In our last newsletter we outlined the benefits of DKV Private Health Insurance confirming that discounts of 25% were being offered (15% second year and 10% 3rd year). This offer ends on 30 April!!! If you have enquired and don’t want to miss this offer we must apply for cover by 30 April or the discount will have expired!
DKV are one of the leading health insurers in Spain offering full in and out patient treatment in selected hospitals and clinics all over Spain at very competitive prices. If you want a quote it is not too late to enquire!!
New Improved Benefits to the Liberty Home policy
As a company always improving their Home Insurance I can confirm that from immediate effect all HU2 Liberty home insurance policies now include the following benefits to their covers:-
- Mobility Scooters and Electric Bikes covered automatically for liability cover (used to be 60 euros extra).
- Extention of liability cover to 1m for rental properties available
- There is now no limitation for age of electrical items in the event of a claim
- Electrical damage cover now extends to underground electrics, i.e. pool pumps
- No limitation on rainfall for Plus and Premium claims for water damage
- Larceny – now covers Garden Furniture to a limit of 2000 euros for Plus and 3000 for Premium cover
- Contents in the storeroom, used to be limited to 3000 euros now increased to 10% of total contents cover with a maximum of 1500 euros single item cover
- Damages now covered which has been caused by rats! (No other insurance company offers this)
Car insurance benefits
A reminder that with Liberty Car Insurance in the event of total loss or theft cars up to:-
2 years old are offered full market value as new
80% for cars 2 years old
70% for cars 3 years old
+ 30% for all cars 4 years and over
Many insurers do not offer such high offers in the event of a claim
NEWS ON RENTAL HOMES AND THE NEW LAW
After three years of waiting, Andalusia has announced its new regulation for the tourist accommodation in the Official Bulletin of the Andalusian Government (BOJA).
This regulation of the rental property industry in Andalusia is long overdue and follows in the wake of similar regulations implemented in regions such as Catalonia in 2014. Holiday rental accommodations are considered to be properties located in a residential zone that are regularly offered for touristic purposes by financial transaction.
How to register a home in the Registry of Tourism of Andalusia
a) The homeowner must submit a statement to the Ministry responsible for tourism, confirming the property is in accordance with all the requirements of the decree. Once submitted, the property can be rented out with immediate effect. The minimum content of the statement of responsibility will include:
- Property details including cadastral reference and the maximum capacity as stated by the license of occupation;
- Information about the property owner, whether an individual or a company, including contact address for notifications;
a) The Decree was published on 11th February 2016. Registration opens 3 months after this date, which supposedly would make it 12th May 2016, for registering a property in the Registry of Tourism of Andalusia.
b) Homeowners have one year to comply with the requirements of fixed air conditioning and heating units as required in the property.
Who is legally accountable to the Administration and the tenants?
The homeowner is considered to be legally accountable to the administration and holidaymakers, unless otherwise stated.
All properties that are not registered or have not filed a declaration of responsibility and are being rented out for tourism purposes, could be fined up to 180,000 euros. Also, any property that does not meet the requirements of this Decree may also be fined.
For more information on the new rental laws log onto the web. There is much information on the new laws, some you can download forms necessary and take you through the process of registering from start to finish.
It would also be wise to note that any liability claim in respect of a rental property would not be upheld if a rental property has not been registered, therefore making the rental illegal.