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Professional Advice

Foro seguro de hogar: Responsabilidad Civil interna

Sheila W.

Hi, I have an apartment and the Home Insurance is contracted with AXA. The other day my son accidentally threw down the Tablet of our domestic household employee who lives in our house, with such bad luck that it got broken and beyond repair.

We opened a claim against our Insurance for Civil Liability and they indicated that I am not covered as the employee is not third party.

I am not satisfied, because I understand that the only people who have no consideration for Third party are my family, but not a domestic worker who has no family relationship with us.

Am I right? What can I do?

Thank you

Moderator, Sergio Sanguino

Dear Sheila,

We should look at what the policy states in its terms regarding what kind of people are considered as Third Parties, for the purposes of Insurance contracted and regardless of what the law establishes as Third Parties in the Civil Code.

In the policy you have contracted you indicated that “it is considered as a Third Party any person except the spouse of the insured, children, parents or others who live with him in the insured home”.

This means, that for the purposes of Civil Liability coverage contracted, if the housekeeper lives permanently in your home she is not considered as Third Party, so the loss is not covered by the Civil Liability cover.

I hope this helps, kind regards.

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