EUROPE

The mud treatments are popular and you smash up some wet slate stone to create your own mudpack, before letting it dry off.

Dear Jennifer:

Safe as houses

At least ask the write questions to make sure you are covered

I REGULARLY extoll the virtues of Liberty’s fully comprehensive house policy. When asking the right questions, you will discover that many house insurance policies are inadequate.

Is your building size correct? Are your outside areas correctly covered – especially including pools and terraces? Do you have enough contents cover?

What Liberty Seguros offers today is the best. A specially designed policy for the Expats, with policy documents in English. The other very important issue when discussing house insurance is the amount of contents cover, always remembering that with Spanish Home insurance the kitchen is included in the contents, not the buildings.

There are optional extras that can be added to your policy, so that it is tailor made for your requirements, which include garden protection, Home Improved, which allows you to increase the aesthetic restoration and additional cover for valuable objects and jewellery (conditions apply) spoilt by the numerous sites from the famous Trafalgar lighthouse –off which the key naval battle once took place - to the historic fishing village of Sancti Petri, near Chiclana. Then there are the excellent Roman ruins at Bolonia and hidden gems, like Zahora and exclusive Roche, where Madrid’s captains of industry take their holidays.

A further extra you can add to your policy is accidental damage, which is unique to Liberty Seguros and covers many breakages and claims within the home.

Therefore can I please ask you all to double check the coverage of your home policies, whether you are with Jennifer Cunningham Insurance and Liberty, or another company, to understand the cover you actually have.

Finding out you have the incorrect and insufficient coverage when you want to make a claim is far too late.

If you rent out your property, there is further Landlord Protection which provides cover for acts of vandalism by the tenant and also unpaid rent covers up to 6 months once a final judgement has been made legally.

My favourite spots though include the secret beach, a half an hour walk from Bolonia, where you will find just cows, the celebrated brown retinto cows of the region.

I also love the amazing walk through umbrella pines to the Torre del Tajo, high above Barbate, which finally gives out one of the best views in Christendom.

And then there is the ancient dovecote at El Palomar de la Brena, plus the historic inland gem of Medina Sidonia. But best of all it is the restaurants and food that make this region so very special.

There is literally everything here from the historic converted townhouses, like Califa, to the evocative dining terraces at Patria and Castilleria. And above all there are the ingredients… the amazing tuna, local vegetables and the amazing beef from the aforementioned cows. And then up the road you have Jerez, its history and its sherries, not to mention the incredible historic gem of Cadiz and its nearby towns of Sanlucar and Puerto de Santa Maria and the true lungs of Andalucia, the celebrated Donana National Park. Oh the incredible lightness of being!