Your pet is yet another member of your family and that's why your SegurCaixa Adeslas home insurance offers you coverage.

What types of pet coverage does home insurance include?

We are well aware that your pet is yet another member of your family and that you care about giving it the very best possible care, which is why your SegurCaixa Adeslas home insurance policy offers you coverage that includes your pet.

• Family third-party liability guarantee

  Home insurance covers damage caused to a third party by you or the people who live with you.

• Damage to third parties

  This includes any material damage or personal injury that your pet may cause to third parties.

• Protects your pets

  It covers pets that live in the home and have all the necessary documentation and sanitary controls up to date.

   

Take advantage of more services with our pet insurance

Get more services for your pet, such as veterinary consultations, telephone and online veterinary assistance and emergency care, to mention but a few types of coverage.

View pet insurance

What does the Animal Welfare Act state about pet insurance?

The entry into force of the Animal Welfare Act on 29 September 2023 means, among other things, that dog owners must have a third-party liability insurance policy that covers any damage their pet may cause to third parties.

View home insurance policies

We explain the important points to take out a home insurance policy or to resolve doubts regarding said insurance policy.

Know the concepts of your home insurance

• What is the difference between building and contents insurance?

  Buildings are those items that define and form part of the empty home and its outbuildings (foundations, floors, inside and outside walls, ceilings, roofs, bathrooms, doors, windows, blinds, awnings, electrical installations, water installations. etc.).

   

  The contents refer to the furniture and the remaining objects insured under the policy.

   

  Easy-to-follow rule: imagine that you place your home in the palm of your hand and you turn it upside down - everything that does not fall out is contents.

   

  Based on what you have in your home, you must insure one thing or another. For example, if your home is being rented out and none of the furniture is owned by you, you can save on contents insurance.

   

• What is aesthetic damage?

  Aesthetic damage is that which affects the original aesthetic characteristics of a home and is caused indirectly, either by a claim or as a result of repairs thereto.

   

  Home insurance policies include an option to take out protection to cover these flaws to fixed installations in the event of claims; hence, if, for example, it is necessary to break the bathroom and the same tiles no longer exist, all the tiles can be changed, limited to the same room and up to the amount stipulated in the protection.

   

• ¿What is underinsurance?

  We talk about underinsurance when something is insured for an amount below its real value.

   

  In the cases in which underinsurance occurs, when dealing with a claim, it will be compensated by applying a proportional rule. This rule will have the following formula:

   

  Indemnity = Insured capital x amount of the damage / value of the insured items.

   

  The opposite case can also occur, that is, when we insure something above its real value, what is known as overinsurance. In those cases, the insurer will pay compensation at the real value of the insured item and not for the insured amount, since it would generate an illegal enrichment on the part of the insured party.

   

  Now that you have these concepts clearer, you can see everything offered by our home insurance policies here. 

SegurCaixa Adeslas is the leading health insurance company in Spain, with a market share of 32.4% and a portfolio of over 6.5 million insured parties. Furthermore, the insurer offers a free choice of doctors, allowing you to attend your preferred specialist without restrictions and with quick access thanks to one of the most extensive medical networks with the most healthcare points throughout Spain.

What does free choice mean at Adeslas?

A free choice of doctor allows you to directly choose which professional or centre to attend on the Healthcare Provider List.

The Healthcare Provider List is a list of professionals and healthcare centres available within your private medical insurance policy. 
This means:

• It does not depend on referrals
• Direct access to specialists
• Decide upon your own medical care

Why is a free choice of doctor crucial for you?

Free choice is one of the most valued factors upon choosing a health insurance policy. With Adeslas you will have:

• Autonomy to decide which doctor to visit
• Security in the choice of specialist
• Easy access to healthcare, always close to you

Rapid access to specialists. The scope of the Healthcare Provide List allows you to find an appointment earlier. 
Medical network nearby. More care points mean fewer trips to the doctor, greater comfort and more immediate access.

It is that easy to use your Adeslas insurance policy with free choice

With Adeslas, the process is direct:

1. You choose a specialist
2. You request an appointment
3. You receive attention

Without unnecessary barriers. Without complications. Fewer steps mean an improved experience and smoother access to healthcare.

