As has been previously remarked on the forum we are now all covered under Milenium's buildings policy through AXA.
With our apartments B&C insurance through Intasure up for renewal thought I'd share details.
The Milenium AXA policy covers:
What do we consider The Building?
The whole of the main construction: foundations and walls, ironworks,
beams and pillars; inner partition walls, ceilings and floors; roofs and facades;
doors and windows.
The accessory constructions: built-in closets, fireplaces and glass enclosures.
The outbuildings and additions that are in the same physical site of the constructions
described in the policy such as garages, storage rooms, firewood
storage and wine cellars.
Fences, enclosures and wire fences, dependent and independent from the
insured building which function is to enclose or contain the land within the
compound.
Leisure and sports areas, including the additional facilities annexed such as
swimming pools, etc., which use and enjoyment is derived from the ownership
of the home.
In-built fixtures: Such as
Water and gas, power, radio and television antennas, telecommunications
and solar power.
Heating and cooling works including boilers, room heaters and cooling
devices installed in a permanent manner.
Sanitary elements.
Blinds and canvas awnings.
Decorative elements, such as false ceilings, carpets, wall paper and cloth coverings
and wood paneling that are permanently adhered to the elements of
the main, accessory and annexed constructions. In case of Horizontal
Property type constructions, the decorative elements are those included in
the corresponding proportion of the common elements, provided the common
insurance policy acquired by the co-owners has insufficient coverage or
if there is no common insurance policy.
The elements not included in the concept of Construction are:
- Furnishings and its accessories, such as kitchen implements, even if
these are installed in a permanent fashion.
- Exterior pavement and street lights.
- Trees, plants and lawns.
Our renewal for a 3 bed on Naranjos was about £167 - when stated we now only wanted contents this was reduced to £104 (not as big a drop as I thought due to minimum policy prices)
Quote through Milenium/AXA 69E - a decent saving and the policy looks ok
Just thought I'd share.....
Brett