{"id":12468,"date":"2022-04-22T16:22:20","date_gmt":"2022-04-22T14:22:20","guid":{"rendered":"https:\/\/bohemia-mallorca.com\/bohe01\/private-customers\/legal-defence-insurance\/"},"modified":"2023-07-29T11:57:20","modified_gmt":"2023-07-29T09:57:20","slug":"legal-defence-insurance","status":"publish","type":"page","link":"https:\/\/bohemia-mallorca.com\/en\/private-customers\/legal-defence-insurance\/","title":{"rendered":"Legal defence insurance"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; el_class=&#8221;fixed-back-bild&#8221; el_id=&#8221;rechtsschutzversicherung&#8221;][vc_column offset=&#8221;vc_hidden-md vc_hidden-sm vc_hidden-xs&#8221;][vc_single_image image=&#8221;42275&#8243; img_size=&#8221;bohe-back&#8221; alignment=&#8221;center&#8221;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; el_class=&#8221;fixed-back-bild&#8221;][vc_column offset=&#8221;vc_hidden-lg&#8221;][vc_single_image image=&#8221;42271&#8243; img_size=&#8221;bohe-back&#8221; alignment=&#8221;center&#8221;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; full_height=&#8221;yes&#8221; columns_placement=&#8221;bottom&#8221; content_placement=&#8221;bottom&#8221; el_class=&#8221;super-balke-container-big&#8221;][vc_column][vc_row_inner el_class=&#8221;super-balke-slider&#8221; css=&#8221;.vc_custom_1687182577979{background-color: rgba(243,230,206,0.8) !important;*background-color: rgb(243,230,206) !important;}&#8221;][vc_column_inner][superbalke_father slides=&#8221;4&#8243;][superbalke_son numbericon=&#8221;one&#8221; color=&#8221;#666666&#8243; produkt_link=&#8221;url:%23this|title:Legal%20defence%20insurance|rel:nofollow|&#8221;]<\/p>\n<p><em>Flexible protection, depending on your needs. Legal protection for traffic, private, professional and residential matters, depending on your life situation<\/em><\/p>\n<p>[\/superbalke_son][superbalke_son numbericon=&#8221;two&#8221; color=&#8221;#666666&#8243; produkt_link=&#8221;url:%23this|title:Legal%20defence%20insurance|rel:nofollow|&#8221;]<\/p>\n<p><em>So that you get your good right!<\/em><\/p>\n<p>[\/superbalke_son][superbalke_son numbericon=&#8221;three&#8221; color=&#8221;#666666&#8243; produkt_link=&#8221;url:%23this|title:Legal%20defence%20insurance|rel:nofollow|&#8221;]<\/p>\n<p><em>Very good value for money and low premiums, with a price advantage for Bohemia customers<\/em><\/p>\n<p>[\/superbalke_son][superbalke_son numbericon=&#8221;four&#8221; color=&#8221;#666666&#8243; produkt_link=&#8221;url:%23this|title:Legal%20defence%20insurance|rel:nofollow|&#8221;]<\/p>\n<p><em>Legal expenses insurance: Your protection against high costs.<\/em><\/p>\n<p>[\/superbalke_son][\/superbalke_father][vc_btn title=&#8221;read more&#8221; shape=&#8221;round&#8221; color=&#8221;btn-circle-down&#8221; link=&#8221;url:%23this|title:Legal%20defence%20insurance|&#8221; el_id=&#8221;this&#8221;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1688731805133{background-color: #8d8a81 !important;}&#8221; el_class=&#8221;dunkel&#8221;][vc_column css=&#8221;.vc_custom_1657191406755{padding-top: 0px !important;}&#8221;][vc_custom_heading text=&#8221;<strong>Legal defence<\/strong> <em>insurance<\/em>&#8221; font_container=&#8221;tag:h1|text_align:left|color:%23f6ecda&#8221; el_class=&#8221;invert&#8221;][vc_column_text]<span style=\"color: #f6ecda;\">In unforeseen situations,<br \/>\nit may prove necessary to call on the services of a lawyer.<\/span><br \/>\n<span style=\"color: #f6ecda;\">There is legal defence insurance for every occasion and for every group.<\/span><br \/>\n<span style=\"color: #f6ecda;\">These insurance policies can be taken out by families, individuals, motorists, businesses,<br \/>\nthe self-employed and even homeowners and housing associations.<\/span><br \/>\n<span style=\"color: #f6ecda;\">By taking out legal defence insurance, you are protected in situations where you need to claim compensation or seek advice from a lawyer if your rights are infringed.