This post is also available in: Español (Spanish)

  • Definitions

    • 1. Actual value

      Is the amount of the disbursement which would be necessary in order to construct, and / or acquire, install or repair property of the same kind, quality, size, and / or capacity as the insured property, less physical depreciation as may correspond to years in service or obsolescence.

    • 2. Applicant

      Is the natural and / or artificial person signing the Insurance Policy and who is generally the same as the Insured.

    • 3. Artificial water reservoirs or streams

      Are dams, reservoirs, dykes, wells, artificial lakes, channels, rivers running in pipelines, and open sky spillways.

    • 4. Coinsurance

      Is the second expense to the Insured´s account and is specified as the percentage which shall be applied to the total amount of each and every one of the losses arising from an occurrence for which indemnity is payable, after the respective deductible has been applied. Such percentage shall be to the account of the Insured.

    • 5. Custom jewelry

      Is fake jewelry made of materials such as, but not limited to, amber, tin, quartz, nickel zinc and copper alloys.

    • 6. Deductible

      Is the first expense to the Insured´s account and is equal to either the amount or the percentage as specified in the Policy for each of the coverage items; for indemnity to be paid, the loss amount in any claim made shall exceed said deductible. If the amount claimed is less than the amount specified as deductible, said claimed amount shall be to the Insured´s account; if it exceeds the deductible, the Company shall only pay indemnity for the amount by which the deductible is exceeded.

    • 7. Description of transaction

      It is an explanation of the last amendment made to the Policy.

    • 8. Dome Window

      Are made of glass or acrylic materials having the shape of a cupola, placed on roofs or walls to admit light.

    • 9. Domestic Worker

      Is any person employed and paid a salary, only for the purpose of performing household related tasks, as well as any person carrying out maintenance work on the insured house.

    • 10. Dwelling

      Is any fixed construction, building, piece of real property, house or apartment made of resistant materials for dwelling purposes.

    • 11. Earthqueake

      Is an abrupt soil jolt which propagates in all directions and is caused by movement of the earth crust or at a deeper place.

    • 12. Fine art items

      Are those objects made by an artist or an artisan generally for decorative purposes, including usage of applied arts such as pottery, metalworking, furniture, tapestry and enamel.

    • 13. Finished Building

      Is any piece of real property ready for occupancy, having all of its windows and glasses installed in place, finished floors, doors in place, walls and roofs.

    • 14. Flood

      Is the temporary accidental overflowing of water onto land, covering it as a result of the deviation, overflowing, or retaining wall breakage, affecting rivers, channels, lakes, dams, ponds or any other water reservoirs or streams, either natural or manmade.

    • 15. Flood due to rain

      Is the temporary accidental covering of the ground by rain water as a result of an unusual and quick water accumulation or displacement caused by extraordinary rainfall and complying with any of the following:

      • • Rainfall equal to at least 85% of the weighted average of maximum rainfall at the area of occurrence, computed in accordance with the procedure published by A.M.I.S. (Mexican Association of Insurance Institutions), which may be consulted at the following Internet Website:

        www.amis.org.mx/lluvias/metodologia.html; and measured at the closest meteorological sattion, this station being certified by “Servicio Meteorologico Nacional de la Comision Nacional del Agua”, or

      • • Insured property is located within a flooded zone having a minimum extension of one hectare (Translator´s note: one hectare is equal to 100 ares or 10,000 square meters).

    • 16. Foundations

      Is that part of a building or construction which is located under ground level or under the level of the lowest accessible room; it is made of masonry, reinforced concrete, steel or concrete, and transmits upon the subsoil the loads borne by the structure.

    • 17. Frost

      Is a climatic phenomenon consisting in an unexpected fall in ambient temperature to levels below the water freezing temperature at the place of occurrence. Es una explicación de la última modificación realizada en la póliza.

    • 18. Furs

      Are pelts tanned in such a way as to preserve their natural hair covering on the outside; such as, but not limited to: linings, rugs, ornaments and warm garments.

    • 19. Glass Furniture Covers

      Are made preferably of glass, and placed on top of pieces of furniture such as: tables, shelves, desks, or other similar ones.

    • 20. Goldsmithing

      Objects intended for the table, religious, or ornamental purposes in general, made of metals but especially gold or silver.

    • 21. Hail

      Precipitation of atmospheric water falling with force taking the form of hard and compact ice crystal pellets.

    • 22. House Furnishings

      Is furniture and accessories integrated into a home. House furnishings are characterized by their capability of being moved as many times as necessary.

    • 23. Hurricane

      Air and water flow of a very big magnitude moving along a circular trajectory around a low pressure center over the ocean or land surface at a peripheral speed of impact winds equal or higher than 118 kilometers per hour, and which has been identified as such by any of the organizations officially authorized for that purpose.

    • 24. Insurance Contract

      Is a voluntary agreement by virtue of which the Company undertakes, against payment of a premium, to indemnify a damage or to pay an amount of money upon occurrence of the contingency provided for in the contract. The Policy and any of its versions, as well as the Application Form and the General Conditions are an integral part of the Insurance Contract and constitute proof of said contract having been entered into by the Applicant and the Company.

    • 25. Insured

      Is the natural person who is, either themselves or their property or economic interests, exposed to any of the risks covered under this Policy. Said person is shown specified on the Policy Face.

    • 26. Insured Amount

      Is the value set forth for a coverage item, specific piece of property, or specific risk and which the Company is obligated to pay, as a maximum, at the time of loss occurrence. Computation of the insured amount for each coverage item shall be governed by the provision set forth in the “Maximum Liability Limit” subparagraph in each one of the coverage item specified in the “Coverage items” chapter.

    • 27. Jewelry

      Includes objects intended for personal embellishment, created by combining: precious metals and / or stones, pearls or fine stones.

    • 28. Lacking or insufficient drainage at the Insured´s real property

      Lacking or insufficient capacity of the drainage or rain drainage systems of the water or plumbing installations at the Insured´s real property preventing said systems from evacuating the waste substances generated by usage of said real property, or by rain water captured at said real property and bringing about saturation of such systems and their resulting overflowing

    • 29. Mud Avalanche

      Is a mud slide caused by flood or rain.

    • 30. Natural water reservoirs or streams

      Are those coming from tributary rivers, rivers, springs, streams, brooks, small rivers, or water contained in lakes or lagoons.

    • 31. Obsolete

      Not often used, fallen in disuse, antiquated, inadequate for present requirements.

    • 32. Payable indemnity

      Is the formula applied in determining the indemnity amount which is to be settled by the Company in the event of a partial loss and according to which, in the event of under-insurance (the insured amount contracted for is lower than the replacement value of the insured object), the damage settlement is computed by taking into consideration the proportion which the insured amount bears to the replacement value at the time of the loss.

    • 33. Policy

      Is a document instrumental in implementing the Insurance Contract and reflecting the rules which in a general, particular or special way govern the rights and obligations between the Insured and the Company.

    • 34. Policy Face

      Is the document containing the general identification data as well as specification of duties and rights of the parties.

    • 35. Rent

      Rent shall be understood to mean any of the amounts which the Insured receives on account of the real property lease, without including:

      • a) Salaries paid to the janitor or administrator
      • b) Commissions for collection of rents or for building administration
      • c) Taxes
      • d) Heating, water, power, telephone and gas costs
      • e) Any other expenses which cease as a result of the loss and are included in the rent.

      All those expenses payable by the Insured (lessor)

    • 36. Replacement value

      Is the amount which would have to be disbursed in order to construct, and / or acquire, install or repair property of the same kind, quality, size, and / or capacity as the insured property, without any deductions being made on account of physical depreciation due to years in service or obsolescence.

    • 37. Retaining Walls

      Are elements used in construction and built in such a way as to fulfill their function of restraining and bounding soil, generally resisting the horizontal stresses produced by lateral push, and working also as foundations without being bound to the structure of a building.

    • 38. Sea Swell

      Ocean disturbance consisting in an excessive rise of ocean water caused by a low pressure or a meteorological disturbance which is a combination of a decrease in atmospheric pressure and a shear force caused by winds on the ocean surface.

    • 39. Snowfall

      Is the precipitation of ice crystals taking the form of flakes.

    • 40. Solid walls and roofing

      Are those made of stone, brick, concrete block, reinforced concrete, with sections made of glass, block or any other materials of similar endurance being permissible.

    • 41. Stained-glass window

      Is a glass surface made of stained-glass pieces of several colors joined together by means of lead stripes and covering the window openings.

    • 42. Tidal Wave

      Is a violent movement of sea water as a result of a jolt in the bottom which causes the water level to rise and displace towards the coast, thus causing floods to occur.

    • 43. Uninhabited or derelict houses or apartments intended for swelling purposes

      Is real property not capable of being inhabited by persons or not being used on an everyday basis. Use on an everyday basis shall be proven by producing receipts showing changing levels of power, water or telephone service usage for a 6-month period immediately previous to the loss.

    • 44. Version

      Is the document issued by the Company subsequently to the Insurance Contract inception date, keeping the same Policy number and reflecting the current Insurance Contract terms and conditions.

    • 45. Volcanic Eruption

      Is the emission of solid, liquid or gaseous matter through openings or cracks in the earth crust.

    • 46. Windstorm

      Winds reaching at least the category of tropical depression, tornado, or grade 8 according to the Beaufort scale (62 km/h).

  • II Covered property under the Fire All Risk Coverage

    • A Real Property

      This Policy covers damage sustained by insured real property specified on the Policy Face, arising from any of the risks contracted for and specified in the Coverage Items chapter. Property constituting the piece of real property is:

      1. • Material building construction, annexed buildings, rooms, enclosing walls, fences, yards and floors in open-air areas.
      2. • Fixed installations at floor level for water, air conditioning, drainage services and for electrical power, gas, electrical and electronic cables.
      3. • Building fixtures
      4. • Fixed installations which due to their own nature must be in the open air or in open buildings.
      5. • Swimming pools and their ancillary installations.
      6. • Finished buildings, regardless of whether any parts of them are being remodeled or improved.


      The following shall not be deemed part of the real property and are therefore excluded:

      1. • Grounds, land and gardens.
      2. • Foundations, retaining walls and fixed installations under ground level.
      3. • Buildings under construction.
      4. • Mural paintings and frescoes.
      5. • Billboards and other similar structures through which a profit is obtained.
    • B Contents of real Property

      This policy covers damage sustained by contents in the real property specified on the Policy Face arising from any of the risks contracted for and specified in the Coverage Items chapter. Property items constituting contents of real property are:

      1. • Furnishings and any other contents proper to a dwelling house, even if they are at a repairor service shop.
      2. • Equipment adequate for use in a dwelling house and by means of which no profit is made, no trade taken up, and no profession practiced; including those which due to their own nature must be fixed to the piece of real property; such as, but not limited to: radio and T.V. parabolic antennas for domestic use, steam generators, water pumps, air conditioning equipment, appliances, electronic equipment. Appliances and electronic equipment shall be understood to mean property such as, but not limited to:
        1. ○ Appliances: refrigerators, freezers, irons, laundry washing machines, laundry driers, dishwashers, air conditioning and heating equipment, gas, electrical and electronic ovens.
        2. ○ Electronic equipment: T.V. sets, antennas, DVD´s, videocassette players, blu-ray players, personal computers, printers, video cameras, digital cameras, sound equipment and video games, without including game cartridges, cables or controls.
        3. ○ Furnishings and any other contents proper to a dwelling house but temporarily under the Insured´s custody and responsibility at the insured real property.
        4. ○ Property designed and manufactured to remain in the open air.

        The following shall not be deemed contents of the piece of real property and are therefore excluded:

        1. • Money and securities, titles, post- or other kind of seals or stamps, bonds, equities or other documents (either negotiable or non negotiable).
        2. • Books of record, of any kind.
        3. • Artifacts in disuse.
        4. • Patterns, molds and models.
        5. • Watercraft and aircraft of any kind.
        6. • Land vehicles, motor-propelled, requiring license plates to transit on public thoroughfares.
        7. • Articles intended for commercial, professional, or industrial use or application, used by the Insured to pursue activities intended to afford a benefit.
        8. • Bullion or pieces of precious metals or stones of any kind, used in jewelry but not set.
  • III Coverage Items

    • I Damages sustained by real property, arising from Fire All Risk

      • A. Damages sustained by the piece of real property – basic coverage

        • 1. Coverage

          Losses sustained by the piece of real property arising from any of the following risks:

          1. a) Fire, lightning strike or explosion.
          2. b) Acts committed by persons taking part in stoppages, strikes, labor related disturbances, rallies, civil commotion, rebellion, or by malicious persons while said acts are taking place; or else damage caused by legally acknowledged authorities which in fulfillment of their functions take measures to suppress said actions and for that purpose take part in such actions.
          3. c) Impact of aircraft or of objects falling from it.
          4. d) Falling down of trees, antennas, billboards or other similar structures (except for those by means of which a benefit is obtained).
          5. e) Smoke or soot produced outside the Insured´s premises.
          6. f) Water or steam coming from breakage in pipelines or in supply systems located above floor level within the Insured´s premises.
          7. g) Collision of vehicles not owned by the Insured or by their economic dependents.
          8. h) Accidental breakdown of machinery or equipment suitable to a dwelling house.
          9. i) Any other sudden and unforeseen risk, not explicitly excluded.
        • 2. Maximum Liability Limit

          The Company´s liability limit shall be equal to the replacement value of affected property at the moment of loss occurrence, the Insured Amount set forth on the Policy Face being the maximum limit.

