5 Year DFS Sofacare Upholstery Protection Plan Terms & Conditions

Important – The Intention of the cover

The intention of this Plan is to provide cover for individual incidents of accidental staining to the outer cover of the item and accidental damage and if Sofacare Plus was purchased, damage to recliner and headrest mechanisms. The meaning of the terms is explained below.

The Plan does not cover for damage that naturally occurs due to normal use and ageing or for your product becoming gradually dirty and out of condition over time.

Sofacare Level of cover

Accidental Staining - this means sudden and unintentional spills to the outer cover of the item of food, drinks, human & domestic pet bodily fluids, cosmetics, dyes, tar, inks, glue, soaps, wax, paints and caustic solutions which result in a stain.

Accidental Damage - this means sudden and unintentional damage resulting in rips, punctures, scuffs, burns, chips or scratches to the external surface of the item. When relating to wood or high gloss finishes, cover is limited to scratches which have penetrated into the surface finish by over 1.5mm.

Stain Protection – in this Plan, if applicable, this may mean your fabric product has received a stain protector treatment prior to delivery.

Sofacare Plus if purchased:

Recliner and headrest mechanisms top-up – in this Plan this means breaking or bending of the recliner or headrest mechanisms, reclining motor, cabling, transformer, handle or switch.

Type of Cover Start date Expiry date
Sofacare - Accidental Staining & Damage Date of delivery 5 years from date of delivery
Sofacare Plus – Recliner & Headrest Mechanisms Top Up From end of manufacturer warranty 3 years from end of manufacturer warranty

Certification of cover

In return for payment of the premium the Insurer will insure you in accordance with the terms and conditions of this plan. Guardsman Industries Limited (Guardsman) is authorised by the Insurer (we/us/ourselves/our) to sign and issue this document to you and to administer this plan.

SECTION 1 – INTRODUCTION

These are the terms and conditions of the contract of insurance between:

  1. • you, the person or people named as the insured in the schedule; and
  2. • us, Fortegra Europe Insurance Company Limited (the insurer).

Intermediary: Guardsman Industries Limited (the company who acts as a facilitator between the underwriter and the policyholder).

Please read this document carefully to make sure you understand the cover provided. The product is only covered if you have paid the appropriate premium and kept to the terms and conditions.

1.1 Preliminary information about Guardsman

Your protection plan is intermediated by Guardsman Industries Limited (Guardsman), whose registered office is 25 Canada Square, Level 37, London E14 5LQ. United Kingdom. They are authorised and regulated by the Financial Conduct Authority (FCA). Their registration number is 311766. Guardsman Industries Limited is authorised to operate in Spain by the General Directorate of Insurance and Pensions Funds (DGSFP) on a freedom of services basis since 5th May 2017. To check this, visit: http://www.dgsfp.mineco.es/regpublicos/mediadoresEEEenEsp/detalleMediadoresEEEenEsp.aspx?Operador=ME0009204

Guardsman is independent from the Underwriter and has no direct or indirect holding or capital in any insurance undertaking. For the purposes of this Insurance Policy Guardsman are not acting as an exclusive or linked agent (i.e. if it is subject to any exclusive contractual obligation to carry out insurance mediation for one or more insurers).

To make a claim on your policy, go to section 6 – Making a Claim

To make a complaint on your policy, go to section 1.4.

Guardsman may act as data processor of your personal data. Guardsman does not give advice based on the obligation to provide a fair analysis;

If you have any questions or require further information in relation to this insurance please contact Guardsman using the address above.

1.2 Preliminary information about Fortegra Europe Insurance Company Limited

Your protection plan is provided by, Fortegra Europe Insurance Company Limited, registered in Malta under number C 84703. Our registered office is The Reed Centre, Blue Harbour, Ta’ Xbiex Seafront, Ta’ Xbiex XBX1027, Malta. Without prejudice to the powers of the Dirección General de Seguros y Fondos de Pensiones (DGSFP), the Member State which supervises the Insurer is Malta and we are authorised and regulated by the Malta Regulation Authority (MFSA) You can check these details on the financial services register at www.mfsa.com.mt.

