4 minute read
Liberty Seguros resolves some 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 million.
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 softfur nishings for every room, clothes and personal belongings.
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.
For more information, simply call 913 422 549 or visit: quote.libertyexpatriates.es/en and ask for a quote.
Letters
LAST week we discussed the latest figures surrounding the issue of 2.8 million television viewers who believe that they should not be required to pay the £159 annual charge for a TV licence as they no longer watch BBC channels or any kind of live television.
The rise of streaming services such as Netflix, Disney Plus and Paramount Plus have been giving traditional channels like BBC and ITV a run for their money over the past few years, with the above figure showing an increase of more than 360,000 people in the previous 12 months.
There’s been a significant uplift in the amount of people who watch live television through social media channels such as
Comments
Pay per view would sort out this antiquated policy, and then the BBC will see the exact figures willing to tune in to the channel.
YouTube. According to TV Licensing.co.uk, even if you’re watching live TV through YouTube indirectly, you are still required to have TV licence coverage to be compliant with the law.
Toby Young, the Founder and Director of the Free Speech Union told the Daily Mail: “These figures show that the TV licence fee is not a viable funding model for the BBC going forward.”
He added: “The obvious alternative is to become a subscriptionbased service like Netflix and Amazon Prime.”
Perhaps, times are changing and preferences are evolving. Will streaming services eventually render traditional live television as irrelevant and outdated?
M
I object to the BBC using the licence fee as their own bank account paying obscene wages such as £1.3 million to Gary Linaker for hosting a programme for one hour a week, and paying one of their news readers £350,000 for three days work and a total of 12 hours on radio which I never listen to.
William Hughes
Where have you seen these shows already? The licence is free for over 75s in receipt of Pension Credit. You’re on £52k a year so probably too rich to get pensions credit though.
Jase
The BBC has now become a game show channel and a repeat channel with nothing too exciting in the middle.
Les
The BBC send letters to intimidate people who don’t own a licence.
Anonymous
The BBC is a self serving and obsolete service. Yes, they have a few series that are good, but with over three billion from stealth enforcement of li cence paying they should have! Why it still exists is beyond me and paying 44p is far to much for a generally mediocre service, that unless you want to be hounded by Television Licensing as if you were a criminal, you will pay under duress!
Rob
Why do we have to pay the BBC to watch all the other channels who pay their own way. Shocking.
John
Do away with the TV licence. We live in the 21st century, not the 20th century when BBC was created.
Stephen
Nield
It’s disgraceful that the BBC charge pensioners £159 for a TV licence. Shame on you.
John
Repeats and more of them. Then there are the quiz / game shows giving obscene amounts in prize money, that and the astronomical salaries paid to some of their presenters. My husband is over 80, I am in my 70s, the only reason we watch BBC is no adverts, we are not into streaming, so watch more DVDs than TV these days, but still we have to pay the licence fee. We have just over the limit in pension between us not to be able to get pension credits.
Jacqueline Drew