        • 3. Deductible

          The deductible amount applicable to each claim shall be equal to the sum set forth on this Policy´s Face. If it is set forth as a percentage, the deductible amount shall be determined by applying the percentage set forth on the Policy Face to the insured amount.

        • 4. Coinsurance

          This coverage takes effect without application of any coinsurance.

        • 5. Sequence for application of the deductible and the coinsurance in determining the indemnity

          Whenever the Insurance at First Risk does not take effect, that is, whenever the Payable Indemnity clause is applicable, the Company shall adjust the respective loss in accordance with the definition of “Payable Indemnity” in these General Conditions. The corresponding deductible shall be subsequently applied.

        • 6. Exclusions

          In addition to the provisions in the chapter “General Exclusions Applicable to all Coverage Items” of this policy, this “Damages sustained by the piece of real property – basic coverage” shall in no case provide coverage for:

          1. a) Damages caused by normal ground settling.
          2. b) Damages caused by earthquake or volcanic eruption.
          3. c) Loss or damage arising from hydro meteorological risks, said risks being understood to be: mud avalanche, hail, frost, hurricane, flood, flood due to rain, sea swell, tidal wave, snowfall or windstorm.
          4. d) Damages sustained by property under construction, erection or dismounting.
          5. e) Robbery, theft, misplacement, disappearance, and / or loss.
          6. f) Faulty or deficient supply of electrical power, water, or gas.
      • B. Hydro meteorological risks

        • 1. Coverage

          Physical loss or damage sustained by the piece of real property arising from mud avalanche, hail, frost, hurricane, flood, flood due to rain, sea***, tidal wave, snowfall, or windstorm.


          All losses sustained by covered property arising from covered risks shall be deemed one single loss if they take place in the course of one single occurrence going on for a period of up to 72 hours from the moment damage to insured property begins, if any of the risks specified for this coverage is concerned, except for flood, in which case said period shall be extended to 168 hours. Any occurrence exceeding 72 consecutive hours for all of the risks specified in this coverage or 168 hours for flood, shall be deemed two or more separate occurrences.

        • 2. Maximum Liability Limit

          The Company´s Maximum Liability Limit under this coverage shall be equal to the one contracted for under: Damages sustained by the piece of real property 􀂱 basic coverage.

        • 3. Deductible

          For this coverage to take effect a deductible shall be applied to each and every claim made. The deductible amount shall be equal to the sum set forth on this Policy´s Face. If it is set forth as a percentage, the deductible amount shall be computed by applying the percentage set forth on this Policy´s Face to the Insured Amount under Damages sustained by the piece of real property 􀂱 basic coverage. If coverage is provided by the Policy for two or more pieces of real property, the deductible shall be applied independently to each one of the affected pieces of real property.

        • 4. Coinsurance

          For this coverage to take effect, a coinsurance to the Insured´s account shall be applied. The amount shall be equal to the sum set forth on this Policy´s Face. If it is set forth as a percentage, the coinsurance amount shall be computed by applying the percentage set forth on this Policy´s Face to the total damage amount for which indemnity is payable (after deduction of any applicable deductibles has been made).

        • 5. Sequence for application of the deductible and the coinsurance in determining the indemnity.

          Whenever the Insurance at First Risk does not take effect, that is, whenever the Payable Indemnity clause is applicable, the Company shall adjust the respective loss in accordance with the definition of payble indemnity. in these General Conditions. The corresponding deductible shall be subsequently applied and finally, the coinsurance.

        • 6. Exclusions

          In addition to the provisions in the chapter “General Exclusions Applicable to all Coverage Items” of this Policy, this Hydro Meteorological Risks coverage shall in no case provide coverage for:

          • • Standing crops, orchards, woods, parcels.
          • • Animals
          • • Standing water, running water, rivers, and groundwater.
          • • Plots of land, including surface, fillings, drainage and sewerage.
          • • Personal property in the open air.
          • • Foundations and underground installations.
          • • Any kind of property built or totally or partially located on water or under the water.
          • • Damage caused to beaches or loss of beaches.
          • • Golf courses.
          • • Finished buildings which due to the nature of their occupancy either partially or locally lack doors, windows, or complete solid walls, whenever such buildings were not designed to endure said circumstances.
          • Damage caused by wetting or humidity arising from seepage of underground or phreatic water occurring because of:

            1. ○ Faulty design or construction of roofing, walls or floors.
            2. ○ Fissures or cracks in foundations or retaining walls.
            3. ○ Faulty waterproofing materials or their application
            4. ○ Lack of maintenance
            5. ○ Lacking or faulty construction of doors, windows, or walls.
          • • Damage caused to the interior of buildings or their contents by wetting, wind, hail, snow or rain, unless the building roofing, walls, external doors or windows have been destroyed or damaged through the action of wind, or of water, hail or snow or by the accumulation of them. This exclusion does not apply in the event of flood or flood due to rain.
          • • Damage caused by corrosion, rust, erosion, mold, or plagues of any kind, or by any other gradual deterioration resulting from environmental or natural conditions.
          • • Backward water flow in the sewerage system and / or lacking or insufficient drainage at the Insured´s premises.
          • • Damage sustained by buildings or their contents arising from undermining caused by tidal wave, if said buildings are located at the first line of buildings near the sea and are not protected by a retaining wall whose foundation is made of a reinforced concrete structure or by tetrapod jetties or breakwater structures made of reinforced concrete. Except for those located farther than 50 meters from the line of wave breakage when tide is high or more than 10 meters above sea level.
          • • Damage sustained by buildings or their contents due to tidal waves whenever the piece of real property and their contents are located between the retaining wall and the wave breaker.
          • • Damage caused by tidal wave whenever the piece of real property lacks foundation, reinforced concrete foundation or reinforced concrete retaining walls.
          • • Damage caused in cellars or semi-cellars by tidal wave or flood or flood due to rain or mud avalanche, cellars or semi cellars being understood to be any rooms all of whose perimeter walls are totally or partially below natural ground level.
          • • Damage or loss due to flood not extending farther than the real property and its contents, unless the flood has an extension bigger than 100 ares.
          • • Damage or loss caused by flood or flood due to rain or mud avalanche, to property located in areas deemed high flood risk or high mud avalanche risk by the competent authorities, or else in settlements built in areas lacking the required authorization or in deep valleys or narrow passes.
          • • Contamination caused by rain water, unless the insured real property has sustained physical damage.
          • • Damage or loss caused by contamination, unless covered property sustains property damage caused by any of the covered risks, contamination being hence caused to covered property.
          • • Damage, loss or expense resulting from environmental decontamination or clean-up (of soil, subsoil, air or water).
      • C Earthquake and / or Volcanic Eruption

        • 1. Coverage

          Covers losses for property damage sustained by the insured piece of real property as a result of earthquake and / or volcanic eruption. Damages caused by an earthquake and / or volcanic eruption shall give rise to a separate claim for each one of such occurrences; but if several occurrences take place within any 72 consecutive-hour period during the policy period, they shall be deemed one single occurrence and the damages caused shall be included in one single claim.

        • 2. Maximum liability limit

          The Company´s Maximum Liability Limit under this coverage shall be equal to the one contracted for under: Damages sustained by the piece of real property – basic coverage.

        • 3. Deductible

          The amount of deductible shall be equal to the sum set forth on this Policy´s Face. If it is set forth as a percentage, the deductible amount shall be computed by applying the percentage set forth on this Policy´s Face to the Insured Amount under Damages sustained by the piece of real property 􀂱 basic coverage. If the Policy covers two or more pieces of real property, the deductible shall be applied separately to each one of the affected pieces of real property.

        • 4. Coinsurance

          For this insurance to take effect, a coinsurance to the Insured´s account shall be applied. The amount shall be equal to the sum set forth on this Policy´s Face. If it is set forth as a percentage, the coinsurance amount shall be computed by applying the percentage set forth on this Policy´s Face to the total damage amount for which indemnity is payable (after deduction of any applicable deductibles has been made).

        • 5. Sequence for application of the deductible and / or the coinsurance in determining the indemnity.

          Whenever the Insurance at First Risk does not take effect, that is, whenever the Payable Indemnity clause is applicable, the Company shall adjust the respective loss in accordance with the definition of “Payable Indemnity” in these General Conditions. The corresponding deductible shall be subsequently applied and finally, the coinsurance.

        • 6. Exclusions

            For this conerage only the exclusions set forth in the “General Exclusions Applicable to all Coverage Items” chapter shall apply.

      • D Property in the open air

        • 1. Coverage

          Subject to the general and particular conditions of the Policy this coverage is attached to, and up to the limit of the insured amount contracted for, property subject matter of this coverage is covered against property damage or loss caused by: mud avalanche, hail, frost, hurricane, flood, flood due to rain, tidal wave, snowfall and windstorm.


          Property specified below may be covered against property damage they sustain if in the Detail of Coverage Items the coverage for Property in the Open is set forth as provided, with insured amounts separately set forth as sublimit and against payment of the corresponding additional premium.

          • Finished buildings totally or partially lacking roofing, walls, doors or windows, provided such buildings have been designed and / or constructed to operate under said circumstances, in accordance with the applicable construction regulations in force on the date of construction.
          • Stationary machinery and / or equipment as well as their installations, either totally or partially located in the open air or located in the interior of buildings partially or totally lacking roofing, doors, windows or walls, provided such machinery / equipment have been specifically designed to operate under such circumstances and are properly anchored.
          • Property other than machinery which due to their own nature are located in the open air, property meant here being property located in the outside the buildings or in the interior of buildings totally or partially lacking roofing, doors, windows or walls such as, but not limited to:

            1. a. Swimming pools
            2. b. Walkways, roads, streets, sidewalks, or yards in the interior of the Insured´s premises.
            3. c. Outdoor ornamental elements
            4. d. Sports installations and / or fields or courts
            5. e. Lighting fixtures
            6. f. Retaining walls made of reinforced concrete, walls, perimeter fences or wire meshes, as well as their doors or gates.
            7. g. Palapas and pergolas
            8. h. Watering systems including their piping networks
            9. i. Solar panels

            Personal property or such portions of the piece of real property located at cellars or semi cellars, cellars or semi cellars being understood to be any rooms all of whose perimeter walls are totally or partially located below natural ground level.

        • 2. Maximum liability limit

          The Company´s maximum liability limit under this coverage shall be the insured amount set forth on the policy face.

        • 3. Deductible

          For this coverage to take effect a deductible shall be applied to each and every claim made. The deductible amount shall be equal to the sum set forth on this Policy´s Face. If it is set forth as a percentage, the deductible amount shall be computed by applying the percentage set forth on this Policy´s Face to the Insured Amount.

        • 4. Coinsurance

          For this insurance to take effect, a coinsurance to the Insured´s account shall be applied. The amount shall be equal to the sum set forth on this Policy´s Face. If it is set forth as a percentage, the coinsurance amount shall be computed by applying the percentage set forth on this Policy´s Face to the total damage amount for which indemnity is payable (after deduction of any applicable deductibles has been made). Whenever fixed installations located outside are concerned, coinsurance to the Insured´s account for such installations shall be in an amount equivalent to 20% of the loss or damage amount for which indemnity is payable.

        • 5. Sequence for application of the deductible and / or the coinsurance in determining the indemnity.

          Whenever the Insurance at First Risk does not take effect, that is, whenever the Payable Indemnity clause is applicable, the Company shall adjust the respective loss in accordance with the definition of “Payable Indemnity” in these General Conditions. The corresponding deductible shall be subsequently applied and finally, the coinsurance.

