We recommend that you file the claim with Consorcio at as soon as possible to facilitate the assessment of damages and speed up the processing of the application, if possible within the 7 days’ time after the loss legal limit, although Consorcio will also accept your application if submitted after the aforementioned period.

In addition, filing a claim with Consorcio is quite simple: you can do it through our call centre that is also available in English and French (900 222 665, calling from Spain or +34 952 367 042 if you’re calling from abroad) or through the Consorcio website (www.consorseguros.es), providing data identifying the policy, the policyholder and the insured and damaged item, and the bank account for us to transfer the compensation payment.

In both cases of claims for compensation filed online through the Consorcio website or by telephone using the Call Centre, documental information will be provided to the Consorcio's loss adjuster when he or she makes the visit to assess the damages and it will include the following:

• Repair quotes and invoices for the damages and two sets (original and copy) of the policy and of the payment receipt for the premium corresponding to the period when the damages occurred. The adjuster will keep the copy of both documents. It also will be necessary to show any receipt or bank document on which the bank account (20 digits) provided can be checked.
• In addition to providing the adjuster with the abovementioned documents, the remains of the damaged items will be kept at the adjuster's disposal and if this were not possible, photographs will be taken prior to the removal of the damaged goods as well as keeping the invoices in the case of an urgent repair having had to be carried out.

In the rare case of not being able to file the claim for compensation for property damage by telephone or through the website, it may be made in writing addressed to the Regional Branch of Consorcio corresponding to the place where the loss took place. The addresses of our Offices can be supplied by our call centre (900 222 665) and they can also be found at the Consorcio website. In this case, the damage communication sheet may be presented directly or by post to the Office or through the insurance company with which the policy was contracted, or through the agent or broker who intervened in the contract, but it may not be sent to Consorcio by fax or by e-mail. The documentation that must be attached to the communication sheet will be the following:

• A photocopy of the insurance policy: general and particular conditions, as well as the supplements and appendixes if applicable.
• A photocopy of the payment receipt of the insurance premium, supporting that the insurance cover was in force on the date when the loss occurred.

The compensation is determined in terms of the conditions of the insurance policy (insured property or individual, insured capital and clauses in the policy), of the loss assessment by the Consorcio's adjuster of the damages suffered and of the deductible that the legislation establishes to be applied by the Consorcio.

This deductible has been removed in the case of damages to motor vehicles and residential properties and it is applicable in the case of businesses, offices and industries. There are no deductibles in the case of personal injury. In the case of business interruption, Consorcio will follow the deductibles established in the original policy underwritten with the private insurer.

Yes, be it if you have cover for damages to the vehicle itself or if your policy only covers third-party liability. Consorcio also assumes the tow truck expenses to take the vehicle to the workshop, whenever this is reasonably close to the site where the loss causing the claim occurred.

In the first place, you can consult your insurance company, agent or broker; on the other hand, your insurance will have Extraordinary Risk cover whenever in addition to the compulsory motor vehicle insurance or third party insurance, you have cover for the damages to the vehicle itself, such as breakage of Windows, fire/theft of the vehicle, etc.

Since July 2016 policies of automobiles which only cover civil liability also include extraordinary risk surcharge, so corresponding vehicles have also secured the extraordinary risks.

The compensation is determined in terms of the amount for the necessary repair and the fair market value (sale value or market value) of the vehicle at the moment prior to the claim. If the amount necessary for the repair exceeds this value, in general, the policies set forth that the fair market price must be paid, with reduction of the value of the remains. If the repair does not exceed this value, the Consorcio will pay the amount of the repair.

In insurance against damage to property, a deductible of 7 % of the loss is charged to the insured party. There is no deductible applied in the case of personal injury and also there is also no deductible for motor cars and residential properties. Regarding the cover for loss of profits or business interruption, the applicable deductible is the same in time or amount as the one foreseen in the ordinary original policy.

No, Consorcio does not apply any deductibles on this type of property, even when you have a contracted a deductible in your policy for ordinary risks.

No, Consorcio does not apply any deductibles when the damaged good is a vehicle or a residential property, regardless of those that could be contracted in your policy. The fact that you have contracted deductibles or not in your policy is irrelevant to Consorcio.

Regarding the coverage of the possible property damages caused by an extraordinary hazard, your policy payments must be up to date and it must include coverage of at least one of the most usual risks: fire, theft, window breakage, etc., or combined insurance; that is to say, you must have contracted a policy of the so-called combined fire, theft or multi-risk home, combined or multi-risk business, workshops or industry.

