Generali Community (Comunidades) Insurance Policy Conditions (English Translation)

Information Clause ↑ top

This clause fulfils the insurer's duty to inform the policyholder and the insured under Article 96.1 of Law 20/2015 (on the organisation, supervision and solvency of insurers and reinsurers) and Article 122 of Royal Decree 1060/2015.

Name, legal form and registered office of the insurer: GENERALI España de Seguros y Reaseguros S.A., registered office at Pl. de Manuel Gómez-Moreno 5, 28020 Madrid; NIF A48037642; Madrid Mercantile Registry, sheet M-377257.

Supervisory authority: control of the insurer's activity corresponds to the Ministry of Economy, through the Directorate-General for Insurance and Pension Funds (DGSFP).

Complaints & how to proceed: the insurer provides a Claims & Complaints Service whose rules can be consulted at www.generali.es. Policyholders, insureds, beneficiaries, injured third parties or their successors may submit complaints in writing — stating their personal details, signature, address, policy or claim number and the facts — to the Claims & Complaints Service, GENERALI España de Seguros y Reaseguros S.A., Pl. de Manuel Gómez-Moreno 5, 28020 Madrid, or by email to reclamaciones.es@generali.com. The Service operates independently, acknowledges receipt and must resolve, with reasons, within a maximum of two months (under Law 44/2002 and Order ECO/734/2004). Its decisions are binding on the insurer. If two months pass without resolution, or the complaint is rejected, the interested party may take it to the DGSFP Complaints Service (Paseo de la Castellana 44, 28046 Madrid; www.dgsfp.mineco.es) — all without prejudice to the right to go to the competent courts at any time.

Applicable law: this insurance contract is governed by Law 50/1980 of 8 October on Insurance Contracts (which is not mandatory where the contract qualifies as a large-risk insurance under art. 11 of Law 20/2015), by Law 20/2015, by RD 1060/2015 and developing rules, and by the terms of the contract, its annexes, supplements and appendices, the insurance application and the risk-assessment questionnaire signed by the policyholder — a fundamental document on which the insurer's consent and the policy terms are based.

Preliminary Article — Definitions ↑ top

The following terms have these meanings throughout the contract.

1. General concepts

• Insured (Asegurado): the natural or legal person who owns the insured interest and who, in the absence of the policyholder, assumes the obligations of the contract.
• Insurer (Asegurador): the legal person assuming the agreed risk — GENERALI España de Seguros y Reaseguros S.A.
• Beneficiary (Beneficiario): the person who, by assignment from the Insured, becomes entitled to the indemnity.
• Insured property (Bienes asegurados): the property under the headings Building (Continente) and Contents (Contenido) in the Particular Conditions where a sum has been contracted for them.
• Sum insured (Capital asegurado): the amount in the Particular (or General) Conditions representing the maximum indemnity Generali will pay for a covered claim. Unless agreed otherwise it corresponds to the total value of the insured property; the absence of a sum for an item means that item is not covered.
• Cover (Cobertura): the benefit provided under the policy when a claim affects one of the contracted guarantees.
• Bodily/personal injury (Daños corporales): death, injury or any impairment of a person's physical integrity.
• Material damage (Daños materiales): destruction, deterioration or disappearance of the insured property at the location described in the policy.
• Unoccupied (Desocupación): the period during which the building is neither lived in nor slept in.
• Employee of the insured: a natural person directly hired by the Insured to work in the insured building for remuneration and registered with the General Social Security regime (cleaning, gardening, maintenance, security and similar duties).
• Explosion and implosion: sudden, violent actions of the pressure and/or depression of gas or vapours, inside or outside the building.
• Excess (Franquicia): the expressly agreed amount deducted from the indemnity for each claim.
• Petty theft (Hurto): taking of the insured property by third parties without force on things or violence/intimidation on persons.
• Fire (Incendio): combustion with flame capable of spreading, of objects not intended to be burned at the place and time it occurs.
• Underinsurance (Infraseguro): where the sum insured is lower than the replacement-as-new value; the proportional rule may then apply.
• Temporary uninhabitability: the period in which, due to a claim, a dwelling cannot be lived in (or, for offices/premises, the activity cannot be carried out).
• Annual limit: the maximum Generali must pay in each annual insurance period, whether used in one or several claims.
• Minor works (Obras menores): works classed as such by the licence or municipal ordinance or, failing that, those not affecting the volume, structure or interior layout of the building and whose total budget is under €100,000.
• Waiting period (Plazo de carencia): the period after a guarantee takes effect during which a claim is not covered.
• Policy / insurance contract: the set of documents recording the contract terms — General Conditions, Particular Conditions (which individualise the risk), appendices/supplements, the application and the premium receipts.
• Premium (Prima): the price of the insurance the policyholder pays together with surcharges and taxes (total premium), fixed according to the policy guarantees and the declared risk.
• First-loss (Primer riesgo): a form of cover guaranteeing a set value regardless of the property's total value, without applying the proportional rule.
• Equity rule (Regla de equidad): reduces the indemnity in the same proportion as the difference between the premium charged and the premium that should have applied to the real risk, where the declared risk did not match reality and led to a lower premium.
• Proportional rule (Regla proporcional): reduces the indemnity in proportion to any underinsurance. In this policy Generali waives the proportional rule for claims whose damage (covered or not) is €1,500 or less.
• Automatic revaluation of sums insured: a mechanism to update the Building and Contents sums each year — either by a variable index based on the CPI (IPC) published by the INE, or by a uniform percentage set by the policyholder.
• Robbery (Robo): taking the insured property against the Insured's will, by third parties, using violence or intimidation on persons or force on things — e.g. climbing over differences in level above three metres; breaking a wall, ceiling or floor, or forcing doors/windows; using false keys, picklocks or similar; using legitimate keys obtained unlawfully; or disabling specific alarm systems.
• Claim (Siniestro): an accidental, unforeseen event whose damaging consequences are wholly or partly covered. All material and bodily damage from a single event counts as one claim.
• Over-insurance (Sobreseguro): where the sums contracted exceed the value of the property; the indemnity may not exceed that value.
• Third party (Tercero): any person other than the policyholder and the Insured; the owner; the family members of the policyholder/insured living with them (even temporarily); the partners and directors of the policyholder/insured (if companies) and their families; subsidiary/parent companies; and the employees of the policyholder/insured while acting as such (except as stated for Employer's Liability). For contracted civil-liability guarantees, co-owners (except for their share) and tenants of the dwellings/premises are treated as third parties towards the community and each other, only for personal injury or for material damage to property not included in Building and Contents.
• Policyholder (Tomador): the natural or legal person who enters into this contract with Generali and to whom its obligations correspond, except those that by nature must be met by the Insured.
• Replacement value as new: the price of replacing the guaranteed property immediately before the claim as if new, without depreciation, with materials of similar class, quality and operating capacity.
• Actual value (Valor real): the true value immediately before the claim, applying deductions to the as-new value for age, use and state of conservation.
• Total value (Valor total): a form of cover where the sum contracted must match the full replacement value of the insured property; the proportional rule may apply if the sum is insufficient.