<\/span>[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; content_placement=&#8221;top&#8221; el_class=&#8221;super-balke-container-small&#8221;][vc_column css_animation=&#8221;none&#8221;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1688731824697{background-color: #8d8a81 !important;}&#8221; el_class=&#8221;bullets-block dunkel&#8221;][vc_column][vc_custom_heading text=&#8221;<strong>Tailored<\/strong> <em>to your needs<\/em>&#8221; font_container=&#8221;tag:p|text_align:left|color:%23f6ecda&#8221; css_animation=&#8221;fadeInRight&#8221; el_class=&#8221;heading-size-1 invert&#8221;][vc_custom_heading text=&#8221;What cover is available with legal defence insurance?&#8221; font_container=&#8221;tag:h2|text_align:left|color:%23f3e6ce&#8221; el_class=&#8221;heading-size-4&#8243;][vc_column_text]<\/p>\n<ul>\n<li><span style=\"color: #f6ecda;\">Private legal defence insurance<\/span>\n<ul>\n<li><span style=\"color: #f6ecda;\">Separations, divorces, marriage contracts, dissolution of community of property and other economic arrangements, marital relations, children, inheritances, etc.<\/span><\/li>\n<li><span style=\"color: #f6ecda;\">Housing (as tenant or landlord): defence in disputes with household employees; contractual and non-contractual disputes.<\/span><\/li>\n<li><span style=\"color: #f6ecda;\">Labour: contracts, non-payment of wages, social security, pensions, incapacity, dismissals, etc.<\/span><\/li>\n<li><span style=\"color: #f6ecda;\">As a consumer: purchases, telephony, internet, utilities (water, electricity, gas), garages, leisure and travel.<\/span><\/li>\n<li><span style=\"color: #f6ecda;\">Criminal defence<\/span><\/li>\n<li><span style=\"color: #f6ecda;\">Personal support, advice and assistance from a specialised lawyer.<\/span><\/li>\n<li><span style=\"color: #f6ecda;\">Legal documents, such as drafting and reviewing contracts.<\/span><\/li>\n<li><span style=\"color: #f6ecda;\">Fees of professionals intervening in litigation.<\/span><\/li>\n<li><span style=\"color: #f6ecda;\">Urgent expenses.<\/span><\/li>\n<li><span style=\"color: #f6ecda;\">Appeals, remedies and transactions.<\/span><\/li>\n<li><span style=\"color: #f6ecda;\">Defence and inheritance claims.<\/span><\/li>\n<li><span style=\"color: #f6ecda;\">Bail bonds.<\/span><\/li>\n<li><span style=\"color: #f6ecda;\">Identity theft.<\/span><\/li>\n<li><span style=\"color: #f6ecda;\">Legal expenses in the areas of criminal defence, employment, road traffic accidents, separation or divorce, tax and housing.<\/span><\/li>\n<li><span style=\"color: #f6ecda;\">Criminal defence: Coverage in case of criminal charges.<\/span><\/li>\n<li><span style=\"color: #f6ecda;\">Civil defence: Coverage in case of imprudence, negligence or inexperience in private life.<\/span><\/li>\n<li><span style=\"color: #f6ecda;\">Employment law: settlement of employment disputes, either against the company or for a claim for social security benefits.<\/span><\/li>\n<li><span style=\"color: #f6ecda;\">Consumer rights: claims for breach of contract.<\/span><\/li>\n<li><span style=\"color: #f6ecda;\">Telephone legal advice: a team of specialised lawyers promptly attends to the clarification of questions and doubts of a legal nature that may arise in the field of private life. For example:<\/span>\n<ul>\n<li><span style=\"color: #f6ecda;\">Drawing up a tenancy agreement, dealing with a defaulting tenant.<\/span><\/li>\n<li><span style=\"color: #f6ecda;\">Separations, divorces, annulments, maintenance payments, inheritances.<\/span><\/li>\n<li><span style=\"color: #f6ecda;\">Conflicts with online purchases.<\/span><\/li>\n<li><span style=\"color: #f6ecda;\">Problems with the condominium owners&#8217; association or neighbours of the same.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<li><span style=\"color: #f6ecda;\">Family &#8211; legal protection<\/span>\n<ul>\n<li><span style=\"color: #f6ecda;\">The most comprehensive legal expenses insurance for any type of family: Family legal expenses insurance protects every family with older and younger members. With this insurance, you can count on specialised lawyers for any mishap or legal doubt that arises in your daily life. It includes defence in legal proceedings at no additional cost.<\/span><\/li>\n<\/ul>\n<\/li>\n<li><span style=\"color: #f6ecda;\">Squatters&#8217; insurance<\/span>\n<ul>\n<li><span style=\"color: #f6ecda;\">Squatters insurance provides all the legal protection you need in the event of a squat in your home, whether it is your usual residence, a second home or business premises.