Coinsurance is a formula frequently used by insurance companies. Although some of the different types of coinsurance may seem complex to people outside the insurance world, the truth is that, if they are explained well, they are relatively easy to understand. And that is precisely what we are going to do at Euroteide Seguros, explain…
Within the world of finance and investment, there are different financial products that allow you to generate income, finance projects or cover different types of risks. At Euroteide Seguros we offer comprehensive advice on Insurance, savings and investment products. That is why we know how important it is to know what a financial product is and what the main ones are. What are the main ones?
There can be many things that home insurance covers and we don't know what it covers. It all depends on whether our policy is basic or, on the contrary, it is a policy with complementary coverage or a very complete premium policy. And what are those home insurance coverages that are not common, but can be covered by our insurance?
Spain is one of the countries with the greatest facilities to start a successful and profitable business in Europe. That is why, at Euroteide Seguros we tell you which are the 5 most profitable businesses today. If you are looking for insurance solutions for your business or have questions about risk management, we have insurance services…
Knowing whether a retiree can set up a business is essential for those who, despite having finished their working life, want to continue being productive and taking charge of an economic activity. In any case, it is always advisable to have good advice on everything related to entrepreneurship.
Within the investment products segment, there is one that has begun to stand out especially in recent years. This is unit linked, a savings insurance that offers high profitability and is tough competition for traditional style investment funds. If you want to invest in this or others...
Outsourcing is a fairly common phenomenon in many business areas. But what happens in these cases if an employee of the subcontractor suffers damage during the provision of services and has the right to receive compensation for it? Is the company that has subcontracted the service responsible for it, or should…
The experts in cars, motorcycles and personal mobility vehicles at Euroteide Seguros – (Insurance Advisors and savings and investment products) – receive, quite frequently, phone calls in which interested parties ask us if it is mandatory to have scooter insurance. electric. So in the following lines we are going to fulfill…
Knowing the best investment funds is the first step to growing the profitability of your savings in 2024. If you don't want to see inflation reduce your purchasing power little by little as time goes by, it's time to put your money to work and give returns. At Euroteide we are…
If you are wondering what a reverse mortgage is, it may be because you have heard about this topic quite frequently lately. It is a completely legal figure that allows those who own a property to access a new source of liquidity, with more monthly income. As experts in…
When clients who are around 65 years old ask us for information about savings or investment insurance products, at Euroteide Seguros (Insurance Advisors and savings and investment products) we usually suggest, among other alternatives, the contracting of annuity insurance. From our professional point of view, Life Annuity Insurance…
Fleet Insurance is not only necessary for companies, but it also provides great peace of mind, knowing that they will be protected if one of their vehicles suffers an accident. At Euroteide Seguros we are specialists in insurance advice, so if you have any questions about this type of policy, you can contact…
There are many hoteliers in Tenerife and Gran Canaria who trust Euroteide Seguros (Insurance Advisors) when it comes to protecting their businesses against any type of unforeseen event or incident. In this sense, Insurance for bars must include some coverage that is mandatory. Others are not, but, under our…
Taking out family health insurance is a decision that should not be made without first carefully weighing a considerable number of factors. In the following lines, with the help of our advisors specialized in private health insurance from Euroteide Seguros (Insurance Advisors), we are going to explain to you what this type of Insurance is,…
Social awareness about pet ownership and care has changed a lot in our country in recent years. The data speaks for itself: according to official statistics, in our country there are 9,3 million dogs in homes, a figure that has increased by almost 40% in the last three years. Without…
When we manage the processing of reports of claims that occurred in the flats or semi-detached houses of our clients, in the offices of Euroteide Seguros, Asesores de Seguros, we observe that many owners or tenants are not clear if certain damages have to be covered by their Insurance of home or by the Insurance of the…
The figure of cyclists on the road is one of the most complex. Because, frequently, neither the athletes themselves nor the rest of the drivers know exactly what behaviors they should put into practice, and this implies a risk. Whether you are a cyclist or a driver, the first thing we advise you is that before getting on…
Driving without car or motorcycle insurance is an action that can have serious consequences for you as the person responsible for the vehicle, but also for others if you have an accident. However, it must be taken into account that there is a big difference between the car not having any type of insurance, and…
When contracting insurance, whatever the type, it is important to know the ins and outs and vicissitudes of the contract. Only in this way will we avoid unpleasant surprises when making use of the coverage of our Insurance policy. It is therefore essential to know what the grace period of a…