2. Characteristics and parts of the building

The insured building is a construction (or set of constructions) intended to be inhabited by people and made up of dwellings, which may also include — up to part of its volume — commercial premises, offices and private garages; or the whole construction may be a private-use communal car park. “Building” / “property” covers a single block, a set of blocks, or an estate of single-family homes.

• Building annex: an auxiliary, communal-use construction on the same plot, for the building's exclusive service (machine room, store). Private storerooms or private annexes are not communal annexes.
• Garden: land where trees, shrubs, flowers or plants are grown ornamentally, fenced for the exclusive use of the owners and community. Woods, scrub, pasture and non-ornamental vegetation are not gardens.
• Grade (Rasante): ground level; “above grade” and “below grade” refer to floors above (including ground level) or below it.
• Built area: the sum of square metres of all floors above and below grade within the façade perimeter — including private zones, roofs, patios, terraces, porches, drying areas and annexes, and the share of jointly-owned common zones. Taken from the Cadastre in case of dispute.
• Common zones/elements: all commonly-owned or shared parts and installations of the building, including porter's lodges and staff dependencies. In case of doubt the Horizontal Property Law applies. Common pipes: supply/distribution pipes (clean water) running through common zones from the public-network connection to where they enter the private interior (pipes serving one dwelling that pass through other private spaces are still common; so are central-heating pipes and radiators); and drainage pipes (grey/black/rainwater) from the union with each private drain to the public-network connection (union fittings are common).
• Private zones/elements: privately-owned parts, or commonly-owned parts in private use. Private pipes: supply pipes from where they enter the dwelling/premises (including stopcocks, flexes, traps and taps inside the private space); and drainage pipes from the union with the common downpipe to each private drain.

2.1 Activity of the building

The activity must be declared in the Particular Conditions. Only these are contemplated: building of dwellings with no commercial premises; building of dwellings with shops/offices up to 25% of total volume (dwellings at least 75% above grade); building of dwellings with shops/offices between 25% and 75% (dwellings at least 25%); estate of single-family homes (common water, lighting and drainage; recognised as an estate, or at least 25 homes and/or 200 inhabitants); and private-use communal car park (entirely co-owned parking for owners/permanent users — not public, rotation or commercial car parks).

2.2 Use of the dwellings

Habitual residence: most dwellings (>50%) are the owners' permanent home, with unoccupancy not over 30 consecutive days or six discontinuous months. Secondary residence: most are occasional/seasonal homes; owners may individually let them legally for up to 90 days a year (buildings with no legitimate residents, and tourist accommodation businesses such as apart-hotels, hostels and tourist establishments, are excluded). Let for habitual residence: most dwellings are let to tenants as their habitual home (never holiday/seasonal lets). Unoccupied in more than 50%: over half the dwellings are not effectively occupied even as a second home.

2.3 Construction materials

Non-combustible: built with concrete, metal, brick or stone in structure, roof and walls. Non-combustible with wooden beams/ceilings: as above but incorporating wood in beams, ceilings or intermediate floors. Wood or other combustibles: built with wood/combustible materials in structure, roof or walls.

2.4 Security measures against intrusion

Security cameras: an approved CCTV system. Professional surveillance: access control by professional staff, either daytime or continuous (24h × 365 days).

3. Insurable property

3.1 Building (Continente): items permanently fixed to the building and its annexes — foundations, structure, walls, ceilings, floors, roofs, façades, sanitary fixtures, doors, windows, skylights and their fixed glass; fixed installations of water, gas, electricity, telephony, security, entry-phone/video-phone, heating and cooling (including fixed boilers, heaters, radiators, air-conditioning, heat pumps), lifts and goods-lifts; fitted wardrobes, blinds and awnings, and permanently-adhered decorative finishes (plaster including false ceilings, paint, wallpaper, fabric, carpet, parquet/laminate); radio/TV aerials, own-use solar panels and their fixed elements, lamp-posts and posts; walls, fences and retaining walls; paved/tiled access paths; pools, ponds, wells and their fixed treatment/pumping equipment, fixed sports/leisure installations (not grass); and, in general, anything that cannot be separated without damaging the building. In co-ownership, common elements shared with others apply per the participation coefficient. Improvements in common zones count as Building; improvements in private areas count only when of similar class, quality and value to the original (the part that betters/increases value is not insured Building). Not Building: furniture (including kitchen units) even if permanently installed; the land; buildings under construction; trees, plants and lawn.

3.2 Contents (Contenido): the community's property in common zones for communal use — furniture (including fixed), mobile appliances and non-built counters; mirrors, lamps and ornaments (unit value up to €3,000); tools, small machinery and materials for cleaning/repair/maintenance; fire extinguishers; and furniture in gardens, patios and terraces (only for certain covers). Not Contents: private movable property; items of unit value over €3,000; motor vehicles, trailers, caravans and pleasure craft; deeds, titles, manuscripts, plans, lottery tickets, stamps and documents representing money value; cash and cheques (except where expressly provided).

3.3 Garden: the trees, plants and lawn in the building's garden as defined above. 3.4 Fixed machinery: non-portable machines and equipment fixed to the building for its operation/maintenance — lifts and goods-lifts, central boilers, water-treatment plant, electrical generation/distribution machinery and lines, and home-automation/IT/electronic systems. A specific sum must be contracted to obtain the optional Fixed-Machinery Breakdown cover.

Article 1 — Object of the insurance & territorial scope ↑ top

Within the limits and situation set in the General and Particular Conditions, the insurance guarantees the indemnities due to the Insured for the destruction, deterioration or disappearance of the property, and the provision of the services described in Articles 2 to 9 — only where expressly contracted or included in the Particular Conditions. Failure to take out a guarantee releases Generali from any financial obligation, benefit or action for a claim that might have fallen under it. In addition to the general exclusions in Article 10, each guarantee's specific exclusions appear after it under the heading “What is not covered…?”.