        • 6. Exclusions

          In addition to the provisions in the “Exclusions applicable to all coverage items” chapter of this Policy, coverage for property in the open air shall in no case be provided for:

          • • Standing crops, orchards, woods, parcels.
          • • Animals
          • • Standing water, running water, rivers, and groundwater.
          • • Plots of land, including surface, fillings, drainage and sewerage.
          • • Dykes, breakwater structures, natural reservoirs, channels, wells, tunnels, bridges and floating installations and equipment.
          • • Personal property in the open air.
          • • Foundations and underground installations.
          • • Any kind of property built or totally or partially located on water or under the water.
          • • Damage caused to beaches or loss of beaches.
          • • Golf courses.
          • • Damage caused by wetting or humidity arising from seepage of underground or phreatic water occurring because of:

            1. ○ Faulty design or construction of roofing, walls or floors.
            2. ○ Fissures or cracks in foundations or retaining walls.
            3. ○ Faulty waterproofing materials or their application
            4. ○ Lack of maintenance
            5. ○ Lacking or faulty construction of doors, windows, or walls.
          • • Damage caused to the interior of buildings or their contents by wetting, wind, hail, snow or rain, unless the building roofing, walls, external doors or windows have been destroyed or damaged through the action of wind, or of water, hail or snow or by the accumulation of them. This exclusion does not apply in the event of flood or flood due to rain.
          • • Damage caused by corrosion, rust, erosion, mold, or plagues of any kind, or by any other gradual deterioration resulting from environmental or natural conditions.
          • • Backward water flow in the sewerage system and / or lacking or insufficient drainage at the Insured´s premises.
          • • Damage sustained by buildings or their contents arising from undermining caused by tidal wave, if said buildings are located at the first line of buildings near the sea and are not protected by a retaining wall whose foundation is made of a reinforced concrete structure or by tetrapod jetties or breakwater structures made of reinforced concrete. Except for those located farther than 50 meters from the line of wave breakage when tide is high or more than 10 meters above sea level.
          • • Damage sustained by buildings or their contents due to tidal waves whenever the piece of real property and their contents are located between the retaining wall and the limit of waves.
          • • Damage caused by tidal wave whenever the piece of real property lacks foundation, reinforced concrete foundation or reinforced concrete retaining walls.
          • • Damage caused in cellars or semi-cellars by tidal wave or flood or flood due to rain or mud avalanche, cellars or semi cellars being understood to be any rooms all of whose perimeter walls are totally or partially below natural ground level.
          • • Damage or loss from floods that are confined to the buildings where the building and its contents are, unless flooding extends beyond one hectare
          • • Damage or loss caused by flood or flood due to rain or mud avalanche, to property located in areas deemed high flood risk or high mud avalanche risk by the competent authorities, or else in settlements built in areas lacking the required authorization or in deep valleys or narrow passes.
          • • Contamination caused by rain water, unless the insured real property has sustained physical damage.
          • • Damage or loss caused by contamination, unless covered property sustains property damage caused by any of the covered risks, contamination being hence caused to covered property.
          • • Damage, loss or expense resulting from environmental decontamination or clean-up (of soil, subsoil, air or water).

    • II Damages sustained by contents, arising from Fire All Risk

      • A Damage sustained by contents – basic coverage

        • 1. Coverage

          Any loss sustained by Contents of the piece of real property arising from any of the risks set forth in subparagraphs a) to i), save for h), of the “Damages sustained by” the piece of real property 􀂱 ba􀁖􀁌c c􀁒􀁙e􀁕a􀁊e􀂴

        • 2. Maximum Liability Limit

          The Company´s maximum liability limit shall be equal to:

          • a. Replacement value the concerned contents have at the time of loss occurrence, up to a maximum limit equal to the Insured Amount set forth on the Policy Face.
          • b. Whenever fine arts items are concerned, the maximum liability limit for all and every one of the pieces of property of this kind shall be up to 25% of the insured amount set forth in the Policy for the Contents coverage.
        • 3. Deductible

          The amount of deductible shall be equal to the sum set forth on this Policy´s Face. If it is set forth as a percentage, the deductible amount shall be computed by applying the percentage set forth on this Policy´s Face to the Insured Amount. In respect of the risks specified in subparagraph a) of “Damage sustained by the piece of real property – basic coverage” no deductible is applicable for the coverage to apply.

        • 4. Coinsurance

          No coinsurance is applicable for this coverage to take effect.

        • 5. Sequence for application of the deductible and / or the coinsurance in determining the indemnity.

          Whenever the Insurance at First Risk does not take effect, that is, whenever the Payable Indemnity clause is applicable, the Company shall adjust the respective loss in accordance with the definition of “Payable Indemnity” in these General Conditions. The corresponding deductible shall be subsequently applied.

        • 6. Exclusions

          In addition to the provisions set forth in the “General Exclusions Applicable to all Coverage Items” Chapter of this Policy, the “Damage sustained by contents – basic coverage” shall in no case provide coverage for:

          1. a) Damage caused by normal ground settling.
          2. b) Damage caused by earthquake or volcanic eruption.
          3. c) Faulty or deficient electrical power, water or gas supply.
          4. d) Loss or damage caused by hydro meteorological risks, such risks understood to be any of the following: mud avalanche, hail, frost, hurricane, flood, flood due to rain, sea swell, tidal wave, snowfall or windstorm.
          5. e) Damage sustained by property under construction, erection or dismantling.
          6. f) Robbery, steal, misplacement, disappearance and / or loss.
          7. g) Accidental breakdown of the machinery or equipment of a habitational dwelling.
          8. h) Sudden and unforeseen loss sustained by electronic equipment or appliances proper to a dwelling house, arising from any of the following risks: i. Unskillfulness, carelessness, or sabotage. ii. Effects of electrical power as a result of short circuit, discharge, or other similar effects or property damage due to effects of atmospheric electricity. iii. Breakage due to centrifugal force. iv. Foreign bodies being introduced into insured property.
      • B Hydro meteorological risks

        • 1. Coverage

          Coverage is provided for physical loss or damage sustained by contents of the piece of real property, arising from any of the risks specified under Hydro Meteorological Risks sustained by real property. All losses sustained by covered property arising from covered risks shall be deemed one single loss if they take place in the course of one single occurrence going on for a period of up to 72 hours from the moment damage to insured property begins, if any of the risks specified for this coverage is concerned, except for flood, in which case said period shall be extended to 168 hours. Any occurrence exceeding 72 consecutive hours for all of the risks specified in this coverage or 168 hours for flood, shall be deemed two or more separate occurrences.

        • 2. Maximum Liability Limit

          The Company´s Maximum Liability Limit under this coverage shall be equal to the one contracted for under: Damages sustained by contents 􀂱 basic coverage.

        • 3. Deductible

          For this coverage to take effect a deductible shall be applied to each and every claim made. The deductible amount shall be equal to the sum set forth on this Policy´s Face. If it is set forth as a percentage, the deductible amount shall be computed by applying the percentage set forth on this Policy´s Face to the Insured Amount under Damages sustained by Contents 􀂱 basic coverage. If the Policy covers two or more pieces of real property, the deductible shall be applied separately to the contents in each one of the affected pieces of real property.

        • 4. Coinsurance

          For this coverage to take effect, a coinsurance to the Insured´s account shall be applied. The amount shall be equal to the sum set forth on this Policy´s Face. If it is set forth as a percentage, the coinsurance amount shall be computed by applying the percentage set forth on this Policy´s Face to the total damage amount for which indemnity is payable (after deduction of any applicable deductibles has been made). Whenever stationary installations located in the open air are concerned, the coinsurance to the Insured´s account shall be equivalent to 20% of the loss or damage amount for which indemnity is payable.

        • 5. Sequence for application of the deductible and the coinsurance in determining the indemnity.

          Whenever the Insurance at First Risk does not take effect, that is, whenever the Payable Indemnity clause is applicable, the Company shall adjust the respective loss in accordance with the definition of “Payable indemnity” in these General Conditions The corresponding deductible shall be subsequently applied and finally, the coinsurance.

        • 6. Exclusions

          In addtion to the provisions in the “General Exclusions Applicable to all Coverage items” chapter of this Policy, exclusions applicable to this “Damages sustained by Containts – Hydro Meterological Risks” shall be exactly the same as already specified for: “Damages sustained by Real Property – Hydro Meteorological Risks”.

      • C Earthquake and / or Volcanic Eruption

        • 1. Coverage

          Coverage is provided for property damage sustained by contents in the insured real property arising from any of the risks specified under “Damages sustained by Real Property – Earthquake and / or Volcanic Eruption. Damages caused by an earthquake and / or volcanic eruption shall give rise to a separate claim for each one of such occurrences; but if several occurrences take place within any 72 consecutive-hour period during the policy period, they shall be deemed one single occurrence and the damages caused shall be included in one single claim.

        • 2. Maximum Liability Limit

          The Maximum Liability Limit under this coverage shall be equal to the one contracted for under “Damages sustained by Contents – basic coverage.

        • 3. Deductible

          The deductible amount applicable to each claim shall be equal to the sum set forth on this Policy´s Face. If it is set forth as a percentage, the deductible amount shall be computed by applying the percentage set forth on this Policy´s Face to the Insured Amount under Damages sustained by Contents 􀂱 basic coverage. If the Policy covers two or more pieces of real property, the deductible shall be applied separately to the contents in each one of the affected pieces of real property.

        • 4. Coinsurance

          For this coverage to take effect, a coinsurance to the Insured´s account shall be applied. The amount shall be equal to the sum set forth on this Policy´s Face. If it is set forth as a percentage, the coinsurance amount shall be computed by applying the percentage set forth on this Policy´s Face to the total damage amount for which indemnity is payable (after deduction of any applicable deductibles has been made).

        • 5. Sequence for application of the deductible and the coinsurance in determining the indemnity.

          Whenever the Insurance at First Risk does not take effect, that is, whenever the Payable Indemnity clause is applicable, the Company shall adjust the respective loss in accordance with the definition of “Payable Indemnity” in these General Conditions. The corresponding deductible shall be subsequently applied and finally, the coinsurance.

        • 6. Exclusions

          For this coverage, only the provisions in the “General Exclusions Applicable to all Coverage items” chapter of this Policy shall apply.

    • III Consequential Loss

      • Debris Removal

        • 1. Coverage

          Payment of expenses for demolition and debris removal incurred on account of the items detailed below, arising from occurrence of any of the risks covered under the coverage items: Damage sustained by real property 􀂱 basic coverage; Damage sustained by contents 􀂱 basic coverage; Damage sustained by real property 􀂱 Hydro Meteorological Risks; Damage sustained by contents – Hydro Meteorological Risks; Damage sustained by real property 􀂱 Earthquake and / or volcanic eruption; Damage sustained by real property contents – Earthquake and / or volcanic eruption, to the extent they are contracted for and as set forth on the Policy Face. Items of demolition and debris removal expenses covered under this Policy are: dismantling, demolition, clean-up and cartage. Debris removal shall take effect at the moment proof has been provided of covered damage having been caused by the risks causing them. It is the Insured´s obligation to follow the instructions which the Company may give in order to minimize the risk.

        • 2. Maximum Liability Limit

          The Company´s Maximum Liability Limit is set forth on this Policy´s Face and takes effect as only insured amount for the several risks and items insured under this coverage.

        • 3. Deductible

          For this coverage to take effect, the applicable deductible is equal to the deductible for the coverage item whose insured risks have given rise to the claim; said coverage items being: Damage sustained by real property 􀂱 basic coverage; Damage sustained by contents 􀂱 basic coverage; Damage sustained by real property 􀂱 Hydro Meteorological Risks; Damage sustained by contents – Hydro Meteorological Risks; Damage sustained by real property 􀂱 Earthquake and / or volcanic eruption; Damage sustained by real property contents – Earthquake and / or volcanic eruption, to the extent they are contracted for and as set forth on the Policy Face. If the deductible is set forth as a percentage, the deductible amount shall be computed by applying the percentage specified on the Policy Face for the coverage item whose insured risks have given rise to the claim, to the Insured Amount under the Debris Removal coverage.

        • 4. Coinsurance

          This coverage takes effect without application of any coinsurance.

        • 5. Sequence for application of the deductible and the coinsurance in determining the indemnity.

          For this coverage Insurance at First Risk always applies; that is, the Payable Indemnity Clause is not applicable.

        • 6. Exclusions

          For this coverage, only the provisions in the “General Exclusions Applicable to all Coverage items” chapter of this Policy shall apply.

