home insurance

*  Coverage for elements that are located outside the home, like gardens or terraces that are protected by a fence with a height of at least two metres and limited to proper garden furniture, gardening tools and solar panels, provided they are located in a private area owned by the insured party. Coverage for goods stored in storage rooms, garages and basements, which must be equipped with individual locks, have all their openings protected and be for the insured party's exclusive use. In addition, they are subject to a limit of 20% of the insured capital sum for furniture up to a maximum of €4,000 per claim. Jewellery and objects of special value are excluded.

(1) The product's coverage according to the policy's General and Specific Terms and Conditions.

(2) Protection Home Insurance taken out with CASER Grupo Asegurador through Unimediación, S.L.U. , a related banking-insurance operator, duly registered at the Administrative Registry of Insurance Brokers kept by the Directorate-General of Insurance and Pension Funds (Registration No. OV-0010), acting through the distribution network of Unicaja Banco, S.A. Third-party liability insurance taken out in accordance with Royal Decree-Law 3/2020 of 4 February. You can query the insurance companies Unimediación, S.L.U. has entered into agency agreements with at www.unicajabanco.es/seguros. Insurance company: CAJA DE SEGUROS REUNIDOS, Compañía de Seguros y Reaseguros, S.A. (CASER), VAT Reg. No. A-28013050. Madrid Companies Registry – Volume 2245 – Folio 179 – Sheet M-39662 – Avda. de Burgos, 109 (28050) Madrid.

(3) Includes the professional's travel time and the first three hours of labour, which may be increased for an additional two hours at the customer's expense. One service per home visit and two requests per policy and yearly insurance premium. The service must be requested through Caser. Any other service not requested through Caser will not be entitled to reimbursement or indemnity compensation.

(4) Caser Academia terms and conditions of service: eligibility for the service is conditional upon your policy being in force, during which time the insured party shall be entitled to register for three courses a year from among those offered on the programme. The insured party shall be entitled to one change of academic year in each year the policy is in force in order to be able to adapt it to the academic year which corresponds to the student.

(5) The 20% discount is applied by paying 20% of the first year's net premium amount into your account. Promotion valid for new Protection Home Insurance policies subscribed between 1 March and 30 July 2021 that are not linked to asset transactions and which cover both the insured building and contents. To be eligible for this offer, the customer's mobile telephone number must be entered when registering for the policy. The amount of the total annual premium must be equivalent to or greater than €230. Offer cannot be accumulated with other promotions. Maximum of one discount per policy and insured home. Customers who have had their home insured by Caser in the last six months are not eligible for this promotion. If the subscription is done through the Unicaja Banco website, the only requirement is that the subscription must be done during the campaign period.

(6) It includes the resolution of incidents related to the private use of the Insured's computer at home, system configuration and help in the use of applications and data recovery. The service must be requested through Caser. Any other service not requested through Caser will not be entitled to reimbursement or indemnity compensation.

(7) Terms and conditions of the home help service: Provision of three hours of services anywhere. The beneficiaries shall include: the insured party, their spouse/partner and first-degree relatives in the ascending line, even if they do not live with the insured party. The three hours of service provided must be used within a maximum continuous period of one month within each year the policy is in force. The services included are physical care, personal attention, accompaniment, assistance and night care. Additionally, the customer can benefit from an integrated telephone guidance and counselling service (medical, social, psychological, dietetic-nutritional and legal).

(8) The Electrocaser service is solely a repair service and not an indemnity compensation service and must only be requested through Caser at the telephone number indicated in the policy. Any other service not requested through Caser will not be entitled of reimbursement or indemnity compensation. A maximum of two requests per policy and year will be dealt with and it has following coverage:

- Quotation and call-out free of charge.
- 24-hour telephone service.
- Repairs costing up to €300 (including VAT), including three (3) hours of labour and spare parts, provided their replacement is necessary.
- If the aforementioned limits are exceeded, the cost per hour and/or excess amount will be charged to the insured party.
- The appliances covered include: washing machines, dryers, refrigerators, freezers, dishwashers, extractor hoods, electric ceramic or induction hobs, electric hobs, ovens and microwaves.