Considering how much a cremation costs without insurance, interest in the advantages of having life insurance has been increasing in recent years. And it is that, according to the data of the Organization of Consumers and Users (OCU), dying can be very expensive. From Euroteide Seguros, we usually influence the…
Many buyers wonder, on a day-to-day basis, if home insurance is mandatory when renting or buying a home. It is a complicated subject with nuances that can cause problems, so today we will tell you all the details about home insurance and its links with…
Vacation home rental is a more than profitable activity. However, there are many regulatory requirements so that the owners of this type of housing can obtain this high profitability legally. Among the requirements required by some autonomous communities is that the holiday home to be rented has…
The concept of return insurance is unknown to many users who have never heard of it before. At Euroteide Seguros, thanks to our almost 3 decades of experience in the insurance field, we help our clients every day to find answers to these concepts for which they need expert advice. We are prepared for…
As mediators specialized in automobile insurance, at Euroteide Seguros we have extensive experience in processing side effects. The side collision is distinguished because, in most cases, it usually causes serious injuries. We are going to explain to the reader what is meant by this type of coup, who is to blame in…
Carrying out a professional performance as a self-employed entrepreneur offers many advantages: not having superiors, organizing your time freely, developing your business idea in a personalized way... However, this work model also implies a series of responsibilities with respect to partners, suppliers, customers and Treasury. To avoid any problems with them, it is important to have…
At Euroteide Seguros we always try to make sure that the declared values of the continent and the content of a Home Insurance faithfully adjust to reality. And it is that, in the event of an accident, the insured may have serious problems if these declared values are lower than the real ones. For the…
A very common belief among people outside the insurance sector is that it is not possible to contract health insurance for people over 65 years of age or that its price can be stratospheric. However, this is not the case at all: at Euroteide Seguros we have specialized advice for medical insurance with affordable premiums and especially…
They may have told you about or you may have seen civil liability coverage in Home Insurance in the policy. Although it may not seem like it, it is essential that you include this clause for the protection of incidents against third parties. Let's see what civil liability is, why it is important and what it covers in…
No one wants to find themselves in a situation where their home is engulfed in flames, but just in case it does happen, it's important to know what to do in the event of a fire. We give you the necessary guidelines in the event of a fire in your home and we explain the coverage of your Home Insurance in the event of this type of accident that is so common...
If you have had medical problems or know someone who has, you surely know the importance of having health insurance. With it, the possibilities of attention will be expanded and the agility in waiting times will increase considerably. If you are interested in health insurance and need advice or want to contract…
More and more people are encouraged to sell online and start a successful business online. Despite being one of the most interesting business options today, online businesses require a series of requirements in order to be carried out legally and optimally.…
At Euroteide Seguros we know well that the main reason for taking out insurance is to invest in peace of mind in the face of possible unforeseen events, as well as to guarantee your family a decent standard of living in the event that something happens to the insured. In addition to that, a good Insurance offers us…
The question of how much a self-employed person earns on sick leave is very recurrent in our country, since this type of professional receives a somewhat different treatment from that of an employee. While the latter can be replaced in their work, a self-employed worker completely cuts off his activity during the drop in…
At Euroteide Seguros we receive frequent queries from drivers requesting information about their right to a replacement car in the event of a breakdown or accident. Unfortunately, the truth is that there are not many cases in which the insured is entitled to receive this benefit from the manufacturer or the insurer.…
An investment fund is formed when several investors join their capital with common objectives, all of them related to obtaining profitability. It is a commonly used modality, since it is a method to access markets that, investing individually, would be unfeasible. Therefore, it is important to know how to calculate the profitability of a…
Most people have home insurance that covers possible claims that cause damage to the home. However, sometimes the repair does not arrive when it should. We are going to see what is the term to cover a repair and what to do if the insurer does not answer or repair within the term. Yes…
In our country, a large number of people have contracted Life Insurance among their Insurance, either because they want to be insured in the event of death or because some of the banking products they use require having contracted one of these products. To answer common questions such as “I have taken out insurance and…
In our day to day there can be many difficult situations that we try to protect by contracting insurance policies. The doubts in relation to the Insurance that most people have contracted are frequent and in many cases they do not know where to go to solve them. One of the problems that can arise...