      • B Extraordinary Expenses

        • 1. Coverage

          1. a) In the event that the Insured is owner or leaseholder of the insured real property: Payment of expenses incurred on account of the items detailed below, whenever the insured real property is in such a condition that renders it incapable of dwelling hence forcing the Insured to move to a different dwelling in order to maintain their life level; arising from occurrence of any of the risks covered under: Damage sustained by real property 􀂱 basic coverage; Damage sustained by contents 􀂱 basic coverage; Damage sustained by real property 􀂱 Hydro Meteorological Risks; Damage sustained by contents – Hydro Meteorological Risks; Damage sustained by real property 􀂱 Earthquake and / or volcanic eruption; Damage sustained by real property contents – Earthquake and / or volcanic eruption, to the extent they are contracted for and as set forth on the Policy Face. Items covered under this Policy are as follows: moving expense, hotel room, guest house, apartment or house rent, temporary warehousing of house furnishings including transport insurance cost.
          2. b) In the event that the Insured is lessor of the insured real property: Coverage is provided for the monetary prejudice sustained by the Insured on account of rents they do not receive from the insured real property, rented by means of a duly signed contract by both parties, because said property is rendered incapable of being used as a result of damage sustained arising from occurrence of any of the risks insured under: Damage sustained by real property 􀂱 basic coverage; Damage sustained by contents 􀂱 basic coverage. The above provision takes effect provided that documents are produced proving the loss of rent, said documents accounting for the payment due on the date immediately previous to the date of loss occurrence.

          Both subparagraphs a) and b) of this coverage take effect only for as long as reconstruction of the insured real property takes, up to a maximum of six months computed from the date of loss occurrence; regardless of said period ending after the Policy Period expiry date.

        • 2. Maximum Liability Limit

          The Company´s Maximum Liability Limit is set forth on the Policy Face and operates as the sole sum insured for the various risks and concepts that are protected under this coverage. Both subparagraphs a) and b) of this coverage take effect only for as long as reconstruction of the insured real property takes, up to a maximum of six months computed from the date of loss occurrence; regardless of said period ending after the Policy Period expiry date. In the event that the Insured is leaseholder of the insured real property, the indemnity for extraordinary expenses is limited to payment of the difference between the rent in the new dwelling and the rent they were paying on the date of loss occurrence.


          In the event that indemnity is in order for loss of rents, said indemnity shall be paid to the Insured for an amount equivalent to the rent payable as set forth in the lease contract, without exceeding the Insured Amount.

        • 3. Deductible

          This coverage takes effect without application of any deductible.

        • 4. Coinsurance

          This coverage takes effect without application of any coinsurance.

        • 5. Sequence for application of the deductible and the coinsurance in determining the indemnity.

          For this coverage Insurance at First Risk always applies; that is, the Payable Indemnity Clause is not applicable.

        • 6. Exclusions

          In addition to the provisions in the “General Exclusions Applicable to all Coverage items” chapter of this Policy, the coverage for Extraordinary Expenses shall in no case cover:

          • • Payment of deposits, bonds, taxes or any other similar payment. Payment for electrical power, telephone, or gas services.
          • • In the event that the Insured is lessor of the insured real property, the Company shall not be liable for :
          • • Damage caused to insured property due to, or resulting from, the Insured´s monetary impossibility to afford expenses required for reconstruction or repair of the real property whose rents are covered.
          • • Damage sustained by insured property due to, or resulting from, suspension, termination, lapse, or cancellation of any permit, license, lease contract, concession or authorization brought about by enforcement of any law or disposition issued by authorities governing real property construction or repair.
          • • Damage caused to insured property due to, or resulting from, strikers or persons taking part in stoppages, labor related disturbances, civil commotion or rebellion, hence interrupting or delaying reconstruction, repair or occupancy of the real property whose rents are covered.
          • • Damage caused to insured property due to, or resulting from faults arising from reconstruction or repair of the piece of real property; even though such reconstruction or repair are required to be done as a result of any of the risks covered hereunder occurring.
          • • Damage caused to insured property due to, or resulting from any liability ascribable to the leaseholder.
          • • Rents not received, due from lease of a piece of real property where the leaseholder bears either a civil, marital or seconddegree or closer blood relationship to the Insured, or else, if the Insured bears a civil responsibility for the leaseholder.
          • • Rents not received, due from lease of a piece of real property used for other than dwelling purposes.
          • • Rents not received, due from lease of a derelict or uninhabited piece of real property.
    • IV Glass Breakage

      • 1. Coverage

        Payment or replacement of glass, stained-glass windows, and glass domes being part of the piece of real property, including installation cost; as well as any stainedglass windows, glass covers, inner doors or dividing glass panels or mirrors being a part of the insured real property contents, as a result of breakage. For the above to apply, said glass, stained-glass windows, covers and glass domes shall have a minimum 4-mm thickness.

      • 2. Maximum Liability Limit

        The Company´s maximum liability limit shall be equal to the replacement value of concerned property items at the time of loss occurrence, up to a maximum limit equal to the Insured Amount set forth on the Policy Face.

      • 3. Deductible

        The deductible amount applicable to each claim shall be equal to the amount set forth on the Policy Face. If it is set forth as a percentage, the deductible amount shall be computed by applying the percentage set forth on the Policy Face to the Insured Amount under the Glass Breakage coverage.

      • 4. Coinsurance

        For this coverage to take effect, no coinsurance is required.

      • 5. Sequence for application of the deductible and the coinsurance in determining the indemnity.

        Whenever the Insurance at First Risk does not take effect, that is, whenever the Payable Indemnity clause is applicable, the Company shall adjust the respective loss in accordance with the definition of “Payable Indemnity” in these General Conditions. The corresponding deductible shall be subsequently applied.

      • 6. Exclusions

        For this coverage, only the provisions in the “General Exclusions Applicable to all Coverage Items” chapter of this Policy shall apply.

    • V Theft

      • A. House Furnishings

        • 1. Coverage

          Coverage is provided for theft of furnishings and other contents proper to a dwelling house and kept inside the insured real property, including jewelry, goldsmithing items, custom jewelry, watches, collections, fine arts items and money in cash, against following risks:

          • • Robbery committed leaving behind visible signs of violence on the insured real property. For the purposes of this Policy robbery is understood to be loss or damage resulting from the theft or attempt thereat, committed by one or more persons who, by using violence, access the interior from the exterior of the real property where covered property is, leaving behind visible signs of violence at the place where they entered.
          • • Theft by assault committed by means of moral or physical violence. For the purposes of this coverage theft by assault is understood to be damage or loss caused by attempt at assault, using moral or physical force or violence against the persons in the insured real property.
          • • Property damage resulting from violence used during the attempt at committing theft.
          • • This coverage shall in no case cover theft committed at uninhabited or derelict dwelling apartments or houses.
        • 2. Maximum Liability Limit

          The Maximum Liability Limit shall be equal to the actual value of property at the time of loss occurrence up to a limit equal to the Insured Amount set forth on the Policy Face; except for the following:

          • • For jewelry, goldsmithing items, custom jewelry, watches, collections and fine arts items, the maximum liability limit shall be of 1,000 Dollars per item or set, with the maximum indemnity limit on this account never exceeding 10% of the Insured Amount set forth for this coverage on the Policy Face.
          • • For money in cash the Maximum Liability Limit shall be 1,5% of the Insured Amount for this coverage, without exceeding 800 Dollars per Policy Period. If contracting for this coverage was made on the basis of theft safety measures existing and therefore warranting a discount, and such safety measures were not in place at the moment of loss occurrence, indemnity shall be decreased by the same percentage as the granted discount.
        • 3. Deductible

          The deductible amount applicable to each claim shall be equal to the amount set forth on the Policy Face. If it is set forth as a percentage, the deductible amount shall be computed by applying the percentage set forth on this Policy´s Face to the Insured Amount.

        • 4. Coinsurance

          For this coverage to take effect, no coinsurance is required.

        • 5. Sequence for application of the deductible and / or the coinsurance in determining the indemnity.

          Whenever the Insurance at First Risk does not take effect, that is, whenever the Payable Indemnity clause is applicable, the Company shall adjust the respective loss in accordance with the definition of “Payable Indemnity” in these General Conditions. The corresponding deductible shall be subsequently applied.

        • 6. Exclusions

          In addition to the provisions in the “General Exclusions Applicable to all Coverage items” chapter of this Policy, the coverage for house furnishings shall in no case cover: a) Theft of property in the open air.

      • B. Jewelry

        • 1. Coverage

          Provides coverage for theft of jewelry, goldsmithing items, watches and furs whose value is higher than 1,000 Dollars per item or set, kept inside the insured property, against the following risks:

          • • Robbery committed leaving behind visible signs of violence on the insured real property. For the purposes of this Policy robbery is understood to be loss or damage resulting from the theft or attempt thereat, committed by one or more persons who, by using violence, access the interior from the exterior of the real property where covered property is, leaving behind visible signs of violence at the place where they entered.
          • • Theft by assault committed by means of moral or physical violence. For the purposes of this coverage theft by assault is understood to be damage or loss caused by attempt at assault, using moral or physical force or violence against the persons in the insured real property.
          • Property damage resulting from violence used during the attempt at committing theft.
          • • This coverage shall in no case cover theft committed at uninhabited or derelict dwelling apartments or houses.
        • 2. Maximum Liability Limit

          The Maximum Liability Limit shall be equal to the actual value of property at the time of loss occurrence up to a limit equal to the Insured Amount set forth on the Policy Face. The insured amount for property insured under this coverage is established in conformity with its actual value supported with a valuation and / or invoice, either of which shall be submitted to the Company upon loss occurrence. In the event that neither valuation nor invoice is available, the maximum indemnity amount per item or set shall be 1,000 Dollars. If contracting for this coverage was made on the basis of theft safety measures existing and therefore warranting a discount, and such safety measures were not in place at the moment of loss occurrence, indemnity shall be decreased by the same percentage as the granted discount.

        • 3. Deductible

          The deductible amount applicable to each claim shall be equal to the amount set forth on the Policy Face. If it is set forth as a percentage, the deductible amount shall be computed by applying the percentage set forth on this Policy´s Face to the Insured Amount.

        • 4. Coinsurance

          For this coverage to take effect, no coinsurance is required.

        • 5. Sequence for application of the deductible and / or the coinsurance in determining the indemnity.

          Whenever the Insurance at First Risk does not take effect, that is, whenever the Payable Indemnity clause is applicable, the Company shall adjust the respective loss in accordance with the definition of “Payable Indemnity” in these General Conditions. The corresponding deductible shall be subsequently applied.

        • 6. Exclusions

          coverage for jewelry shall in no case cover: a) Theft of property in the open air.

      • C. Fine Arts Items

        • 1. Coverage

          Provides coverage for theft of Fine Arts Objects either difficult or impossible to replace, weapons, collections, whose value is higher than 1,000 Dollars per item or set, kept inside the insured real property, against the following risks:

          • Robbery committed leaving behind visible signs of violence on the insured real property. For the purposes of this Policy robbery is understood to be loss or damage resulting from the theft or attempt thereat, committed by one or more persons who, by using violence, access the interior from the exterior of the real property where covered property is, leaving behind visible signs of violence at the place where they entered.
          • Theft by assault committed by means of moral or physical violence. For the purposes of this coverage theft by assault is understood to be damage or loss caused by attempt at assault, using moral or physical force or violence against the persons in the insured real property.
          • Property damage resulting from violence used during the attempt at committing theft.
          • This coverage shall in no case cover theft committed at uninhabited or derelict dwelling apartments or houses.
        • 2. Maximum Liability Limit

          The Maximum Liability Limit shall be equal to the actual value of property at the time of loss occurrence up to a limit equal to the Insured Amount set forth on the Policy Face; The insured amount for property insured under this coverage is established in conformity with its actual value supported with a valuation and / or invoice, either of which shall be submitted to the Company upon loss occurrence. In the event that neither valuation nor invoice is available, the maximum indemnity amount per item or set shall be 1,000 Dollars. If contracting for this coverage was made on the basis of theft safety measures existing and therefore warranting a discount, and such safety measures were not in place at the moment of loss occurrence, indemnity shall be decreased by the same percentage as the granted discount.

        • 3. Deductible

          The deductible amount applicable to each claim shall be equal to the amount set forth on the Policy Face. If it is set forth as a percentage, the deductible amount shall be computed by applying the percentage set forth on this Policy´s Face to the Insured Amount.

        • 4. Coinsurance

          For this coverage to take effect, no coinsurance is required.

        • 5. Sequence for application of the deductible and / or the coinsurance in determining the indemnity.

          Whenever the Insurance at First Risk does not take effect, that is, whenever the Payable Indemnity clause is applicable, the Company shall adjust the respective loss in accordance with the definition of “Payable Indemnity” in these General Conditions. The corresponding deductible shall be subsequently applied.

        • 6. Exclusions

          In addition to the provisions in the “General Exclusions Applicable to all Coverage items” chapter of this policy, the coverage for Fine Arts Items shall in no case cover: a) Theft of property in the open air.

