In order to be entitled to this, your policy must include cover for any of the following risks: fire, theft, glass breakage, damage to machinery, electronic equipment, computers or combined modalities of these: for instance, policies known as multi-risk household, community, offices, commerce, workshops, industry, SME policies, etc.

In the case of motor vehicles (passenger cars, lorries, buses, commercial vehicles, motor bicycles, mopeds...), the damages will be compensated both in the case that the vehicle were to be insured with damage cover for the vehicle itself, that is, CASCO insurance (for example, windscreen breakage, theft or those known as fully comprehensive insurance with or without deductible), and in the case that it was only covered by a motor car civil liability policy (policies usually known as "compulsory insurance" or "third party insurance").

A party will be entitled to compensation if they have signed (or if they are a beneficiary of) an insurance policy that covers the risk of accidents, individually or in a combined manner with other covers or as a supplement to them (for example in a life insurance policy), or a policy in the life range that exclusively or mainly guarantees the risk of death.

Regarding the type of injuries, Consorcio gives compensation in the case of death, permanent disability (partial, total or absolute) or temporary disability and it will do so taking the amounts set forth in the policy into consideration.

The following is necessary in order for the loss of profits to be covered:

• This cover is expressly indicated in the policy;
• The loss is a result of a direct damage to the insured assets and
• These assets belong to the insured party, or they are at their disposal.

In order to be entitled to compensation from Consorcio de Compensación de Seguros, the damage or injury must have been caused by one of the following hazards, which are the ones that are legally considered as "extraordinary ":

• Natural hazards: flood (fluvial, pluvial and coastal), wave battering, unusual cyclonic storms (tornadoes and winds gusting over 120 km/h), earthquake, tidal waves, volcanic eruption, meteorite falling.
• Human-made violent actions as a result of terrorism, revolt, riots or civil commotion.
• Actions by the Armed Forces or by the Law Enforcement Agencies in times of peace

No, Consorcio only compensates the damages that affect people or goods for which an insurance policy has been contracted with any authorised insurance company and whenever the policy is in force at the time the damages or injuries occur and the insured party is up-to-date with the premium payments.

When a loss enters into the scope of Consorcio, it takes charge of the compensation for the damages or injuries based on the same cover of the policy contracted with the insurance company. This means that, when compensating losses, Consorcio will take into account the same assets, the same insured capital and other conditions (first risk, compensation limits, etc.) established in the original insurance policy for the aforementioned contingencies.