Territorial scope: the guarantees in Articles 2 to 9 take effect only within the insured building at the location in the Particular Conditions and within Spanish territory. Indemnities and expenses are paid in Spain and in euros.

Article 2 — Basic building cover ↑ top

1. Fire & other damage

Up to 100% of the sums insured for Building and Contents (except where noted), this covers direct material damage from:

• Fire, explosion/implosion and lightning — up to 100%.
• Smoke damage — smoke and soot from fires or from sudden, abnormal leaks of combustion/heating/cooking systems connected to chimneys or extraction ducts.
• Impacts from outside — collision of land vehicles and their cargo; falling aircraft/spacecraft or parts; sonic waves; falling trees, posts, lamp-posts or installations outside the building belonging to third parties; falling rocks and avalanches.
• Electrical damage — to communal electrical installations and appliances from abnormal current, short-circuit, voltaic arc, mains overvoltage or lightning induction.
• Discharge from fire-extinguishing installations — water or other agent escaping from the building's (or neighbours') extinguishing systems.
• Spillage of liquids other than water (up to 10%) — from accidental bursting/overflow of tanks forming part of the insured (or neighbouring) building.

What is not covered (Fire & other damage)? Fire damage where objects fall singly into a fire, or smoker accidents without flame, or damage from direct/indirect contact with a heat source; damage to electrical installations, fixed machinery and electrical/electronic appliances from their own operation; explosions of materials other than those usual for domestic services; damage from the everyday, continuous action of smoke/soot or air pollution; impacts by the Insured's own vehicles/trees/installations; electrical damage to bulbs and lighting, to provisional/non-compliant installations, to appliances under installer/maker warranty or over 12 years old; extinguishing-discharge damage to the automatic system itself or from misuse; and removal/recovery/replacement of spilled liquid or repair of the containing pipes/tanks.

2. Total ruin from third-party works

Up to 100% of the Building/Contents sums (with a 10% sub-limit for technical-direction fees of the rebuilding), this covers direct material damage from works carried out by third parties on adjoining plots/buildings, or public works in adjacent streets or the subsoil. It applies in excess of, or in the absence of, the ten-year construction-defects (decenal) cover. For works during the policy term not known to the Insured at its end, cover continues for up to twelve months after the policy ends. Not covered: damage not causing the building's total ruin, or originating in works carried out before the policy's effective date (even if known during it).

3. Weather phenomena

• Rain, wind, hail and snow (up to 100%) — direct material damage from rainfall over 40 litres/m² per hour, wind gusts over 80 km/h, or hail/snow of any intensity (measured at the nearest official weather station; if no data, sufficient intensity is presumed where the experts find widespread damage to solid buildings within 5 km). Includes damage from trees/installations driven by these phenomena.
• Leaks and seepage (up to 100%) — water entering through roofs, terraces and external walls of the insured/neighbouring building from rain, hail or snow (repair of the cause itself is excluded).
• Flood (up to 100%) — water entering the building from rainfall (as in 3.1), hail or snow; overflow/diversion of watercourses (channels, ditches, streams, gullies); or overflow/bursting of septic tanks, sewers, collectors and similar public underground pipes.

What is not covered (Weather phenomena)? Claims covered by the Consorcio; damage from lack of repair/maintenance attributable to the Insured; damage from frost, cold, waves or tides (even if wind-caused); snow/water/sand/dust entering through openings left unclosed or defectively closed; damage to goods stored outdoors or in open constructions even if protected by flexible materials; condensation/absorption damp; the direct action of river water leaving its course (and dam/dyke failure); damage from falling of the Insured's own trees due to poor condition or terrain slippage; and damage to trees, plants and lawn and their clearance (see optional Garden Reconstruction).

Article 3 — Cover for the common areas ↑ top

1. Water damage from common pipes

This guarantee may be taken with or without an excess (shown in the Particular Conditions, applying to 1.1 and 1.2 below).

• Accidental escapes (1.1) — up to 100% of Building/Contents, for water damage from bursting, breakage, overflow or blockage of common pipes, fixed tanks or directly-connected appliances; failure to close, or failure of, taps/stopcocks on common pipes; and non-weather seepage through walls/ceilings (repair of the cause excluded).
• Leak location (1.2) — up to 100% of the Building sum, the materials and labour to locate the cause of a covered escape.
• Pipe repair (1.3) — up to €1,500 per claim, to repair the causing pipes. Where generalised corrosion/deterioration not previously known is found, Generali's obligation is limited to repairing the causing section, max €300.
• Urgent plumbing without damage (1.4) — up to €250 per year, for urgent repair of common water installations causing accidental leaks not yet damaging property.
• Drain unblocking (1.5) — up to the amount in the Particular Conditions per year, max €500 per action, to unblock common grey/black/rainwater drains.

What is not covered? Damage from installations with evident, known corrosion; weather-origin water (unless channelled/stored); freezing of water installations (see Art. 5, Frost); water in mobile tanks; public underground pipes, septic tanks, sewers (see Flood); damage from construction/repair works in the building; condensation/absorption damp; repair/replacement of the causing taps, stopcocks and appliances; and tank-refilling and excess water consumption.

2. Breakage in common areas

• Breakage of common Building elements (2.1) — up to 100% of the Building sum (per-piece limit in Particular Conditions), for accidental cracking/shattering of properly-installed glass in doors, windows, skylights and domes and wall mirrors; methacrylate and similar glass substitutes; sanitary porcelain (basins, WCs, bidets, shower trays, baths, sinks); marble/granite/artificial-stone worktops fixed to the building or on built counters; and solar-panel glass.
• Breakage of common Contents elements (2.2) — up to 100% of the Contents sum (per-piece limit), for cracking/shattering of glass/mirrors in partitions, furniture and framed mirrors; methacrylate in partitions/furniture; and marble/granite/artificial-stone tops on non-built furniture and counters.

What is not covered? Scratches, chips and surface defects that are not cracks/shatters; breakage of glass without fixed installation; mobile containers, fish tanks, glassware, crockery, lamps, neon and bulbs, optics, cameras and lenses, ornaments and hand-held objects; screens of image/IT devices and the frames/mouldings/supports/furniture holding glass; damage during works, decoration or removal; marble/granite/artificial stone in floors, walls and ceilings; replacement of taps/fittings affected by replacing sanitaryware/sinks; and solar-panel mechanisms unless inseparable.

