Consorcio de Compensacion de Seguros (CCS) has enabled a specific link on its website to check the status of your claim (Online Claim Check (consorseguros.es)). All you have to do is provide the insured person's NIF (tax ID) and the CCS file number. This file number should have been communicated to you via SMS or email when submitting your claim.

If you do not have the file number, please send an e-mail to ccs@consorseguros.es, indicating in the subject: solicitud número de expediente  (file number request).

This information can be downloaded by the insured person from the online Claim Status Check link (Consulta de Expedientes Vía Web (consorseguros.es). To do this, they only have to provide the NIF (tax ID) of the insured person and the CCS file number. This file number should have been communicated to you, via SMS or email when registering your claim. This information will include whether it is a file processed due to damage caused by the DANA that occurred between 28 October and 4 November, the insured person's NIF, the file number, the file status, the type of risk and, in the case of motor vehicles, whether compensation has been paid for total loss.

If you do not have the file number, please, send an e-mail to ccs@consorseguros.es, indicating in the subject: solicitud número de expediente (file number request).

In any case, we inform you that if you are requesting the damage report form or the total loss certificate to apply for PLAN REINICIA AUTO or other public aid, these documents are not necessary for processing.

Royal Decree-Law 8/2024 of 28 November, which adopts urgent complementary measures within the framework of the Plan for Immediate Response, Reconstruction and Relaunching in the face of the damage caused by the DANA (cut-off low system) in different municipalities between 28 October and 4 November 2024, includes in its text and, in particular in articles 10, 21 and the Third Final Provision thereof, that applications for aid include the applicant’s consent for the transfer of data held by CCS, so that this transmission of data will be carried out directly by electronic means from this Entity to the public body responsible for processing the aid without the need for the applicant to provide certification or proof relating to the claim submission to CCS.

This information can be downloaded by the insured person from the online Claim Status Check link Consulta de Expedientes Vía Web (consorseguros.es). To do this, they only have to provide the NIF (tax ID) of the insured person and the CCS file number. This file number should have been communicated to you, via SMS or email when registering your claim. This information will include whether it is a file processed due to damage caused by the DANA that occurred between 28 October and 4 November, the insured person's NIF, the file number, the file status, the type of risk and, in the case of motor vehicles, whether compensation has been paid for total loss. In the event that the payment has already been made, information will also be given on whether it is an advance payment or the final payment.

If you do not have the file number, please send an e-mail to ccs@consorseguros.es, indicating in the subject: solicitud número de expediente (file number request).

In this case, an e-mail should be sent to ccs@consorseguros.es indicating in the subject: disconformidad con indemnización (disagreement with compensation). The insured must provide, together with the file number, the documentary evidence that you consider appropriate and the grounds on which your complaint or claim is based.

Through this e-mail you will be informed of the different actions you can take depending on whether your file has been processed by CCS or has been managed by your insurance company.

In this case, please, send an e-mail to ccs@consorseguros.es with the subject: cambio de cuenta bancaria, (change of bank account), attaching both a copy of your ID card and a certificate of bank ownership.

In these cases, please, send an e-mail to ccs@consorseguros.es indicating in the subject: incidencia pago (issues with the payment).

You must provide us with the details of your file (file number, insured’s ID card, number plate or affected risk situation, policy and insurance company, ownership certificate of current account, etc.) and we will proceed to review it.

In order to correctly identify your file you can send an e-mail to ccs@consorseguros.es, indicating in the subject: gestión expediente (file management). You should provide us with your details (file number, insured’s ID card, policy number, insurance company and location of the affected risk situation (for residential properties, businesses) or number plate (in the case of vehicles), so that we can confirm that the file number is correct and inform you who is handling your file.

The Generalitat Valenciana has created a website to try to locate vehicles affected by the DANA (cut-off low system) of October 2024, Gestión de Vehículos Desaparecidos - DANA Valencia (gva.es). To do so, the user only has to enter the number plate and, if located, the information will be provided.

Consorcio de Compensación de Seguros, by virtue of the insurance contract that covers damage to your vehicle, cannot compensate until it has verified the damage to the vehicle.

Once the yards currently set up by the different town councils have been emptied, CCS will analyse, on a case-by-case basis, the actions to be taken.

CCS, after assessing the damage, compensates in accordance with the insurance policy taken out for the damaged vehicle, without, at any time, acquiring ownership of the vehicle.

