What Is the Insurance Compensation Consortium (CCS)?
The CCS is a government-backed insurance entity that provides compensation for extraordinary claims. Established in 1954, it serves as a safety net when private insurance companies cannot cover certain risks.
Whenever you purchase insurance in Spain—whether it’s home, car, or business insurance—a small percentage of your premium goes to the CCS. This fund is then used to provide compensation when catastrophic events occur.
What Does the CCS Cover?
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Natural Disasters:
Floods, earthquakes, tsunamis, volcanic eruptions, cyclonic storms, and extreme weather events. -
Acts of Terrorism & Civil Unrest:
Damage caused by riots, rebellion, or political violence. -
Military & Government-Related Damage:
Damages caused by security forces during peacetime in extraordinary situations. -
Uninsured or Uninsurable Risks:
If an uninsured driver causes an accident or if insurers refuse to cover a risk, the CCS can step in. -
Important:
Get your official insurance certificate quicklyIf your home, vehicle, or business is insured, your policy may already include a small surcharge that funds the CCS, meaning you may be eligible for compensation in the event of an extraordinary claim.
How Does the CCS Work?
CCS & Your Insurance Policy
If you check your insurance policy documents, you will notice a CCS surcharge included in your premium. This amount varies depending on the type of insurance but ensures financial backing in the event of extraordinary incidents.
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Home insurance
Policies typically include a CCS surcharge that covers damages from natural disasters. -
Car insurance
Policies contribute to the CCS, which can compensate victims of accidents involving uninsured or untraceable drivers.
How Do You Claim Compensation from the CCS?
If you experience damage due to an extraordinary event, you can file a claim with the CCS directly. Here’s how the process works:
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Confirm Your Coverage:
Check if your insurance policy includes a CCS surcharge. -
Report the Damage Promptly:
Policies contribute to the CCS, which can compensate victims of accidents involving uninsured or untraceable drivers.
How Do You Claim Compensation from the CCS?
If you experience damage due to an extraordinary event, you can file a claim with the CCS directly. Here’s how the process works:
Confirm Your Coverage: Check if your insurance policy includes a CCS surcharge.
Report the Damage Promptly: Claims should be reported within 7 days, but later claims may still be accepted.
Provide Required Information:
You will need:
• Your policy number and insurer’s name
• Your personal identification details (NIE, NIF, CIF)
• Bank details for compensation payments
• Photos and proof of damage
Damage Assessment:
The CCS will assign an expert to evaluate your claim.
Receive Compensation:
Payment is typically processed via bank transfer within three months of claim approval.
💡 Tip: If you need assistance with a CCS claim, your insurance provider can guide you through the process.
Our Partnerships
As a proud Caser exclusive agent, we provide access to premium insurance solutions backed by the strength and reliability of one of Spain’s most reputable insurance providers. Caser, part of the internationally renowned Helvetia Group, brings over 160 years of experience to the insurance industry.
The Helvetia Group is a leading multinational insurance company headquartered in Switzerland, with a presence in over 20 countries across Europe, Asia, and Latin America. Serving more than 7 million customers, Helvetia offers a wide range of financial and insurance products, from life and non-life insurance to pension and investment solutions. With assets exceeding €100 billion and a workforce of nearly 12,000 employees, the group is a global powerhouse in the insurance sector.
This partnership enables us to deliver exceptional coverage options tailored to meet the diverse needs of our clients. Whether you require health, home, auto, or life insurance, you can trust in the financial stability and expertise of Caser and the Helvetia Group to provide unparalleled peace of mind and security.
Why Choose 247 Expat Insurance?
- Comprehensive solutions tailored for expatriates in Spain
- Flexible policies to fit your needs and budget
- Expert service in English
- Local knowledge and trusted advice
The CCS is a government-backed insurance entity in Spain that provides compensation for extraordinary risks such as natural disasters, terrorism, and damages caused by uninsured drivers.
Yes, if you have home, car, or business insurance, a small surcharge in your policy funds the CCS, meaning you may be eligible for compensation in certain situations.
The CCS covers earthquakes, floods, volcanic eruptions, terrorist attacks, riots, and extraordinary military-related damages.
You can file a claim online via the CCS website or by calling their official helpline. Your insurer can also assist with the claim process.
The CCS typically processes payments within three months after an expert assesses the damage.
No. The CCS only covers damages if your home insurance policy includes CCS coverage. If you are uninsured, you are not eligible for compensation.
Yes. If the claim does not meet CCS guidelines or if damages do not fall under extraordinary risk categories, it may be rejected.
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Check your insurance policy details—the CCS surcharge is typically listed under extraordinary risk coverage.
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