<\/span><\/li>\n<\/ul>\n<\/li>\n<li><span style=\"color: #f6ecda;\">Loss of rent insurance<\/span>\n<ul>\n<li><span style=\"color: #f6ecda;\">If you are a landlord, we also provide cover for non-payment of rent.<\/span><\/li>\n<\/ul>\n<\/li>\n<li><span style=\"color: #f6ecda;\">Homeowners&#8217; association<\/span>\n<ul>\n<li><span style=\"color: #f6ecda;\">Protects the property and the people who manage it.<\/span><\/li>\n<\/ul>\n<\/li>\n<li><span style=\"color: #f6ecda;\">Hunting insurance<\/span>\n<ul>\n<li><span style=\"color: #f6ecda;\">If your gun goes off accidentally and you injure someone, your insurance will pay for any bodily injury claims.<\/span><\/li>\n<\/ul>\n<\/li>\n<li><span style=\"color: #f6ecda;\">Fishing insurance<\/span>\n<ul>\n<li><span style=\"color: #f6ecda;\">Compulsory liability with additional guarantees for anglers.<\/span><\/li>\n<\/ul>\n<\/li>\n<li><span style=\"color: #f6ecda;\">Insurance against loss of driving licence<\/span>\n<ul>\n<li><span style=\"color: #f6ecda;\">Monthly compensation for the revocation of your driving licence as well as enrolment fees for the recovery of points.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1688731832674{background-color: #8d8a81 !important;}&#8221; el_class=&#8221;details&#8221;][vc_column][bohe_carousel_small_father vertikalalign=&#8221;slider-center&#8221; backcolor=&#8221;#282626&#8243; textcolor=&#8221;#f3e6ce&#8221;][bohe_carousel_small_son contentheader=&#8221;&#8221;]<\/p>\n<h4 style=\"color: #f3e6ce;\">The purpose of legal defence insurance<\/h4>\n<p>is to protect the interests of insured persons in the event of problems they face that may affect their property or rights. For this reason, legal expenses companies cover the costs that their clients may incur through court, arbitration or administrative proceedings. For this reason, legal expenses companies cover the costs that their clients may incur through court, arbitration or administrative proceedings.<br \/>\nIn this way, the client receives legal assistance without having to bear the high costs that these types of proceedings usually entail: Lawyers\u2019 fees, court fees, notary fees and even bail in criminal proceedings.[\/bohe_carousel_small_son][bohe_carousel_small_son contentheader=&#8221;&#8221;]Any activity in our daily lives, such as even making a purchase on the Internet, using a service, signing an employment contract or defending our rights as homeowners, may, without us being aware of it, require the opinion or clarification of a professional.<br \/>\nEven the services of a lawyer to represent our own interests in the event that our rights are not fulfilled may become necessary.[\/bohe_carousel_small_son][bohe_carousel_small_son contentheader=&#8221;&#8221;]<\/p>\n<p class=\"nopadding\"><strong>What are the main benefits of legal expenses insurance?<\/strong><\/p>\n<ul>\n<li>Unlimited legal assistance by telephone: the lawyers are available to clarify legal issues, with an unlimited number of consultations.<\/li>\n<li>Consumer defence: The insurance company will advise you and take the appropriate steps if you have bought something and are not satisfied.<\/li>\n<li>Drafting and reviewing contracts: If you want to draft a legal document or have it reviewed, the company\u2019s lawyers are at your disposal.<\/li>\n<li>Legal defence against the public administration: if you are faced with a sanction or want to defend your rights as a citizen, the company will defend you.<\/li>\n<\/ul>\n<p>[\/bohe_carousel_small_son][bohe_carousel_small_son contentheader=&#8221;&#8221;]<\/p>\n<p class=\"nopadding\"><strong>What are the differences between legal protection (protecci\u00f3n jur\u00eddica) and legal defence (defensa jur\u00eddica)?<\/strong><\/p>\n<p>With legal protection (protecci\u00f3n jur\u00eddica), the insurer covers the costs that the insured person may incur as a result of intervention in administrative, judicial or arbitration proceedings. The insurer provides the insured person with the judicial and extrajudicial legal assistance services derived from the insurance cover.<br \/>\nLegal defence (defensa jur\u00eddica) has the same purpose, but the insurer has the right to appoint the lawyers, prosecutors and experts himself.<br \/>\nWith legal defence (defensa jur\u00eddica), the insured person has this right on his or her side.