Why choose Adeslas?

Adeslas combines what is most valued by customers and the three elements that reinforce free choice:

• Free choice of doctor and direct access model
• Extensive nearby medical network, with high healthcare capacity
• Quicker attention
• Simple easy experience you can trust

This combination allows you to offer faster attention without barriers. Everything thought out so that accessing care is easy.

What does it mean to have a healthcare network with great capillarity?

Capillarity means that there are medical centres throughout the whole of Spain, converting an extensive network into real access close to you. It allows you to:

• Find healthcare nearby
• Quicker access
• Avoid unnecessary trips

An event is a fundamental aspect of insurance, as it establishes when and how your insurance company is obliged to deal with an adverse situation.

This article covers everything you need to know about events; from what they are, the different types, not to mention the steps you should take if one occurs.

Understanding what an event is can help you manage your insurance more effectively and know exactly when to trigger the coverage you’ve taken out; whether it’s health, vehicle, or any other type of insurance.

Event: definition and meaning in terms of insurance

An insurance event is when a specific risk covered by the policy occurs, triggering the insurer’s obligation to compensate the insured party in accordance with the terms that have been agreed to in the insurance contract.

To be able to file a claim, the event must meet several key criteria:

• Firstly, it must be a fortuitous and unforeseen event that is explicitly covered by the guarantees set out in the policy. 
• What’s more, it must occur while the insurance contract is in force and affect the insurable interest.

The event triggers the insurance protection mechanism, obliging the insurer to assess the damage and, if applicable, pay out the corresponding compensation. Depending on the specific terms of each policy, this compensation may come in the form of a repair, replacement or a financial payout.

Types of events

Events can be classified into a number of different criteria, helping to clarify the nature thereof and the implications for the insured party and the insurer alike.

Events depending on the type of insurance

Each insurance policy covers specific events depending on the risks it covers:

• Car insurance: traffic accidents, collisions, running someone over, vehicle theft, fire, weather-related damage, or vandalism, to name but a few types of car events.
• Home insurance: fires, floods, theft, water damage, explosions, electrical damage or glass breakage. 
• Health insurance: illnesses, diagnoses, pregnancy and childbirth, accidents requiring medical attention, surgeries or hospitalisations. 

Events depending on the extent of the damage

Events are classified based on the extent of the damage caused:

1. Total loss: occurs when the damage is so extensive that repairing the insured property is either impossible or not financially viable. In these cases, the insurer usually pays out the full value of the insured property. 
2. Partial loss: when the extent of the damage means repairing the insured property is financially viable. Compensation only covers the essential repair costs.
3. Constructive loss: an intermediate situation in which, although repairs are technically feasible, the cost exceeds a set percentage of the insured property’s value.

What should you do if an event occurs?

1. Ensure safety

   First of all, make sure nobody is in danger. For example, in a traffic accident, secure the area by marking it off; in the event of a fire, evacuate the area immediately and call the fire brigade.

2. Report the incident

   Get in touch with SegurCaixa Adeslas as soon as possible, preferably within the first 24 hours. You can do this by calling customer service, on the mobile app, or via the online customer area.

3. Document the damage

   Take photos of the damage from different angles, gather together invoices and associated documents, and keep any evidence that could be relevant when it comes to assessing the event.

4. Do not carry out unauthorised repairs

   Avoid having things repaired without getting consent from the insurer beforehand, unless they’re urgent measures to prevent further damage. The best thing is to get in touch with us so we can inform you.

5. Cooperate with the investigation

   Provide all the information and documentation the company requests with a view to properly assessing the event.

6. Keep documentation

   Keep all accident-related documents, including the incident report and the repair estimate invoice.

7. Follow the expert’s indications

   If an expert is sent out to assess the damage, cooperate by granting access and providing all the information required.

8. What Is An Insurance Loss Adjuster?

What Is An Insurance Loss Adjuster?

