Intasure

Would you be brave enough to leave your home in the UK uninsured? So why do so many people who own or buy a property abroad assume that the rules are different just because the sun is shining - risks still exist. Regardless of whether your property is occupied, unoccupied or let - short or long term - you need comprehensive property insurance and cover against potential liabilities.

Intasure offers property insurance designed specifically to meet the needs of the overseas property market. It is ideal for expatriates resident in Spain and UK based owners of property overseas. Flexibility is central to Intasure’s cover, comprehensive buildings and contents insurance allows you to live in, leave your property unoccupied or let it - short or long term. The policy also covers loss of rent, emergency travel from the UK and temporary accommodation in the event of a major claim. For additional peace of mind these policies are underwritten by one of the world’s leading insurers, Norwich Union.

No language barriers.
Understanding exactly what a policy includes, even in English, can be a feat in itself. Add to this the complication of an unfamiliar language and the stress associated with making a claim and the whole process could be doubly hard. Intasure’s documentation is entirely in English and all claims and enquiries are handled by a UK-based English speaking support team.

Community Insurance can be misleading
Local Community Insurance cover can be deceptive. It is designed to protect communal areas such as boundary walls, entrances and staircases (in the case of apartments), but not as comprehensive cover for your specific property. It is invariably written in the language of origin, which makes it hard to fully understand what the cover includes. Owners can mistakenly believe that Community Insurance covers their home, discovering too late that it does not.

Essential Liability cover
Intasure’s comprehensive cover is also ideal for anyone who lets their property, particularly with the current trend toward litigation. Intasure’s policy automatically includes £2,000,000 Public Liability cover, (1,500,000€ for expatriates) far in excess of many other European policies (in Spain for example, typically 30,000€ - approx. £20,000).

Cover is available for homes in Spain, France, Portugal, Italy, Greece, Cyprus and the Republic of Ireland. For a quick quote or to arrange immediate cover visit the Intasure web site: www.intasure.com or call 0845 111 0680 (from the UK) or 900 11 0680 (toll free from Spain) and benefit from a 20% introductory discount plus an additional 10% discount if you opt for an increased excess.

Your cover at a glance

• Your cover is underwritten by one of the world’s leading insurers – Norwich Union
• 20% introductory discount in the first year of the policy subject to claims experience. This will also apply to your renewal premium after one year
• You can further reduce your premium by up to 10% with
an increased excess
• Your property is covered whether occupied or unoccupied
• Your property is covered if let short term or long term
• All policy documents are in English
• Policy covers your swimming pool as well as buildings
• Loss of rent included following a claim
• Covers the purchaser of your home during the period between exchange of contracts and completion
• Covers temporary accommodation following a claim
• Wider cover than a standard Spanish buildings and contents policy
• Wider cover than a ‘community’ policy
• All claims are handled by a UK based English speaking team