Insurance FAQs

Insurance

We help answer all your questions about the insurance we offer at Bankinter.

What risks are covered by multi-risk policies for the home? See What risks are covered by multi-risk policies for the home?

What risks are not covered by multi-risk home insurance policies? See What risks are not covered by multi-risk home insurance policies?

How many people can be insured under the same funeral insurance policy? See How many people can be insured under the same funeral insurance policy?

What types of funeral insurance can you take out? See What types of funeral insurance can you take out?

What type of burial service can you choose with funeral insurance? See What type of burial service can you choose with funeral insurance?

What happens if the insured person has a niche tomb/grave? See What happens if the insured person has a niche tomb/grave?

What is regarded as contents in home insurance? See What is regarded as contents in home insurance?

What is a home insurance premium? See What is a home insurance premium?

What does structure mean in home insurance? See What does structure mean in home insurance?

From what date does the home insurance take effect? See From what date does the home insurance take effect?

What is the proportional rule in home insurance? See What is the proportional rule in home insurance?

What should I do if I buy more personal items and want to include them in my home insurance? See What should I do if I buy more personal items and want to include them in my home insurance?

What's the difference between robbery, robbery with violence and theft? See What's the difference between robbery, robbery with violence and theft?

If I am granted a mortgage loan, do I need to take out a home insurance policy? See If I am granted a mortgage loan, do I need to take out a home insurance policy?

Should I take out a home insurance policy if I rent my property? See Should I take out a home insurance policy if I rent my property?

How are my assets valued in a home insurance claim? See How are my assets valued in a home insurance claim?

How long can the company take to compensate me for a home insurance claim? See How long can the company take to compensate me for a home insurance claim?

Who is the landlord and the tenant? See Who is the landlord and the tenant?

Who is the policyholder in rental protection insurance? See Who is the policyholder in rental protection insurance?

What should be done if a person with funeral insurance dies? See What should be done if a person with funeral insurance dies?

What is the difference between transfer and repatriation for funeral insurance? See What is the difference between transfer and repatriation for funeral insurance?

Does funeral insurance for foreign residents cover the travel costs of the companion? See Does funeral insurance for foreign residents cover the travel costs of the companion?

What does the guarantee of complementary funeral service assistance in funeral insurance for foreign residents consist of? See What does the guarantee of complementary funeral service assistance in funeral insurance for foreign residents consist of?

Who is the insured in a rental protection insurance policy? See Who is the insured in a rental protection insurance policy?

Does rental protection insurance have a deductible for non-payment of rent? See Does rental protection insurance have a deductible for non-payment of rent?

What should you do in the event of a loss under your rental protection insurance? See What should you do in the event of a loss under your rental protection insurance?

Can I have several life insurance policies? See Can I have several life insurance policies?

How would my family know that I have arranged life insurance? See How would my family know that I have arranged life insurance?

Can I name beneficiaries for my life insurance policy? See Can I name beneficiaries for my life insurance policy?

What is the duration of the life insurance policy? See What is the duration of the life insurance policy?

Could the insurer rescind the life insurance if I get sick? See Could the insurer rescind the life insurance if I get sick?

When should a death or accident be reported for life insurance purposes? See When should a death or accident be reported for life insurance purposes?

Can I increase or decrease the guarantees contracted under my life insurance? See Can I increase or decrease the guarantees contracted under my life insurance?

What are the advantages of having a funeral insurance policy? See What are the advantages of having a funeral insurance policy?

Until what age can I take out a funeral insurance policy? See Until what age can I take out a funeral insurance policy?

When should I register a newborn child for health insurance? See When should I register a newborn child for health insurance?

Can health insurance waiting periods be reviewed? See Can health insurance waiting periods be reviewed?

What does access to the United States Hospital Network health insurance cover? See What does access to the United States Hospital Network health insurance cover?

If I am outside Spain for part of the year, how does the health insurance protect me abroad? See If I am outside Spain for part of the year, how does the health insurance protect me abroad?

What is the High Coverage supplement of the health insurance? See What is the High Coverage supplement of the health insurance?

What does the basic dental insurance policy cover? See What does the basic dental insurance policy cover?

How does Health Care insurance differ from Expense Reimbursement insurance? See How does Health Care insurance differ from Expense Reimbursement insurance?

What does the National and International Adoption coverage of the health insurance consist of? See What does the National and International Adoption coverage of the health insurance consist of?

What coverages, treatments and special services are only covered in affiliated centres (at no charge to customers)? See What coverages, treatments and special services are only covered in affiliated centres (at no charge to customers)?

What does 24-hour medical advice from the health insurance consist of? See What does 24-hour medical advice from the health insurance consist of?

What is it the early diagnosis programme for breast disease and what is included with the health insurance? See What is it the early diagnosis programme for breast disease and what is included with the health insurance?

What is it the early diagnosis programme for gynaecological disorders and what is included with the health insurance? See What is it the early diagnosis programme for gynaecological disorders and what is included with the health insurance?

What is it the early diagnosis programme for coronary heart disease and what is included with the health insurance? See What is it the early diagnosis programme for coronary heart disease and what is included with the health insurance?

Can I temporarily suspend my car insurance policy? See Can I temporarily suspend my car insurance policy?

Can I pay for my car insurance in instalments? See Can I pay for my car insurance in instalments?

What is the excess on car insurance? See What is the excess on car insurance?

What is compulsory civil liability (CCL) in car insurance? See What is compulsory civil liability (CCL) in car insurance?

What is voluntary civil liability (VCL) in car insurance? See What is voluntary civil liability (VCL) in car insurance?

What do I do if I need travel assistance services abroad? See What do I do if I need travel assistance services abroad?

How far from my home am I covered for travel assistance? See How far from my home am I covered for travel assistance?

Do I have the same travel assistance coverage outside of Spain? See Do I have the same travel assistance coverage outside of Spain?

Does my policy include legal defence coverage? See Does my policy include legal defence coverage?

Does my car insurance cover me to drive another vehicle? See Does my car insurance cover me to drive another vehicle?

Are companions covered by car insurance? See Are companions covered by car insurance?

What is the compensation value for my vehicle in the event of a write-off? See What is the compensation value for my vehicle in the event of a write-off?

Can I change the insurance company that provides my funeral insurance? See Can I change the insurance company that provides my funeral insurance?