is very good, compared to many European countries, but if you wish to supplement this with private health insurance then there are many options to choose from. MG Villas will be pleased to advise you on this.

Intasure is an insurance provider that specialises in providing comprehensive and flexible cover, against all eventualities, for holiday homes overseas. Authorised and regulated by the Financial Services Authority and with years of experience, every Intasure policy is underwritten by Lloyds of London and offers a host of benefits. One of the key advantages is the UK-based English speaking team that resolves any problems that may arise. In addition, all policy documentation is written in English - so you know exactly what you are getting.

Make sure you take advantage of the discounts available on a wide range of Intasure products. Ask for details.