This is the conclusion of research recently conducted by GLOBAL ACTUARIAL and INESE through mystery shoppers who contacted 28 insurance companies and banks that sell insurance in Spain. They analysed the premiums and cover for Life Assurance sold by banks and insurance companies. The reference point they used for comparison was life and total disablement cover for
According to the latest data from Kelisto, 2013 saw the highest level of burglaries since this index began to be measured in 1998. Málaga is a clear example: during the first half of 2013, 2,612 burglaries were reported, 12.4% more than the same period in 2012 and the highest burglary figure recorded since 1998. Due to the
The death of a loved one is a very sad and troubled time when you also have to deal with countless arrangements including the burial, the funeral and bureaucratic procedures. Added to this, very high costs start to pile up if you are not covered by insurance. For people who live abroad it is even
Just 19% of companies in Spain have taken out Directors and Officers Insurance; yet we are living in an especially complex and demanding environment in which customers, suppliers and employees expose officers of companies large and small to risks and claims. New digital environments, constant changes to laws and regulations, an unstable economy and the need to
According to the Third Hiscox DNA of an Entrepreneur Study, based on a sample of 3,000 SMEs in Europe and the United States, three out of ten Spanish SMEs only take out basic compulsory General Liability Insurance and only 28% take out Professional Indemnity Insurance in Spain, compared with 70% in France and 50% in the UK. 19%
Are you your company’s administrator? Have you ever thought about setting up a savings fund to cover your outgoings when you retire? We are launching the ideal plan for you, the Administrators Plan: brand new savings insurance for company administrators and partners who have effective control. Experience shows us that administrators and partners do not usually retire
The Government Decree 16/2012 from 20th April amended the insuree’s condition in the Spanish health system. Some countries – for instance Russia or China – require proof of a health and repatriation insurance in order to obtain a visa for entry into Spain. At Op de Beeck & Worth we provide tailor-made insurances to cover
Have you ever considered the responsibility which Presidents and Boards of Communities of Owners take on, and the consequences of their actions? Has anyone ever made a claim against you for failing to act with due diligence? Claims from unpaid creditors, breach of trade agreements, data protection, inappropriate investments, poor management, failure to comply with
Did you know that one out of eight women is diagnosed with Breast Cancer? Just in Spain, there are 20.000 new cases of breast cancer diagnosed every year. On a global level there is a yearly increase between 0.7 and 1.6%… Also, breast cancer is becoming more and more frequent amongst young woman; according to the British Cancer
Some tips, rules & regulations related to driving in Spain: Spain has strict drink driving laws, only allowing 0.5 milligrams of alcohol per millilitre of blood – stricter than the UK where the limit is 0.8. New drivers are effectively forbidden to drink and drive, with a very low 0.1 mg/l limit. Seat belts front