1.3 Preliminary information regarding the law applicable

The insurance policy is governed by the following laws:

  1. • Spanish Insurance Contract Act (Law 50/1980, of 8th of October),
  2. • The Ordination, Supervision and Solvency of the Insurance and Reinsurance entities (Law 20/2015 of 14th July) and
  3. • Royal Decree 1060/2015, of 20th November, on the ordination, supervision and solvency of insurance and reinsurance entities.

However Spanish legislation will not be applicable in case of liquidation of the Insurer. Under section 24 of the Insurance Contract Act, in the event of an insurance dispute, you may choose to make a claim in the country where you live.

1.4. Preliminary information regarding the complaints procedure

Internal arrangements

Any complaint should be addressed in the first instance to: Complaints Team, Guardsman Industries Ltd, 152 Brook Drive, Milton Park, Abingdon, Oxfordshire, OX14 4SD, United Kingdom. Email: [email protected] Phone 900 816 061 or + 44 (0)1235 448 810. You will need to quote your DFS order number or claim number.

Your complaint will be acknowledged in writing and we will aim to provide you with a decision on your complaint, in writing, within fifteen (15) days of the complaint being made. If your complaint cannot be resolved within this period, Guardsman will notify you in writing to confirm both the causes for the delay and the time in which they expect to resolve your complaint.

Once you have received your final response from Guardsman and if you are still not satisfied you can contact the Financial Ombudsman Service: The Financial Ombudsman Service (FOS), Exchange Tower, London E14 9SR, or by telephone on +44 (0)800 0234567 or +44 (0)300 123 9 123 or by Email complaint.inf[email protected] Details of eligibility will be provided by the handling party during the course of your complaint.

Alternatively you can address your complaint by contacting Fortegra Europe directly by writing to The Complaints Manager, Fortegra Europe Insurance Company Limited, The Reed Centre, Blue Harbour, Ta’ Xbiex Seafront, Ta’ Xbiex XBX1027, Malta or by email to [email protected] If you are dissatisfied with the resolution or your complaint has not been resolved within the timescales detailed above, you have the right to refer your issues to the Financial Services Arbiter in Malta (Office of the Arbiter for Financial Services, 1st Floor, St Calcedonius Square, Florina FRN 1530, Malta, telephone +356 8007 2366 or +356 21 249 245 or via email at [email protected]).

The Office of the Arbiter will expect you to have a final reply from us in writing before they accept your case, so please do have this from us before you approach them.

External arrangements

Should you remain dissatisfied with the final response from the above or if you have not received a final response within thirty (30) days of the complaint being made, you may refer your complaint to the Complaints Service of the Directorate General of Insurance and Pension Funds in Spain by submitting the complaint or claim, on paper or electronic medium. The contact details are as follows:

Dirección General de Seguros y Fondos de Pensiones / Directorate General of Insurance Paseo de la Castellana, 44, 28046 Madrid Spain Tel: 902 19 11 11 http://www.dgsfp.mineco.es/reclamaciones/index.asp

The complaints handling arrangements above are without prejudice to Your rights in law.

You may voluntarily submit a dispute to a mediator in the terms of Law 5/2012, of 6 July, on mediation on civil and commercial matters.

You may voluntarily submit a dispute to arbitration in accordance with the terms of the Spanish Law for the Protection of Consumers and Users and related subordinate legislation, without prejudice to the provisions of the Law 60/2003, of 23 December, of Arbitration in the event that the parties submit any dispute to the decision of one or more arbitrators.

You may bring a legal action before the Court of first instance corresponding to Your domicile under section 24 of the Insurance Contracts Act.

Alternatively, if You purchased Your insurance online, please note that You can, if You wish, also submit Your complaint via the Online Dispute Resolution (ODR) Platform set up by the European Commission. This service has been set up to help residents in the European Union (EU), who have bought goods or services online, get their complaint resolved. You can access the ODR Platform by visiting the following web page: http://ec.europa.eu/consumers/odr/

Note: “online” includes all products sold via a website, email, telephone and social media amongst others with a digital element.