3. Theft & vandalism in common areas

• Robbery of common Building (3.1) — up to 100% of the Building sum, for damage/loss of fixed common elements from robbery or attempt; also private Building parts in common/interior zones (dwelling/office/premises access doors; private-annex access doors up to €200 per door and max €1,000 per claim).
• Robbery of Contents (3.2) — up to 100% of the Contents sum.
• Petty theft in the building (3.3) — up to €200 per year.
• Misappropriation of funds (3.4) — up to €3,000 per year, for losses from misappropriation of communal funds for personal gain by the president or another governing-board member entrusted with managing them.
• Acts of vandalism (3.5) — up to 100% of Building/Contents, for malicious damage by persons who do not live in or use the building.

What is not covered? Events not reported to the police; mere losses/mislaying; robbery committed when the declared security measures did not exist (if they exist but were not activated, an equity rule applies to the indemnity); robbery/vandalism in buildings without doors/windows or in notorious abandonment; graffiti, inscriptions and posters on external elements; damage by tenants, users or occupants (legal or illegal); and damage from riot or civil commotion that may be covered by the Consorcio.

Article 4 — Consequential-damage cover ↑ top

1. Demolition, salvage & other expenses

Up to 10% of the Building/Contents sums, this covers expenses consequent on a covered claim: fire-brigade intervention; measures by authorities, emergency services or the Insured to combat/limit damage (including refilling used extinguishers); mud removal; demolition, clearance and removal of debris; salvage of insured property; and replacement of the community's public documents.

2. Temporary uninhabitability

• Rental of a provisional dwelling/premises (2.1) — up to 10% of the sum of Building + Contents, for renting a similar property nearby when the insured one is totally unusable and the affected party is the owner, for the repair time until minimum occupancy conditions, max one year. Includes minimum water/electricity/gas/landline charges that must still be paid. For secondary residences, uninhabitability is limited to the proven planned occupancy period and only where the affected party's main home is more than 100 km away.
• Hotel & extraordinary expenses (2.2) — up to €300 per dwelling per day, max 10 days, with a limit of €30,000 per claim, for hotel, board and laundry for the household while the home is uninhabitable, when no provisional dwelling is needed or until one is obtained.

3. Loss of rent from temporary uninhabitability

Up to 10% of the sum of Building + Contents, where the property is let to a tenant with a contract in force on the day of the claim, this covers the loss of rent during the repair time, max one year. If let furnished, only the property rent counts (excluding furniture); if a single price is set, the property rent is taken as 60% of the agreed price.

4. Aesthetic restoration of common Building

Up to the amount in the Particular Conditions, this covers restoring the aesthetic appearance broken by a covered claim, in interior, enclosed, normally-visible common areas (entrance, stairs, meeting/leisure rooms, porter's lodge), regardless of direct damage. Limited to the affected construction unit and floor, using similar materials; payment is conditional on the restoration actually being carried out (verifiable by the Company). Not covered: roofs, façades, pools, sports/leisure installations, gardens, fences/retaining walls and other exterior parts; interiors of storerooms/machine rooms; and elements under the Breakage cover.

Article 5 — Additional common-area cover ↑ top

1. “Comunidad Exclusiva” extension

• Frost damage (1.1) — first-loss max €5,000 per claim, for breakage/bursting from freezing of communal water pipes and tanks, even without water-escape damage.
• Heat damage (1.2) — up to 100% of the Contents sum, for accidental, sudden action of a heat source on nearby objects not in direct contact.
• Other breakage (1.3) — up to 100% of Building/Contents, for cracking/shattering of communal sanitaryware/sinks of materials other than porcelain, stained glass, and large pots/planters (at least 50 cm at their widest).
• Extended urgent plumbing without damage (1.4) — up to €1,000 per year, in excess of the €250 of Art. 3.1.4 (except notorious, known lack of maintenance).
• Excess water consumption (1.5) — up to €2,000 per year, for excess consumption from a leak through breakage in common installations (includes refilling a pool from a broken drain/pool-shell; calculated as the difference between the bill for the claim period and the average of the three previous bills).
• Aesthetic restoration of sanitaryware (1.6) — up to the common aesthetic-restoration amount, for restoring the look in the damaged communal bathroom where it affects sanitaryware under 25 years old (excluding taps/fittings).
• Aesthetic restoration of common furniture (1.7) — first-loss max €1,500 per claim.
• Theft of outdoor furniture (1.8) — up to 10% of the Contents sum, max €500 per item, for theft of outdoor furniture in fenced communal gardens, patios and terraces.
• Employee infidelity (1.9) — up to 1% of the Contents sum (min €150, max €3,000 per year), for petty theft of any insured property by the community's staff. Within that limit, fraudulent use of the community's credit/debit cards is covered up to €500, where the misuse occurs within 48 hours before/after reporting the loss.

What is not covered (Comunidad Exclusiva)? For Frost, the same exclusions as Water damage except freezing; for Other breakage, the same as Breakage of common elements except fragile materials when affecting those listed; offences not reported to police; and theft by domestic employees of cash, cheques and money-value documents.

2. Garden reconstruction

Up to the first-loss amount in the Particular Conditions, this covers replacing trees, plants and lawn with the same species (including clearance), from Fire, explosion/implosion, lightning, wind and vandalism (per Art. 2.1.1, 2.3.1 and Art. 3.3.5). Not covered: the exclusions of those guarantees; plantings in poor condition or with deficient rooting; and plantings in waterlogged ground.

3. Fixed-machinery breakdown

Up to the amount in the Particular Conditions, this covers material damage to insured fixed machinery from: human error (mishandling, lack of skill or negligence); hidden defects (manufacturing, construction or assembly defects, calculation errors, material/casting/welding faults); tearing (rupture by centrifugal force); self-combustion (internal fire/charring from operation — extended to smoke, soot and corrosive gases); abnormal operation (lack of water in boilers, lubrication faults, loosening of parts, abnormal stress, control-device failure, molecular fatigue, overheating); and urgent repairs (overtime, night/holiday work and urgent transport — not air — limited to 10% of the contracted amount). Not covered: machinery over 20 years old; lifts/goods-lifts without a maintenance contract or legal inspections; damage under installer/maker warranty; damage during experiments/tests; breaches of safety rules, maker specifications or basic maintenance; portable/mobile machinery; belts, cables, filters, dies, glass, enamels, tubes/electronic valves, fuses, bulbs and fast-wearing/replaceable items; loss of tank/container contents; and the cost of fuels, refrigerants, lubricants and catalysts.

