Latest situation re floods in Callosa de Segura

Tell everybody this please:

Hi 

FLOOD DAMAGE and INSURANCE

CARS and insurance for flood damage

Just in case you do not already know, if you have fully comprehensive cover on your car you are paying a small amount each month to the Consortio. The Insurance will not pay for your car repairs for the Gota Fria but the Corsortio will. You need to make a claim with the Consortio. We only found this out when we were caught out in the last Gota Fria earlier this year when our car was water logged. The Consortio paid out - we had no problem.

HOUSE and insurance for flood damage.

Exactly the same applies as above. If you have House and Contents insurance you are also paying a small amount each year to the Consortio, so you make your claim with the Consortio - as same as you would for the car above.

Need any further advice come back to me and I will look up details of our claim with the Consortio so that you have telephone numbers, addresses of where to claim etc., BUT your Insurance Company should help you with the relevant claim - must add here ours did not help us, but another insurance company did. Hence we changed insurance companies when the car insurance ran out.

Good luck, Remember, if you are insured you are covered, do not accept that you are not, you are paying the Consortio every month so you are entitled to claim.

If you are not insurance, sorry I cannot help you.

Hi Jan,

I have been trying to put the message below on any Quesada forum as an Announcement but I do not think it will let me do that as the Announcements seem to be made via yourself.  Can you please arrange for the message below to be inserted as everybody needs to know that if they have insurance they can make a claim via the Consortio.  Their insurance company will probably tell them they will not pay - this happened to me but I did not give in.

FLOOD DAMAGE and INSURANCE

CARS and insurance for flood damage

Just in case you do not already know, if you have fully comprehensive cover on your car you are paying a small amount each month to the Consortio. The Insurance will not pay for your car repairs for the Gota Fria but the Corsortio will. You need to make a claim with the Consortio. We only found this out when we were caught out in the last Gota Fria earlier this year when our car was water logged. The Consortio paid out - we had no problem.

HOUSE and insurance for flood damage.

Exactly the same applies as above. If you have House and Contents insurance you are also paying a small amount each year to the Consortio, so you make your claim with the Consortio - as same as you would for the car above.

Need any further advice come back to me and I will look up details of our claim with the Consortio so that you have telephone numbers, addresses of where to claim etc., BUT your Insurance Company should help you with the relevant claim - must add here ours did not help us, but another insurance company did. Hence we changed insurance companies when the car insurance ran out.

Good luck, Remember, if you are insured you are covered, do not accept that you are not, you are paying the Consortio every month so you are entitled to claim.

If you are not insurance, sorry I cannot help you.

Good luck,

Hi, I don't have insurance and I AM VERY LUCKY I was not affected even though my apartment is in Almoaradi. However after all this terrible flooding I am now looking for insurance and would like to know which one you

changed to please, the one which you said is very helpful.  Also please can you explain why the insurance companies are not paying out on properties damaged by the floods but the consortio is? Much appreciated Diane

Hi Diane,  We changed to Liberty Seguros in the square in Montesinos, would recommend them and not too expensive but you have to have fully comprehensive insurance for the car to be paid out.

When you pay your insurance there is a small amount taken out for the Consorcio.  I did not even notice it until I had to claim from the Consorcio.   When there is a catastrophy like we have just had the Insurance companies do not need to pay as the Consorcio in Madrid pays on a national catastrophy, hence the small amount of money we pay as there is not normally a nationa, catastrophy.  We have been here 19 years and this is only the third Gota Fria we have had.   So if you are taking out insurance ensure you have fully comprenhensive insurance, we have even though the car is 14 years old.  I would not put a car on the road without fully comprehensive insurance.  Good luck, hope you now understand.