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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Holiday Home FAQ's

What does Contents insurance cover?

Almost everything that you own and would take with you if you moved house. This will include furniture, kitchen equipment, food and drink, electrical appliances including televisions, computers, entertainment equipment, clothes, ornaments and valuables.

As with all policies there are some exceptions and exclusions so we recommend that you take time to read the policy booklet to discover those that apply. If you are in any doubt, please contact us. 

What if my Mortgage Lender asks for a copy of the policy?

No problem, we will be happy to send a copy to you to pass on. If you have bought your home through a Spanish lender you will be happy to know that all our policy schedules are in both English and Spanish and comply with what they want. 

Are there any important Exclusions or Conditions that I should be particularly aware of?

All insurance policies have exclusions and conditions. Ibex Home Policy has however been modelled on the type of policy you can expect to obtain in the UK market but also incorporates extensions of cover that are familiar to Spain and Portugal such as damage caused to electrical goods caused by a surge of the electricity supplier for example. Our policy has also been written in plain English thereby eliminating any discomfort of not understanding a policy written in the Spanish language. There are nevertheless one or two important points that you should be aware of.

Firstly the application of the Consorcio cover when natural disasters occur. In Spain, all policies contracted include a contribution to a national natural disasters fund - the Consorcio. When a natural disaster occurs, such as wide spread flooding, it is this fund which deals with any claims.

Please click here to see an overview of the Insurance Compensation Consortium (Consorcio de Compensacion de Seguros).

In the case of Holiday Homes, valuables are not covered so remember to have these included under your primary home policy, or a travel policy, before coming to Spain or Portugal.

When your property is left unoccupied for any length of time you must lock all doors and windows and activate the alarm system if you have one.

And when your home is left unoccupied for more than 14 consecutive days then the water must be drained and switched off and if friends or family visit the property or you rent the property you must remember to tell them.

How can I make my home secure?

You may be busy tanning on the sun-drenched beach or by the communal pool, or have just nipped out to the local shops or for a coffee, but if you're not careful you could be setting yourself up for a very unpleasant homecoming. A burglar can be in and out of your home in two minutes.

The feeling that someone else has been in your home can live with you for a long time. The key to real peace of mind is prevention in the form of security.

Depending on the total and individual value of your contents we may have recommended minimum security requirements for your property but your circumstances can quickly change and it is important that you keep us informed of such changes. For example, you may have had a minimal amount of valuables at the start of your insurance and we may not have insisted on the installation of a safe, but since then you may have purchased various items of jewellery. This has obviously changed the nature of the risk and it is unlikely that we will insure these higher valued items unless you install a suitable safe or alarm system.

The following is the minimum standard of security we expect for standard properties:

Doors 
Outside doors should be solid timber and be secured with 5 lever mortice deadlocks or their equivalent. These locks can only be opened by key, i.e. a burglar cannot just use a plastic card to push back the tongue of the lock or break a glass panel and reach in to open it. Doors that you usually lock from the inside - for example the back door should also be fitted with bolts. 

Patio doors or other glass door should be fitted with key operated bolts to the top and bottom opening sections in addition to a central locking device - this stops the sliding frame being lifted off the tracks. In addition sliding grilles (or fixed swing shut does) should be fitted externally and secured with clasp locks. 

Windows 
Most burglaries are through windows. Where grilles or rejas have not been fitted, key operated locks must be fitted to all accessible windows - those on the ground floor and those near drainpipes and flat roofs or where the bottom of the window is less than 3 metres above ground level.

If you have valuable contents we may insist that a safe or burglar alarm be installed. Please consult us as to which type is best suited to your needs.