In addition, if the insurance policy were to include cover for loss of profits or business interruption: against uninhability, loss of rents or similar, Consorcio already compensates these losses when they are caused by a material damage to the insured properties as a result of an extraordinary hazard.

Yes, but under certain conditions. The Consorcio gives compensation for direct damages to the goods and the loss of profits that are a result of direct damages. In order for there to be cover from the Consorcio for the loss of profits as a result of direct damages, it is necessary for:

• The policy holder to have an ordinary policy with the compulsory surcharge in the Consorcio's favour that establishes the cover for this type of damage.
• It is understood that a loss of profits has occurred when there is an alteration in the normal results of the insured subject's economic activity derived from the halt, suspension or reduction in the production or business processes of the aforementioned activity (for example, economic loss for stoppage of sales due to the direct damages produced by a flood in some cold storage rooms for food).
• The quantification of the loss of profits, the part of it that may be compensated by the Consorcio and the periods of cover and of compensation, will be the same as those stated in the ordinary policy.
• Notwithstanding the above, it must be taken into account that the Consorcio, when valuing the loss, is not bound by the valuations which, if applicable, the insurance company that covers the ordinary risks has made, but rather the Consorcio's appraisal is independent. It is necessary for the loss of profits to be a result of a direct damage of the insured goods on the policy itself or on a different one.
• Finally, the insured goods must belong to or be at the disposal of the insured party. Consequently, the loss of profits would not be covered when they are at the disposal of individuals or corporate bodies other than the insured party, who have not been able to be supplied as a result of the extraordinary event.

You must have some cover for own damages contracted: fully comprehensive, breakage of windscreens/windows, theft, fire, etc. The Compulsory Motor Vehicle Insurance (CMVI) and damages to third parties is not sufficient, since in this case you have not insured the vehicle for own damages, but rather for the damages that your vehicle could cause to third parties and, therefore, in your premium you do not pay the surcharge corresponding to extraordinary risk cover. Since July 2016 policies of automobiles which only cover civil liability also include extraordinary risk surcharge, so corresponding vehicles have also secured the extraordinary risks.

Because the receipts of the Compulsory Motor Vehicle Insurance (CMVI) and damages to third parties do not incorporate the surcharge for cover of extraordinary risks. The amount that appears on your receipt is to satisfy the Consorcio's functions as a guarantee fund. For example: payment of compensation to the injured parties due to losses caused by vehicles driving without any insurance, which have been stolen or that are insured by insurance companies that are in administrative liquidation (stoppage of payments, bankruptcy, etc). Since July 2016 policies of automobiles which only cover civil liability also include extraordinary risk surcharge, so corresponding vehicles have also secured the extraordinary risks.

You must do whatever is necessary to ensure the damages do not get any worse and you should keep the remains of the damaged goods for the expert appraiser. If for any reason this were not to be possible and the damages had to be repaired before the expert appraiser's visit, try to take some photographs where the damages can be seen.

It is advisable to wait for the expert appraiser to see the vehicle, since our expert appraisers are experts in the repair of damages caused by flooding and other extraordinary risks, which are different from the classic damages due to traffic accidents and they must study and evaluate the repair along with those in charge of the repair garage.

Once the expert appraiser has finished his work, when the amount of the repair exceeds the fair market value (fair market value = sale value, according to the dictionary, it corresponds to the value that may be obtained for the vehicle if put on sale, therefore it is a different, lower value than the purchase value), in most policies, it is established that the fair market value will be paid with a deduction for the remains of the vehicle.

Yes, as the Consorcio does not have agreements signed with any repair garages; I should also specify that the cost of the tow truck is paid for by the Consorcio whenever the vehicle is moved from the site of the accident to a garage reasonably close to the place where the accident took place.

You could hire an expert appraiser yourself, informing the Consorcio's expert appraiser and our Territorial Branch of the appointment. Naturally, the fees to be paid to this expert appraiser will be your responsibility. Hereinafter, the appraisal work will be carried out jointly by both experts.

Whenever possible, the damaged goods should remain at the disposal of the expert appraiser in charge of the valuation of the damages, as all the insurance policies establish. If this is not possible and the remains must be removed to a tip, try to take photographs before their removal and/or draw up a notarial certificate. If any authority were to order the removal of the remains, try to ensure that the corresponding certificate or document describing the operation performed is supplied to you.

The expert appraiser carries out the appraisal of the total damages, both private and common and the CCS pays the total amount to the insured Association. For this reason, the Association must decide how to share out the compensation amongst the co-owners.