We are lucky enough to live in a country with a long life expectancy, although that poses a problem: it is no longer a matter of having many years, but of living them well. For this reason, the terms healthy aging and active aging have appeared, widely used among health personnel and caregivers of dependent people. Get older…
If you have been in an accident and are injured, you may have questions about possible rehabilitation and who will pay for those sessions. If you need a good Insurance with extensive coverage or you want to have the best advice, at Euroteide Seguros we can help you, we are specialists in all types of Insurance and savings and investment products and…
The market value of the car is a term that you have probably heard or read on your insurance policy. It is a concept that not everyone knows and that is of great importance when it comes to insuring the car. If you want to know more about the market value of a ...
Among all the Insurance and financial products on the market, Life Annuity Insurance is a very interesting option, which can be incorporated into Life Insurance. If you think this option may be interesting for you, you should contact specialists to advise you, such as Euroteide Seguros to make sure you have the ...
Spanish legislation is strict, so that everyone who owns a motor vehicle is obliged to take out civil liability insurance, even if the car is not used frequently. The reason for the obligation of the Third Party Insurance is that the owner of the car can respond to the ...
Above all, the youngest tend to perceive their retirement time very far off. However, we should not underestimate the savings for this time. Without a doubt, it is a mistake to leave the saving process for later, since it is much easier to save little by little and gradually and calmly. This…
If you are looking for a financial product with the aim of saving or obtaining profitability in the short, medium or long term, it is best to contact professionals who can help you find the most suitable product. At Euroteide Seguros we can advise and help you to choose the best option for you, always being by your side ...
After the eruption of the La Palma volcano in the Canary Islands, there are many damages that have occurred not only in homes, but also in industries, premises or cars. These damages will be covered by the Insurance Compensation Consortium, since, although we have subscribed an Insurance ...
When hiring any insurance, from home insurance to health insurance, it is essential to know well all the details of the contract. However, the nomenclature used in the insurance world is usually very complex, especially if we are not used to using it. Therefore, the best ...
When we access a mortgage loan, we are aware that we are committing to pay certain amounts to the bank over a long period of time, which will normally be longer than two decades. But perhaps we do not realize that, in the event of death during the loan repayment period, our family members ...
One of the chapters of expenses that must be anticipated when starting a business adventure is that of Insurance. At the beginning of any economic activity, income is usually low, so it is convenient to know which Insurance is really necessary and which are those that we can do without initially. In…
In recent years, drones have become much more accessible, as more and more people are interested in using this technology. Obviously, there are different types of drones so their applications are diverse. But it is good to know that in January of this year 2021 a new regulation entered that affects ...
One of the most common problems that we can find in our home is encountering the dreaded wood insects. In these cases we tend to get very nervous and not know exactly what is the best solution for this problem. First of all, it should be reviewed in what state the pest is and what ...
Maybe you think of a motorcycle and are clear about what it is, but what is a moped? A moped is a vehicle with an engine with a displacement of less than 50 cc and powered by gasoline and with a maximum speed of 45 km / h that can have 2, 3 or 4 wheels while a motorcycle is ...
The Insurance policy is the document or set of documents through which the Insurance contract is formalized. This document is made up of the general conditions of the Insurance policy, as well as the particular conditions of the contract and the supplements or special conditions that the Insurance company will agree on ...
The legislation in force in Spain obliges Spaniards to subscribe certain Insurance, such is the case of compulsory car insurance or home insurance linked to the mortgage. However, the world and the terminology of Insurance is very complex. Therefore, it is essential to be clear about certain key concepts before ...
