How do you claim from the Consorcio de Compensación de Seguros?

Question

José Manuel Alburquerque · Accepted Answer

By telephone, on 900 222 665, which is free, or on the website of the Consorcio, Spain's state insurance compensation fund, at consorseguros.es. You can do it yourself or ask your insurer or your broker to do it for you. You will need your policy details, the address where the damage occurred, photos and a bank account number, because the Consorcio pays by bank transfer. You will then be visited by a loss adjuster from the Consorcio, who assesses the damage using their own criteria and is not bound by anything your insurer may have said. For homes, no excess is deducted. What to have to hand The name of your insurer, the policy number and, if you have it, the receipt for the premium payment that was current when the damage occurred. Your “DNI” (Spanish identity card) or “NIF” (tax identification number), your telephone number and the account number for the payment. The exact address where the damage occurred and, if it is a car, the make, model, registration number and garage. Photos and videos of the damage, as well as the invoices for any urgent repairs you have had to carry out. Some policies still give the old number 902 222 665. The number the Consorcio gives today is 900 222 665. How the process works When you submit the application you will be given a reference number, which you can use to follow the case file. A loss adjuster from the Consorcio will inspect the damage. Keep the damaged items until they have seen them and, if you have to throw them away or carry out repairs beforehand, photograph or film them. The Consorcio does not pay the fees of an expert you hire yourself. Report the damage as soon as possible, within seven days if you can. If you are late, the law does not allow them to refuse to pay you for that reason, only to claim from you any loss the delay causes. If you disagree with the assessment Tell the Consorcio in writing and provide quotes or a report from your own expert, although you will have to pay for it yourself. If you still cannot reach an agreement, consult a lawyer without delay, because the time limits for bringing a claim keep running.