[\/bohe_carousel_small_son][\/bohe_carousel_small_father][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; el_class=&#8221;details&#8221; css=&#8221;.vc_custom_1688731841237{background-color: #8d8a81 !important;}&#8221;][vc_column][vc_custom_heading text=&#8221;Modalities of the legal expenses insurance&#8221; font_container=&#8221;tag:h4|text_align:left|color:%23f6ecda&#8221;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; el_class=&#8221;dunkel two-column-imageback details&#8221; css=&#8221;.vc_custom_1688731864457{background-color: #8d8a81 !important;}&#8221;][vc_column css=&#8221;.vc_custom_1690624457568{background-image: url(https:\/\/bohemia-mallorca.com\/wp-content\/uploads\/2023\/06\/recht-schutz-versicherung-spanien_quer-jpg.webp?id=42275) !important;}&#8221;][vc_row_inner equal_height=&#8221;yes&#8221; el_class=&#8221;two-columns bild-oben&#8221; el_id=&#8221;tothetop&#8221;][vc_column_inner width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1688731874812{border-right-width: 1.5rem !important;border-bottom-width: 1.5rem !important;border-left-width: 1.5rem !important;border-left-color: #8d8a81 !important;border-left-style: solid !important;border-right-color: #8d8a81 !important;border-right-style: solid !important;border-bottom-color: #8d8a81 !important;border-bottom-style: solid !important;}&#8221;][vc_custom_heading text=&#8221;Homeowners&#8217; association&#8221; font_container=&#8221;tag:div|text_align:left&#8221; link=&#8221;url:%23block-one|title:Homeowners%27%20association|&#8221; css=&#8221;.vc_custom_1668586174899{background-color: #ffffff !important;}&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1688731882294{border-right-width: 1.5rem !important;border-bottom-width: 1.5rem !important;border-left-width: 1.5rem !important;border-left-color: #8d8a81 !important;border-left-style: solid !important;border-right-color: #8d8a81 !important;border-right-style: solid !important;border-bottom-color: #8d8a81 !important;border-bottom-style: solid !important;}&#8221;][vc_custom_heading text=&#8221;Loss of rent insurance&#8221; font_container=&#8221;tag:div|text_align:left&#8221; link=&#8221;url:%23block-two|title:Loss%20of%20rent%20insurance|&#8221; css=&#8221;.vc_custom_1668586186537{background-color: #b1d3bb !important;}&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner equal_height=&#8221;yes&#8221; el_class=&#8221;two-columns bild-oben&#8221;][vc_column_inner width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1688731889603{border-right-width: 1.5rem !important;border-bottom-width: 1.5rem !important;border-left-width: 1.5rem !important;border-left-color: #8d8a81 !important;border-left-style: solid !important;border-right-color: #8d8a81 !important;border-right-style: solid !important;border-bottom-color: #8d8a81 !important;border-bottom-style: solid !important;}&#8221;][vc_custom_heading text=&#8221;Squatters&#8217; insurance&#8221; font_container=&#8221;tag:div|text_align:left&#8221; link=&#8221;url:%23block-three|title:Squatters%27%20insurance|&#8221; css=&#8221;.vc_custom_1668586207262{background-color: #f3e6ce !important;}&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1688731898096{border-right-width: 1.5rem !important;border-bottom-width: 1.5rem !important;border-left-width: 1.5rem !important;border-left-color: #8d8a81 !important;border-left-style: solid !important;border-right-color: #8d8a81 !important;border-right-style: solid !important;border-bottom-color: #8d8a81 !important;border-bottom-style: solid !important;}&#8221;][vc_custom_heading text=&#8221;Insurance against loss of driving licence&#8221; font_container=&#8221;tag:div|text_align:left&#8221; link=&#8221;url:%23block-four|title:Insurance%20against%20loss%20of%20driving%20licence|&#8221; css=&#8221;.vc_custom_1668586197496{background-color: #cccccc !important;}&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner equal_height=&#8221;yes&#8221; el_class=&#8221;two-columns bild-oben&#8221;][vc_column_inner width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1688731904263{border-right-width: 1.5rem !important;border-bottom-width: 1.5rem !important;border-left-width: 1.5rem !important;border-left-color: #8d8a81 !important;border-left-style: solid !important;border-right-color: #8d8a81 !important;border-right-style: solid !important;border-bottom-color: #8d8a81 !important;border-bottom-style: solid !important;}&#8221;][vc_custom_heading text=&#8221;Hunting insurance&#8221; font_container=&#8221;tag:div|text_align:left&#8221; link=&#8221;url:%23block-five|title:Hunting%20insurance|&#8221; css=&#8221;.vc_custom_1668586216565{background-color: #c3aa9d !important;}&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1688731911155{border-right-width: 1.5rem !important;border-bottom-width: 1.5rem !important;border-left-width: 1.5rem !important;border-left-color: #8d8a81 !important;border-left-style: solid !important;border-right-color: #8d8a81 !important;border-right-style: solid !important;border-bottom-color: #8d8a81 !important;border-bottom-style: solid !important;}&#8221;][vc_custom_heading text=&#8221;Anglers\u2019 insurance&#8221; font_container=&#8221;tag:div|text_align:left&#8221; link=&#8221;url:%23block-six|title:Anglers%E2%80%99%20insurance|&#8221; css=&#8221;.vc_custom_1668586224432{background-color: #b1dbf0 !important;}&#8221;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; el_class=&#8221;dunkel details&#8221; css=&#8221;.vc_custom_1688731978463{background-color: #8d8a81 !important;}&#8221;][vc_column][vc_row_inner el_class=&#8221;blocks dunkel&#8221; el_id=&#8221;block-one&#8221;][vc_column_inner el_class=&#8221;round-center&#8221; css=&#8221;.vc_custom_1654068443529{background-color: #ffffff !important;}&#8221;][vc_column_text]<strong>Homeowners&#8217; association<\/strong><br \/>\nThis insurance protects the property and the people who manage it.<br \/>\nLife in a condominium owners\u2019 association is always complicated. The larger the property, the more likely there will be problems or disagreements between neighbours.<br \/>\nThis insurance protects the community of owners, the president and other members of the board of directors, and the administrator or secretary.<\/p>\n<p>Coverages:<\/p>\n<ul class=\"nopadding\">\n<li>Legal protection against civil and criminal liability<\/li>\n<li>Defence of rights relating to the property<\/li>\n<li>Claims for breach of contract<\/li>\n<li>Defence of other insurances<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_btn title=&#8221;Top&#8221; color=&#8221;btn-top&#8221; align=&#8221;right&#8221; link=&#8221;url:%23tothetop|title:top|rel:nofollow|&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner el_class=&#8221;blocks dunkel&#8221; el_id=&#8221;block-two&#8221;][vc_column_inner el_class=&#8221;round-center&#8221; css=&#8221;.vc_custom_1654068515962{background-color: #b1d3bb !important;}&#8221;][vc_column_text]<strong>Loss of rent insurance<\/strong><br \/>\nThe most comprehensive insurance for non-payment of rent.<br \/>\nIf you are the owner of a rented property or building, you can protect yourself from possible disputes due to non-payment of rent with loss of rent insurance.<\/p>\n<p>Do you own premises and want to rent them out?<br \/>\nIf you rent out your premises and want to guarantee payment of the monthly instalments, this is the best insurance for you.<br \/>\nForget about possible problems, because lawyers will be at your side to claim and defend your rights and guarantee the collection of the monthly rent.<\/p>\n<p>Coverages:<\/p>\n<ul class=\"nopadding\">\n<li>Non-payment of rent (options up to 18 months)<\/li>\n<li>Defence and enforcement of the lease<\/li>\n<li>Criminal defence<\/li>\n<li>Claims for damage caused to the property and its contents.<\/li>\n<li>Vandalism to the building<\/li>\n<li>Legal advice by telephone<\/li>\n<li>Locksmiths and lock costs<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>Frequently asked questions and answers about insurance for non-payment of rent<br \/>\n<em><strong>Who pays for the insurance?<\/strong><\/em><br \/>\nWe recommend that this legal expenses insurance is always paid by the landlord.<br \/>\n<em><strong><br \/>\nHow long is the insurance valid?<\/strong><\/em><br \/>\nThis insurance is valid for one year and is automatically renewed if not cancelled in writing.<br \/>\n<em><strong><br \/>\nWhen do I start receiving the monthly rent payment in advance?<\/strong><\/em><br \/>\nThe advance payment of unpaid rent by the insurance company will be made within 3 months of the first unpaid monthly payment once the dispute has been initiated.