SECTION 2- LIMITS OF COVER

  1. 1. The most we will pay under this protection plan is the original price you paid for the product, after any discounts you were given at the time you bought it or €18,000, whichever is the lowest. If an item is replaced under the terms of this plan, no further cover will be available for this item.
  2. 2. This product is only covered if it remains within mainland Spain.
  3. 3. Your product must be in a private residence and not used in commercial premises or property which you may rent out, including rented rooms within your own home.
  4. 4. There is no cover under this plan for any product failing during the manufacturer’s or retailer’s guarantee period.
  5. 5. The plan does not cover any furniture kept on a boat or in a caravan.
  6. 6. Additional sets of loose covers, accent/scatter cushions and arm cap and head protectors (antimacassars) are limited to a maximum indemnity of their purchase price as detailed individually on the invoice, or up to a maximum of 10% of the total retail value.

SECTION 3 - WHAT IS COVERED

1. The cost of repair in the event of a sudden unintentional incident resulting in a stain, rip, puncture, scuff, scratch, chip or burn, or recliner mechanism fault according to the coverage purchased.

2. Your product will be covered if:

  1. a. it has been delivered in satisfactory condition to your home;
  2. b. it has been used and cared for in line with the manufacturer’s guidelines; and
  3. c. you adhere to all terms and conditions of this Plan including the Claims Procedure.

3. If a repair cannot be achieved, we may replace the damaged part. If this is not possible, Guardsman may provide a replacement product(s), or settle the claim by a cash payment at Guardsman and your Insurer’s discretion instead of a repair or replacement (up to the limit of indemnity). Any cash settlement will be limited to the equivalent cost of repair or replacement by Guardsman.

4. If appropriate, fabric furniture may be treated with a Guardsman stain-protector treatment. Ask your retailer for details.

SECTION 4 - WHAT IS NOT COVERED

Your product is not covered for:

  1. 1. damage caused by the incorrect assembly of furniture, whether assembled by you or a third party;
  2. 2. damage or staining caused by cleaning products being used incorrectly, unsuitable cleaning products being used or cleaning materials being used on a regular basis when this is not appropriate;
  3. 3. colour loss, fading and any natural characteristic to the covering of the item including splitting, cracking, scars, knots, bobbles, swirls and shading; or hairline marks (less than 1.5mm) which are naturally occurring in wood or high gloss finishes, or formed during the manufacturing process;
  4. 4. leather or fabric relaxing, stretching, creasing or a change in texture (this inevitably happens to a natural product over time). Increased visibility of valleys, troughs or crazing in the leather caused by general soiling and external catalysts which occur over a period of time;
  5. 5. abrasions that are caused by daily use and cleaning over a period of time;
  6. 6. odours;
  7. 7. staining to interiors;
  8. 8. any stain or damage caused when the product was being transported or was in storage;
  9. 9. any stain or damage caused by contractors in your home, neglect, abuse, misuse, malicious damage, theft, fire, scorching, flood, burst pipes (including radiator leaks), sunlight, wind, weather, leaking roofs or leaking conservatories;
  10. 10. animal damage caused by:
    • a. biting or chewing;
    • b. an accumulation of multiple incidences of scratching in multiple areas;
  11. 11. deterioration of the product’s appearance through normal use or general soiling for example wear on high areas of traffic e.g. arm rest, or a build- up of oils on a headrest and so on;
  12. 12. any other costs indirectly caused by the event which led to your claim, unless specifically stated in this Plan;
  13. 13. routine repair/cleaning carried out by a Guardsman approved repairer/cleaner or another party;
  14. 14. any failure of repairs not undertaken as part of this Plan;
  15. 15. handheld, wireless devices used to operate furniture functions (including battery packs) that are not permanently attached to your insured product;
  16. 16. interior fibre fillings, interior foam fillings not springing back to their original shape if within industry expected settlement, which may occur over a period of time, fraying, broken zips and any issues with stitching, loss of buttons, separation of coats or layers of pigments, veneer or finishes;
  17. 17. any damage or fault to electronic and audio-visual equipment that are attached or form part of your products, such as iPod docking stations and speakers;
  18. 18. war, invasion, acts of foreign enemies, hostilities (whether war is declared or not), civil war, rebellion, revolution, insurrection, military or usurped power, riot or civil commotion, terrorist activity of any kind; or in general, any event or extraordinary risks which is covered by the "Consorcio de Compensación de Seguros" in Spain;
  19. 19. ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel;
  20. 20. an accumulation of multiple different stain types across multiple areas of the item;
  21. 21. structural faults, including defects to the frame, including feet and legs.