Article 6 — Cover for the private areas ↑ top

This guarantee may be taken with or without an excess (shown in the Particular Conditions, applying to 1.1 and 1.2 below).

1. Water damage from private pipes

• Accidental escapes (1.1) — up to 100% of Building/Contents, for water damage from bursting, breakage, overflow or blockage of private pipes, fixed tanks or directly-connected appliances; failure to close/failure of taps and stopcocks on private pipes; and non-weather seepage through walls/ceilings (cause repair excluded).
• Leak location (1.2) — up to 100% of the Building sum, materials and labour to locate the cause.
• Pipe repair (1.3) — up to €1,500; where generalised, previously-unknown corrosion is found in the private space, limited to the causing section, max €300.

What is not covered? Installations with evident, known oxidation/deterioration; weather-origin water (unless channelled/stored); freezing of private water installations; water in mobile tanks; construction/repair works in the private space; condensation/absorption damp; repair/replacement of the causing taps, stopcocks and appliances; and tank-refilling and excess water consumption.

2. Breakage of exterior private glass

Up to 100% of the Building sum (per-glass limit in Particular Conditions), for accidental cracking/shattering of properly-installed glass forming part of the insured Building in windows, railings, balcony/terrace access doors and other private exterior parts. Not covered: glass of commercial premises; and scratches, chips and surface defects that are not cracks/shatters.

3. Aesthetic restoration of private Building

Up to the amount in the Particular Conditions per claim and per dwelling/office/premises, for restoring the look broken by a covered claim affecting insured Building inside the dwellings/offices/premises. Limited to the affected habitable room, using similar materials; payment conditional on the restoration being carried out (verifiable). Not covered: roofs, façades, pools, sports/leisure installations, gardens, fences/retaining walls and other exterior parts; storerooms, garages and annexes; and glass, methacrylate and glass substitutes, sanitary porcelain and natural/artificial-stone worktops.

Article 7 — Civil liability ↑ top

This article covers non-contractual civil liability (arts. 1902 ff. of the Civil Code) that may arise for the Insured and the co-owners for acts/omissions, with fault or negligence, causing harm to third parties. Cover is limited to liabilities claimed in or recognised by Spanish courts, from harm occurring in Spain during the policy term and claimed in that period or within a maximum of 12 months after it ends.

1. Civil liability of the community

Up to the Civil Liability sum per year and the per-victim limit in the Particular Conditions, this covers indemnities to third parties for non-contractual liability for material and/or personal damage (and consequent economic loss) arising from ownership of the insured Building and Contents:

• Liability of the common property (1.1): fire and its effects, explosion/implosion; acts related to use of the building by the Insured, co-owners and staff (gardening, maintenance, security/surveillance); use of lifts, goods-lifts and escalators (if compliant); extension/maintenance/reform works classed as minor works (subsidiary to the liability of the firm/self-employed professional doing them); and detachment of Building elements or of trees/parts belonging to the building. Includes liability from common zones shared with other buildings, in the corresponding share.
• Liability for escapes from common water pipes (1.2): accidental, sudden escapes from bursting, breakage, overflow or blockage of common pipes, taps, stopcocks, fixed tanks and directly-connected appliances; and escapes from failing to close, or defective closing of, taps/stopcocks.
• Liability of the President, Vice-President and other board members (1.3): for their acts serving the community. Excluded is liability for the professional conduct of the community's administrator, lawyer or court agent.
• Employer's liability (1.4): for harm to community employees working in the building, where civil courts find a civil liability beyond the compulsory work-accident insurance.

2. Civil liability of private pipes

Up to the per-claim limit in the Particular Conditions for this optional guarantee (with the contracted annual maximum and per-victim limit), this covers harm to third parties from accidental, sudden escapes from bursting, breakage, overflow or blockage of private pipes and directly-connected taps, stopcocks, fixed tanks and appliances; and from failing to close or defectively closing them.

3. Legal defence & constitution of bonds

Legal defence (3.1): within the maximum Civil Liability sum and up to a partial limit of €150,000, Generali defends the Insured against court claims by any injured party for covered liability events, even if unfounded, appointing lawyers and court agents (unless agreed otherwise). The Insured must cooperate, grant powers and not admit liability or negotiate/waive/reject claims without the insurer's prior express authorisation. If a conflict of interest arises, the Insured may keep Generali's legal direction or choose another, in which case the documented costs are limited to €6,000. Constitution of bonds (3.2): up to €150,000, for bonds imposed in criminal proceedings for fault/negligence (never for wilful offences) as security for civil liability or for provisional release, due to claims covered by this policy.

What is not covered (Civil liability)? Liability from: ownership/use of buildings other than the insured one; any industrial, commercial or professional operation in the building; breach of contractual obligations or contractual liability; material damage to the insured Building and Contents; lifts/goods-lifts without a maintenance contract or legal inspections; risks requiring compulsory insurance; possession/use of explosives; faults known to the Insured and not remedied; persistent avoidable actions; works other than minor works; ownership/use of any motor vehicle and its trailers; ownership/use of any vessel or aircraft; theft/disappearance of vehicles or their parts/contents in the building's garages or common zones (and collision/overturn/scrape damage to them); damage to third-party property in the Insured's custody; acts of persons who are not employees/contractors/subcontractors of the Insured (for contractors/subcontractors Generali responds only subsidiarily); obligations to relatives up to the second degree of building employees; intentional breaches of legal rules; aluminosis, asbestos and ten-year construction (decenal) liability; employer's liability for occupational diseases; harm to employees not registered with Social Security (and consequences of non/incorrect registration, plus official fines); soil/water/air contamination; pollution by noise, electromagnetic fields, waves, radiation or odours; and any economic loss not directly resulting from material or personal damage.

Article 8 — Legal defence (Defensa jurídica) ↑ top

1. Conditions applying to Legal Defence

Service provider: under Annex A.17 of Law 20/2015, legal-defence claims are handled by the specialist company Europ Assistance, S.A. de Seguros y Reaseguros. Object & scope: protection of the Insured's legal interests through amicable steps and administrative, judicial or arbitral proceedings for a covered event, where expressly contracted. Up to €6,000 per claim, it includes court taxes and costs, lawyer's fees, court-agent fees (where compulsory), notary and power-of-attorney costs, expert fees (appointed/authorised by the insurer) and, in criminal cases, bonds for provisional release and court costs (excluding indemnities and fines). Several claims with the same cause at the same time count as one claim.

