Spain:900 102 527

Portugal:800 860 705

Gibraltar:200 44628

UK:0845 652 4239

Other Numbers

From the UK: 0845 652 4239 (local rate)

From Ireland: 01 246 7677 (local rate)

All other countries: +34 956 695 752 (international rate)

Email: ibexdirect@ibexinsure.com

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Other Numbers

From the UK: 0845 652 4239 (local rate)

From Ireland: 01 246 7677 (local rate)

All other countries: +34 956 695 752 (international rate)

Email: ibexdirect@ibexinsure.com

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Community Insurance Benefits

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Whether you are a property owner or the president or administrator of a community of properties, our Communities Insurance will give you peace of mind and will meet with the agreement of all the community residents.

In Spain by law, each community must have a minimum amount of insurance in place which includes buildings cover, public liability insurance and insurance against water damage. In addition, there are additional covers available to top up the policy such as legal defence and private water damage.

Without this insurance, the community and ultimately you as owner could see increased community fees.

Our Community Insurance offers a wide range of options and unbeatable cover, including:

  • Damage caused by fire, explosion, flooding, smoke and atmospheric phenomena.

  • Damage to moveable property that is for common use or in the garden, shared aerials and satellite dishes, swimming pools, exterior walls and fences.

  • Breakage of windows and glass.

  • Damage to electrical installations and appliances.

  • Water damage to community and private property.

  • Damage caused by vandalism.

  • Damage caused by burglary including to the entrance doors of residents' homes.

  • Cosmetic damage: cosmetic restoration of the room damaged by the loss when materials which are identical to the damaged ones cannot be found.

  • Cover for accidents suffered by Community employees.

  • Public Liability (max. limit €600,000)

  • Public Liability for community and private water damage (max. limit €100,000)

  • Legal defence and claims for damages.

  • Claims against co-owners for non-payment.

  • Claims for breach of service contracts.

  • Defence in local government matters.

  • Legal defence by phone.

Community Cover Options Community Cover Options (5002 KB)