Application for indemnity

Following damage to persons and/or items as a result of any of the natural phenomena or those of a socio-political nature (see covered risks) which fall under the cover provided by the Consorcio, the application for indemnity by the insured, the policy holder or the beneficiary, or their respective legal representatives, must be presented within seven days in one of the following manners:

• Presentation in writing: addressed to the Regional Branch of the Consorcio, this can be done in person or through the insurance company with which the policy was contracted.

   

• Presentation by telephone: calling 902 222 665 (from Monday to Friday, between 09:00 and 18:00 hours).

PRESENTATION OF THE APPLICATION FOR INDEMNITY IN WRITING.

See Swift Guide for Indemnity Applications

The application for indemnity should be presented along with the damage communication form and should be sent by ordinary mail or e-mail (sending the documentation as a Pdf attachment) to the Regional Branch of the Consorcio that corresponds to the place where the damage occurred.

The application for indemnity may be presented directly by the interested party or it can be presented through the insurance company with which the policy was contracted or through the insurance broker or agent that was involved in the contracting of said policy.

The damage communication form will clearly show the bank details of the recipient of the indemnity, indicating the current account code (20 digit number), and the following documentation should be attached, depending on the type of damage:

Material damage:

• Photocopy of the D.N.I. / N.I.F. of the recipient of the indemnity.
• Photocopy of the Particular and General Conditions of the Policy (individual or collective) and of all appendices and supplements thereto.
• Photocopy of the premium payment receipt current at the time of loss, specifying clearly the amounts corresponding to the commercial insurance as well as the surcharge payable to the Consorcio de Compensación de Seguros.
• Should there be a Beneficiary Clause in a mortgage indemnity policy it will be necessary to provide authorisation from the beneficiary before the indemnity can be paid out to the insured.

Personal damages:

• Photocopy of the D.N.I. / N.I.F. of the injured party or the recipient of the indemnity should it not be the same injured party.
• Photocopy of the Particular and General Conditions of the Policy (individual or collective) and of all appendices and supplements thereto.
• Photocopy of the premium payment receipt current at the time of loss, specifying clearly the amounts corresponding to the commercial insurance as well as the surcharge payable to the Consorcio de Compensación de Seguros.
• Documentation accrediting the cause of loss and the injuries arising from same.

Death:

• Death certificate
• Photocopy of the D.N.I. / N.I.F. of the `possible recipient of the indemnity.
• Photocopy of the Particular and General Conditions of the Policy (individual or collective) and of all appendices and supplements thereto.
• Photocopy of the premium payment receipt current at the time of loss, specifying clearly the amounts corresponding to the commercial insurance as well as the surcharge payable to the Consorcio de Compensación de Seguros.
• Documentation acc5rediting the cause of the occurrence.
• ‘Family Book' or Testament if such is not available, declaration of heirs or notarised record in the event that the policy does not designate a beneficiary.
• Inheritance tax settlement receipt.

Note: In order to facilitate the justification of damages caused when the nature of the affected items or other circumstances require the rapid destruction of same, there should be an attempt to leave evidence of the situation (by means of photographs, notarised records, videos, official certificates,…) and the corresponding invoices for the affected items will be preserved should the destruction of said items not be delayed. The Insured should take whatever steps are necessary to reduce the amount of the loss. (In this respect see the section on Procedures in the Event of a Loss that is Indemnifiable by the Consorcio de Compensación de Seguros, in Addendum II.A of the Resolution dated 27 November 2006, at the Directorate-General of Insurance and Pension Funds).

PRESENTATION BY TELEPHONE OF THE APPLICATION FOR INDEMNITY (only in the case of material damages).

See Rapid Guide for Application for Indemnity

In the event of there being material damages, the insured, the policy holder or the beneficiary, or their respective legal representatives, can present their application for indemnity of damages following extraordinary risks by calling the following telephone: 902 222 665 (from 09:00 to 18:00 hours, Monday to Friday).

When making the telephone call it is essential that the details set out below are available so that they can be given during the telephone conversation:

• Details of the insurance policy: Insurance company and policy number.
• Details of the person making the application and of the insured, should these be different: name and surnames or registered name; NIF or CIF; address and contact telephone number(s).
• Bank details for the payment of the indemnity: current account code (20 digit number) consisting of the bank code, the branch code, a control number and the number of the account.
• In the case of damage to motor vehicles: make, model and registration number of the damaged vehicle. If the vehicle is in a workshop being repaired it is recommended that you also give the name, address, and telephone number of said workshop so that the damages can be evaluated.

Following the application for indemnity made by telephone, the following documentation must be presented:

• Photocopy of the D.N.I. / N.I.F. of the recipient of the indemnity.
• Photocopy of the General and the Particular Conditions of the policy (be it individual or collective), and of all addenda and supplements of same.
• Photocopy of the payment receipt for the policy showing that it was in force at the time of the loss, which must clearly specify the amounts corresponding to the commercial premium and the surcharge paid to the Consorcio de Compensación de Seguros.
• In the event that the policy contains a Creditor's Beneficiary Clause, then the application must be accompanied by written authorisation from said creditor to proceed with the payment of the indemnity to the insured.

This documentation will be handed to the loss adjuster designated to evaluate the damage, or to the Consorcio de Compensación itself, should we ask for it.

Note: In order to facilitate the justification of damages caused when the nature of the affected items or other circumstances require the rapid destruction of same, there should be an attempt to leave evidence of the situation (by means of photographs, notarised records, videos, official certificates,…) and the corresponding invoices for the affected items will be preserved should the destruction of said items not be delayed. The Insured should take whatever steps are necessary to reduce the amount of the loss. (In this respect see the section on Procedures in the Event of a Loss that is Indemnifiable by the Consorcio de Compensación de Seguros, in Addendum II.A of the Resolution dated 27 November 2006, at the Directorate-General of Insurance and Pension Funds).