    • VI Home Civil Liability

      • A. Owner’s Civil Liability

        • 1. Coverage

          Civil liability arising from non-unintentional acts or omissions incurred by the Insured, for which they have a civil responsibility, and that causes death or health impairment to third parties or destruction of their property.

            a) The Company undertakes to cover:

          1. Payment for damage, harm and consequential suffering or moral distress for which the Insured is liable in conformity with the legislation in civil liability matters in force in the United States of Mexico, or a foreign legislation in the event of family trips abroad and with the provisions in this section.
          2. Payment for the Insured´s defense expenses which include, among other items: Payment of bond premiums for any judicial bonds the Insured must take out as payment guarantee for the amounts required from them by way of civil liability covered under this policy.


            Payment for legal expenses, costs and interests the Insured must pay by virtue of a judicial order or award having become res judicata.

          3. Payment of any expenses incurred by the Insured in connection with the processing and settlement of the claims.

            b) Liabilities covered by the Policy:

          1. 1. Family activities and real property

            Coverage is provided for civil liability for damage to third parties arising from private and family activities as leaseholder and / or owner of the dwelling house or apartment subject matter of this insurance and specified on the Policy Face, especially, but not limited to the following:

            • • Damage resulting from accidental and unforeseen water leakage.
            • • For practicing sports as amateur.
            • • For use of bicycles, skates, pedal or oar boats and non motor propelled vehicles.
            • • For possession or use of bladed weapons, air or fire arms, for purposes of hunting or target shooting, if they have a legal authorization to use and possess them.
            • • For damage caused by house pets, hunting and guard animals owned by the Insured.
            • • During trips for study, vacation or leisure.
            • • For damage caused to common areas in the condominium specified in the policy, in the event that the Insured lives in the condominium or is one of the owners, and deducting the percentage for undivided areas belonging them as co-owner of the common areas.
          2. 2. Family trips abroad

            Coverage is provided for legal civil liability the Insured may incur for damage to third parties arising from occurrences taking place during private trips for study, vacation or leisure, outside the Mexican Republic.

          3. 3. Domestic workers

            Coverage is provided for civil liability the Insured´s domestic workers may incur, as well as for bodily injuries the worker himself may sustain, while they are performing their functions. In the event of the domestic worker´s death or disability arising from performance of their functions, neither the deductible nor the coinsurance is applicable.

          4. 4. Insured Persons.

            • a. The person whose name and domicile are set forth in the Policy, is deemed Insured in respect of their civil liability for:

              • • Their own acts.
              • • Acts of their children still under their parental authority.
              • • Acts of disabled persons under their guardianship.
            • b. This insurance is extended to cover the personal civil liability of:
              • • The Insured´s spouse.
              • • The children, pupils or disabled, subject to the Insured´s authority or guardianship
              • • The Insured´s or their spouse´s parents if living permanently with the Insured or under their economic dependency.
              • • Sons and daughters of age, who by reason of study or bachelorhood still live permanently with them and under their economic dependency.
            • The persons specified above, (except for domestic workers), shall in no case be deemed third parties for the purposes of this coverage.
        • 2. Maximum Liability Limit

          The Company´s Maximum Liability Limit is set forth on the Policy Face and takes effect as only Insured Amount for the various risks covered hereunder. In addition, payment of the Insured´s defense expenses is covered but without exceeding 50% of the Insured Amount. The Insured Amount contracted for shall be the Company´s Maximum Liability Limit for one or all of the losses which may occur within the Policy Period. Occurrence of several damages during the Policy Period arising from the same or equal cause, shall be deemed one single loss, which in turn shall be deemed occurred at the moment the first loss in the series occurs.

        • 3. Deductible

          This coverage takes effect without coverage of any deductible, except for claims made for injuries the domestic worker himself sustains, while performing their functions. The deductible amount to the Insured´s account, applicable to each claim, shall be $50 Dollars or their equivalent if the Policy was issued in foreign currency.

        • 4. Coinsurance

          This coverage takes effect without application of any coinsurance, except for claims made for injuries the domestic worker himself sustains, as long as while performing their functions. The Coinsurance amount to the Insured´s account applicable to each claim, shall be 10% of the loss amount or damage subject to indemnity.

        • 5. Sequence for application of the deductible and / or the coinsurance in determining the indemnity.

          In the event of claims corresponding to damages the domestic worker sustains while performing their functions, the Company shall pay for each and every loss the amount which results after deducting in the first place, the deductible and subsequently the coinsurance. In this coverage Insurance at First Risk takes effect, and hence, the Payable Indemnity Clause is not applicable.

        • 6. Exclusions

          In addition to the provisions in the “General Exclusions Applicable to all Coverage items” chapter in this Policy, the Family Civil Liability coverage shall in no case cover:

          1. a) Liabilities arising from failure to perform under contracts or agreements and their corresponding substitute considerations.
          2. b) Liabilities arising from use, ownership or possession of watercraft, aircraft, or land motor vehicles. This exclusion does not apply in respect of land motor vehicles whose use is restricted to the interior of the Insured premises and which do not require license plates to be used in open spaces.
          3. c) Damage arising from participating in bets, races contests or sport competitions of any kind or in the previous preparation tests.
          4. d) Damage arising from operating an industry or business, or from having a trade, profession, a remunerated service, a position, even if they are of an honorary nature.
          5. e) Liabilities arising from remodeling and restoration works. f) Payment of bond or guarantee premiums required for the Insured to be released.
          • All and any claims arising abroad and accounting for, or in the nature of a penalty, fine, or punishment, such as those called for punitive damages, vindictive damages, exemplary damages, or any other bearing similar names.
      • B. Leaseholder’s Civil Liability

        • In addition to the coverage provided under the Owner´s Civil Liability Coverage Item, and subject to the same conditions, coverage is provided for civil liability the Insured may incur for damage which as a result of fire or explosion are caused to real property occupied under lease by the Insured, provided such damage is legally ascribed to them.

  • IV General Exclusions Applicable to all Coverage Items

      This insurance shall in no case provide coverage for:

    • 1. Deceit or bad faith on the part of the Insured, their economic dependents, dwellers of the insured real property or domestic workers.
    • 2. Loss damage or liability which are subject matter of a coverage which was has not been contracted for.
    • 3. Hostilities, war operations or activities, regardless of whether war is declared or not, rebellion, invasion of a foreign enemy, civil war, revolution, insurrection, suspension of guarantees, or events giving rise to said circumstances as a matter of fact or law.
    • 4. Loss, damage, liability or expense caused by:

      1. a. Terrorism, and / or
      2. b. Measures taken to prevent, stop, control or minimize the consequences resulting from any terrorist act, and / or
      3. c. Any consequential damage resulting from a terrorist act.
      4. Terrorism shall be understood to mean, for the purposes of this policy:

        1. a. Means any act, by a person or group of persons whether acting by themselves or on behalf of, or in connection with, any organization(s) or government(s), including but not limited to the use of force or violence and/or the threat thereof, committed for political, religious, ideological, or ethnic purposes or reasons aimed at overthrowing, influencing, or putting under pressure any de jura or de facto government in order to force them to make a decision; and/or to upset and put the public, or any section of the Documentation in Spanish shall always prevail over documentation in English 40 public, or sector of the economy in fear, uneasiness or terror; or else,
        2. b. Loss or property damage caused by such acts, arising from the use of explosives, toxic substances, fire arms or by any other means, either violent or not, against persons, things, or public services and which due to the possibility or threat to be repeated, cause alarm, fear, terror or uneasiness among the population or one group or sector of it. Also excluded is any damage or loss, costs or expense of any nature caused by, resulting from, or in connection with any action taken to control, prevent, or suppress any terrorist act.
    • 5. Nuclear reaction, radiation, or radioactive contamination.
    • 6. Whenever insured property is subjected to expropriation, requisition, confiscation, seizure, or detention by legally acknowledged authorities on account of the procedures to fulfill their functions, save for the cases where such acts are intended to avoid a conflagration, or arise when fulfilling a humane duty.
    • 7. Destruction of property by acts of legally acknowledged authorities on account of the procedures they perform in order to fulfill their functions.
    • 8. Continuous service (wear and tear, cavitations, erosion, corrosion, scale, scratching and cracking) or gradual deterioration due to environmental or atmospheric conditions, or gradual settling of impurities in the interior of pipelines, or the effects of clothes moth, termites, and insects in general.
    • 9. Loss or damage caused by natural tide effects.
    • 10. Preexisting damage or loss as of the date of Policy Period inception, regardless of whether known or not to the Insured.
    • 11. Loss or damage of any kind, caused by faulty design or construction, or due to lack of maintenance to property subject matter of this insurance.
    • 12. Claims arising from loss caused as a result of damage, fault, alterations, decreased functionality, or operational availability and / or design errors in computer systems, integrated circuits, (or similar devices of any kind) or computer system components (hardware); operating systems, data bases, data storage devices, programs (software), whether owned by the Insured or Documentation in Spanish shall always prevail over documentation in English 41 not, or in their possession; unless said loss has occurred as a result of any of the covered risks under this policy.
    • 13. Loss, damage, destruction, distortion, erasure, corruption, or alteration of electronic data, arising from a computer virus or breakdown of an external network (Internet or any private network, or similar installation) or loss of use, decreased functionality, costs or expense of any kind resulting therefrom, in reference to any other contributing occurrence or cause, either concurrent or in any sequence with the either totally or partially decreased functionality of data, codes, programs, software, any computer or computerized system, or any other device dependent on a microchip or embedded logic, and any resulting incapability of the Insured to conduct their business.
    • 14. Natural ground or underground vibration or movement such as normal and not sudden sinking, displacement, and settling.
    • 15. Maintenance expenses, caused by improvements and for pest extermination.
    • 16. Expenses in connection with improvements to increase the building solidity or for other purposes, in excess of the necessary repairs to restore property to the same condition it was at the time of loss occurrence.
    • 17. Theft committed with participation of persons for which the Insured has a civil responsibility.
    • 18. Indirect or consequential expenses not specified in this Policy.

    • 19. Water seepage and moisture whether underground or not. This exception does not apply when the concerned risks are covered under the Family Civil Liability Coverage.
    • 20. Lacking maintenance indicating gross negligence on the part of the Insured. This exception does not apply when the concerned risks are covered under the Family Civil Liability Coverage.
    • 21. Preexisting deterioration or impairment as of the date of Policy Period inception date, as well as faulty design or construction of insured property. This exception does not apply when the concerned risks are covered under the Family Civil Liability Coverage.
    • 22. Damage or loss caused to animals. Documentation in Spanish shall always prevail over documentation in English 42

    • 23. Theft committed by strikers or persons participating in studentor labor related disturbances, uprising, civil commotion or vandalism, in the course of said acts.
    • 24. Loss caused by looting, committed in the course of, or subsequently to a catastrophe either meteorological, seismic, nuclear reaction, radiation or radioactive contamination encouraging commission of such acts to the Insured´s prejudice.
  • V Insurance Policy Provisions

    • a. Policy Version

      Any amendments made to this insurance contract after the Policy Period inception, shall be attested in subsequent versions, giving the same Policy number to each new version and adding the corresponding consecutive number.


      The Policy Period under this contract is set forth on the Policy Face; said Policy Period being renewable or capable or being extended upon the Applicant´s or the Insured´s request and prior consent given by the Company; for that purpose, a subsequent Policy Version shall be issued in accordance with the provisions contained in the previous paragraph. In said version the terms and conditions, as well as the renewed or extended Policy Period shall be attested.


      Any amendments made to the contract and attested in the respective new version shall take legal effect in conformity with the provisions contained in Articles 25 and 40 of the Law of the Insurance Contract; any previous versions held by the Applicant shall be rendered legally null and void, save for those provisions which were not amended, and which shall be specified in their entirety in the new version, the above articles not being applicable concerning them.

    • b. Policy Period Inception and Termination

      Policy Period inception and termination under this Policy are set forth by means of the date and time specified on the Policy Face for both of them; said date and time being substituted by those specified in a new version if such is the case.

    • c. Currency

      Both Premium payments and any indemnity payments which may be in order under this Policy, shall be made in domestic currency and in conformity with the monetary law in force on the payment date.

    • Insured Amounts and Basis for Indemnity

      1. Article 86 of the Law of the Insurance Contract: ” damage the Insurance Company is liable for the damage caused only up to a limit equal to the Insured Amount and Actual Value insured. The Company shall be liable for the loss of income or interest obtained from the insured property only if it is expressly agreed upon in that way.”

        Article 91 of the Law of the Insurance Contract:

        “For the purpose of determining the insurance indeminity, the value of the Insured Interest at the time of loss occurrence shall be taken into account.”


        1. It shall be the Insured´s responsibility to determine and to keep updated the Insured Amounts for the Coverage Items specified on this Policy´s Face and which constitute the Company´s Maximum Liability in the event of a loss. No financing charges or expenses, nor transference of previous debts shall be taken into consideration in determining the Insured Amount. It is fitting to clarify that the Insured Amounts for all of the Coverage Items and options include both the Value Added Tax and any other taxes which may be in order.