Free choice of lawyer and court agent: the Insured may freely choose the lawyer and court agent to represent and defend them; and must do so in any conflict of interest. The chosen professionals are not subject to the insurer's instructions. Before appointment the Insured must give the insurer their names; if there is a reasonable ground for objection, the insurer may ask for three other names (not from the same firm) and choose between them. Maximum fees are those set as guidance by the relevant Professional Association, within the per-claim limit; disputes go to that Association's committee. The insurer does not pay travel costs where the chosen professionals do not reside in the judicial district of the proceedings. Where the insurer considers a claim unjustified (no sufficient evidence, manifestly disproportionate, no reasonable prospect) it must tell the Insured it will not pay the costs; but if the Insured pursues it and obtains a favourable final ruling or a similar indemnity, the insurer will pay those costs.

Conflict resolution: in a conflict of interest or disagreement on handling a dispute, the insurer informs the Insured of the right to freely appoint lawyer/court agent; and both parties may submit interpretation differences to arbitration (the arbitrator cannot be appointed before the dispute arises). Territorial extent: events in Spanish territory within the jurisdiction of Spanish courts. Definition of event: any unforeseen event harming the Insured's interests or changing their legal situation (in criminal matters, when the punishable act is/allegedly committed; in non-contractual fault, when the harm is caused; in contractual matters, when the breach starts). Prescription: actions prescribe in two years. Concurrence of insurance: insurers contribute in proportion to their sums insured, not exceeding the loss. Minimum litigious amount: €300 for court action.

2. Legal defence & damage claims

• Telephone legal advice (2.1): answers to any legal query on the insured risk under Spanish law, 9am–7pm Monday–Friday, replied within 24 hours (excl. weekends/holidays), by phone only, with no written opinion.
• Rights over the building, annexes, common elements and parking (2.2): claims against third parties on rights of way, light, views, distances, boundaries and party walls, and breaches over smoke/gas emissions, hygiene, persistent noise and nuisance/harmful/dangerous activities; claims for non-contractual damage caused by third parties to the building's regular staff (in the course of their work), common elements, furniture and communal appliances, fences, walls and independent doors on the plot (if covered by a policy with an excess, this guarantee claims that excess); and the obligation to repair the source of covered damage caused by a third party where it risks recurring. Co-owners, their relatives and domestic staff count as third parties here.
• Service contracts (2.3): claims for breach of service-hire contracts affecting the community/owner of which they are the holder and end-user — private security/surveillance, cleaning, repair/conservation/maintenance of common elements (including lifts), installation/replacement of fixed installations, qualified professionals, administrators, and supplies arranged by the community.
• Contracts to buy movable goods (2.4): claims on breach of contracts to buy movable goods for the community's direct use (decoration and furniture — not antiques — appliances and effects owned by the Insured).
• Defence in municipal administrative matters (2.5): defence against municipal administrative proceedings (the administrative procedure only, not the contentious-administrative route); the Insured remains liable for any fines/sanctions imposed.
• Claims against owners for unpaid charges (2.6): amicable or judicial defence of the community against defaulting owners not up to date with the general charges due under their participation share for proper upkeep of the building, plus charges for new installations/services/improvements validly agreed in the owners' meeting, where the owner is legally bound to pay. Requirements: the claim was validly agreed in the owners' meeting; the default began after this guarantee took effect; and the debtor is solvent with sufficient documentary basis.
• Advance of charges claimed in court (2.7): where a co-owner is sued for unpaid charges of at least six months' standing, the insurer advances the community up to €600 per defaulting co-owner (against a signed debt acknowledgement), to be repaid when the community recovers the sum, withdraws the claim or an absolving judgment is given.

What is not covered (Legal defence & damage claims)? Claims on supply contracts (water, gas, electricity, telephone); claims for damage to vehicles, vessels or animals; claims relating to the design/construction/transformation/demolition of the building or to quarries/mines/factories; matters relating to the insureds' own motor vehicles and trailers (unless the owner is a co-owner of the community); those arising from industrial/commercial activities in the risk; claims between members of the community (except cover 2.6); urban-planning, land-consolidation and expropriation litigation, and assignment-of-rights contracts; cases declared more than two years after the policy's cancellation; events deliberately caused by the Insured (per final judgment); claims by the policyholder against the insurer; events outside Spain; claims under €300; fines and costs from administrative/judicial sanctions; taxes and fiscal payments; and costs from a judicial joinder/counterclaim on matters not covered.

Article 9 — Services & assistance ↑ top

1. Assistance in the building (included)

• Repairs after a claim (1.1): up to each affected guarantee's limit, Generali provides repair of covered-claim damage by sending professionals acting on the Company's behalf, where requested and the damage allows.
• Urgent interventions (1.2): up to two hours' labour plus call-out, urgent dispatch of: an emergency plumber (to restore communal water after a pipe failure); an emergency electrician (to restore communal electricity after an accidental fault in the building's installation); an emergency glazier (broken glass posing danger or exposure); an emergency locksmith (to open the building's main door after accidental lock failure); and an entry-phone technician (accidental failure preventing remote opening). The Insured pays any excess hours and material cost only if not covered by another guarantee.
• Connection service (1.3): for non-covered repairs or maintenance/reform works, Generali connects the community to its network of professionals; the service is limited to finding and sending the professional — the later relationship and all costs (materials, labour, travel) are the Insured's.
• Security personnel (1.4): where a covered claim leaves the building unprotected and easily accessible from outside, surveillance by security staff sent by Generali until security is restored, max 48 hours.

What is not covered (Assistance)? Repair of faults in installations outside the building and restoring supplies cut by public-service failure or non-payment; the cost of labour, materials or travel except where expressly stated; and reimbursement of professionals not sent by the Company (unless the repair cause was covered by another guarantee, within its valuation rules and limits).

2. Assistance for the Comunidad Exclusiva (optional)

In addition to building assistance — maintenance help: up to 2 services per year and a maximum of 3 hours per service, qualified professionals for small repairs and maintenance (masonry, plumbing, painting, locksmithing, electricity). Includes travel and fixing/sealing/painting materials up to €25 per service (excess is the Insured's). Requires the policy to be at least 3 months old. The exclusions are the same as for building assistance.

