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.