      2. 2. Table of write-off percentages

        Item Years used
        1 2 3 4 or more
        Electrical 7.5% 15% 22.5% 30%
        Electronic 7.5% 15% 22.5% 30%
        Furniture 7.5% 15% 22.5% 30%
        Clothing 12.5% 25% 37.5% 50%
        Other 7.5% 15% 22.5% 30%

      3. 3. Insurance at First Risk In the event of a payable indemnity this Policy takes effect at first risk, the Company therefore undertakes to pay indemnity for covered damages up to the Insured Amount contracted for. The previous condition shall not apply if, at the time of loss occurrence the Insured Amount is less than 50% of the replacement value of insured property; in this case the Company shall only pay indemnity in proportion to the sustained damage and the Insured Amount contracted for.
      4. 4. Value for which Indemnity is Payable This value shall be determined for each coverage in conformity with the provisions contained in the respective “Converage” and / or “Maximum Liability Limit” clauses. In the event of a loss affecting property, the Company may choose to either repair or replace said property to the Insured´s satisfaction, or else to pay in cash the corresponding indemnity.
      5. 5. Insured Amount Decrease and Reinstatement Documentation in Spanish shall always prevail over documentation in English 45 All and any indemnities paid by the Company for damage or loss arising from occurrence of any of the risks covered under the Policy, shall decrease by an equal sum the Insured Amount set forth in any of this Policy´s sections concerned by the loss; but said Insured Amount may be reinstated, upon prior Company´s consent and the Insured´s request, the Insured being obligated to pay the corresponding additional premium if such is the case.
      6. Interest for Delayed Payment “If the Insurance Contact, within the terms set by law, they shall pay to the Insured, Insured, the Beneficiary or the affected Third Party an indemnity for the delay in accordance with the following:

        1. I. Obligations payable in national currency shall be expressed in Investment Units (Udis) by applying the value Udis have on the expiry date of the terms referred to above in the first part of this clause; and the respective payment shall be made in national currency at the value Udis have on the date payment is made; the above in accordance with provisions in paragraph two, section VIII of this clause. The Insurance Company shall pay, besides the above, an interest for delayed payment on the obligation expressed in Udis , in conformity with the provisions in the preceding paragraph, said interest shall be capitalized monthly; the interest rate shall be determined by multiplying by 1.25 the term acquisition cost of liabilities in Udis from domestic multiple banking institutions, as published by Banco de Mexico in the “Diario oficial de la Federation” for each one of the months during which the delay continues.
        2. II. If the principal obligation is in foreign currency, the Insurance Company shall be under obligation to pay, in addition to said obligation, an interest for delayed payment which shall be capitalized monthly and computed by applying to the obligation amount such a percentage as results from multiplying by 1.25 the term acquisition cost of liabilities in US Dollars from multiple domestic banking institutions as published by Banco de México in the “Diario Oficial de la Federation” for each one of the months during which the delay continues.
        3. III. If the reference rates for computation of interest for delayed payment specified in subparagraphs I and II of this Clause, should not have been published by the date on which the computation is made, the interest rate for the immediately previous month shall be applied; and if such rates are not published, said interest shall be computed by multiplying by 1.25 the interest rate substituting them, in conformity with the applicable provisions. IV. Interest for delayed payment shall, in every case, be generated daily from the day on which the terms referred to in the first part of this clause expire, to the day on which payment provided for in paragraph two fraction VIII of this clause is made. For computation of said interest, the reference rates referred to in this clause shall be divided by 365 and the result multiplied by the number of days corresponding to the months during which the Company´s failure to fulfill their obligations continues.
        4. V. In the event of property sustaining the loss being repaired or replaced, the indemnity for delayed payment shall consist of payment of the interest that corresponds to the currency in which the principal obligation is payable, in conformity with subparagraphs I and II in this Clause; and it shall be computed on the replacement or repair cost.
        5. Documentation in Spanish shall always prevail over documentation in English 46
        6. VI. Creditor rights to indemnity items set forth in this Clause are not capable of being waived. In no case shall any agreement intended for extinguishing or decreasing them take any legal effects whatsoever. These rights arise by reason only during the period established by law for the payment of the principal obligation, even if it is not liquid at the time. Once the amount of the principal obligation has been determined in conformity with any agreements reached by the parties, or with a definitive decision issued during a proceeding before the judge or umpire, the indemnity items set forth in this clause shall be settled by the Insurance Company on the amount of the principal obligation thus determined.
        7. VII. If in the respective proceedings the claim is determined to be in order, and even if payment of the indemnity items for delay, as set forth in this Clause has not been demanded, the judge or umpire shall sentence the debtor to settle, beside the principal obligation, those indemnity items determined in conformity with the preceding subparagraphs.
        8. VIII. The indemnity for delay consisting of the updating scheme and interests referred to in fractions I, II, III and IV of this clause shall be applicable to all kinds of insurance, except for pledge insurance guaranteeing indemnities in connection with nonpayment of fiscal credits; in which case in which case the Fiscal Code (Código Fiscal de la Federación) shall be abided by. The indemnity shall be settled by the Company by means of one single payment for the total amount accounting for the total sum of the following items:

          • a) Interest for delayed payment;
          • b) Update referred to in the first paragraph of fraction I in this clause, and
          • c) The principal obligation.
          • In the event that the Company does not settle by means of a single payment the total amount accounting for the liabilities assumed under the Insurance Contract and the indemnity for delay, the payments they make shall be applied to the items set forth in the sequence specified in the preceding paragraph; therefore, the indemnity for delay shall continue to be generated as per provisions contained in this clause, on the amount of the unpaid main obligation, for as long as it is not fully settled.
          • If the Company files a means of defense which suspends the execution provided for in the Law of Insurance and Bonding Institutions, and final sentence is issued confirming that the challenged acts remain effective, the corresponding payment shall include the indemnity for delay generated by the principal obligation until the moment of such final sentence; and
        9. IX. If the Company does not settle payments due on account of indemnity for delay, either the judge, or the National Commission for Defense and Protection of Financial Services Users, as the case may be, shall impose a penalty on the Company in amount of between 1000 and 15000 times the Daily Wage.
        10. In the event of the administrative execution proceeding provided for in Article 278 of the Law of Insurance and Bonding Institutions, if the Company should not make the indemnity payment for delay within the legal terms and periods, the Commission shall impose the penalty set forth in this fraction upon request by the corresponding executing authority in accordance with fraction II of said article.

          (Article 276 of the Law of Insurance and Bonding Institutions)

    • e. Premium

      The premium is due, and can be paid at the moment the contract is entered into.

      “If the Premium is not paid within the agreed term, the contract effects shall cease automatically at 12:00 o´clock on the last day of said term. If no term has been agreed upon, then a 30-calendar-day term computed from the due date shall be applied.

      Save for agreement to the contrary, the term provided for in the previous paragraph shall not be applicable to mandatory insurance as referred to in “Article 150 BIS” of this law”

      (Article 40 of the Law of the Insurance Contract)

      “Article 33.- The Insurance Company shall be entitled to compensate for any unpaid premium or loan granted on an Insurance Policy guarantee against any payments due to the Beneficiary”

      (Article 33 of the Law of the Insurance Contract)

    • f. Annulment of Company´s Obligations

      Annulment of Company´s Obligations The Company´s obligations shall cease as a result of the Insured´s failure to keep to their obligations, for any of the causes set forth in the following clauses: Premium, Obligation to Inform of other Insurance in Force, Risk Aggravation, Subrogation of Rights, and Procedure in the Event of a Loss.


      Since assessment of the risk to be assumed by the Company under the Insurance Contract is made on the basis of the Insured´s declaration of any material facts known to them, or which should be known to them at the time of entering the contract, it is the Applicant´s and / or the Insured´s obligation to submit a written declaration stating such facts.


      In the event of omissions, false statements, fraudulent or deceitful performance on the part of the Applicant and / or the Insured, and / or their representatives, incurred when declaring in writing upon any of the Company´s requests or in any other documents, the Company is authorized to rescind the contract as a matter of law, in conformity with the provisions in Articles 47 and 70 in connection with Articles 8, 9, and 10 of the Law of the Insurance Contract.


      Article 8 of the Law of the Insurance Contract: “The proponent shall be obligated to declare in writing to the Insurance Company, in conformity with the relevant questionnaire, all and every material facts for assessment of any risk which may bear upon the terms agreed, exactly as they are known to them or should be known to them at the time of entering the contract”. Documentation in Spanish shall always prevail over documentation in English 48

      Article 9 of the Law of the Insurance Contract: “If the contract is entered into by an Insured´s representative, all and any material facts known to either one of them, or which should be known to either one of them, shall be declared”. Article 10 of the Law of the Insurance Contract. “Whenever insurance is proposed on behalf of a third party, the proponent shall declare all and any material facts which are, or should be, known to said insured third party or to their intermediary”.

      Article 47 of the Law of the Insurance Contract: “Any omission or inexact declaration of the facts referred to in Articles 8, 9, and 10 of this Law, shall authorize the Insurance Company to deem the contract rescinded as a matter of Law, even if such facts had no bearing on the loss occurrence”.

      Article 70 of the Law of the Insurance Contract: “The Company´s obligations shall cease if they prove that the Insured, the Beneficiary, or the representatives of either one of them, for the purpose of misleading the Company into error, conceal or inexactly declare any facts which may exclude or restrict said obligations. The same shall apply if for the same purpose, they do not submit in a timely manner any of the documents referred to in the previous article”.

    • g. Inspection

      The Company may, at all times, carry out an inspection of insured property, for the purpose of assessing the risk.


      Such right to inspect shall in no way constitute a Company´s obligation to carry out inspections at set dates or at the Insured´s or their representatives´ request.

    • h. Inspection

      Risk Aggravation
      Article 52 of the Law of the Insurance Contract: “The Insured shall inform the Insurance Company of any essential aggravations the Risk may undergo in the course of the insurance, within 24 hours from the moment they become aware of them. If the Insured should fail to inform of said aggravations or they themselves bring about such an aggravation, the Company´s obligations shall thereafter cease as a matter of Law.


      Article 60 of the Law of the Insurance Contract: “In any event of fraudulent or deceitful performance, the Insured shall forfeit all of the Premium payments made in advance.

    • i. Obligation to Inform of other Insurance in Force

      Whenever the Insured takes out policies from different companies on the same risk or the same interest, they shall be obligated to bring to the Company´s knowledge the names of the other insurance companies as well as the respective insured amounts.

      The Company shall be released from all and any of their obligations if the Insured deliberately fails to inform the Company as provided for in the previous paragraph, or if they take out several insurance policies in order to obtain an illicit profit. Insurance contracts referred to in the first paragraph, entered in good faith on the same of on different dates shall constitute a liability for all the involved insurance companies up to the full amount of sustained damage, within the limits of their respective insured amounts in proportion to the insured amount set forth in their respective policies.

      Any Company paying as per the previous paragraph may repeat against all other companies in proportion to their respective insured amounts.

    • j. Early Policy Termination

      Both parties expressly agree that this contract may be terminated in advance of the termination date, in any of the following events:

      1. 1. Cancellation request by the Insured

        The contract shall be deemed terminated in advance as of the date on which the Company is notified in writing of the cancellation request. The Company shall be entitled to a premium payment as may correspond in conformity with the short term insurance rates specified in the following table:

        Number of days the Policy was in Force Percentage of Premium
        Up to 1 month 20%
        Up to 1.5 months 25%
        Up to 2 months 30%
        Up to 3 months 40%
        Up to 4 months 50%
        Up to 5 months 60%
        Up to 6 months 70%
        Up to 7 months 75%
        Up to 8 months 80%
        Up to 9 months 85%
        Up to 10 months 90%
        Up to 11 months 95%

        Table for Hydro Meteorological Risks For the coverage against Hydro Meteorological Risks, regardless of the contract Policy Period, the parties agree that the contract may be terminated in advance of the termination date by means of a notice given in writing to the Company if the Insured terminates the contract; in such event, the Company shall be entitled to such a portion of the Premium as may correspond to the period during which the insurance was in force, in conformity with the following short term insurance rates (as percentage of the annual premium).

        Annual period Percentage of Premium
        Up to 1 month 35%
        Up to 3 months 65%
        Up to 5 months 95%
        More than 5 months 100%

        2. Policy Termination by the Company

        The Company shall give notice in writing to the Insured, the Policy termination taking effect 15 calendar days from the date on which said notice was given.


        The Company shall reimburse the Insured for the full amount in proportion to the Policy Period not lapsed.

