Our Office in Barcelona

Find us easily and plan your visit to discuss insurance and risk management.

Address

Carrer Marta, 64, 34º B

Business Hours

Monday to Friday: 9:00 - 18:00

Key Clarifications and Definitions

Understanding the terms and conditions is fundamental for proper planning. This section clarifies common concepts and clears up doubts about risk management and insurance in everyday life.

Definition
What is considered an "insurable risk"?
An insurable risk is a future, uncertain event independent of the insured's will, the occurrence of which causes a quantifiable economic loss. Not all everyday risks are insurable; they must be concrete and defined in the policy.
Coverage
What does "protection" mean in the context of insurance?
Protection refers to the financial transfer of risk to the insurer, who is obligated to indemnify, within the agreed limits, the economic loss suffered. It is a management mechanism, not a guarantee that the event will not occur.
Exclusion
What events are typically excluded from basic policies?
Intentional acts by the insured, damage from war or nuclear catastrophes, normal wear and tear, and risks that were already materializing before the contract was signed. It is crucial to read the specific exclusions of each contract.
Condition
Is the promised financial "security" absolute?
No. The financial security provided by insurance is subject to the policy's terms, coverage limits, deductibles, and general conditions. It is a planning tool that mitigates economic impact, not one that eliminates it completely.
Interpretation
How are ambiguous clauses in a contract interpreted?
According to regulations, in case of doubt, they will be interpreted in the manner most favorable to the insured. However, this underscores the importance of clear wording and requesting clarifications before signing.

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Contact Us

At BMISigorta, we are here to help you with your security planning. Get in touch to discuss insurance and risk management.

Contact Information

  • AddressCarrer Marta, 64, 34º B
  • Phone+34 994 930702
  • Emailinfo@bmisigorta.com
  • Business HoursMonday to Friday: 9:00 - 18:00
  • AssistanceSaturdays: 10:00 - 14:00 (by appointment only)
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