If you have hired home insurance you should know that certain risks are not always covered by it, but must be claimed from the Insurance Compensation Consortium. These risks, called extraordinary risks not usually covered by insurance. However, the Consortium is responsible for compensation for damage caused by these risks as long as the insured meets a surcharge on insurance in favor of the Consortium.

To claim compensation for extraordinary claim to the Consortium of Insurance Compensation if damage has occurred to persons or property insured as a result of some phenomenon of nature or acts of political social on which rests the coverage of the Consortium, must file the claim before the seven days following the incident. This claim may be submitted by the insured, the policyholder or beneficiary or their legal representatives to the regional Delegation of the Consortium for the place where the accident occurred or in the offices of the company which has been contracted home insurance.


Documents to claim a loss to the Insurance Compensation Consortium


To make this claim there is a specific model, which is the communication sheet Sinister, which must also attach a number of documents.

Documents to claim personal injury to the Insurance Compensation Consortium


If personal damages have occurred covered by the Insurance Compensation Consortium, and as long as the ordinary insurance does not cover extraordinary risks, must submit the following documents together with the Communication Sheet Sinister:

  1. A photocopy of the DNI / NIF of the recipient of the compensation and, if not be the same, the injured.
  2. The bank details of the recipient of compensation
  3. A photocopy of the insurance policy, in which the general and special conditions of the policy and all its appendices and supplements should appear.
  4. A photocopy of receipt of payment of current maturities at the date of the casualty premium, which must is recorded corresponding to the commercial premium and the surcharge paid to the Insurance Compensation Consortium amount.
  5. All supporting documentation of the cause of the accident and the injuries and damages caused by it.

Documents to claim damage to the Consortium of Insurance Compensation


To claim materials Insurance Compensation Consortium damages must submit the following documents attached to the Communication Sheet Sinister:

  1. A photocopy of the DNI / NIF of the recipient of compensation
  2. A copy of the conditions of the policy, in which the general and special conditions of it and all its appendices and supplements are read.
  3. A photocopy of the receipt of the premium which is reflected surcharge in favor of the Consortium.
  4. The bank details of beneficiaries.
  5. If there is a clause Mortgage Beneficiary will have to provide the authorization of the beneficiary to pay compensation to the insured.

Documents to be presented Insurance Compensation Consortium in case of death

In case of death, these are the documents to be attached to the Communication Sheet Sinister:

  1. The death certificate
  2. A photocopy of the DNI / NIF of potential beneficiary of the indemnification
  3. A photocopy of the general and special conditions of the insurance policy with all appendices and supplements sys.
  4. A photocopy of receipt of payment of the current premium which reflected the surcharge paid to the Consortium.
  5. Lso bank details of beneficiaries
  6. The documentation supporting the cause of the accident and its causes.
  7. The family book, the will or the heirs declaration or affidavit if no designated beneficiaries in the policy.
  8. Liquidation of inheritance tax
  9. If necessary demolition

If the specific circumstances of the incident were necessary to destroy the property affected is necessary to mention the state of the same through photographs, affidavits, videos and / or official certificates and keep invoices of damaged goods if you can not delay the destruction or demolition thereof.

Doubts?

To cualqueir doubt, you have at your disposal the Insured Assistance Hotline, 902 22 26 65.