Effective event management is of utmost importance when it comes to being awarded fair compensation as quickly as possible. Therefore, it’s important you understand what is covered in your policy and follow the procedures established by your insurer, in this case SegurCaixa Adeslas.

When we have a loss or accident at home or with the car, a report by the insurance loss adjuster is essential: assesses the damage, produces the loss adjuster report and facilitates the compensation process, ensuring that you receive the right amount of compensation according to your policy, both for home insurance and car insurance. 

What is a loss adjuster’s report and what is it for?

The loss adjuster’s report is a document produced by the loss adjuster after analysing the loss or accident. It is an objective and technical assessment used in the process of resolving the loss/accident or in a judicial process, if that is necessary. Its main use is:

• To determine the loss and to quantify this financially
• To support the decision of the insurer as regards the compensation
• To act as an assessment in the event of a legal dispute

What does an insurance loss adjuster do?

A loss adjuster is a qualified professional who is responsible for assessing the damage of a loss or accident, mediating between the client and insurance company with neutrality. 

Their aim is to determine the fairest compensation for all parties and they can work in different fields. There are loss adjusters specialising in various areas:

• Vehicle loss adjuster: expert in vehicle damage
• Industrial loss adjuster: for business losses
• Performing a technical and objective analysis of the damage.
• Drawing up a loss adjuster’s report with technical conclusions.
• Providing loss adjuster’s assessments that help the parties involved or the judge to make a decision.

When does a loss adjuster intervene in a loss or accident?

The loss adjuster acts in various scenarios, the most common of which are the following:

In home insurance

• Fires or explosions
• Water damage, e.g., from broken pipes or floods
• Theft and robberies
• Damage due to weather events

In car insurance

• Traffic accidents
• Damage due to vandalism
• Loss as a result of natural phenomena
• Vehicle thefts

What does the loss adjuster do after a loss or accident?

Professional assessment of the damage

The loss adjuster visits the site of the loss or accident to personally examine the damage. Their experience enables them to identify all the imperfections, including those that could go unnoticed.

What does the loss adjuster do after a loss or accident?

Professional assessment of the damage

The loss adjuster visits the site of the loss or accident to personally examine the damage. Their experience enables them to identify all the imperfections, including those that could go unnoticed.

Accurate financial appraisal

They objectively calculate the cost to repair or replace on the basis of up-to-date market prices and their specialised technical knowledge.

Detailed loss adjuster’s report

They draw up a detailed document, the adjuster’s report, which includes:

• Detailed description of the damage
• Photographs of the loss or accident
• Justified financial appraisal
• Recommendations for repair

Speedy management of the process

Their intervention speeds up the compensation process as they provide the insurer with all the information needed to make a quick, well-reasoned decision.

When taking out an insurance policy, it’s of utmost importance you understand what coverages are included and how they work. This is a key part of any policy as it sets out exactly what risks, damages, or situations will be protected should an event occur. Having in-depth knowledge of your insurance coverages lets you choose the most suitable policy to cover your specific needs.

What’s covered by the main insurance policies?

Each insurance policy comes with specific coverages to protect different aspects of your life and wealth. Below is a rundown of the main coverages included in the most common insurance policies.

Health insurance

Health insurance helps pay for the insured person’s medical and health expenses. Coverage will vary from one type of insurance to the next, as there is no one-size-fits all product. The most sought-after coverages include:

• Medical consultations with specialists
• Diagnostic tests and clinical analysis 
• Surgeries and hospitalisation 
• Physiotherapy and rehabilitation 
• 24-hour medical emergencies 
• Reimbursement of pharmacy expenses
• Health care abroad
• Second medical opinion

Home insurance

Home insurance protects your home and belongings from a number of potential risks. It mainly covers:

• Damage caused by fires, explosions, lightning 
• Water damage (burst pipes, flooding) 
• Theft and robbery of household contents 
• Family civil liability insurance 
• Electrical damage to household appliances 
• Weather (hail, wind, snow)

Car insurance

Car insurance protects the vehicle itself as well as its occupants and third parties. Coverage depends on the product taken out, with the most common including:

• Compulsory civil liability insurance 
• Damage to the vehicle itself 
• Car theft and fire 
• Windows and glass 
• Roadside assistance 
• Legal defence 
• Courtesy car

Death insurance

Death insurance covers the costs associated with the death of the insured party. It mainly covers:

• Burial and funeral expenses 
• Funeral planner
• Legal assistance
• Psychological support
• National and international repatriation of the deceased’s remains 
• Drawing up of the will

Pet insurance

Pet insurance covers the obligatory civil liability for damages in accordance with the Animal Welfare Law, whereas comprehensive pet insurance covers your pet’s health. The most common coverages include:

• Civil liability for damages caused by your pet 
• Vet care
• Death due to accident or illness 
• Rabies vaccination
• Pet theft
• 24-hour veterinary emergencies

Travel insurance

Travel insurance protects you when travelling outside your usual place of residence. Coverage depends on the type chosen, but it most often covers:

• Medical expenses abroad 
• Medical repatriation 
• Trip cancellation 
• Luggage loss or delay 
• Civil liability while travelling 
• Expenses incurred due to an extended stay 
• Legal assistance abroad
  

What coverages should be taken out?

When taking out insurance, it’s important to bear in mind that, the more coverages included, the greater protection you’ll have. All insurance policies come with basic or set coverages, although additional coverages can be added for greater protection depending on your specific needs.

• Basic coverages are those deemed essential for each type of insurance policy. For example, civil liability is legally required in car insurance, whereas home insurance typically provides coverage in the event of a fire.
• However, additional coverages are optional and let you personalise your policy. Although these additional coverages offer more comprehensive protection, the insurance premium is higher. Examples include comprehensive coverage in car insurance and valuables coverage in home insurance.

When it comes to deciding which additional coverages to add, we recommend looking at your own personal circumstances, the value of the property you wish to insure, as well as your financial situation. Having the right coverage should an event occur will allow you to deal with the damages without leading to considerable financial loss.

Remember you can always discuss this with a SegurCaixa Adeslas insurance agent to help you choose the coverages best suited to your profile and specific circumstances.

When taking out an insurance policy, understanding the effective date is key: it indicates the exact moment your coverage begins and from when you'll be protected. In this guide, we explain everything about the insurance effective date so you can manage your policy without surprises.

Difference between effective date and expiry date

Although both are a key part of any insurance contract, they are completely opposite moments in the life of a policy:

• Effective date: The moment from which the insurance coverage begins. As mentioned above, from this date onwards, the insurer is liable for the risks covered in the policy for coverages without a waiting period.
• Expiry date: This is the end of the contracted coverage period. Until this expiry date, the insurance remains active, after which it will be automatically renewed unless one of the parties objects by giving at least one month’s advance notice if the policyholder notifies or two months in advance if it’s the insurer who notifies. It’s important to highlight that, as of the effective date, the insured is entitled to the contracted coverage without a waiting period, but after the expiry date, the protection ceases completely unless it has been renewed.

Definition of the effective date

The effective date is the exact moment when your insurance policy comes into force and the contracted coverage begins. From this date onwards, the insurer assumes responsibility for covering the risks specified in the contract, provided that the conditions set out in it are met.

It is important to distinguish between the policy coming into effect and being issued. While the issue date is when the contractual document is physically drawn up, the effective date of the insurance is the date on which you start being covered.

In the standard contracting process, the two dates typically align; however, they may differ in certain cases due to factors such as delayed effectiveness or specific contractual terms.

The effective date may be set immediately after the contract is signed or scheduled for a specific future date. In health insurance, for example, policyholders are often required to fill in a health questionnaire, and the effective date will be delayed until that questionnaire has been assessed. Not to be confused with the waiting period, which applies to some contracted services. 

Why is it important to know the effective date?