Sometimes a claim not only causes direct damage, but also future economic losses or damages. This is lost profits, and it is essential to know what lost profits is. It is important to have a good insurance that covers, in addition to the consequential damage, the lost profits. For this, the best thing is ...
Although gas installations are usually quite safe. However, this does not mean that there cannot be gas leaks that could compromise the safety of our home. It is therefore essential to know how to detect a gas leak at home and how to act in the event of one. In case of…
Leaving the house for many days on vacation is unavoidable and, in many cases, can pose a risk of burglary at home. In fact, theft in homes accounts for 50% of all thefts on private property in Spain. Of all the thefts that occur in private buildings, 35% of ...
Constructing a building, although it usually carries great benefits, also carries significant risks. Undoubtedly, construction is an activity from which it is relatively easy for accidents and claims that may affect a third party. That is why the vast majority of construction companies require Insurance ...
The only sure thing in life is death, a trance that, sooner or later, we will all go through. That is why there are many who try that this unpleasant event does not imply an economic burden for their loved ones. It is this issue, together with the cost of the funeral insurance, which ...
Starting your own business is a difficult and bumpy road that, when it goes well, is tremendously satisfying. Without a doubt, being self-employed is quite an adventure, since to the many hours that you have to work there are added the multitude of obligations, both fiscal, administrative and accounting, that the ...
It is very common for adults between 35 and 40 years old, especially those who have dependents, consider taking out life insurance. In this way, those who want to change their Life Insurance beneficiaries will have the financial resources to face the death or total and permanent disability of ...
Having a child is, without a doubt, one of the most important and enriching experiences in the lives of those women who decide to become mothers. In fact, pregnancy is one of the biggest concerns for women and one of the most important reasons why they decide to take out Health Insurance. No…
Traveling has become a hobby for thousands of people around the world. The low cost of air tickets, the ease of finding offers thanks to the Internet and the notable improvement in means of transport have made us regular tourists who take advantage of any occasion to escape to a country ...
When sports are practiced, especially those that are classified as risky activities, it is entirely probable that, sooner or later, we will suffer a sports accident or an injury as a result of the physical activity carried out. It is therefore of great importance to have a good insurance that covers these sports accidents and possible risks ...
Car insurance is not only mandatory, but it is highly recommended, since it covers possible damages that may occur as a result of an accident to third parties and even to the vehicle. Therefore, it is essential to hire the car insurance that best suits our needs and that of ...
There are many Spaniards who are concerned about their retirement and the requirements that must be met in order to access this Social Security benefit. In addition, in this scenario of economic recession, and jeopardizing the pension piggy bank, there are many who choose to hire financial savings products at ...
Everything related to taxation and taxes is usually something quite complicated for citizens, who tend to be quite unaware of current regulations and the possible deductions they can make on their income tax return. For this reason, it is important to know and understand what is tax deductible in income, ...
Our home is full of risks and dangers, especially for the smallest of the house, but also for adults. In fact, domestic accidents are the fourth leading cause of death in the European Union behind cancer, heart disease and cardiovascular disease. Without a doubt, our house is the place ...
There are many who, once they take out Life Insurance, do not share this decision with anyone, not even those closest to them or even the beneficiaries of said Life Insurance. Therefore, it may happen that, in the event of the death of the insured, no one knows that he contracted life insurance. This is especially ...
When hiring civil liability insurance, it is essential to take into account locative civil liability, since there are many civil liability insurance that do not necessarily include this clause, which makes this type of clause largely unknown to professionals who decide to start their activity ...
Saving for the future guarantees us a quiet retirement. There are many who decide to save for this moment and that is why it is not surprising that we can find an infinite number of savings products in the market for retirement. One of those products is Life Savings Insurance, a good alternative that ...
Although pension plans are the star savings products and are chosen by thousands of Spaniards to save some money for their retirement, the truth is that few savers are aware that pension plans are susceptible to being transferred, as is the case with funds ...
The world of Insurance is quite complex, so it is completely normal to feel a little lost the first time you look for information about Insurance. Although almost all of us know what a third party or full risk insurance is, not many know what an insurance with excess is. It is important to know this well ...
