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Advanced Payments Financial Guarantee insurance

Contact us 952 88 22 73

952 88 22 73

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The law obliges the Developer to arrange either a bank guarantee or surety insurance designed to protect buyers of properties under construction who advance monies to the developer before the construction is completed. This insurance protects the buyer of a property against the risk that, if the property is not built within the agreed period, they may lose the amounts they have advanced to the developer.

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Our difference
Excellence in claims management
Always defending with the client
Clear and transparent

Developers who receive advance payments from buyers before completing and handing over the property.

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  • This type of insurance is compulsory for property development, so not only does it provide security and peace of mind for the developer, but it also complies with the regulations.
  • This insurance comes into force from the date of signing the purchase contract between the developer and the buyer, and ends after obtaining the legal documentation to hand over the property.
  • It is compulsory according to Law 38/1999 of 5 November on Building Regulations.
  • It offers peace of mind and security to the buyer NOT the developer.
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It consists of a surety insurance that guarantees the return of the amounts paid on account, plus the legal interest in force, in the event that the Developer does not comply with his obligation to deliver the property, with the corresponding legal documentation.

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You can call us directly, leave us your contact details in the contact form at the bottom of the page; or directly request a quote from here.

We will be happy to help you protect what you love the most.

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We help you with your insurance

We will be happy to help you protect everything you need in your company.

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What our customers say


Thank you for the excellent service.
A friend recommended your company to me years ago and I'm glad I listened to her advice. I have worked with quite a few companies and have rarely had a claim. However, compared to other insurance policies I have occasionally had a claim with (car, dog, ...), your service is top notch: personal service, immediate response, competence and a real personal and individual way you treat your clients.
Thank you very much


The response I received has been very professional, personalised, friendly and close at all times. I have been able to contract a product and service that perfectly suits my needs, when I was faced with several interesting proposals. A success.


All the team members I have dealt with have been professional, patient, polite and friendly. They have dealt with several difficult situations for me and have gone above and beyond to help me. Their advice and judgements have been sound and reliable, so I have always felt safe knowing that I was being well looked after. As an expatriate who does not speak Spanish, life in Spain would be much more difficult without the support of this company.

There is no doubt in my mind that I would recommend Op de Beeck & Worth for a much needed peace of mind. 


You can find us at Centro Comercial Guadalmina IV, Locales 97-98; Guadalmina Alta 29670 San Pedro de Alcántara - Málaga.

Our opening hours are:
Monday - Thursday: From 8:30 to 18:00h
Friday: From 8:30 to 15:00h.

If you would like to pay us a visit, click here to follow the google maps directions or via What3Words at ///scrimp.eraser.barring

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Phone or email

+34 952 882 273

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