In the case of vehicles located in yards,, the local councils are responsible for the transfer (of vehicles classified in the triage as total loss for the purposes of the insurance policy taken out) to the authorised treatment centres - CAT (scrapyard).

In the case of vehicles in another location, once they have been assessed and classified as total loss, the insured can call the authorised treatment centres - CAT (scrapyard).

The authorised treatment centres (CAT) usually process the definitive cancellation of the registration of the vehicle in the Traffic Department records, however, we remind you that, for more information, the Directorate-General for Traffic (Spanish: Dirección General de Tráfico, DGT) has enabled a specific page for the management of simplified procedures for those affected by the DANA, DGT - Simplified procedures, where you can find more information on this subject.

For questions related to the administrative status of vehicles, please contact DGT. A specific page has been set up for the management of simplified procedures for those affected by DANA, DGT - Simplified procedures, where you can find more information.

CCS pays compensation in accordance with the insurance policy, in force on the date of the loss occurrence, which covers the affected vehicle. For the claims arising from the DANA of October 2024, and in application of the Tenth Additional Provision of Royal Decree-Law 8/2024, of 28 November, which adopts urgent complementary measures within the framework of the Plan for Immediate Response, Reconstruction and Relaunching to deal with the damage caused by the DANA (cut-off low system), in different municipalities between 28 October and 4 November 2024, which regulates the removal, storage and treatment of vehicles affected by the DANA, the vehicles are permanently deregistered by DGT (Directorate-General for Traffic) when the following cases occur:

• That the vehicles have been deposited in yards,
• That they have been subsequently transferred to an authorised vehicle treatment centre (CAT),
• That they have been assessed by CCS or the insurance companies that have signed the Special Operating Procedure (POE in Spanish),
• And that they have been considered a total loss for the purposes of the insurance taken out.

In these cases, CCS does not deduct vehicle wrecks from the insured’s compensation and the vehicle must be definitively deregistered with the DGT.

In the case of vehicles that do not meet the above conditions, CCS will deduct the vehicle wrecks from the compensation as indicated in the policy, the administrative status of the vehicle with the DGT being the one agreed between the owner and the buyer of the wrecks.

CCS is not subject to the regulations governing the procedure for applying and granting state aid.

CCS pays the insurance claims arising from damage to vehicles in accordance with

• the appraisal procedures of insurance activity,
• the insurance policy of each vehicle,
• Royal Decree 300/2004, of 20 February, approving the Regulations of Extraordinary Risks Insurance,
• Act 50/1980, of 8 October 1980, on Insurance Contracts.

The expert appraisal criteria applied are generally accepted in the insurance sector, and establish the following guidelines to adapt the compensation in each case to the amount corresponding to each insured:

- For vehicles with exclusively third-party liability insurance, the market value of the vehicle to be compensated is estimated by applying the Ganvam value (tables of the National Autonomous Group of Automobile, Truck and Motorcycle Dealers showing the value in euros of all available vehicles and versions) and increased by 20%, and not including accessories (as these would not be insured in the third-party liability insurance).

- For vehicles insured with some type of own damage guarantee, the loss will be assessed according to the assessment rules, improvements, limitations and exclusions established in the vehicle’s own insurance contract.

- Additionally, for motor vehicles in operation and with a valid MOT (ITV in Spanish), certain minimum values apply: €750 for passenger cars; €400 for motorbikes and €150 for mopeds.

- No deduction will be made for the wrecks (value of what remains of the damaged vehicle) in cases of total loss for the purposes of the insurance taken out, and if the following requirements are met:

• That the vehicles are stored in yards.
• That they have been subsequently transferred to an authorised vehicle treatment centre (CAT).
• That they have been assessed by CCS or the insurance companies that have signed the Special Operating Procedure (POE in Spanish).

The market values published in the BOE (Spanish State Gazette) are the average values for tax purposes for the settlement of ITP-AJD and ISD taxes, among others. Therefore, they have a purpose other than determining the value to be compensated by an insurance contract.

The reference market value to compensate in the case of motor vehicles (Ganvam value increased by 20%, and not including accessories) is a proven and generally accepted reference in the insurance sector.

In accordance with the Regulations on Extraordinary Risks Insurance and the Insurance Contract Act, in order to receive compensation arising from extraordinary risks (extraordinary flooding), it is essential to have a damage insurance policy in force on the date of the loss occurrence, and therefore to have paid the premium before the date of occurrence. Thus, the renewal of the insurance policy by the policyholder at the current date does not affect the collection of compensation for losses occurring prior to the expiration date of the policy.