Although the majority of Spaniards believe they are responsible behind the wheel, the truth is that there are various studies that ensure that their bad driving habits include exceeding the speed limit, not respecting the safety distance or forgetting to turn on the turn signal when performing any maneuver . These kinds of bad habits and ...
When we suffer an accident with the car, it is necessary to notify the insurance company by presenting an accident report. Despite the bad drink, it is, without a doubt, a good opportunity to test our insurer's response. It is best to subscribe a good car insurance that has a wide coverage. For…
Parents usually lend the car to their children when they approve the driving license. It is normal for children to use their parents' car, even occasionally, to, for example, take a trip with friends or run errands in the city. In these cases, is it necessary to include the child in the ...
When we want insurance, we often do not know whether to contract it through an insurance broker or directly negotiate it with an insurance agent of the insurance company. However, the difference between both options is fundamental, not only in the budget of one and the other, but also when making use of ...
In the era of the Internet and high technologies, the mobile phone and the computer have become indisputable companions of our day to day life and essential tools for work or study, to communicate with other people and to inform ourselves about what is happening in the world. However, even though they are ...
In all Neighborhood Communities, accidents and incidents occur that, although they do not happen daily, can cause significant damage that will lead to the corresponding spill. In fact, according to data from UNESPA, the Spanish Union of Insurance and Reinsurance Entities, buildings suffer: Once a year a ...
When we think of contracting insurance, of whatever type, we often do not know whether to contract it through an Insurance Advisory or directly with an insurance company or with the banks where we have our checking or savings account and that constantly pressure us for hire them through them. Thus,…
The self-employed live by and for their business, but what happens if they get sick? Or if they have an accident? If you are self-employed, you have to read our article on essential insurance for self-employed; it will help you protect yourself against any unforeseen event ... Without a doubt, and although we must all take into account the importance of ...
Insurance is a product that we all hire at some point to protect our family, our home, our car or our business. Although some are mandatory, many of these insurances, such as life insurance, are voluntary, although many decide to subscribe to have their backs covered. However, despite ...
A life insurance is, without a doubt, a good investment that will allow your family to be in the most beneficial situation possible if you become disabled, total and absolute incapacity to carry out your work or in the event that you die. Thus, Life Insurance is emerging as a great guarantee for ...
There are many who, given the long queues and waiting lists that must be suffered in Public Health, decide to get a private health insurance that saves them time when requesting a medical appointment. However, in the market we find a great offer of Health Insurance, so that ...
Saving for future retirement has become a great concern for Spaniards, who, seeing the pension piggy bank in danger, have decided to use long-term savings products. These products allow them to ensure supplementary money to the retirement pension they will receive from Social Security, the ...
If you are dedicated to the hospitality sector and work in Tenerife, you should know that to carry out your professional activity you are required to take out civil liability insurance. This is so because, according to our Civil Code, any person who, in the development of any activity, causes damage to a third party is obliged ...
Currently in Spain there are more than 3 million self-employed according to data published by the Ministry of Employment and Social Security last December. This confirms a radical change in the labor market in Spain that entails a series of peculiarities that must be taken into account, and that is that being self-employed entails ...
Every day more people are looking for financial products that help them save and increase their assets given the uncertainty that affects the stability of the pension system in Spain. For this reason, at Euroteide Seguros, we not only offer life, car or home insurance; rather, we complement our catalog with financial products such as ...
The end will come for everyone one day and to be able to be prepared and be able to offer security to your loved ones, it is best to have a consultancy that cares about your interests. If you are one of those who cares about yours, even when you can no longer be, the best solution is to tell ...
There are many people who think that life insurance is an economic compensation that the family has, when the owner of the insurance has died. Although this is partly true, it is only one of the many characteristics that life insurance has. In…
Despite the fact that health insurance is quite popular, it is only those who enjoy it, those who are aware of all the advantages that they imply. Good proof of this is that, once a health insurance has been contracted, more and more family members are those who, motivated ...
Dental Insurance is the most requested tools in recent years to save money and prevent oral problems. For this reason they include some of the treatments for free, as well as a great number of advantages that are worth considering. At Euroteide Seguros (Insurance Advisors) we will help you choose the best policy ...