SECTION 5 - WHAT TO DO IN THE EVENT OF A SPILL

In the event of a spill, you should act immediately. Blot liquid spills or remove solids with a clean, dry white cloth or paper towel and work towards the centre of the spill. Do not rub as this will damage your product. Do not use any inappropriate cleaning materials such as cleaning wipes or baby wipes to try to remove the stain as this could cause further damage to your furniture, which we will not cover. Should a spill result in a stain, follow the claims procedure in section 6 below.

SECTION 6 - MAKING A CLAIM

  1. 1. If you need to make a claim under this plan, phone Guardsman on 900 816 061 or +44 (0)1235 448810. We will provide you with a claim form and/ or pre-paid envelope or you can download the form from our website at www.guardsman.es. Please complete and return the claim form to us by email at [email protected] or by INTERNATIONAL post to: New Claims, Guardsman Industries Ltd, Abingdon, Oxfordshire, OX14 4SD, United Kingdom in order for your claim to be assessed.
  2. 2. You must make any claim as soon as possible, and always within 28 days of the event giving rise to a claim. Any delay may mean that we will not pay the claim, or that we will reduce the claim or the amount of cover. We may ask to inspect the product to help assess your claim.
  3. 3. We may ask you to provide photographs of the damage so we can assess your claim more quickly.
  4. 4. If you have reported an incident by phoning Guardsman, you can only claim for that incident on the claim form. You must claim for any other incidents separately. Our technician will be instructed to only carry out the repair needed as a result of the incident you reported on the phone.
  5. 5. Once an appointment has been confirmed for a technician to come to your home, if you want to cancel the appointment you must give 24 hours’ notice. If you don’t you will have to pay a fee of €25. Another appointment will be confirmed once the fee has been paid.
  6. 6. We will settle valid claims by sending you a specialised stain remover product (if appropriate) or cleaning or repairing your damaged product as we see fit. If the product cannot be satisfactorily cleaned or repaired, we will replace the product. The following will then apply:
    • a. a. If we agree to replace the product or part of it, we may take possession of the original item or part;
    • b. We do not guarantee that any repair or replacement will be an exact match of grain, sheen, pattern or colour. Any replacement parts will be matched to an inconspicuous area of the product and our liability is limited to the best job a Guardsman approved technician could do in the circumstances;
    • c. If, after we have provided a replacement, we do not take possession of the original product or part for ourselves, you will be responsible for disposing of it;
    • d. If we replace the product, that replacement will not be covered under this plan;
    • e. You must co-operate with us when we arrange any delivery or collection with you; and
    • f. Any replacement will be of a similar standard, specification and style as your original product, if the limit of cover allows this.
  7. 7. If when you make a valid claim under this Plan there is another insurance policy in force which covers the same damage or expense, we may seek to recover some or all of our cost from the other insurer. You must give us any information we may need to help us to do this.

