The NOTEBOOK Madrid.comExpert facts from local expats since 2001
Moving to Madrid

Regarding Personal Home Insurance :

Most of the companies offer a 24-hour “breakdown service”, rather expensive, but extremely useful !!! 
In Spain, there are 2 types of insurance: an insurance which covers the the contents of your home and another one which covers the house itself. If you are renting a property, the landlord will be responsible for the “building” insurance and you, as a tenant, will have to insure its contents. 

Regarding Car Insurance :

If you wish to bring your own car from home, you should know that the insurance you had at home cannot cover a car based in Madrid. So, after 3 to 6 months (to be negotiated with your insurers at home), you’ll have to insure your car locally. This means that during this 3-6 month period, you absolutely must get local plates as none of the local insurance companies will insure a car with foreign plates

ALC Health Insurance - for you, your family or your company

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ALC Health Insurance  - for you, your family or your company 

For many years moving abroad was all about retiring, but recently there has been a dramatic reduction in the average age of those moving overseas with more and more people looking to move permanently overseas.

Whether you have taken up permanent residency in your newly adopted country or perhaps spending just part of the year here and remainder in your home country, it is important to plan ahead and understand what your healthcare requirements will be. You should also consider how you are going to pay for any medical treatment you may need from time to time as local services can at times be difficult to access, expensive or simply not available.

ALC Health is here to help you...

Sorting out your medical insurance cover without specialist advice can be fraught with danger for the unwary, and it is a foolhardy individual who purchases local PMI cover without fully understanding the restrictions involved. 

Some local health insurance policies can quickly prove to be a false economy. They will often advertise that a medical procedure as simple as a hip replacement is covered but when reading the small print, it states that it will only allow for a small monetary sum towards your treatment cost, perhaps a little as 1,000 Euros, where as the actual cost of treatment can be ten times that amount. International policies such as those available through ALC Health in comparison would normally pay for the treatment in full.

There can also be regional restrictions. Many local insurance policies will only permit treatment within the region where you live.  With ALC Health you get Europe cover with the choice to have your treatment at any hospital, any doctor.

Regional Support, Local Knowledge

ALC Health has been Iberia’s leading international medical insurer for the last ten years with head offices in the UK and local offices in Madrid and Marbella.  We offer a choice of international medical insurance products designed to take the worry out of seeking what can often be expensive medical care.  With the Prima Ibérica plan we offer a dedicated plan to individuals and families living in Spain which provides comprehensive medical insurance cover at competitive premiums – see www.prima-iberica.eu. 

ALC Health appreciate how important it is to have complete confidence in our products and services and understand that no two individuals or organisations are the same, which is why we take the same individual approach for each and every one of our members. 

Please contact us on:  952 93 1609

Inov Insurance

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Inov Insurance, broker authorized by the Spanish Ministry of Finance compares products from different insurance companies in order to provide best offer. They advise individuals -car, house, health insurance- and corporate (mainly SME´s) in English, French and Spanish. They are specialized in foreigners living in Spain- Inov Insurance is for example the only broker able to insure cars with UK plates- and deal mainly via internet: clients fill in an on-line questionnaire and receive in a maximum of two hours, quotes from different companies. Their multilingual personnel are very professional and always available to respond to your questions.


 

Private Security Companies

Most people who live in an independent house acquire services offered by private security companies. These companies provide daily surveillance and specifically watch over your house when you are away (traditional holidays are very popular with burglars). Your house alarm will be directly connected to their central offices and they should get to your house in less than 5 minutes in case of any problem.

Here are a few addresses:

Asys                                                                                                
Tel.: 914 45 98 69
www.asys.es
For those living in the Parque Conde de Orgaz area.

Servicio de Vigilancia
Tel.: 916 50 34 11
www.gruporst.com
For those living in El Soto de la  Moraleja.

Seguridad la Moraleja
Tel.: 916 50 16 12
http://www.moraleja.net/lamoraleja/entidadmoraleja.htm
For those living in La Moraleja.                                                            

And also:

Segurservi
Tel: 902 19 12 00
http://www.segurservi.com/

Prosegur
Tel.: 902 20 29 99
www.prosegur.es

Car Insurance

If you wish to bring your own car from home, you should know that the insurance you had at home cannot cover a car based in Madrid. So, after 3 to 6 months (to be negotiated with your insurers at home), you’ll have to insure your car locally. This means that during this 3-6 month period, you absolutely must get local plates as none of the local insurance companies will insure a car with foreign plates.

Racc Club - Reial Automobile Club de Catalunya
Tel.: 902 45 24 52
www.racc.es
You can become a member of the Racc on presentation of your ID, bank or credit card details and an annual fee of € 141.  This entitles you to a range of services including assistance with obtaining Spanish registration for your car, driver licence, legal support for a vehicle-related offence, a breakdown service, repatriation from abroad and the option to take out their car insurance. They will find the most suitable insurance.