INSURANCE POLICIES

My Home Santander Insurance

Protect your home against unforeseen events with an insurance policy that can be adapted to your needs.

A comfortable insurance for protecting your home

We would like to present the new Mi Hogar Santander Insurance (My Santander Home Insurance), providing you with the protection that all insurance policies should offer, at a price to suit you. An insurance with a wide range of cover¹ in all three policy types:

MY ESSENTIAL HOME SANTANDER

To protect the main thing in your home. If you are the owner or tenant of a property, you will enjoy the main cover for damages that may occur in your home such as fire, water damage, glass breakage, theft and claims for civil liability for damages caused to third parties¹ and including the 24-hour Home Assistance service¹.

MY EXTENDED HOME SANTANDER

For extra peace of mind. If you would like to add greater convenience and peace of mind at home, this option includes all the guarantees of My Essential Home Santander with additional cover such as aesthetic damage to the building, vehicles or boats in the garage, home DIY, computer assistance, acts of vandalism, theft outside the home and electrical damage.

MY COMPREHENSIVE HOME SANTANDER

For the best cover. It is our most complete option for our most demanding customers. Designed to protect, maintain and safeguard your home by adding additional guarantees such as accidental damage, aesthetic damage to the building and its contents, maintenance service and repair service¹ .

And with the peace of mind offered by the guarantees¹ of My Home Santander in all its variations:

One year guarantee on all repairs carried out by the Company.
Guarantee of 100% cover of the damage with the Sum Insured Commitment².

And there is even more, because when you take out the extended or comprehensive My Home Santander Insurance, you will enjoy our commitment to quality (3/24/48/72)³:

In cases of emergency, we will send a professional within the first 3 hours of your call. Within 24 hours the damage is assessed, within 48 hours the repair is planned and within 72 hours the repair begins.
If these deadlines are not met, the insurance company will pay you an amount equivalent to the annual insurance premium⁴.

*Offer valid from September 1 to October 26, 2021. Exclusive offer for products arranged through the digital channel, website or app. For more information on the "September 2021 Home Insurance Digital Campaign", visit https://www.bancosantander.es/en/sorteos-promociones .

Insurance policies brokered by Santander Mediación Operador de Banca-Seguros Vinculado S.A., VAT No. A28360311, through its distribution network Banco Santander S.A. Operator registered in the Registry of the Directorate General of Insurance and Pension Funds under number OV-0042. Civil liability and financial capacity covered according to current legislation. Insurance company: Santander Generales Seguros y Reaseguros, S.A. See the Insurance Companies with which the Operator has an Agency Agreement for the distribution of insurance products at www.santandermediacionobsv.com.

1. Subject to the contractual conditions of the insurance policy.
2. The calculation of the proposed sums insured for buildings and contents is made based on the information regarding the square metres of the property declared by the Policyholder. In the event of a claim, if the Policyholder has accepted the proposed sums insured for the building and/or contents provided by Santander Generales based on the square metres of the property, Santander Generales undertakes to compensate 100% of the damage caused, even if the damage exceeds the sum insured.
3. The periods indicated are subject to the contractual conditions of the insurance policy.
4. The reimbursement of the insurance premium may only be received once in each year of the insurance policy and will not be applicable to claims that do not require repair work but instead financial compensation, nor to claims that are excluded. The quality commitment will not be applicable to claims in which no compensation is due, either due to the nature of the claim or due to the wishes of the insured party. Nor will it apply to claims not covered by the policy, nor to certain guarantees detailed in the GC.

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Calculate your insurance yourself if you are a customer or leave us your details and we will contact you.

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What do they protect me against?

You can choose the type of insurance that best suits the protection you want for your home.