    • k. Prescription

      “All and any actions arising from an insurance contract shall lapse: I. In five years whenever death coverage under a life insurance is concerned. II. In two years in all other cases.

      Said terms shall be computed from the date of occurrence giving rise to them”


      (Article 81 of the Law of the Insurance Contract.
      The terms provided for in the preceding article shall not be deemed started in the event of omission, false or inexact declarations concerning the risk taken, but from the date on which the Company has become aware of such risk; and if a loss occurrence is concerned, from the date on which the interested parties become aware of it; said interested parties shall prove that up to that moment they did not know anything about said occurrence. If third party beneficiaries are concerned, they shall also be required to be aware of the right constituted to their favor”.

      (Article 82 of the Law of the Insurance Contract).

      Prescription shall be interrupted not only for ordinary causes, but also for those referred to under the Law for Protection and Defense of Financial Service Users; it shall also lapse in the events provided for in said law.

    • l. Communications

      Any declaration or notice given by either party in connection with this contract, shall be sent in writing to their respective domiciles set forth on the Policy Face.

      If the Company changes domicile they shall give immediate notice to the applicant, the Insured or their assigns.

      Requirements and notices the Company may have to submit to the Applicant, the Insured or their assigns, shall be valid if they are served at the last domicile known to the Company.

    • m. Commissions

      During the Policy Period, the Applicant may require the Company in writing to provide them information on the percentage of the Premium which on account of commission or direct compensation is earned by the intermediary or artificial person for their participation in the conclusion of this contract. The Company shall provide such information in writing or by electronic means within a term not to exceed 10 working days following de date they receive the request.

    • n. Jurisdiction

      In the event of dispute, the Applicant, The Insured and / or Beneficiary may assert their rights at any of the following venues:

      • a) The Specialized Unit for User Assistance
      • b) CONDUSEF (National Commission for Protection and Defense of Financial


        Services Users), it being possible for them to choose territorial jurisdiction by virtue of their domiciles at any of the Commission´s branch offices, as per provisions in articles 50 Bis and 68 of the Law for Protection and Defense of Financial Services Users and 277 of the Law of Insurance and Bonding Institutions.

      If the Applicant´s, the Insured´s and / or the Beneficiary´s rights were preserved, said persons may assert them at any of the competent courts at the jurisdiction corresponding to the domiciles of the regional branch offices of the National Commission for Protection and Defense of Financial Services Users. In any case, it is the Applicant´s, the Insured´s or the Beneficiary´s choice to turn to said administrative venues or directly to the referred courts. In the event that the Applicant, the Insured, and / or the Beneficiary decide to assert their rights, they may do it in conformity with the Clause of the Policy´s General Conditions.

    • o. Expert Appraisal

      In the event of the claimant being notified by the Company of their claim not being in order, the claimant may choose to turn to a natural person or legal entity who shall be appointed by common agreement by both parties to perform a private arbitration.

      The Company agrees that if the claimant turns to this instance and submits to appearance before an arbiter and subject themselves to the respective procedure, which is binding on them, by virtue of this fact alone the claimant shall be deemed to waive any other right to have the dispute settled.

      The arbitration shall be performed by the person appointed by common consent of both parties, and the parties shall sign an arbitrational agreement. The arbitrator´s finding shall be binding on both parties and the dispute shall be deemed res judicata. There shall be no cost to the account of the claimant due to this procedure; if any cost should arise the Company shall pay for it.

    • p. Subrogation of rights

      The Company shall be subrogated in conformity with the provisions in Article 111 of the Law of the Insurance Contract:

      Article 111 of the Law of the Insurance Contract:
      “The insurance company paying an indemnity may be subrogated, up to the amount paid, to all of the rights and actions against third parties the insured is entitled to by reason of the sustained damage. The company may be released from all or part of their obligations if subrogation is prevented by facts or omissions originated by the insured. If the indemnity was paid only partly, the insured and the insurance company may assert their rights in their respective proportions. Subrogation rights are not in order in the event that the insured is in a conjugal relationship or kin by bloodline to the second degree, or by law to the person who caused the damage, or else if they are legally responsible for said person.”

      In pledge insurance the Company shall be subrogated, up to the paid indemnity as a limit, in the rights and actions which by virtue of the loss the Insured has before the insurance applicant and before other persons responsible for the insurance, if such is the case.

    • q. Place for Indemnity Payment

      Any indemnity payable by the Company shall be paid at their offices or by means of a bank transfer, within 30 days following the date on which the Company has received to their satisfaction all and any documents which allow them to be aware of the claim basis.

  • VI Procedure in the event of a Loss

    • a. Precautions

      • The insured undertakes to carry out any acts intended to avoid or minimize damage. And to ask the company for instructions and abide by what the company instructs, insofar as there is no risk or danger of the damage being increased.


        If the insured does not fulfill their obligations as specified in the preceding paragraph, the company shall be entitled to a limit or decrease of the indemnity to such a value as it would have amounted to, if the insured had fulfilled such obligations.


        Any expenses incurred by the insured, which are in order, shall be paid by the company and if the company instructs so; said expenses shall be paid in advance.

    • b. Notice of loss

      • The insured should give notice to the Company within a maximum 5-day term from the moment they become aware of the fact; save for:

        • 1. Acts of God or fortuitous circumstances; they shall give said notice as soon as said acts or circumstances cease.
        • 2. Damage caused by hail, where said notice shall be given within 24 hours following the occurrence.

        Lack of the timely notice referred to above shall bring about an indemnity decrease to such a sum as the loss would have originally amounted to, if prompt notice had been given to the company. If the Company should request it, the Insured shall grant, at the same moment they receive the request, enough power to the Company or to whom they may designate, to take over on their own and perform on the Insured´s behalf, the defense or settlement of any claim; or to continue on the Insured´s behalf for their own benefit, the claim for indemnity, damages, and / or prejudice, or any other against third parties.


        The Company shall be fully authorized to manage the proceeding or settlement of any claim, or to continue on the Insured´s behalf for their own benefit, the claim for indemnity, or damages or prejudice, or any other against third parties, the Insured undertaking to provide any information and help which may be necessary.

        Article 69 of the Law of the Insurance Contract: “The insurance company shall be entitled to require from the insured or beneficiary all kinds of information regarding any facts in connection with the loss, through which the circumstances of loss occurrence as well as any consequences thereof may be determined”

        In no case shall any help given by the Company or their representatives to the Insured, or to third parties, be construed to be acceptance of liability.

        The Insured shall make sure that their claim, as well as any details contained therein, are accurate; the Company shall be entitled to demand from the Insured all kinds of information concerning the facts in connection with the loss, through which the circumstances of the loss occurrence and its consequences can be determined.

        The Insured shall submit to the Company in writing:

          1. • Claim letter addressed to the Company specifying in as detailed and accurate a way as is feasible, what the facts were, how they took place, and the probable causes giving rise to them.
          2. • Certified copy of the first-instance inquiry filed before the Attorney General´s Office, as well as of the judicial actions started and / or fire department report, as the case may be.

        In addition, whenever a theft claim is made:

        1. The certified copy of the first-instance inquiry shall contain:

        • • Detail and description of stolen property
        • • Document attesting visual inspection carried out by the Attorney General´s Office
        • • Confirmation of complaint made by the Insured
        • • Statements from witnesses, concerning facts and previous existence of the stolen property.

        2. Any documents shall be submitted which the Company deems necessary to evidence:

        • • The origin of the claim
        • • Previous existence of stolen property
        • • Property replacement value

        The following being valid in order to comply with the above:

        1. 1. Invoices, purchase notes, valuations
        2. 2. Letter of previous existence, showing the description of the item, as well as the signature of two witnesses who vouch for previous existence and ownership of stolen property. For persons to be deemed proper witnesses, they shall be of age, have valid voter´s identification, and not be the Insured´s direct or indirect relatives.
        3. 3. Visual evidence (video, photograph,) showing the item in the interior of the insured piece of real property, or the person wearing said item (whenever jewels or personal belongings are concerned).

        In addition, whenever a claim for family civil liability is made:

        1. Notice of loss:

        • • The insured undertakes to inform the Company, as soon as they become aware, of any claims or lawsuits received by them or their representatives; to that purpose they shall submit the documents or copy of them, which on that account were handed to them. If the Company chooses not to take over management of the trial, they are obligated to inform it, immediately and in writing, to the Insured.
        • • Under the assumption that the Company does not take over management of the trial, they shall provide the Insured in advance with the amount the Company undertook to pay on that account, for the Insured to bear their defense expenses; they shall perform said defense with due diligence.

        2. Assistance and cooperation with the Insured

        The Insured undertakes, in every proceeding which may be started against them on account of the liability covered under the insurance:

        • • To provide any necessary data and evidence the Company may have required from them for their defense, if the defense is necessary, or whenever the Insured do not appear for any duly justified causes.
        • • To exercise and enforce any actions and defense which they are entitled to as a matter of law.
        • • To appear at every proceeding
        • • To grant powers to the lawyers designated by the Company to represent the Insured during said proceedings, in the event that the Insured cannot participate directly in the formalities of such proceedings.
        • All the expenses incurred by the Insured, in order to fulfill said obligations, shall be met and charged to the Insured Amount for defense expenses.

          Under the assumption that the Company assumes management or determination of the defense, regardless of the result obtained at the end of the proceeding the Company shall not be liable for the resolution of such proceeding, provided that they have acted diligently; however, if the Company acted negligently, the expenses incurred in said defense shall be met to the full amount, without exceeding the amount the Company undertook to pay on that account, the insured´s rights remaining safe for the Insured to assert them before the competent authorities, if such is the case.

        3. Claims and Lawsuits:

        • • The Company is authorized to claim settlement either judicially or extrajudicially, to manage trials or promotions before any authority and to make agreements.
        • • No legal acts implying the Insured´s liability, such as indebtedness acknowledgement, or any transaction or agreement, nor any other acts, arranged without the Company´s consent, shall be capable of being opposed to the Company for the purpose of feigning a liability which would otherwise be non-existing or smaller than the actual one. Admission by the Insured of the material nature of a fact cannot be incorporated into an acknowledgement of responsibility.

        4. Insurance Beneficiary:

        • This Insurance Contract assigns the right to indemnity directly to the damaged third party, who shall be deemed insurance beneficiary as of the moment of loss occurrence.

        5. Reimbursement:

        • If the third party receives a partial or full indemnity payment from the Insured, the Insured shall be reimbursed pro rata by the Company.

        6. The Insured shall submit the following information to the Company:

        • • Letter of claim the third party has addressed to the Insured.
        • • In the event of bodily injured persons: medical certificate, prescriptions, pharmacy notes, medical expense and hospital stay receipts, and medical fees receipts issued using the approved forms.
        • • In the event of death: death certificate.
        • • Invoices or sales notes accounting for the amount of property claimed by the Insured.
        • • Copy of the lease contract, if such is the case.
    • c. Measures the Company may take in the event of a loss

      • In the event of a loss affecting insured property or liabilities and as long as the indemnity amount has not been definitely fixed, the Company may inspect, classify and set value on the property at the place where it is, in order to assess the extent of the loss.

    • d. Salvage

      • In no case shall the Company be obligated to take over the sale or liquidation of insured property remains, nor shall the Insured be allowed to abandon them to the Company.

    • e. Expert Appraisal

      • Upon dispute arising between the Insured and the Company regarding the amount of any loss or damage:

        • • The dispute shall be submitted to appraisal by an expert appointed in writing by common consent of both parties; this appointment shall be made in writing.
        • • If they should not reach an agreement on the appointment of a single expert, two shall be appointed one by each one of the parties; said appointment shall be made within a 10-day period computed from the date on which any of the parties is required by the other in writing to do so.


          Documentation in Spanish shall always prevail over documentation in English 57 􀁸 Before they start the appraisal, the two experts shall appoint an arbiter in case they should not reach an agreement.

        • • If any of the parties should refuse to appoint their expert, or they simply should not do it when required by the other, or if the experts should not reach an agreement on the appointment of an arbiter, it shall be the judicial authority who, upon request of any of the parties, appoints the expert, the arbiter or both if it turns out to be necessary.
        • • The death of one of the parties if it is a natural person, or the liquidation, insolvency proceedings or bankruptcy if it is a corporation, taking place while the appraisal is in course, shall neither annul nor affect the powers or authority of the expert, of both experts, or of the arbiter, as the case may be; or if any of the experts appointed by the parties, or the arbiter, should die before judgment is passed, another one shall be appointed by whoever it may be in order to do it (the parties, the experts, the judicial authority), in order for the former one to be substituted.
        • • Expenses and fees resulting from the appraisal shall be borne equally by the Company and the Insured; but each one of them shall bear the costs of its own expert.