SECTION 7 - GENERAL CONDITIONS

  1. 1. You should always look after the product to prevent any staining or damage and maintain it in line with the manufacturer’s guidelines.
  2. 2. You and we choose the law which applies to this plan. Unless you and we agree otherwise, the law which applies will be that which applies to the country you live in.
  3. 3. You must tell us if you change address.
  4. 4. The policy holder (the person named on the invoice) can transfer this Plan to another person by:
    • emailing [email protected];
    • giving us the full name and address of the person this plan is being transferred to;
    • telling us the date you want the transfer to take place; and
    • paying a €25 administration fee;
  5. Please return this plan document and the details to Guardsman. The transfer will not be effective until we receive the documents and fee.
  6. You will have to pay any costs not covered by this plan.
  7. We will only change the terms of this Plan if we have to under any law or regulation. We will give you at least 60 days written notice of any change.

SECTION 8 - WHEN COVER ENDS

  1. 1. All cover under this plan will automatically end:
    • (a) five years after the product is delivered to your home;
    • (b) on the date we replace the whole product or pay a claim equal to the limit set out in section 2.(1);
    • (c) on the date we cancel your plan because you have made a fraudulent claim; or
    • (d) on the date you cancel your policy as per section 9 below.

SECTION 9 - YOUR RIGHT TO CANCEL

  1. 1. If you want to cancel this plan within 30 days of the product being delivered to your home, please contact the retailer you bought the product from. If you have not made a claim, you will get a full refund of your premium. The only exception to this is if the product has been treated with a stain protector as part of the plan. In this case, you will be entitled to a refund of only 75% of the premium you have paid.
  2. 2. If you want to cancel this plan 30 days or more after the product has been delivered, email [email protected] or write to us at: Guardsman, 152 Brook Drive, Milton Park, Abingdon, Oxfordshire, OX14 4SD, United Kingdom. If you have not made a claim, you will be entitled to a refund of a proportion of the premium you have paid. The refund will be based on the number of complete months of this plan remaining from the date you asked us to cancel it. You will also have to pay an administration fee of €25 which we will take from your refund. If the product has been treated with a stain protector as part of the plan, we will take a further €25 from any refund.
  3. 3. Cancellations will not be backdated. If we have settled a claim, you will not be entitled to any refund of premium. If there has been an incident likely to give rise to a claim, you will not be entitled to a refund until we have decided whether we should settle that claim. If we decide not to settle the claim, the date of cancellation will be the date you asked us to cancel this plan.

SECTION 10 - PRIVACY STATEMENT

Fortegra Europe Insurance Company Limited (the Data Controller) is committed to protecting and respecting your privacy in accordance with the current Data Protection Legislation (“Legislation”). Below is a summary of the main ways in which we process your personal data.

  1. 1. Data Protection - Fortegra Europe Insurance Company Limited (the Data Controller) is committed to protecting and respecting your privacy in accordance with the current Data Protection Legislation (“Legislation”). Below is a summary of the main ways in which we process your personal data.
  2. 2. How We Use Your Personal Data - We may use the personal data we hold about you for the purposes of performing your contract of insurance, this includes providing insurance that you request of us and administering the same; including handling claims and any other related purposes, underwriting (which may include underwriting decisions made via automated means), offering renewal terms, pricing or statistical purposes. We may also use your data to safeguard against fraud and money laundering and to meet our general legal and regulatory obligations.
  3. 3. Disclosure of Your Personal Data - We may disclose your personal data to third parties involved in providing products or services to us, or to service providers who perform services on our behalf. These include our group companies, affinity partners, brokers, agents, third party administrators, other insurers, reinsurers, other insurance intermediaries, insurance reference bureaus, credit agencies, fraud detection agencies, loss adjusters, external law firms, external accountants and auditors, regulatory authorities, and as may be required by law.
  4. 4. International Transfers of Data - We may transfer your personal data to destinations outside the European Economic Area (“EEA”). Where we transfer your personal data outside of the EEA, we will ensure that it is treated securely and in accordance with the Legislation.
  5. 5. Your Rights - You have the right to ask us not to process your data for marketing purposes, to see a copy of the personal information we hold about you, to have your data deleted (subject to certain exemptions), to have any inaccurate or misleading data corrected or deleted, to restrict the processing of your data, to ask us to provide a copy of your data to any controller and to lodge a complaint with the local data protection authority.
  6. 6. Retention - Your data will not be retained for longer than is necessary and will be managed in accordance with our data retention policy. In most cases the retention period will be for a period of seven (7) years following the expiration of the Policy, or our business relationship with you, unless we are required to retain the data for a longer period due to business, legal or regulatory requirements.

