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Insurance Death RACC Spain

RACC Death Insurance Spain (Royal Automobile Club of Catalonia) originated in 1906 from the association of a group of motorists who decided to promote and innovate mobility. Progressive and forward-thinking for their time, they created an entity that acted as a driver of social change and offered innovative personal services.

Over the years, RACC Death Insurance has continued its growth and diversification, responding to new market demands with a focus on both life and non-life sectors. RACC Death Insurance’s mission is to optimize services related to life and death coverage, promote safety and progress in mobility, and support motor sports. Today, RACC Death Insurance is among the top providers in Spain.

With a forward-looking vision, RACC Spain (Royal Automobile Club of Catalonia) is currently undergoing a major transformation to become a comprehensive mobility services club. Its activities are clearly guided by its core values:

Reputation: RACC Seguros is the largest automobile club insurer in Spain and a benchmark organization in international mobility. Proximity: They are always close to their members, allowing for fast and efficient responses to their needs. Innovation: They continuously pursue the best technological and human solutions to stay close to their clients, wherever they are, 365 days a year. Loyalty: They are loyal to their members, and in turn, their members remain loyal to RACC Seguros.

The RACC Seguros Spain portfolio includes: RACC Life, RACC Home, RACC Death Insurance, RACC Health, RACC Dental, RACC Pets, RACC Auto, RACC Travel, and much more.

Why Hire RACC Spain Death Insurance?

By hiring RACC Death Insurance, you will be able to have that support you need in the saddest moments. It takes care of the expenses and the procedures required to fulfill your wishes and assist your family. The RACC Burial Insurance is more than a Death Policy, as it offers multiple services such as: Telephone assistance and management to resolve the formalities and inquiries related to the death. National and international transfer of the deceased, and an accompanying person to the crematorium or cemetery chosen within national territory. It also offers a free will service.

RACC offers the RACC Death Insurance, it is an indispensable product. That is why, if you are over 70 years old and have not yet been able to hire RACC burial insurance, this is your great opportunity. RACC Death Insurance also provides additional guarantees such as repatriation to the home country or compensation for accidental death or permanent disability. RACC Death Insurance guarantees that policyholders will have sufficient financial resources to face unexpected expenses arising from the death of a family member. Likewise, it frees them from the necessary formalities and procedures. It allows adding all family members in the same policy even if they do not live at the same address, such as children, parents, or siblings. No medical examination is required for its hiring. RACC Seguros Spain has the support and solidity of Grupo ACM Spain, its majority shareholder.

Conditions to Hire RACC Spain Death Insurance

RACC Death Insurance is primarily a burial service insurance. Its main objective is to prevent all inconveniences related to the policyholder’s funeral. When the insured passes away, a single phone call will be enough for RACC Death Insurance to arrange and cover the required services. It will take care of matters such as possible repatriation, the coffin, the funeral home, flowers, burial or cremation, obituaries, or the funeral car, among others. RACC Burial Insurance is essential to handle all circumstances that may arise in the event of a death. That is why, if your choice has been RACC Death Insurance, in this article we will show you what you need to consider to hire the RACC death policy.

Initially, start by filling out the form above, and we will advise you for free on the best option. If you are in good health and are between 18 and 79 years old, you will have no obstacle to hiring one of the most sought-after insurance policies in the Spanish market. Natural premium insurance, mixed premium, or RACC Level Premium Death Insurance are the alternatives that, within a set of benefits, they will offer you.

However, in the market, some death insurance companies have extended the age limit up to 80 years. Similarly, other Death Insurance providers extend it up to 84 years, but do not worry—we will advise you throughout the process, free of charge and with no obligation.

What Documentation Do I Need to Hire RACC Death Insurance?

When you do not have the necessary means to face the burial of a family member, everything becomes complicated. In this terrible situation, insurance companies are the great solution, as they provide clients with excellent benefits for every requirement. With just a phone call, it is possible to organize a family member’s burial with the help of the insurer and the insurance. There is no doubt that this is of great importance, because without this excellent product, it would be difficult to face those expenses. Therefore, by hiring a death policy, you obtain a great investment, achieving substantial savings in time and money.

It is important to know that insurance companies require supporting documents at the time of hiring a death policy. In this case, the documentation required to hire RACC Death Insurance would be as follows:

1. Policyholder over 18 years old. You must know that the person who wants to hire a death insurance policy must be of legal age, as this is an essential requirement. On the other hand, regarding the other insured members to be included, this is not a limitation. That is, other family members have no age restrictions to be included in a death insurance policy.
2. Full name. It is very important to provide the first and last name of the person hiring the death insurance, as well as the names of the other members to be insured. This avoids complications and delays when a death occurs and data must be verified for the organization of the burial.
3. Photocopy of DNI, NIE, or passport of the policyholder. The documentation submitted for the death insurance process must be valid. Therefore, if they are expired, they will not be accepted and will be rejected.
4. Bank account in Spain.
5. Birth dates of all insured members. When carrying out the process of hiring a death insurance policy, it is possible to determine the age according to the date of birth. Therefore, the insurance company can calculate the premium of the insurance to be hired without problems using this data.
6. Address. Perhaps one of the most important requirements to calculate the value of the death insurance is knowing the residence of the insured. For this reason, it is essential to provide it.
7. Fill out the health questionnaire. In order to determine whether the policyholder or the other members to be added to the death policy suffer from any chronic or pre-existing illness, they must complete the health questionnaire.
8. Not suffer from any serious illness before hiring. Insurance companies, due to the risk involved, usually do not cover serious illnesses. Therefore, if you suffer from any serious illness, you will not be able to hire a death insurance policy.