<br \/>\n<em><strong><br \/>\nIs non-payment of utilities covered?<\/strong><\/em><br \/>\nAs long as the tenant has not paid their rent, your insurance will cover the cost of the lower of the outstanding debt or the change or re-registration of the utility contract (water, gas and electricity) up to a maximum of \u20ac150.<br \/>\n<em><strong><br \/>\nWhat happens if the tenant moves out or a change of tenant is imminent?<\/strong><\/em><br \/>\nIf the tenant moves out or the tenant changes, it is not necessary to cancel the insurance you have taken out. In this sense, it is sufficient to contact us and make a temporary suspension by signing the cancellation agreement.<br \/>\n<em><strong><br \/>\nWhat happens if the tenant moves out during the default?<\/strong><\/em><br \/>\nIn the event that the defaulting tenant hands in the keys and leaves the flat even though you have already informed us of the non-payment but the eviction action has not yet been filed, we will still pay you an advance of up to 2 months of the non-payment (minus the monthly deductible).[\/vc_column_text][vc_btn title=&#8221;Top&#8221; color=&#8221;btn-top&#8221; align=&#8221;right&#8221; link=&#8221;url:%23tothetop|title:top|rel:nofollow|&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner el_class=&#8221;blocks dunkel&#8221; el_id=&#8221;block-three&#8221;][vc_column_inner el_class=&#8221;round-center&#8221; css=&#8221;.vc_custom_1654068591371{background-color: #f3e6ce !important;}&#8221;][vc_column_text]<\/p>\n<p class=\"nopadding\"><strong>Squatters&#8217; insurance<\/strong><br \/>\nA house is more than just a home. It is the place where you realise your dreams and, in many cases, a life project. Therefore, nothing should be more important than the security of your home to protect it from unforeseen events and unwanted situations.<br \/>\nSquatters insurance offers you all the legal protection you need in the event of a squat in your flat or house. Whether this is your usual place of residence, a second home or business premises, it does not matter.<\/p>\n<p>Coverages:<\/p>\n<ul class=\"nopadding\">\n<li>You are entitled to compensation for any damage your home has suffered during the occupation.<\/li>\n<li>A specialist lawyer will advise you on how to proceed in the event of an occupation of your home.<\/li>\n<li>Fees, rights and legal costs arising from the handling of the proceedings in question.<\/li>\n<li>Costs arising from the mediation process.<\/li>\n<li>Lawyers\u2019 fees.<\/li>\n<li>Notary fees and expenses for the granting of powers of attorney and for minutes, subpoenas and other acts necessary to defend the interests of the insured person.<\/li>\n<li>The fees and expenses of any necessary expert witnesses.<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_btn title=&#8221;Top&#8221; color=&#8221;btn-top&#8221; align=&#8221;right&#8221; link=&#8221;url:%23tothetop|title:top|rel:nofollow|&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner el_class=&#8221;blocks dunkel&#8221; el_id=&#8221;block-four&#8221;][vc_column_inner el_class=&#8221;round-center&#8221; css=&#8221;.vc_custom_1654068643034{background-color: #cccccc !important;}&#8221;][vc_column_text]<strong>Insurance against loss of driving licence<\/strong><br \/>\nIf you depend on your vehicle for your work, a loss of points that leads to the revocation of your driving licence can cause you financial, professional and personal damage.<br \/>\nLoss of driving licence insurance offers you protection against the loss of points.<\/p>\n<p>Coverages:<\/p>\n<ul class=\"nopadding\">\n<li>Monthly compensation for the revocation of your driving licence<\/li>\n<li>DGT enrolment fees for the partial or full recovery of points in courses<\/li>\n<li>Costs for immobilisation and removal of the vehicle<\/li>\n<li>Legal advice, legal protection, legal defence<\/li>\n<li>Appeals<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_btn title=&#8221;Top&#8221; color=&#8221;btn-top&#8221; align=&#8221;right&#8221; link=&#8221;url:%23tothetop|title:top|rel:nofollow|&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner el_class=&#8221;blocks dunkel&#8221; el_id=&#8221;block-five&#8221;][vc_column_inner el_class=&#8221;round-center&#8221; css=&#8221;.vc_custom_1654068668658{background-color: #c3aa9d !important;}&#8221;][vc_column_text]<strong>Hunting insurance<\/strong><br \/>\nHunting insurance can be taken out in Spain in various forms. This can be insurance for compulsory cover. Additional protection can be taken out for your physical integrity, your weapons and or even your hunting dogs.