Garage owner association insurance

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What makes our garage owner association insurance different

Garage owner association insurance offers the best protection, care and coverage for associations of garage owners, in line with the characteristics and needs of each property with specific guarantees and services for the care of these areas.

Claims for non-payment

We defend your association's interests against all types of non-payment: non-payment or delay in payment of bills, extraordinary charges, etc.

Pest service

Our pest control service will take care of eliminating any cockroaches or rodents in the garage.

Discounts

If your association's garage is insured with Occident, you will be entitled to a special discount when you take out your Home insurance.

Revaluation of capital

The garage owner association policy updates the value of the capital annually to ensure it is in line with current values.

Easy payment

We adapt to your payment preferences: choose whether you prefer to pay the fee in instalments or make a single annual payment.

What our garage owner association insurance covers

Fire, explosion and smoke.
Electrical damage.
Atmospheric phenomena.
Caused by water due to burst pipes, roof leaks, failure to turn off taps.
Leakage.
Communal pipe blockage.
Acts of vandalism or malice.

Windows, glass panels, mirrors, glass and methacrylate elements located in shared areas of the communal garage.
Solar panels, both direct, material damage, and installation and assembly costs in the event of malfunctions.
And also vitroceramic hobs in buildings with a single owner.

You will be protected in the event of theft or robbery in the communal garage area.

Water damage
To the Property
Employer liability
Liability of the management board
Liability for environmental pollution

We cover damage suffered by vehicles inside the communal garage as a result of fire, explosion or total theft of the vehicle.

Occident meets the expenses arising from the legal defence of the interests of the community owning the garage, plus other benefits, which are covered by two types of contract:

The "Basic" contract includes: Legal assistance by telephone, claims against owners for non-payment of expenses, claims for damages and other rights in the building and annexes, claims for damage to common elements caused by joint owners, defence of your rights in disputes with the Consortium, and defence in criminal proceedings.
The "Extended" option includes the following, in addition to the guarantees of the "Basic" option: Claims for non-compliance with contracts for the purchase of goods, claims for non-compliance with service contracts, claims for non-compliance with company contracts for rehabilitation or refurbishment, and defence for employment contracts and administrative matters.

Services included in our garage owner association insurance

Goodbye to pests

We send a professional to the building if cockroaches, rats or mice are detected.

1 visit per year.
In less than 48 hours.
1 month guarantee.

Go to Pest control

A network of professionals to advise you

Lift installation, removal of barriers, etc. We resolve any doubts that may arise in your community.

With just one phone call.
Advice on regulations.
We also offer specialised architecture services.

Go to Technical advice on buildings

Everything you need to know about the management of your building

An advisory service for the chairperson of the owners' association.

With just one phone call.
Specialist lawyers.

Go to Property management

Preguntas más frecuentes

Todas las comunidades pueden ser aseguradas: las que tienen una antigüedad superior a los 80 años requieren de una inspección previa para revisar su estado de mantenimiento, reformas realizadas en sus conducciones e instalaciones, etc.

The civil liability guarantee covers any compensation payable by a community of property owners who own a garage for direct bodily harm, material damage or loss caused unintentionally to third parties, as a result of incidents directly related to the insured building.

There are several options for reinforcing civil liability coverage for community garages:

Civil liability for the building: liability arising from ownership of the insured building, including the actions of employees contracted by the community.
Employers' civil liability: covers compensation payable in the event of work-related accidents sustained by employees of the community while working in the insured garage.
Civil liability of the management board: protects the association's management board in the exercise of its duties.
Civil liability for environmental pollution: coverage for environmental damage caused by the discharge of pollutants.

With the Rental Loss guarantee, Occident will pay compensation based on the effective monthly rental from the time it ceases to be paid until the parking spaces can be used again.

Community garages has a claims service to demand payment by owners if they should fail to meet their obligations: non-payment or delay in payment of bills, extraordinary charges, etc.

Preguntas más frecuentes

Garage owner association insurance

What makes our garage owner association insurance different

Claims for non-payment

Pest service

Discounts

Revaluation of capital

Easy payment

What our garage owner association insurance covers

Damage

Breakage of glass, mirrors, vitroceramic hobs and solar panels

Theft and robbery in the communal garage

Civil Liability

Parked vehicles

Claims and legal defence

Services included in our garage owner association insurance

Pest control

Technical advice on buildings

Property management

Goodbye to pests

A network of professionals to advise you

Everything you need to know about the management of your building

Preguntas más frecuentes

¿Puedo asegurar mi garaje comunitario si el inmueble tiene más de 80 años?

What types of civil liability do you need for a garage belonging to an association of property owners?

What about the income I lose if I cannot rent a parking space due to an incident?

How can my community protect itself against claims or non-payment by owners?

Consult documentation

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