What Factors Influence the Price of RACC Death Insurance?

In order to anticipate the death of a loved one, insurance companies offer their clients good products according to each person’s needs. To obtain insurance, you must take into account some factors that influence the price of the death insurance you want to hire. In this case, the insurance company, by knowing the elements that may be key, evaluates the risks and proceeds to calculate the insurance premium. This procedure is the same for all insurance companies, that is, it does not only apply to RACC. Therefore, the information we will provide below applies equally to all death insurance providers.

Next, we will tell you which factors influence the price of RACC Death Insurance, and we will assist you throughout the process, free of charge and with no obligation.

1. Birth dates: Age, as with health insurance, influences the price of death insurance. The older the age, the higher the risk assumed by the insurance company. In addition, there is a type of death insurance according to your age.
2. Area of residence: The area of residence matters because a burial and its associated costs do not cost the same in all locations. It is not the same to rent or buy a burial niche in Barcelona as in Madrid or another area. Therefore, depending on where you live, the price of death insurance may vary.
3. Repatriation: It depends on the country to which you want to be repatriated or how far away it is, which can increase or decrease the price. Therefore, repatriation is a decisive factor when calculating the policy price.
4. Coverage: The price of a death insurance policy varies according to the coverage you hire or if you purchase additional coverage. That is why, when hiring extra coverages, you will have better benefits, but the policy will have a higher price.

How Can I Cancel RACC Death Insurance?

There are many reasons why people may need to cancel their death insurance. Among these reasons are receiving a better offer from another insurance company, experiencing serious problems with the contracted insurer, such as receiving poor-quality service, or even unexpectedly facing a difficult financial situation.

Whatever the reason that leads you to decide to cancel a death insurance policy, it is important to know that there are many ways to do it, and the procedure is very simple. In these cases, the RACC death insurance contract is for 12 months, but this is not only applicable to RACC Death Insurance; all death insurance companies are the same because the burial insurance law in Spain indicates that to cancel RACC Death Insurance, you must notify your company 1 month before the end of the policy year. Example: if your RACC death insurance policy or a policy from another death insurance company ends on December 31, you must inform the insurance company of your decision not to renew before November 30.

What is the Waiting Period for RACC Death Insurance?

Waiting periods are the lapses of time established from the day the death insurance policy begins until the day the insured has access to a guarantee or coverage. They were created with the firm purpose of protecting the economic interests of the insurance company offering the death insurance. Once this period has ended, the contracted coverages that were restricted for this reason can be enjoyed.

Accordingly, the waiting period for RACC Death Insurance is defined as the length of time, counted in months from the start or hiring date of the RACC death insurance policy, during which (x) time must pass before some of the contracted coverages of the insurance can be used. If you fill out the form above, we will advise you on the best option according to your specific case and answer all your questions.

What Exclusions Does RACC Death Insurance Have?

When hiring a death insurance policy, complex and costly procedures involved in organizing a burial are avoided, which is a great benefit. However, before contracting a death insurance policy, you should know that there are many elements that are important to consider to avoid issues. One of these is very important and is known as exclusions. Thus, the guarantees of RACC Death Insurance, as well as those of other insurers, usually exclude: deaths caused by natural disasters, radioactive radiation, nuclear energy, acts of war, terrorist acts, or riots. Also excluded are those that do not give rise to any type of compensation according to the insurance contract law, and those corresponding to deaths that occur before the payment of the first installment or premium.

Can I Hire RACC Death Insurance with a Serious Illness?

There are some elements that generally have an important impact on whether a death insurance policy can be contracted. Among them are serious illnesses. In Spain, there are many serious illnesses, including cancer, tuberculosis, leukemia, chronic kidney failure, and many others. Therefore, if you suffer from any of these, it will not be possible for you to hire a death insurance policy in Spain.

Due to the high risk, according to Article 10 of Law 50/1980, of October 8, on death insurance contracts in Spain, the insurance company will be exempt from paying any compensation if false information is provided in the medical questionnaire about the insured’s health, thus omitting any pre-existing serious illness.

However, in the case of anyone who wishes to hire a death insurance policy and previously had a serious pathology, it will be possible to hire RACC Death Insurance only if the disease has been fully overcome without resulting in serious sequelae. Nevertheless, the current condition must be verified beforehand. In this case, insurance companies require certain documents that can certify that there are no serious aftereffects as a consequence of a previous illness.

Insurance Death RACC Spain

Main Coverages of Insurance Death RACC Spain