If You require more information or have any questions concerning our use of your personal data our full Privacy Policy can be found at https://www.fortegra.eu/privacy-policy alternatively please contact The Data Protection Officer, Fortegra Europe Insurance Company Limited, The Reed Centre, Blue Harbour, Ta’ Xbiex Seafront, Ta’ Xbiex, XBX 1027, Malta or via email at [email protected]

CLAUSE OF COMPENSATION BY THE CONSORCIO DE COMPENSACIÓN DE SEGUROS OF LOSSES ARISING FROM EXTRAORDINARY EVENTS.

Damage to property

In accordance with the Consolidated Text of the Consorcio de Compensación de Seguros´s Legal Statute, approved by Royal Legislative Decree 7/2004, of 29th October and amended by Law 12/2006, of 16th May, the policyholder of insurance contracts that must insert the charge in favour of the aforesaid Public Entity, has the faculty to contract the cover of extraordinary risks with any Insurance Entity which fulfil the conditions required by the legislation in force.

Compensations deriving from losses arising from extraordinary risks taking place in Spain and affecting to risks located in Spain, and also, but only for personal insurance, extraordinary risks taking place abroad when the policyholder resides habitually in Spain, will be paid by the Consorcio de Compensación de Seguros if the policyholder has paid, in turn, the relevant charges to the Consorcio de Compensación de Seguros and provided that one of the following circumstances apply:

  • a) The extraordinary risk that is covered by the Consorcio de Compensación de Seguros is not covered by any insurance policy taken out by the Insurance Entity.
  • b) Although the risk is covered by the said policy, the obligations of the Insurance Entity cannot be fulfilled because the Entity is declared insolvent by a Court or because, the Insurer being under an insolvency proceedings, the Entity is subject to an audited winding up process or involved in a winding up process controlled by the Consorcio de Compensación de Seguros.
  • The Consorcio de Compensación de Seguros will act in accordance with the aforementioned Legal Statute, in accordance with Law 50/1980 of Insurance Contract of 8th October 1980; Royal Decree 300/2004 of 20th February of extraordinary risks regulation and other complementary regulation.

    I. - SUMMARY OF LEGAL RULES

    The following will be extraordinary events:

    1. a) The following natural phenomenon: earthquakes and tidal waves, extraordinary floods (including sea dashing), volcanic eruptions, unusual cyclonic activities (including extraordinary winds of more than 120 km/h and twisters), and the fall of meteors.
    2. b) Violent acts resulting from terrorism, rebellion, sedition, insurrection, and popular tumult.
    3. c) Events or acts of the Military Forces or State Securities Bodies in peace time.