More and more people decide to take charge of their own business and are encouraged to be part of the business network. Being autonomous is not easy and therefore, it is best to be able to count on as many help as possible. In this article, we are going to look at some reasons why ...
Know the importance that it has, especially for the Self-Employed Entrepreneurs and small Companies, to have a Multi-Risk Retail Insurance, for your business or office, restaurant, bar, or hospitality business
os 'Unit Linked' (the Spanish translation would be a diversified insurance fund or basket of funds), is an English word that means “linked to units of account”, although they are also called or defined as “those Insurance in the that the policyholder assumes the investment risk ”. In any case, whatever the chosen translation, they are no more or less financial products that allow you to channel and diversify future savings.
It is important to emphasize and emphasize that the habitual and abusive practices and that they diminished or diminished the rights in the hiring of Insurance linked to the mortgage are limited. From now on it will be the one who has applied for the mortgage who will be able to freely decide and choose the Insurances according to market conditions, and the financial institution cannot in any way modify the conditions of the loan.
Every day more people use their second home to rent it during vacation periods. It is a great way to take advantage of this property and a practical way that will even help us to have an income and cover the expenses generated by the apartment.
How to collect Life Insurance for absolute permanent disability?
If you declare the absolute permanent disability of the holder and or beneficiary of the policy, the first thing you must do and as soon as possible, notify the insurance company, accompanying this notification with a certificate of disability issued by the National Institute of Social Security.
If you have had or are having a claim, it is important to know that the compensation you will receive from your company is not random. Different criteria and variables will be taken into account according to the policy you contracted. In other words, the insurer will compensate you justly by evaluating the damages that have occurred and based on the capital insured in your policy.
At Euroteide Seguros (Insurance Advisors) We know that the death and death of a loved one is something that knocks us out and is one of the most difficult situations to assimilate and overcome
The General Data Protection Regulation, known as GDPR, which gives citizens of the European Union (EU) more rights to control their personal information came into effect a few months ago. May 2018. Euroteide Seguros, has access to many different forms and sources of personal data, ranging from information that is ...
First of all we want to emphasize what “sinister” means. We are aware that the language used by insurance companies is often not easily understood. When insurance companies speak of "loss" they refer to any incident for which the insured is entitled to compensation from ...
Management of fines. Notification, payment and appeal, if we have not paid the fine and we have decided to claim by filing the Statement of Allegations, what is happening now?
You have always wanted to have your own car, now you have finally achieved it and you are looking at the best insurance for it in Euroteide Seguros, but there are several administrative procedures that you will have to do with your car that you may not know about. Therefore, we will try to give you some guidelines of some procedures that you may have to carry out with your ...
The points card has been in operation in Spain since July 1, 2006. We have been with it for almost six years, but do you really know how it works? How many points do you start with? If you have had the card for less than 3 years => you start with 8 points If you have had the card for more than 3 years ...
When one of the children of an insured person obtains a driver's license and the latter intends to use the holder's vehicle occasionally, the following dilemma arises within the home: what to do? The alternatives that are normally presented are three: Include you as a driver in the policy Include you as an occasional driver No ...
Did you know that 3% of accidents are caused by pets traveling in cars?
This information is provided by the DGT, always concerned about safety and pets, we give you a series of tips to protect your pet.
Depending on the type of incident occurred, the necessary actions must be taken to minimize the consequences and economic damages that may arise from it. Below we provide a series of recommendations and guidelines to proceed in each case.
The compensation that victims of traffic accidents receive is an unclaimed right in many cases. The desolation that surrounds a person who has suffered a road accident, the fact of focusing all efforts on recovery or the belief that the process is long and expensive causes many people to renounce this right.
A great advantage that more and more insurance companies offer is that of a replacement vehicle in certain cases and, of course, always for a limited time depending on the duration of the time in which the accident, theft or breakdown is corrected; guaranteeing the mobility of the insured.
If you are sure that your car has been stolen (check that it has not been taken by the tow truck, which sometimes happens), you have to file a report with the nearest police station. Subsequently, you will have to inform your Insurance Agent (Euroteide Seguros) by sending them a copy of the complaint filed.