<\/p>\n<p><strong>Insurance cover for hunting<\/strong><\/p>\n<p><strong>Compulsory civil liability of hunters<\/strong><br \/>\nIf your gun goes off accidentally and you injure someone, your insurance will pay for any bodily injury claims.<br \/>\n<em><strong><br \/>\nVoluntary civil liability for hunting and fishing<\/strong><\/em><br \/>\nThe value is \u20ac90,151.82 per person under the terms of the Civil Liability Insurance Regulations.<br \/>\n<em><strong><br \/>\nDeath and disability <\/strong><\/em><br \/>\nIf you die as a result of an accident during your hunting or fishing activities, your beneficiaries will receive the insured capital and an advance of up to \u20ac1,502.53 for the costs incurred.<br \/>\n<em><strong><br \/>\nPermanent total or partial disability <\/strong><\/em><br \/>\nIf you suffer a hunting accident and become totally disabled, you will receive the full insured capital.<br \/>\nIn the case of partial incapacity, the amount of the pension depends on the degree of incapacity.<br \/>\n<em><strong><br \/>\n24 h travel repatriation<\/strong><\/em><br \/>\nIf you have an accident abroad, the costs of transport to a hospital in Spain are covered. In addition to medical expenses, the costs of bail bonds, lawyers or costs for serious illnesses are also covered up to a maximum of 3,005.06 euros.<br \/>\n<em><strong><br \/>\nHealth costs<\/strong><\/em><br \/>\nIf you suffer an accident and need to be rescued, search and rescue costs are covered up to 10% of the insured capital for permanent disability.<br \/>\n<em><strong><br \/>\nHunting rifles<\/strong><\/em><br \/>\nIf your rifle is stolen, up to 100 % of the sum insured is covered.<br \/>\n<em><strong><br \/>\nDeath of dogs <\/strong><\/em><br \/>\nIf your dog is shot and killed, your insurance will cover up to 100% of the sum insured.[\/vc_column_text][vc_btn title=&#8221;Top&#8221; color=&#8221;btn-top&#8221; align=&#8221;right&#8221; link=&#8221;url:%23tothetop|title:top|rel:nofollow|&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner el_class=&#8221;blocks dunkel&#8221; el_id=&#8221;block-six&#8221;][vc_column_inner el_class=&#8221;round-center&#8221; css=&#8221;.vc_custom_1654068726287{background-color: #b1dbf0 !important;}&#8221;][vc_column_text]<strong>Anglers\u2019 insurance<\/strong><br \/>\nAnglers\u2019 insurance lets you enjoy your hobby with peace of mind: a flexible solution that allows you to cover compulsory liability and include the additional guarantees you need.<\/p>\n<p>Coverages:<\/p>\n<ul class=\"nopadding\">\n<li>Third party liability<\/li>\n<li>Personal accidents of the fisherman<\/li>\n<li>National or worldwide travel assistance (except USA, Canada and Mexico)<\/li>\n<li>Extension of cover to the European Union or worldwide (except USA, Canada and Mexico)<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_btn title=&#8221;Top&#8221; color=&#8221;btn-top&#8221; align=&#8221;right&#8221; link=&#8221;url:%23tothetop|title:top|rel:nofollow|&#8221;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1688732007226{background-color: #8d8a81 !important;}&#8221; el_class=&#8221;super-balke-container-big&#8221;][vc_column][vc_row_inner el_class=&#8221;super-balke-slider&#8221; css=&#8221;.vc_custom_1689562792987{background-color: rgba(243,230,206,0.8) !important;*background-color: rgb(243,230,206) !important;}&#8221;][vc_column_inner][superbalke_father slides=&#8221;4&#8243;][superbalke_son color=&#8221;#666666&#8243; produkt_link=&#8221;url:%23|title:Car%20insurance|rel:nofollow|&#8221;]<em>We speak your language<\/em><\/p>\n<p>We advise you in your mother tongue.[\/superbalke_son][superbalke_son color=&#8221;#666666&#8243; produkt_link=&#8221;url:%23|title:Car%20insurance|rel:nofollow|&#8221;]<em>Advice<\/em><\/p>\n<p>Your insurance tailored to your needs.[\/superbalke_son][superbalke_son color=&#8221;#666666&#8243; produkt_link=&#8221;url:%23|title:Car%20insurance|rel:nofollow|&#8221;]<em>Experience<\/em><\/p>\n<p>Many years of experience in the Spanish insurance market.