Resolving queries about home insurance

Q. IS Home Insurance obligatory in Spain?

A. No, it is not obligatory, but it is certainly highly recommended. Nowadays, very few properties are without home insurance. However, every customer’s needs are different. This is why Liberty Seguros has created additional coverages to allow customers to tailor­make their home policy, from the most basic cover to a wide range of additional guaranties and services to make sure that you only pay for what you really need.

Q. Does Liberty Seguros Home Policy include Public Liability cover for me and my family?

A. Yes, as long as the property contents are insured in the home policy. The policy Includes a standard cover that can be extended up to €1,000.

Q. Does Liberty Seguros Home Insurance cover Tenant Vandalism?

A. Yes, you can add an optional cover: ‘act of vandalism by tenants’ guarantee, with up to €3,000 cover, which will allow you to forget about any hassle and get a profitable rental income.

Q. Are my garden and its contents covered by my home insurance?

A. Yes, Liberty Home Insurance has a specific standard cover for garden and terrace furniture, that can be extended up to €12,000. Our policy also includes a garden reconstruction guaranty, including replanting of trees.

Q. What should I consider to calculate my home policy contents amount?

A. This will always depend on the size of the property, the property use, number of people living at the property, etc, but please make sure that you consider, at least, the following: Kitchen furniture and appliances, furniture and soft­furnishings for every room, clothes and personal belong ­ ings. Do not forget that jewellery and valuable objects are considered part of the contents cover, but you will need to consider the value of each item.

Q. What should I do in case of a home insurance claim?

A. Please make sure that you and any other person at home is safe and can move to a safe place. Then, take steps to minimise any damage and contact your Home Insurance Assistance Department to report the claim (Liberty’s 24/7 home assistance phone number is 900 556 000).

Make sure that you provide your insurance policy number and details of the claim; and inform about what, when and how it happened.

Please be aware that claims should usually be reported no later than seven days after the claim date.

THE property has three bedrooms and two bathrooms with plenty of outdoor space. It is set on a beautiful plot of 216m2, which has been meticulously decorated with flowers and plants, creating a peaceful and welcoming environment.

On entering we have a lovely terrace with glass doors from the living room, a parking area, followed by another garden area at the back of the house. Inside the house on the ground floor, you will find a spacious living room with access to the terrace, a fully equipped independent kitchen with access to the garden and laundry area, a storage area, a bathroom, and a double bedroom. On the first floor we have one complete bathroom and two bedrooms; one single and one double bedroom with a terrace.

There is another large south ­

In response LETTERS

I refer to Tony North’s letter. My apologies; it was an editing slip on my part.

I missed out the word WESTERN (Europe). None of the countries listed by Tony North is in Western Europe (apart from the UK).

I agree it is misleading, so thanks for bringing this to my attention. My apologies to you and all the other readers for this. However, you may have noticed that my name was misspelt it is Worboys, not Worboy.

David Worboys

In favour

Morning Leapy,

I have just read your latest piece and particularly like the bit about the idea of having separate areas in London for blacks and whites.

I personally think that is a great idea and would be all in favour of it being put into place, as it could be the way to solving a lot of problems.

I seem to remember that many years ago this did actually happen in a country somewhere, and as far as I know it worked perfectly well. Not sure if it still is in operation or not.

I think in that country it was the whites that put it in place, but I get from the sound of it its the blacks who are wanting to put it in place in London.

Anyway look forward to reading more next week.

Jacob

Passenger habits

I used to fly from Frankfurt to Malaga in the 70s.

Often there was a round of applause on touchdown.

I assumed that, rather than relief at survival, it was celebration of deliverance into the sunshine.

David Worboys

Traffic cops

You lose points from your driving licence in Spain as a penalty, you only gain them for experience and training (if you commit certain offences you can take a specific driving course and win some lost points back). A new driver starts with eight points, which, if they don’t commit any offences, goes up to 12 as you pass the three year mark. Then, if you continue without any infractions for three more years, you gain another two points = 15, which is the most you can hold.

Concha

Confusing signs

Yes, agreed for those junctions where there is a sign, a line, and the white wording on the road. But when turning left from a main road, often via a slip lane… yes a line in the road…

...yes a stop wording in the road, but no stop sign, on the (absent) post, arguably needed to authenticate the legal requirement.

So many of these particular turnings, cause confusion, rights of way inconsistencies and so many drivers just not stopping at all. So, come on... what IS the legal requirement ?

Beiderbeck

Chelsea move

Bravo Aaron, you are the first honest British writer who is telling the truth about our Moroccan star Ziyech, and I quote “his confidence has taken a beaten since joining Chelsea being shunned by several managers over the years.”

Too many British newspapers are blaming Ziyech. While it’s the favouritism that’s taking place in Chelsea and football generally. I would advise any Moroccan football star to stay away from English football.

Destroyed Boufal, Chamakh before and Ziyech now … what a trap.

Mourad Oumouh

Hot wind

Last night here in Sax, Alicante, we had a gale for about an hour. I managed to record a wind temperature of 38.6ºC. No damage here but it did do some damage nearer Alicante. I can’t remember feeling that hot a wind before.

Mike Curtis

Bull runs

I totally agree. I can’t sleep during these festivals as I’m so worried about the mistreatment of the bulls.

I wish to join a group to help stop these.

Catherine Kerr

The truth

Hi Lee

I’ve just read your piece headlined ‘British Media’ and was shocked to read it, because I’ve at last found someone who’s got the balls to spell out the truth with what’s going on in the UK.

I used to love England but we have been betrayed by politicians who have lied to us along with the MSM and have decided to come and live in Spain where we feel safer and just wished I had done it earlier because the country is quickly going downhill and anarchy is just round the corner.

Thank you for spreading the truth with what’s going on because there’s not many out there that are willing to do that and it’s really sad to see that the UK’s now fallen.

Regards ,

Andy Walsh