Knowing the exact effective date of your insurance has important implications for your coverage, not to mention your peace of mind:

• Guaranteed coverage: You can only claim compensation for events that occur after the effective date. Any previous events will not be covered, regardless of when the contract was signed.
• Payment management: The effective date usually marks the start of the billing period, in other words, when the insurer will charge you for the policy. Therefore, it’s of utmost importance that you bear this in mind in order to avoid non-payments that could lead to policy bei
• Avoid gaps in coverage: These ‘gaps’ can occur if you change insurers, so knowing the effective date helps you avoid periods during which you aren’t covered.
• Legal compliance: In compulsory insurance such as car insurance, the effective date must be immediate in with a view to complying with current legislation.

What must you do in each case?

Follow these tips to protect your home and know how to act in the event of an accident

• In the event of rain

  • Check the drains of the terraces, the water deposits and the gutters to ensure that they do not become blocked.

  • In low areas that may become flooded, move as many objects as possible to the highest shelves of the bookcases, espeically those objects of value that may be damaged by the entry of water.

  • If the home is flooded, it is fundamental to abandon cellars and ground floors and to disconnect electricity, using torches for lighting.

  • Have a kit of basic objects at hand: torches, batteries, gloves and towels.

• In the event of wind

  • Close the awning, lower the blinds and gather up all objects and belongings that may be dragged along or damaged by the wind.

  • Avoid opening windows to prevent air currents that may cause doors to slam or objects to fall.

  • Removal from balconies and windows of everything that can fall into the street.

  • If you have cupboards or similar on your balcony, terrace or garden, it is important that you reinforce their closure.

  • Also gather together and secure with rope chairs, tables and decorative items to prevent them from moving and causing damage.

  • Try not to leave home due to the risk of detachment and, if you are outside, seek refuge.

  • Avoid standing below trees or structures that may be knocked down by the wind.

• In the event of snow

  • Have torches and batteries, candles or other autonomous lighting systems prepared if there is a power cut.

  • Always keep external gutters and drainpipes clean, together with smoke evacuation pipes (chimneys).

  • Do not let snow accumulate on roofs and windows.

  • Avoid standing below trees or structures that may fall down due to the weight of the snow.

• In the event of a storm

  • Unplug electrical appliances, computers and all non-essential electrical appliances to avoid them being damaged by a rise in voltage or to cause electrical shocks.

  • Have torches and batteries, candles or other autonomous lighting systems prepared if there is a power cut.

  • Check that there are no cracks on roofs, windows and walls to avoid damage due to leaks.

  • During the storm, you must avoid having a bath or shower, since water is a good conductor in the event of an electrical storm.

  • Avoid standing below trees or structures that may be knocked down by lightning or by wind.

• In the event of extreme cold and extreme heat

  • In the event of extreme cold

    • Despite the cold, do not forget to air out your home, albeit five minutes, to avoid condensation.

    • Try to maintain the temperature of the heating constant to avoid one-off cold peaks.

    • Avoid dripping taps, check that they do not drip and mend them if they do.

    • Turn off the water at your home when it is not necessary to prevent the pipes from freezing since they may burst.

  • In the event of extreme heat

    • It is advisable to keep the blinds half down and the windows shut during the hot hours of the day. To keep the house cool without air conditioning. It creates a shady environment in the home.

    • At night keep opposite windows open to create a current.

    • Do not attract humidity. Air humidity gives a greater sensation of heat. It is better not to wash and hang up clothes inside the house nor boil or cook food.

    • Minimise the use of lights and electrical appliances (oven, dishwasher, washing machine, dryer). It is better if you use them at times with a lower atmospheric temperature and when you do not have to stay in the kitchen.

What to do in the event of a claim?

1. Urgent cases 

   900 50 50 40 / 91 489 43 17

2. Declare a claim online 

   Declare a claim Don't know how to give a claim? Guide to file a claim

Remember that home insurance does not cover damage to trees, plants, or other garden elements, nor the entry of water, snow, sand, or dust through doors, windows, or other openings that have been left open or improperly closed.

Know more

Information on claims covered by an insurance consortium

• Why does the consortium intervene?

  There are a series of risks known as Extraordinary Risks, which are not covered by the insurance companies’ policies. These risks are assumed by the Insurance Compensation Consortium. Hence, a part of the premium of all Multi-risk insurance policies that we pay, be it from the insurance company at which they are arranged, is earmarked to the Consortium.