3. Pest control (optional)

Up to one service per year (two visits per service), specialist intervention to control cockroaches and rodents originating in the building's interior common zones. Includes a corrective-treatment visit and a control visit, an intervention report, a state-of-sensitive-zones report, a service certificate (techniques, products and active ingredients with safety sheets), and the products, labour and travel. The first visit is within 48 hours of notification. Where structural/hygiene deficiencies acting as an infestation vector are found, the Insured must resolve them at their cost before treatment; otherwise the Company is not obliged to provide the service. Not covered: pests other than those stated; pests originating in dwellings, private storerooms or commercial premises; pests in gardens and outdoor zones; and repair of defects in Building/Contents or cleaning of the building.

Article 10 — General exclusions (all guarantees) ↑ top

In addition to each guarantee's specific exclusions, this policy does not cover:

• Damage from guarantees/covers not expressly included in the Particular Conditions, or different from those defined here, or expressly excluded in any Condition.
• Damage where the claim arises from wilful misconduct or gross negligence of, or complicity by, the Insured, its employees, the co-owners or their household and dependants (for employees, except as expressly stated under Misappropriation of funds and Employee infidelity).
• Damage caused directly or indirectly by war, invasion, acts of foreign enemies, hostilities (whether or not war is declared), civil war, rebellion, revolution, insurrection, military or usurped power, terrorism; and confiscation, nationalisation, requisition or destruction by order of any government/authority in the presence of those events.
• Claims from volcanic eruptions, hurricanes, cyclones, earthquakes, seaquakes, sea surges, river-flooding from the direct action of river water, capillarity, water-table rises and/or collapse from loss of mechanical strength, settlement, tremors or earth movements (subsidence, landslides).
• Damage from fermentation, oxidation, design error, inherent defect or known construction/manufacturing defect of the guaranteed installations and property.
• Claims from inexcusable negligence and from the lack or defective execution of repairs needed for the normal conservation of the property or to remedy notorious, known wear.
• Decontamination, search and recovery of radioactive isotopes; damage from contamination, pollution or corrosion, nuclear damage, or ionising radiation/radioactive contamination (except as expressly stated for third-party Pollution liability where contracted).
• Own damage and damage to third parties from carrying on a commercial, industrial or professional activity.
• Damage during repair, remodelling or reconstruction works (except repairs/conservation classed as minor works and not done by remunerated third parties).
• Damage covered by the Consorcio de Compensación de Seguros under current law, or where the Consorcio does not admit the right due to breach of its rules; and the difference between damage and amounts paid due to excesses, deductions, underinsurance or aesthetic alterations for claims that fall to the Consorcio (see Article 11).
• Claims declared by the authorities to be a national catastrophe or calamity.
• Expropriation, confiscation, nationalisation, requisition or damage by order of any government/authority.
• Software and computer programs in general, including electronic software-protection systems (dongles).
• Claims before the policy's effective date or after its expiry/termination, whether or not known (except third-party claims for events within the term, not known, up to 12 months after it ends).
• Indirect losses of any kind not expressly insured.
• Destruction/deterioration of insured property outside the location stated in the Particular Conditions (except as expressly provided).
• Payment of fines and penalties of any kind.

Article 11 — Extraordinary risks (Consorcio de Compensación de Seguros) ↑ top

Under the legal Statute of the Consorcio de Compensación de Seguros (Royal Legislative Decree 7/2004), the policyholder of a contract that must include a surcharge in its favour may agree extraordinary-risk cover with any qualifying insurer. Indemnities for losses from extraordinary events in Spain affecting risks located there are paid by the Consorcio where the surcharge has been paid and either: (a) the extraordinary risk is not covered by the policy; or (b) although covered, the insurer cannot meet its obligations (judicial insolvency/liquidation assumed by the Consorcio).

Summary of the legal rules

Covered extraordinary events: natural phenomena — earthquakes and seaquakes; extraordinary floods (including sea surges); volcanic eruptions; atypical cyclonic storm (including extraordinary winds with gusts over 120 km/h and tornadoes); and the fall of celestial bodies and meteorites; events caused violently by terrorism, rebellion, sedition, riot and civil commotion; and acts of the Armed Forces or Security Forces in peacetime. Atmospheric, seismic, volcanic and celestial-body events are certified by AEMET, the National Geographic Institute and other competent bodies.

Excluded risks: those giving no right to indemnity under the Insurance Contract Law; property insured under contracts where the Consorcio surcharge is not compulsory; inherent defect or manifest lack of maintenance; armed conflicts (even without declared war); nuclear energy (without prejudice to Law 12/2011); the mere action of time, or of ordinary waves/currents on permanently submerged property; natural phenomena other than those listed (in particular water-table rise, slope movement, land slippage/settlement, rockfall — unless clearly caused by rainwater that also caused extraordinary flooding simultaneously); tumultuous actions during lawful meetings/demonstrations or legal strikes (unless classed as extraordinary events); bad faith of the insured; phenomena where the policy's issue/effect date does not precede the event by seven calendar days (unless the prior impossibility of contracting is shown; not applied on uninterrupted renewal/replacement, except for increases/new cover or automatic revaluation); claims before the first premium is paid or while cover is suspended/extinguished for non-payment; and indirect losses other than the pecuniary losses defined as indemnifiable in the extraordinary-risks regulation (in particular, no cover for loss from cut/alteration of external electricity, gas or fuel supply); and claims classed by the Government as a national catastrophe or calamity.

Excess: for direct material damage, 7% of the indemnifiable damage — but no excess is deducted for damage to dwellings, communities of dwelling owners, or vehicles insured under a motor policy. For miscellaneous pecuniary losses, the excess is that in the policy for ordinary loss-of-profit claims.

Extent & procedure: cover extends to the same property and sums insured as for ordinary risks. To claim, notify the Consorcio (call centre 900 222 665 / 952 367 042 or www.consorseguros.es); the Consorcio values the damage independently and pays the beneficiary by bank transfer.

Article 12 — Claims valuation & indemnity ↑ top

1. Valuation of damaged property

Building and Contents are valued, unless stated otherwise, at replacement value as new, without depreciation — with these exceptions, valued at actual value: where the property is not rebuilt/replaced; buildings over 50 years old (unless their general/individual pipes, roofs and façades were fully renewed in the last 50 years and they have protected electrical installation); and property in poor condition or that is unusable/obsolete. Cash and money losses are valued by bank statements/proof; covered expenses by invoice. For all property: the Insured must prove the prior existence of disappeared items (the policy is only a presumption where other proof cannot reasonably be given); rebuilding/replacement at the same site must be within a maximum of two years; rebuilding elsewhere only by legal requirement or force majeure (then the indemnity is increased by half the difference between actual and as-new value, paid after rebuilding); amounts on account are paid as work proceeds; residual value of Contents may be deducted (property stays with the insured); and irreplaceable items may be substituted by similar current ones.