Cover	Basic	Extended
Fire, explosion and lightning strikes
Atmospheric phenomena
Water Water damage Finding damaged water pipes Finding undamaged water pipes Unblocking pipes	- -
Electrical damage	-
Breakages Windows, mirrors and sanitary ware Glass-ceramic stoves and counters	-
Theft Theft and robbery inside the home Theft and robbery outside the home Vandalism	- -
Loss of use of the home
Legal protection Civil liability Legal defence
Aesthetic damages	-
Vehicles and boats kept in a garage	-
Services and assistance DIY Computer assistance Maintenance service Repair service Second home cleaning service	- - - - -	- - -
Accidental damage	-	-

With very extensive services for the maintenance of your home in the Extended and Comprehensive types:

Home DIY¹: offers a range of services for carrying out DIY work in the insured property, such as hanging a picture or some curtains, installing a tap or a light, fitting a mirror or bathroom accessories, etc..
Computer assistance¹: offers support services to solve incidents involving the home computer and other devices and media, backup and recovery of the information contained in them.
Maintenance service¹: offers a series of complementary value-added guarantees aimed at home maintenance (pest control in the home and garden, preventive treatment of leaks and repair of blinds).
Repair service¹: offers a series of complementary value-added guarantees aimed at home repairs (repair of household appliances, mobiles, tablets and air conditioning equipment, technological handyman).
Second home cleaning service¹: offers a free 3 hour cleaning service each year, so all you have to worry about is enjoying your time off.

Find out more

Calculate your insurance yourself if you are a customer or leave us your details and we will contact you.

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Common questions about this insurance

What is the property and the content of home insurance?

Property refers to all the constructive and structural elements of a home, whether these are walls, ceilings, floors, or installations such as heating, water or electricity, etc.

To know exactly what the property is, we should bear in mind that this refers to all those materials that are part of the construction of a home, thus, we can distinguish between:

The main construction and its fixed installations for water, gas, electricity, telephone, solar energy, heating (boilers, heaters and radiators) and refrigeration, alarm systems and home automation facilities.
All the elements that form the structural part of the house: walls, roofs, floors, paving, plugs, etc.
Fixed decorative elements adhered to floors, ceilings and/or walls such as paint, wallpaper, fabrics, carpets or parquet.

Whereas the content will consist of the insured amounts declared as furniture, objects of special value and jewellery kept outside and inside a safe.

Is it necessary to be a Banco Santander customer in order to take out a home insurance policy?

Yes, the Mi Hogar ("My Home") Santander insurance is exclusively for Banco Santander customers.

What should I do in the event of a claim?

Contact the Customer Service Department on 902 24 48 72. Report the incident in your home and they will send the people you need.

Can I be insured if I am only a tenant?

Certainly, it is possible to take out a household policy as a tenant.

With the aim of providing cover for small claims that affect the building without having to resort to the owner, we offer insured tenants who only take out Contents cover, a First Risk Building cover of up to €3,000¹.

I have caused damage to my neighbour and I do not want to cause any more inconvenience

Within 24 hours of you contacting the Assistance service, a professional will come to your home to assess the damage. In the case of urgent incidents, a professional will come to your home within 3 hours of your call.

What is the difference between burglary, robbery and theft?

Burglary is the misappropriation through acts that imply force or violence in things.
Robbery is the misappropriation through acts that imply force or intimidation in people.
Theft is misappropriation through acts that do not imply force or intimidation on things or people.

In the event of a claim, it is necessary to file a report with the police detailing the stolen objects and their value.

What area of the property should I include in the policy to be correctly insured?

All the built area of the house, the garage and storerooms should be insured.

The Insurance Company will help you in obtaining this, using the address, directly from the Catastro (Land Registry).
If this does not exist or it is impossible to obtain it, you will have to provide it, including all those areas that may form part of the Buildings, including the house, garage and storerooms.
When doing this, bear in mind that the insurance does not cover the usable square metres (i.e. the "walkable" area of the house, including the wardrobes) but rather the constructed square metres (usable area plus "non-walkable" areas, partitions, walls, pillars, etc.).

Find out more

Calculate your insurance yourself if you are a customer or leave us your details and we will contact you.

INSURANCE CALCULATOR

WE WILL CALL YOU

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