  The consortium acts as if it was a private insurer providing coverage to these extraordinary risks. Since they are catastrophic events with serious economic effects, it is a way of ensuring the solvency and reducing the possibility of a technical bankruptcy of the insurers should this type of event occur.

  Flooding due to the overflowing of a river is an Extraordinary Risk, as are earthquakes, among others.

• How to confirm what a consortiable claim is?

  In floods, confirmation passes by analysing the water entry route in the insured risk. To confirm whether a claim is consortiable or not during the declaration thereof is very important in this type of claim, since we can help a lot to expedite its management.

• What are the consortiable entry routes?

  Entry of water from the public highway towards the insured risk due to a flood-flush from the street or drain, due to the openings of the façade itself (entrance and garage doors, garage ramps, etc.).
  It is also the entry of water through bathrooms, due to return from the public drains network, since it has collapsed

• What are the non-consortiable entry routes?

  Damage caused by rainwater collected from the insured risk itself, that is, without a contribution from the outside of the plot or from the public road, are not consortiable.

  Examples:

  • Leakages through walls or roofs.

  • Floods from patios or roof terraces.

  • Rain falling on access ramps to garages, garden floods or water collected from the plot of the very risk insured, all without there having been a significant contribution of water from the public road, for example, from the input of a flood, torrent or similar.

  • Return by bathrooms due to the insufficiency of the private evacuation network of the home, without a general collapse of the public drains (it can be distinguished because there are more neighbours affected when the problem is public).
     

• A claim can only be consortiable or non-consortiable?

  No. It can also be mixed. It can have a part of consortiable damage and another part of non-consortiable damage.

  Therefore, we can find ourselves with three types of claims:

  • Consortiable: All damage is consortiable.

  • Non-consortiable: All damage is non-consortiable.

  • MIXED: Part of the damage is consortiable and another part is non-consortiable.

Small gestures in the day-to-day life of your home can increase the safety of your loved ones and your belongings.

Steps to protect your home

We offer you some tips to be able to enjoy your home with better peace of mind

• Correctly close doors and windows.

   

  It may seem obvious, but do not forget to do so when the house is empty on a daily basis or during prolonged absences. Rain, snow and hail can enter through gaps and windows, which can cause water damage or generate air currents that cause doors to slam shut, breaking glass, or items to fall.

   

  Furthermore, there may be a risk of robbery, especially in homes with a low height. In this type of windows, of easy access, it is advisable to install bars that will add protection.

• Fold away awnings and remove outside furniture.

   

  In the event of absences, it is advisable to fold away awnings and attach garden or terrace furniture, since we do not know if, at a given moment, a storm may begin or gusts of wind will occur that cause damage to your home or to other people.

• Take care of electrical facilities.

   

  Review the electrical installation frequently and check that the plugs are in a good state, that they do not move or have bare cables or cables in a bad state that may cause a short circuit or even combustion.

   

  Supervise that the plugged-in devices have sufficient ventilation so that they do not overheat (for example, remove the sofa a couple of centimetres from the wall if you have a plug just behind it).

   

  Avoid linking together multi-socket adapters or extension leads. They are items that overheat and they may cause short circuits.

   

  Lastly, trust the professionals to make repairs to the installation. 

• Avoid dripping.

   

  A small amount of water can cause great damage, hence it is recommendable to check taps, stopcocks, radiators, connecting tubes and toilets in the event of small leakages which, in the long term, may become a major breakdown and cause multiple damage.

• Ventilate your home.

   

  A correct ventilation of the home, especially in periods of cold weather, is highly important to avoid damage due to condensation as a result of temperature differences or, even to avoid overheating or a defective combustion of boilers, which produce expensive or difficult breakages or a bad quality of air within the home.

Maintenance coverage

SegurCaixa Adeslas Home Insurance policies, have additional guarantees that may be useful to always have your home in a tip-top condition. Furthermore, if you wish to make improvements or carry out specific work at your home, you can contact professionals whose visit will be covered by your policy (labour and materials are charged to the insured party).

Know the maintenance coverage