Home Insurance Question.

Do you have a query on how to get things done in Andalucia, where to find things, who to call? Find out by posting and hear about others experiences.
telboy
Resident
Posts: 807
Joined: Fri Dec 31, 2004 2:40 pm
Location: Fuentes de Cesna/Granada Province

Home Insurance Question.

Postby telboy » Sun Apr 07, 2019 12:41 pm

We live in the sticks in an old farmhouse it has not been reformed, we have rejas built into the window frames as of when the house was built. We have no house insurance. I was told years back that you can't get house insurance if your property has no rejas especially on the ground floor windows/doors as it is a security risk - Is this true? So, if I was to have my house reformed, and replaced all windows with modern PVC/Aluminium (con persianas) type, would this be acceptable by insurance companies as making the house secure?

cheers
terry

User avatar
Enrique
Andalucia Guru
Posts: 8398
Joined: Tue Mar 24, 2009 9:47 am
Location: Camberley/Alcala La Real

Re: Home Insurance Question.

Postby Enrique » Sun Apr 07, 2019 1:10 pm

Hi telboy,
You would have to read the Policy small print, the one (policy) we have specifies rejas
Here follows typical wording.............Example only

https://www.intasure.com/docs/holidayhome/wording.pdf

Look at HH907........search page 46
UNIX is basically a simple operating system, but you have to be a genius to understand the simplicity.

telboy
Resident
Posts: 807
Joined: Fri Dec 31, 2004 2:40 pm
Location: Fuentes de Cesna/Granada Province

Re: Home Insurance Question.

Postby telboy » Sun Apr 07, 2019 1:32 pm

Enrique - :thumbup: Thanks for the link - That's a very comprehensive 50 page brochure covering just about everything and in large print too!

cheers
terry

User avatar
Wicksey
Andalucia Guru
Posts: 3558
Joined: Mon Sep 20, 2004 1:21 pm
Location: Axarquia coast

Re: Home Insurance Question.

Postby Wicksey » Sun Apr 07, 2019 2:10 pm

Our house doesn't have rejas but does have windows with built in persianas. We managed to get house insurance OK with Liberty Seguros.

olive
Andalucia Guru
Posts: 3311
Joined: Wed Oct 12, 2005 7:13 pm
Location: Poniente, Granada

Re: Home Insurance Question.

Postby olive » Sun Apr 07, 2019 3:00 pm

Linea Directa do cover no rejas. you have to close and bolt the internal shutters on all windows as part of the small print. Neither Rejas and no rejas just bolted shutters would stop a determined thief but do deter casual ones.

El Cid
Andalucia Guru
Posts: 14811
Joined: Sun Oct 24, 2004 10:42 pm
Location: La Herradura, Costa Tropical, Granada

Re: Home Insurance Question.

Postby El Cid » Sun Apr 07, 2019 6:43 pm

We use Linea Directa. We have no rejas or persianas. They wanted a detailed description of the other security arrangements, walls,windows, doors etc and alarms. We have a Securitas connected alarm and they were happy to cover us at the standard premium. Generally, it is very difficult to get contents insurance without rejas but it is possible.

Sid

User avatar
gretch
Resident
Posts: 432
Joined: Sat May 28, 2005 8:14 pm
Location: Northern Almeria

Re: Home Insurance Question.

Postby gretch » Sun Apr 07, 2019 7:19 pm

We had rejas all round, until an extension we had built, I asked the insurance company about it and was told no problem, just €10 more P/A


Return to “Living in Andalucia”

Who is online

Users browsing this forum: No registered users and 18 guests