1. The MyBox Home insurance policy has an initial duration of three years, and the premium is paid monthly. There are no surcharges for payment in instalments. If the insurance is renewed, the renewal premium may be recalculated in accordance with the conditions of the policy. From the fourth year onwards, the MyBox insurance policy will be automatically renewed annually. Subject to MyBox terms and conditions. You can consult the contract conditions at any CaixaBank branch or at www.CaixaBank.es.
2. Commitments associated with taking out the MyBox Home product for claims covered by the policy. When the claim is opened, the insurance company may recommend different trusted service companies, provided that the nature of the claim allows for repair. In these cases, if customers prefer, they can entrust the repair of the damage directly to the service company. The service company is the one who assumes the commitments indicated in the points “Urgent services”, “Technician appointment”, “Quality of the repair service” and “Second opinion”, except in the event of force majeure; in any event, the insurance company is not responsible for said commitments. The insurance company assumes the commitments indicated in the points “Appraiser appointment”, “Appraiser report” and “Compensation within 48 hours”, except in the event of force majeure.
3. If the dwelling is rendered uninhabitable by any of the causes described below, this is considered to be an urgent claim and the service company undertakes to send a professional within three hours. Electricity: lack of electricity in the whole dwelling or in the kitchen or bathroom, provided that the fault is caused by the installation in the home. Water damage: due to the breakage of any of the fixed water pipes in the dwelling, which causes damage to the property of the insured party or of third parties and which requires the water supply stopcock to be shut off. Home protection: broken glass in the building envelope, causing a lack of protection against weather phenomena or against malicious acts by third parties. The service company provides the service via the telephone line 900 159 009, 24 hours a day. For emergencies relating to water damage, provided that it is outside the hours of 9 am to 8 pm and it can be resolved by shutting off the stopcock, service will be provided by telephone.
4. The service company undertakes to provide the service, and does so by telephone on 900 505 040, from 9 am to 8 pm, Monday to Friday. This commitment is made with the exception of periods where there are high numbers of incidents (when weather events exceed the average for the last 30 days) or claims involving third parties (incidents where there is a responsible or injured party).
5. In coordination with the customer, from the time the incident is declared, an appointment is given with the specialist within 24 hours, depending on availability, with the exception of periods where there are large numbers of incidents (weather events exceeding the average for the last 30 days) or claims involving third parties (incidents where there is a responsible or injured party). This commitment will be assumed by the insurance company.
6. Provided that the claim does not involve third parties (a responsible or injured third party). This commitment will be assumed by the insurance company. Delivery of the appraiser’s report within a maximum 10 days for incidents costing less than €30,000 once all the necessary documentation for assessing the damage has been received.
7. The repair is managed in coordination with the client through the service company, which provides the service and assumes the commitment to the customer. Commitment assumed by the service company.
8. If the “Technician appointment”, “Urgent services”, “Appraiser appointment”, “Appraiser report” and “Compensation within 48 hours” commitments are not fulfilled, the telephone helplines 91 991 78 21 and 900 110 434 are available to request a review of compliance with those commitments and, if applicable, to request financial compensation of €200. This compensation may be requested by the policyholder for up to 30 calendar days after the closure of the claim giving rise to the commitment. As the policyholder, you will be entitled to a maximum of one financial compensation for each calendar year during the first 3 years after taking out the insurance policy, provided that the “Commitments” are in force on the date on which the claim from which they derive and which gives rise to the compensation is filed. This compensation shall be paid before the end of December of the year in which the non-compliance was accepted by the assistance company or the insurance company, as the case may be. The service company is responsible for the possible financial compensation to which the policyholder may be entitled for the non-fulfilment of the commitments called “Technician appointment” and “Urgent services”, except in cases of force majeure; in any event, the insurance company is not responsible for said commitments. The insurance company assumes responsibility for the possible financial compensation to which the policyholder may be entitled for breaches of the “Appraiser appointment”, “Appraiser report” and “Compensation within 48 hours” commitments, except in the event of force majeure. Payment of the monetary compensation is subject to current tax rules.
Information subject to the general, particular and special terms and conditions of each policy, as well as the Company's contractual and underwriting conditions.
Life insurance from VidaCaixa, S.A.U. de Seguros y Reaseguros, with NIF A58333261, and non-life insurance from SegurCaixa Adeslas, S.A. de Seguros y Reaseguros. CaixaBank, S.A., exclusive bank insurance operator for VidaCaixa, S.A.U. de Seguros y Reaseguros, and authorised by SegurCaixa Adeslas, S.A. de Seguros y Reaseguros, with NIF A-08663619 and registered office at calle del Pintor Sorolla, 2-4, 46002 Valencia. Registered with the DGSFP Register of Insurance and Reinsurance Distributors under the code OE0003. It has the necessary professional civil liability insurance, in accordance with current legislation, to cover any liabilities arising from professional negligence. More information is available on its website.
NRI: 7340-2024/09542