[\/superbalke_son][superbalke_son color=&#8221;#666666&#8243; produkt_link=&#8221;url:%23|title:Car%20insurance|rel:nofollow|&#8221;]<em>Throughout Spain<\/em><\/p>\n<p>We offer service throughout Spain.[\/superbalke_son][\/superbalke_father][vc_btn title=&#8221;more details&#8221; shape=&#8221;round&#8221; color=&#8221;btn-circle-down&#8221; align=&#8221;center&#8221; link=&#8221;url:%23|title:Car%20insurance|rel:nofollow|&#8221; el_class=&#8221;bohe-open-weitere&#8221;][vc_btn title=&#8221;close&#8221; shape=&#8221;round&#8221; color=&#8221;btn-circle-up&#8221; align=&#8221;center&#8221; link=&#8221;url:%23|title:Car%20insurance|rel:nofollow|&#8221; el_class=&#8221;bohe-close-weitere&#8221;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1688732015589{background-color: #8d8a81 !important;}&#8221;][vc_column][vc_row_inner el_id=&#8221;contact-forms&#8221;][vc_column_inner width=&#8221;1\/2&#8243; el_id=&#8221;anfrage&#8221;][vc_btn title=&#8221;Calculate offer&#8221; shape=&#8221;square&#8221; color=&#8221;btn-weiter-small&#8221; align=&#8221;center&#8221; button_block=&#8221;true&#8221; el_class=&#8221;bohe-anfrage-open&#8221; link=&#8221;url:%23|title:Calculate%20offer|rel:nofollow|&#8221; css=&#8221;.vc_custom_1687183125501{margin-bottom: 0px !important;}&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243; el_id=&#8221;termin&#8221;][vc_btn title=&#8221;Arrange appointment&#8221; shape=&#8221;square&#8221; color=&#8221;btn-weiter-small&#8221; align=&#8221;center&#8221; button_block=&#8221;true&#8221; el_class=&#8221;bohe-termin-open&#8221; link=&#8221;url:%23|title:Arrange%20appointment|rel:nofollow|&#8221;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221; el_class=&#8221;forms-newdetails&#8221;][vc_column][vc_row_inner el_class=&#8221;form-back&#8221;][vc_column_inner][vc_raw_html el_class=&#8221;getform&#8221;][\/vc_raw_html][\/vc_column_inner][\/vc_row_inner][vc_row_inner el_class=&#8221;anfrage&#8221; el_id=&#8221;tripetto_65&#8243;][vc_column_inner][\/vc_column_inner][\/vc_row_inner][vc_row_inner el_class=&#8221;termin&#8221; el_id=&#8221;tripetto_43|booking_rlegal-defence-insurance&#8221;][vc_column_inner][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1688732025441{background-color: #8d8a81 !important;}&#8221;][vc_column][vc_raw_html]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[\/vc_raw_html][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; css=&#8221;.vc_custom_1679966488230{background-color: #f4ebd0 !important;}&#8221; el_class=&#8221;dunkel&#8221;][vc_column]<div class=\"wpb_content_element footer-line dunkel\">Didn't find what you were looking for? <a href=\"\/en\/contact\/\" class=\"bohe-weiter\">Write to us<\/a><\/div>[vc_custom_heading text=&#8221;Our insurance companies&#8221; font_container=&#8221;tag:h3|text_align:center&#8221; link=&#8221;url:%2Fen%2Four-insurance-companies%2F|title:Our%20insurance%20companies|&#8221; el_class=&#8221;heading-size-3&#8243;]\t\n\t\t<div id=\"gs_logo_area_1\" class=\"gs_logo_area gs_logo_area_1 slider1\" style=\"opacity: 0; visibility: hidden;\">\n\t\t\t<div class=\"gs_logo_area--inner\">\n\t\n\t\t\t\t\n<div class=\"gs_logo_container gs_carousel_swiper gs_logo_fix_height_and_center\" data-carousel-config='{\"direction\":\"horizontal\",\"speed\":500,\"isAutoplay\":true,\"autoplayDelay\":2000,\"loop\":true,\"pauseOnHover\":true,\"ticker\":false,\"navs\":false,\"navs_pos\":\"bottom\",\"dots\":false,\"dynamic_dots\":true,\"slideSpace\":10,\"slidesPerGroup\":1,\"desktopLogos\":5,\"tabletLogos\":3,\"mobileLogos\":2,\"reverseDirection\":false}'>\n\n\t\n\t\t\n\t\t\t<div class=\"gs_logo_single--wrapper\">\n\t\t\t\t<div class=\"gs_logo_single\">\n\n\t\t\t\t\t<!-- Logo Img -->\n\t\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"100\" src=\"https:\/\/bohemia-mallorca.com\/wp-content\/uploads\/2022\/11\/dkv-seguros-mallorca-versicherungen-salud-gesundheit-espana.png\" class=\"gs-logo--img wp-post-image\" alt=\"DKV seguros Mallorca\" title=\"1-DVK\" \/>\n\t\t\t\t\t<!-- Logo Title -->\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<!-- Logo Category -->\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\n\t\t\t<div class=\"gs_logo_single--wrapper\">\n\t\t\t\t<div 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