2. Determining the indemnity

The indemnity is set by the valuation of the damage, the sums insured in the Particular Conditions and the limits/sub-limits in the Conditions, applying these rules:

• Proportional rule: where sums insured are below replacement-as-new value (underinsurance), the insurer responds only in proportion to the insured part. Generali waives this for claims of €1,500 or less; it does not apply to first-loss sums.
• Compensation of sums: if the proportional rule must apply and there is excess sum on Building or Contents, the excess may be applied to the under-insured item (where the resulting premium does not exceed that paid for the current year) — not to first-loss cover.
• Equity rule: where the risk circumstances differ from those known (inaccurate declared data or later, un-notified aggravation), the indemnity is reduced in proportion to the difference between the agreed premium and the premium that would have applied.
• Concurrence of insurance: where several policies cover the same property/risks, Generali contributes in proportion to the sum it insures; the Insured must notify all insurers; the total combined indemnity never exceeds the value of the damaged property.
• Excess: where applicable, deducted from the resulting indemnity.

3. Resolving disagreements & payment

If there is no agreement on the amount/form of indemnity within 40 days of the insurer receiving the claim declaration, each party may appoint an expert; failing agreement between them, a third is appointed (per the Voluntary Jurisdiction Law or notarial law). The three experts' decision, unanimous or by majority, is binding — challengeable within one month by Generali and six months by the Insured. Payment: Generali pays within a maximum of 5 days of agreement on the amount (or acceptance of the joint expert valuation). If 40 days pass from the claim without determining the extent or agreeing the amount, Generali pays the amount then established, continuing investigations. At the Insured's request, the indemnity may be replaced by repair/replacement where the guarantee allows. Claim rejection: where Generali considers a claim should be rejected under the contract, it notifies the Insured in writing with reasons; if rejection is appropriate after payments have been made, Generali may reclaim the sums paid.

Article 13 — Clauses relating to the insurance contract ↑ top

1. Basis of the contract

The policy consists of these General Conditions, the Particular Conditions (which individualise the risk), appendices/supplements, the application and the premium receipts. It is drawn up on the policyholder's declarations, which determine the insurer's acceptance of the risk and the premium. If the policy differs from the application, the policyholder may ask for the divergence to be corrected within one month of receiving the policy; otherwise the policy prevails. Where there has been error, inaccuracy or concealment of data known to the Insured, Generali may rescind the contract within one month of becoming aware; if a claim occurs before that, the benefit is reduced in proportion to the premium difference — unless the inaccuracy was wilful or grossly negligent, in which case Generali is released from payment.

2. Effect & duration

Cover takes effect at the time and date in the Particular Conditions provided the premium receipt has been paid (unless agreed otherwise). Generali's obligations begin at 24:00 on the day those requirements are met. At expiry, the contract is extended for one year, and so on each year. Either party may oppose renewal in writing — at least one month before the end of the current year if by the policyholder, two months if by Generali.

3. Obligations of the policyholder/insured

To: notify Generali of other policies with other insurers covering the same property/risk; allow Generali's appointed persons access to the risk and provide requested data; notify any aggravation or reduction of the risk as soon as possible; and notify the sale of the building within fifteen days, informing the buyer of the insurance so that buyer and Generali can decide whether to keep it.

4. Aggravation of the risk

Once aware of an aggravation, within a maximum of two months from notification Generali may propose a modification (the policyholder then has fifteen days to accept/reject), or may terminate the contract by written notice within one month of becoming aware. If a claim occurs without the aggravation being notified, Generali is released from payment if the policyholder acted in bad faith; otherwise the benefit is reduced in proportion to the premium difference.

5. Renewal premium

At each renewal the premium is set per the product's technical-note tariff (under DGSFP control), based on: technical-actuarial calculations reflecting changes in indemnity/service costs; the contract's claims experience (premium corrected upward by claims declared); and the revaluation of sums in the Particular Conditions.

6. Payment of the premium

The premium is payable in advance, both for the first and successive years; the contract does not take effect, or is suspended, until paid — though claims in the first month of a successive year are covered if the premium is paid within that month, even after the claim. On non-payment of a successive premium, cover is suspended one month after the due date. If Generali does not claim payment within six months of the due date, the contract is deemed extinguished.

7. What the Insured must do after a claim

To: notify the claim as quickly as possible and in any event within a maximum of seven days; take all possible measures to limit losses and follow Generali's instructions (breach may reduce the indemnity); provide all information on the claim's circumstances and consequences; not abandon the insured property and preserve the remains until valuation; and authorise Generali's appointed persons to access the building to take measures/repairs and to carry out the loss adjustment.

8. Termination after a claim

Either party may, by mutual agreement, terminate the contract after each claim notification, whether or not it led to payment. If Generali initiates: written notice within 30 days of the claim notification (or its settlement), with at least 30 days' notice before effect; the policyholder may oppose within 15 days, failing which it terminates. If the policyholder/insured initiates: written notice within 30 days of the claim notification (or settlement), at least 15 days before effect; Generali cannot oppose. On termination, the unused premium is refunded.

9. Extinction & nullity

If the insured interest or property disappears during the term, the contract is extinguished and Generali keeps the unearned premium. The contract is void (save as provided by law) if at conclusion the risk did not exist, the claim had already occurred, or there was no insurable interest.

10. Prescription

Actions under this contract prescribe in two years from the day they could be exercised.

11. Communications between the parties

All communications must be in writing and governed by this article; exceptionally, where the law does not require writing, telephone communications from the insurer are valid if recorded on a durable medium with the recipient's prior express consent. The insurer may communicate by post, burofax, fax, email or SMS to the address/number in the policy (or later notified). Postal/burofax communications take effect from the first delivery attempt; email/SMS from receipt at the destination, regardless of whether opened. Communications via the mediating insurance agent have the same effect as if made directly; those by a broker on the policyholder's behalf as if made by the policyholder, unless stated otherwise.

12. Applicable law & 13. Jurisdiction

This contract is governed by Spanish law. The competent court for actions arising from it is that of the policyholder's domicile.

These General Conditions have been drafted in simplified form to aid understanding. Please read them carefully and ask your mediator or any Generali branch for any clarification. Source: GENERALI España de Seguros y Reaseguros S.A. — Generali Comunidad, Condiciones Generales, ref. G50918/GEN, edition G51082 (01/2026).