Liberty Quality Home - house and contents insurance
Article A. BASIC COVER: MATERIAL DAMAGE OR LOSSES SUSTAINED BY THE BUILDING AND / OR CONTENTS
Pursuant to the cover conditions of the policy and the limit on the insured sum stipulated in the schedule, material damage and / or direct material losses sustained by the building or contents due to the following causes are guaranteed:
A.15. Family legal defence / claim for damages
For the purposes of this cover, the following definitions shall apply:
SUM INSURED
The payments to be made by the insurer by virtue of this cover are subject to the following maximum sums per claim or event:
- Costs entailed in a legal defence or claim for damages: euros 6,050
- Deposit of legal bank bail bonds: euros 6,050
TERRITORIAL SCOPE OF THE COVER
Insured events that occur in Spanish territory that fall under the jurisdiction of Spanish Courts and Tribunals are guaranteed.
Andorra shall be considered the same as Spain for the purposes of the covers taken out.
COVER:
1. Covered risk
The insurer undertakes to assume the legal defence of the insured, his / her spouse, whether legal or in fact, and any of his / her ascendants or descendants to the first degree that live with him / her in the insured home, exclusively with regard to the events listed below and occurring in the sphere of the insured's private life.
The cover shall have the same effect should the insured parties temporarily reside away from the residence designated in the policy for reasons of health or studies.
2. Damage claims
This cover comprises the defence of the insured's interests regarding claims for damage arising from the extra-contractual liability of a third party for damages and losses that the insured has suffered in person or that have been caused to the movable assets of his / her property due to recklessness or wilful misconduct.
This cover shall also include any claims for damage sustained by the insured as a pedestrian, as a passenger in any kind of land transport or when taking part, as an amateur, in any sport that does not involve motor vehicles.
3. Criminal defence
This cover comprises the criminal defence of the insured in proceedings brought against him / her due to recklessness, lack of skill or negligence that are not covered by this policy's liability cover.
This cover extends to the criminal defence of the insured as a pedestrian, passenger in any means of land transport or while carrying out any sport not involving motor vehicles as an amateur.
4. RIGHTS RELATED TO THE HOME
This cover comprises the protection of the insured's interests with regard to the insured home designated in the schedule of this policy.
4.1 As an owner or usufructuary with regard to:
- Damage, not arising from contractual relations, caused by third parties to the home.
- Claims against neighbours for breach of the legal regulations with regard to the emission of smoke or gasses
- Damage, not arising from contractual relations, caused by third parties to the movable property in the insured home
- Claims for breaches by third parties of sales, deposit and similar agreements affecting the furniture and other household objects
- Defence of the insured's criminal liability in proceedings brought against him / her for recklessness, lack of skill or negligence, in relation to his / her residence in the insured home
- Claims for breaches of repair or maintenance agreements for services performed on the installations in the insured home when the full payment for said services corresponds to and has been paid by the insured
- Defence of claims lodged by household employees registered for Social Security
4.2 As an owner or usufructuary with regard to:
- Disputes with neighbours over matters of rights of way, lights, views, distances, boundaries, party walls or plantations
- Defence of the insured's criminal liability in proceedings brought against him / her for recklessness, lack of skill or negligence as a member of the board of co-owners of the building where the insured home is located
- The defence of and any claims regarding the insured's interests before the homeowner association, providing he / she is up to date with the payment of the legally agreed fees.
4.3 As tenant with regard to
- Disputes arising from the lease agreement.
5. Extra-judicial assistance
Through this cover, the insured can request advice from the insurer, personally or by telephone, providing an unforeseen modification of the insured's legal situation has occurred to justify his / her consultation as a question prior to the initiation of any guaranteed legal proceeding.
Consultations that can be resolved verbally and immediately shall be covered, but none that, due to the inherent nature thereof, require further action.
For the sole purpose of this cover, the insured may call the telephone number given in the general conditions / schedule of the policy or to the Legal Defence Card, providing the following information:
- Name, address and contact telephone number
- Number of this policy
- Type of assistance required