Groupama Seguros Home Insurance.

Hi,

Does anyone have any experience with this home insurance? My Bankia agent sold this insurance to me.

My water boiler caused water damage to my neighbours downstairs. I reported the case on January 2012. The adjusters have visited the two apartments below . They said they are going to repair them within 10 days. Meanwhile it has been over 3 weeks and nobody comes. Please help.

Hiya Esther

I have insured my house and contents with Groupama for 8 years.   They are a big company - I believe in the top 10 of insurers.  Unfortunately I did have to make a major claim in Sept 2009 when my property flooded badly after the Mar Menor area suffered with the Gota Frio.  I have to be honest I did find them very helpful and although the local govenment/consortium took responsibility for all the claims - as a go between they were able to advise and assist.  They did originally organise the assesors who helped me with the paperwork that I had to submit.  I was eventually re-imbursed after 4 months.  If I was you I would chase them along a little.

I hope it works out for you.

Good luck.

Sandra.

Hi Ester,

With respect, your approach may be wrong.   In simple terms, your home insurance covers your property - your neighbour should claim on their insurance.  You seem to be assuming that the public liability section of your policy should kick-in and your insurers should automatically pay the bill.  It doesn't work like that.

As in most things in Spain there are some curious practices, so you may be successful, but I doubt it.  Your neighbour should claim off their policy and not involve you or your insurers.

I don't know the full details, but as a general legal principle you are unlikely to be held liable for the incident outlined either in UK or Spain.   So from Groupama's point of view why should they pay for something for which you are not liable ?  Clearly they have misled you and their communication skills are lacking, but that's just the Spanish way.