          The appraisal referred to in this clause does not imply acceptance of the claim on the part of the Company; it shall merely determine the loss amount which the Company would eventually be obligated to pay as indemnity, the parties remaining in freedom to bring actions or file exceptions as may be in order.

  • VII Assistance at home

    • 1. Assistance at Home

      • Protected Tourist Assistance provides the following services at your home without limit of the number of occurrences:

        • • Urgent Repairs


          In the event of an accident posing a threat on the insured piece of real property, the Company shall arrange for specialized service providers to be sent, such as:

          • o Electricians: Electrical energy breakdown originating in the interior of the insured dwelling house, arising from fault or breakdown in its electrical installations.
          • o Plumbers: Faults due to breakage or leakage affecting hydraulic, sanitary, or gas installations at the interior of the insured dwelling house and requiring urgent repair.
          • o Locksmiths: Repair and / or opening of locks, latches and locking devices damaged due to breakdown, accident, theft or attempt thereat, provided that repair has to be done on entrance doors opening to the exterior and posing a threat to home safety.
          • o Opening of car doors is also included, provided it is required because the key was forgotten inside the car and the insured is present while assistance is being provided.
          • o Window-fitters: Broken glass substitution on doors and windows opening on the street and posing a threat to home safety.

          In respect of these services, a limit per occurrence is applicable in amount of $1,000; including materials and labor costs.

          Available 24 hours per day, 365 days per year, throughout Mexico.

          Exclusions:

          1. a) Electrical or electronic apparatuses or equipment, or electric appliances (such as lamps, lighting fixtures, ballasts or any accessories) damaged as a result of an electrical breakdown in the installations at home shall in no case be repaired.
          2. b) Damage resulting from earthquake, flood, volcanic eruption or fire.
          3. c) Any repair or disbursement agreed upon by the Insured with third parties.
          4. d) Repair of damage caused to the Insured´s or third party property as a result of electrical power, hydraulic or sanitary service failure.
          5. e) Whenever works to be carried out are prevented by any competent authority.
          6. f) Any damage caused on purpose, as well as any damage caused as a result of rebellion, war, mutiny, civil commotion, or events disrupting public safety.
          7. g) If service is requested for areas belonging to common spaces in dwelling building complexes.
          8. h) Installation of final covering on floors, walls or ceilings, such as tiles, mosaic, marble, tapestry, paint, ceramic materials or wood finishings.
          9. i) Repair of damage resulting from seepage or humidity.
          10. j) Repair of equipment connected to water or gas piping, such as boilers, steam generators, air conditioning, washing or drying machines.
          11. k) Services to remove stoppage from bath or kitchen fixtures or sanitary installations.
          12. l) Whenever representatives of any official authority carrying out embargo, lien, arrest, search, inquiry or rescue operations are forced to break or destroy any entrance elements such as doors, locks, latches, etc. of the insured dwelling house.
          13. m) Whenever service is requested for a dwelling house other than the one set forth on the Insured´s Insurance Policy.
          14. n) Any damage already existing on the inception date of the Insurance Policy
          15. o) Substitution of any glasses that are either special, beveled, armored, covered with anti-theft film, stained-glass or any handcrafted glasses.
          16. p) Making of key duplicates of any kind.

      • • Referral to specialized service providers for non urgent repairs. Upon the Insured´s request, under their responsibility and at their own expense, the Company shall send a specialized service provider who will provide quotation for any repair, extension, maintenance, or remodeling works the Insured may require other than in an emergency situation. Service hours: from 9:00 a.m. to 6 p.m. Nationwide.

        Service hours: from 9:00 a.m. to 6 p.m. Nationwide.

    • 2. Formalities

        The Insured shall receive advice in connection with the steps to be followed for contracting electrical power, water and gas services. (Any contracting fees are excluded).

        This service is provided to the Insured without limits.

        Service hours Monday through Friday from 9 a.m. to 6 p.m.

    • 3. Gas leakage reports

        Telephone assistance shall be provided for reporting to competent authorities any LP gas leakage, either from stationary tanks, portable cylinder tanks, or main supply pipelines; also advice shall be given in respect of emergency measures to be taken at home (dwelling purpose house or apartment).

        This service is provided to the Insured without any limits.

        Service hours: 24 hours per day, nationwide.

    • 4. Medical assistance.

      • • Medical emergency transportation In the event of sickness or accident sustained by any person inside the insured dwelling house and requiring a land ambulance to be used; and upon the Insured´s request, the Company shall coordinate sending of an ambulance and transportation to the closest hospital facilities.

        If for medical reasons such transport has to be made under medical supervision, it shall be thus made.

        This service shall be provided through a Company´s service provider nationwide 24 hours per day. The first occurrence every year is at no cost for the Insured; for subsequent occurrences a preferential charge shall be to the Insured´s account.

        Exclusions:

        1. a) Scheduled transportation.
        2. b) Self-inflicted injuries or Insured´s participation in deliberate criminal acts, suicide or illness or injury resulting from attempt thereat.
        3. c) Mental condition or alienation.
        4. d) Any kind of accident or sickness caused by nuclear radiation.
        5. e) Any pre- existing, chronic or recurrent sickness (convalescence is deemed part of the sickness)
        6. f) Transplant or transportation of organs of any kind.
        7. g) During pregnancy, transportation is excluded during the last months before the probable birth date.
      • • Home medical consultation This service is provided for assistance in cases of persons who are inside the insured dwelling house and are in a state not deemed urgent but requiring physical presence of a physician to examine the patient, diagnose and recommend a treatment.

        The Company shall only refer the Insured to the service provider who will provide said service at preferential rates and to the Insured´s account.

        Service shall be responsibility of a service provider available nationwide, at preferential rates and to the Insured´s account.

        Exclusions: a) Excluded are the following sufferings: psychotic symptoms of any kind, state of unconscious and comatose alertness, multiple injuries, severe traumatic brain injury (TNI), infectious and transmittable sicknesses and persons with positive HIV (human immunodeficiency virus), serious intoxication or poisoning, drug addicts, ethylic intoxication, injuries caused by suicidal attempts, or quarrel or dead persons. b) Bladed-arm or fire-arm wounds. c) Medical assistance leading to commission of a crime. d) Medical assistance leading to abortion

      • • Medical telephone advice Upon the Insured´s request, the Company may, through a supplier´s medical staff:

        1. o Provide medical assistance without any diagnosis being made.
        2. o Provide information available in the medical dictionary (VADEMÉCUM).
        3. o Provide information of substances contained in patent medicines
        4. o Arrange an appointment at the doctor´s office or at a hospital facility, to the Insured´s account.
        5. o Advice the Insured on subjects such as first aid, signs and symptoms, use of medicines (without any diagnosis made), family planning and sexual education, vaccination, menstrual syndrome and pregnancy, nicotine poisoning, alcoholism, and drug addictions.

        This service is provided 24 hours a day, nationwide.

        Any expenses incurred shall be borne by the Insured.

    • 5. Nursing services at home.

        A big roster of nationwide providers is available; they provide qualified staff, such as nurses or physician, at preferential rates.

    • 6. Rental of medical equipment.

        A wide catalog of suppliers is available, providing a wide scope of medical equipment for rent at preferential rates.

    • 7. Telephone Nutritional Advice

        If the Insured requires it, the Company may give advice through the supplier´s medical staff regarding the following:

        1. • Nutritional supplements
        2. • In the event of eating disorders, information shall be provided on: symptoms, treatment and specialized clinics.

        This service is provided without limit at no cost for the Insured.

        Service hours from 8 a.m. to 8 p.m. 365 days a year. Nationwide.

    • 8. Fitness assistance

        Through this service the Insured´s Body Mass Index shall be determined and the risk shall be assessed. Advice will be given on ideal weight depending on age and daily physical activity.

        This service is provided without limit at no cost.

        Service hours from 8 a.m. to 8 p.m. 365 days a year. Nationwide.

    • 9. Telephone psychological assistance

        By means of this service, the Insured receives telephone advice, consultation and orientation regarding common problematic situations such as depression, addictions, divorce, violence, school problems, etc.

        Assistance shall be provided anonymously without any diagnosis made or medicine prescribed.

        This service is limited to two phone calls per month, 20 minutes each, at no cost for the Insured. If additional sessions are required, they shall be charged at preferential rates in doctor´s offices.

        This service is provided 24 hours a day, nationwide.

    • 10. Legal assistance

        1. • Telephone legal assistance Telephone legal assistance shall be available to the Insured for consultation regarding penal or civil matters.


          This service is provided without limit at no cost for the Insured.


          365 days a year, 24 hours a day, nationwide.

        2. • Legal advice in the event of theft at the Insured´s home. In the event of theft of property from inside the Insured´s domicile, the Insured may request a lawyer be sent for the purpose of providing legal advice.

        This service is provided without limit at no cost for the Insured.

        365 days a year, 24 hours a day, nationwide.

    • 11. PC Assistance

        If the Insured requests it, specialized technicians shall give them advice and offer the following services:

        1. • Configuration of peripheral devices (CD-ROM, printer, scanner, memory units, video or audio and network boards).
        2. • Installation of anti-spyware.
        3. • Virus detection and anti-virus software installation
        4. • Installation, consulting, or updating concerning software or hardware.
        5. • Intercommunication support (e-mails, web browsers, internet use, search tools, website registration, voice over IP, chatting).

        This assistance shall be given on the phone, via e-mail, blog and chat.


        This service is provided without limit and at no cost for the Insured.


        Service hours: from Monday to Friday, 9 a.m. to 6 p.m. also on holidays. Nationwide.

    • 12. Educational assistance

      • • This assistance shall provide advice on solving doubts regarding homework of primary and high school students by means of references to information sources, investigation links on the Web, etc.
      • This service is provided without limit at no cost for the Insured.


        Service hours: 12 p.m. to 10 p.m. 365 days a year. Nationwide.

    • 13. Pet assistance

      • • Veterinary telephone advice. Advice is offered regarding pet ailments and / or care, without making any diagnosis or prescribing medicine.


        This service is provided without limit at no cost for the Insured.


        365 days a year, 24 hours a day, nationwide.

      • • Assistance in the event of a pet going astray If a pet goes astray, assistance and coordination shall be given in the required actions for tracking the pet, such as: printing and delivering letter size signs within 2 kilometers around the Insured´s permanent domicile and posting on the Internet the photo of the lost pet.

        This service is provided without limit, at no cost for the Insured.

        365 days a year, 24 hours a day, nationwide.

    • 14. References for domestic journeys.

      • Upon the Insured´s request, information shall be provided regarding restaurants, events, sightseeing, and general references in advance of any journey in the national territory.

        This service is provided without limit, at no cost for the Insured.

        365 days a year, 24 hours a day, nationwide.

    • 15. Safe Taxi

      • Coordination shall be provided in order to have a taxi sent to the address specified by the Insured.

        This service is provided without limit, at preferential rates for the Insured. Rates shall be charged in conformity with those set by the taxi stand providing the service and dependingf on the location where the Insured is.

        365 days a year, 24 hours a day.

    • 16. Concierge

      • Consists in providing the Insured information regarding opening hours of museums in the main cities worldwide, weather report for the Mexican Republic, sports events and events in some cities in the United States.

        This service also provides references to physicians and hospitals, moving companies, air ambulances, laboratories for clinical studies, funeral homes, emergency organizations, airports and bus stations, Mexican consulates and offices where formalities can be made before the competent authorities.

        In the event that the Insured is outside the Mexican territory, this service shall provide addresses of embassies, consulates, and / or representatives of the Mexican Government in the city or country where the Insured is; in order that notice can be given of loss or misplacement of official documents.

        This service is provided without limit, at no cost for the Insured. 365 days a year, 24 hours a day.

    • 17. Urgent messages

      • Phone calls shall be made and urgent messages transmitted, in connection with the emergency situation the Insured is in.

        This service is provided without limits at no cost for the Insured.

        365 days a year, 24 hours a day. Nationwide.

    • 18. Luggage recovery

      • In the event of the Insured´s luggage or personal belongings being lost or misplaced, the Insured shall be given advice on making a statement of the facts and help to look for the Documentation in Spanish shall always prevail over documentation in English 65 lost items. If said items are recovered they shall forwarded to where the Insured is or to their permanent domicile., at no cost.

        This service is provided without limit, at no cost for the Insured.

        365 days a year, 24 hours a day. Worldwide.

    • 19. Infocard

      • In the event of any of the Insured´s credit, debit or commercial cards getting lost or stolen, the respective report shall be made. Also, advice shall be given on steps to recover personal documents in the event of theft or loss.

        This service is provided without limit, at no cost for the Insured.

        365 days a year, 24 hours a day. Worldwide.

Close Bitnami banner
Bitnami