Legal Defense Insurance in Spain
Bsure Insurance Brokers offer insurance that covers you for the expense of your legal defence. Insurance plans will pay for the legal costs acquired defending your rights. You can fully customise the coverage of your insurance plans to cater to your needs.
Key Life insurance Covers
Cost of retaining an attorney
Costs of filing necessary papers
Costs during investigation of the case
Lost salary or wages
The 3 most essential plans that we would advise having are:
- Cover for Motor vehicles and being notified for traffic fines.
- Cover for your family and home, and work matters
- Cover when renting your home.
1. Legal cover for your Vehicle: Auto Basic Plus
It is important to have a independent policy for your vehicles that covers all eventualities that can happen when driving or repair work.
Cover provided by the insurance policy that the car will have is very good on its own. However, the policy will put the insurance company first and the policyholder second.
An added benefit of the independant policy is that traffic fines and speeding fines will be sent to you by email and text message. This is very good if you live part of the year away from the property.
Legal Cover includes:
➢ Notification and help with Traffic fines
➢ Cover resulting from traffic accidents
➢ Cover for the offence of failure to give aid
➢ Defense for reckless driving or driving under the influence of alcohol, drugs or narcotics, although no traffic accident took place.
➢ Cover for damage produced by any objects or merchandise being transported
➢ Cover for minor children of the Policy Holder
➢ For non-traffic related incidents
➢ Second opinion by assessors
➢ Defense cover against garages for defective work carried out on the vehicle and cover for vehicles purchased
2. Legal cover for Family, Home and Work matters:
FAMILY 12 MONTHS COVER
Living in a country where you do not speak the native language comes with complications. Doing the weekly shopping at the super market will not give most people problems. However, legal letters received through the post will likely cause stress and worry. Having a policy in place that will cover the whole family for any issues will give much needed peace of mind.
LEGAL Assistance for the FAMILY UNIT, providing cover in the following areas:
➢ PRIVATE LIVES
➢ NON-MOTORISED VEHICLES, whether they be land, air or sea and always of private use.
➢ CONSUMER ISSUES
3. Legal cover for Property Rentals
When renting a property out there are many potential issues that will inevitably arise. It makes sense to have advice at hand when these problems come up. An extra cover which can be essential is cover for non payment of rent by tenants. All in all this type of policy is very useful and highly recommended.
➢ Rental contract defense and claims- Provides the fees to claim against third parties that are living in your home and not complying with the terms in your rental agreement signed by both the landlord and tenant.
➢ Loss of rental income due to fire, lightning or explosion- Damage caused by fire is the most serious when it comes to the costs involved to rectify and rebuild a home. Added to this is the time involved to do the rebuild.
➢ Non-payment of the rent up to 4000 euros per month
➢ Vandalised property and contents
➢ Protection from criminal liability
➢ Claims on repair and maintenance contracts
➢ Claims for damages outside the rental contract
➢ Defense of your property rights
➢ Defence against other insurance policies
The cost is minimal and although not an essential insurance to purchase, it is a great plan to have in place to avoid any large potentional fees.
In many instances your home, car or commercial policies will have a type of defense cover included. However the benefit of a stand alone policy is that there is no conflict of interest. For example if you home is insured by a company and the community insure the building with the same company, they will have little interest to claim from each other as they are the same entity. For this reason a seperate legal policy is always going to provide you with impartial advise and cover.