International

Outside Spain,
the same adviser.

Many of our clients export, travel or hold interests outside Spain. We arrange the cover with insurers operating in those countries and run everything from Barcelona.

Worldwidescope available in health, assistance and liability
24 hourstravel assistance for companies and individuals
One contactthe same adviser, including for whatever happens abroad

What we cover outside Spain

Companies operating abroad

Subsidiaries, branches, works and sales abroad. The usual answer is not a single policy but a programme: the Spanish one covers the whole and a local policy is issued where the country's law requires it.

  • Local policies where the country's law requires them
  • Programmes coordinated with the Spanish policy
  • Machinery and installation work outside Spain
  • Business interruption from stoppages at source

Foreign trade

The goods going out and the money coming in.

  • Export credit
  • International goods in transit
  • Guarantees and bonds to trade in other markets
  • Product liability in the destination country

People abroad

Posted employees, students and families.

  • International health with reimbursement
  • Life and accident cover worldwide
  • Travel assistance and repatriation
  • Long-term expatriation

Liability without borders

When the business reaches countries the standard wording leaves out.

  • Liability with extended territorial scope
  • Directors and officers at subsidiaries
  • United States and Canada exclusions
  • Jurisdiction and governing law, in writing

How we organise it

Assessment

Where you sell, where you manufacture, who travels and what you have signed. That is where the company's real exposure shows.

Proposal

We select the insurer and the territorial scope. We explain what is covered, what is not and what each country requires.

Coordination

A single contact in Barcelona, even with local policies in several countries.

Claims

The file is handled from Barcelona, wherever it happens and in whatever language it takes.

What we need to know

These five details are enough for us to draft a programme. We request the rest of the paperwork ourselves.

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  1. Countries where you sell or provide services
  2. Subsidiaries or branches, and who runs them
  3. Posted employees and length of stay
  4. Credit sales outside Spain and payment terms
  5. Contracts signed under foreign law or jurisdiction

Questions

Does my Spanish policy cover me abroad?

It depends on the class. Travel assistance, health and accident cover can usually be extended; liability and property depend on the wording and often exclude the United States and Canada. We check policy by policy and tell you in writing.

Do I need a separate policy in each country?

In some, yes: certain countries require a locally issued policy. There we build a coordinated programme, with the local policy on the ground and the Spanish one covering the difference.

If the claim happens abroad, who handles it?

We do, from Barcelona. We deal with the insurer and its correspondent in the country, and keep you posted on the file.

And for someone moving abroad?

International health, life and accident cover worldwide. Tell us before you leave: terms change with the country of residence and the length of stay.

The scope of each cover depends on the policy wording, the insurer and the rules of the country where the activity takes place. This page is for guidance and does not replace the policy wording.

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