    2. Excluded Risks

    1. a) Those which do not give rise to compensation under Insurance Contract Law.
    2. b) Those suffered by people or goods which are covered by other insurance contract different from the one containing the compulsory charge in favour of the Consorcio de Compensación de Seguros.
    3. c) Those caused by a fault or defect of the insured item or its evident lack of maintenance.
    4. d) Those caused by armed conflicts, though they are not preceded by a formal declaration of war.
    5. e) Those arising from nuclear energy despite the provisions of Law 25/1964 of 29th April. Notwithstanding the foregoing, it will be included direct damage in insured nuclear installations, when the damage comes from extraordinary risks affecting the installation itself.
    6. f) Those caused by the simple action of time, and in the event of goods totally or partially dived, those caused by the simple action of waves or ordinary undercurrents.
    7. g) Those caused by natural phenomenon different to the natural phenomena referred to in article 1 of the Regulation on Extraordinary risks, in particular those caused by the increase of the subsurface level, hillside’s movement, ground´ sliding or settlement movements, rocks´ landslide and similar phenomena, save if the damage are caused manifestly by the action of the rainwater causing simultaneously a situation of extraordinary flood in the area.
    8. h) Those caused by tumult acts in the course of public meetings and demonstrations further to the Organic Law 9/1983, of July 15, as well as during legal strikes, except if the above acts could be qualified as extraordinary risks under section 1 of the regulation of extraordinary risks.
    9. i) Those caused by acts of bad faith on the part of the insured.
    10. j) Those arising from losses occurred within the waiting period set out in article 8 of the Regulation on Extraordinary Risks.
    11. k) Those occurred before the payment of the first premium or when, in accordance with the Insurance Contract Law, the cover of the Consorcio de Compensación is suspended or the insurance contract is extinguished due to the lack of payment of premiums.
    12. l) Those indirect damage or losses arising from direct or indirect damage different from the “loss of profits” as per defined and limited by the regulation of extraordinary risks. In particular it is not covered any damage or losses arising from power cuts or alteration in the external power supply, gas, fuel-oil, gas-oil or other fluids, nor damage or indirect losses different to the mentioned in the preceding paragraph although the alterations arise from causes which are included in the extraordinary risks cover.
    13. m) Those considered by the Government to be a national calamity or catastrophe given their magnitude or importance.

    3. Deductible

    In the case of direct damage (except vehicles, household and community flat owners), the deductible will be 7% of the amount of the damage to be compensated caused by the loss. In the case of loss of profits, the deductible will be identical, in time or amount, as the deductible set out in the original policy for damage arising from ordinary loss of profits.

    4. Extension of the cover

    The coverage of the extraordinary risks will be provided to the same assured goods and sum insured stated in the policy for ordinary risks. Notwithstanding the above, policies covering own motor damage, the cover of extraordinary risks by the Consorcio de Compensación de Seguros will guarantee the total insurable interest although the ordinary policy only does it partially.

    II.- PROCEDURE TO BE FOLLOWED IN CASE OF LOSS TO BE COMPENSATED BY THE CONSORCIO DE COMPENSACIÓN DE SEGUROS.

    In case of loss, the insured, policyholder, beneficiary or their legal representatives must, either directly or through the Insurer of the ordinary policy or through the insurance intermediary, notify -within the maximum period of seven days from the date in which the loss is known- the occurrence of the loss to the relevant Regional Delegation of the Consorcio, depending on the place of the occurrence. The notification will be made in the approved form, which will be available in the Consorcio´s website (www.consorseguros.es) or in its offices or in the Insurer´s offices.

    In addition, any trace or vestige of the loss must be kept to assist the loss adjuster´s job and, if this is absolutely impossible, to submit any documentation evidencing the damage such as photographs, Notarial Deeds, videos or official certificates. Also, any invoice relating to the affected goods whose destruction cannot be delayed must be kept.

    The necessary measures to reduce the damage must be taken.

    The valuation of the losses arising from the extraordinary events will be made by the Consorcio de Compensación de Seguros and the Consorcio de Compensación de Seguros will not be bound by the valuations eventually made by the insurance company covering the ordinary risks.

    To clarify any doubt that may arise regarding the procedure to be followed, the Consorcio de Compensación de Seguros has the following telephone number for customers: 902 222 665.

    AMENDMENT OF DIVERGENCES

    If the content of the policy differs from the insurance proposal form or from the agreed clauses, You shall be entitled to make a complaint against the Insurer within the period of one month from the date of delivery of the policy so that We may rectify the difference found. Once this period has elapsed without a complaint being made, the policy provisions shall prevail.

    EXPRESS ACCEPTANCE

    In accordance with article 3 of Law 50/1980 of 8th October, on the Insurance Contract, You represent to have read, examined, understood and accept the contents and the scope of all the exclusions and clauses in this policy and, particularly, those that are duly highlighted and which could be limitative to Your rights.