The confinement derived from the COVID 19 crisis has been an opportunity to discover many things. For many people, for example, confinement has actually been confinement, for they have discovered the delights of the pastry chef's trade. Others have discovered the pleasure of reading, or have returned to playing long hours with their children. Have there been discoveries in insurance? Well, the truth is, yes.
The confinement situation has meant for many people discovering coverage that they had in their insurance, or that their insurers have offered them, and that have had a special utility these days. Here are the three that have had the most prominence during this crisis:
1. Psychological assistance
Another element that has grown as a result of the situation these days has been psychological assistance. In fact, this benefit was not new to insurance on the market; but its use and offer have intensified as a logical consequence of a situation in which many people have felt pressured, even anguished, by a totally unexpected and radically different order of things from what was our daily life until March 13.
Other coverage could be added that have also played their part: family civil liability, which has had to face a period in which the whole family has been at home; or the civil liability of pets since they have also perceived that the moment was different and have carried their load of stress. In sum, what this type of situation goes to show is that insurance, in essence, adapts to situations, to try to give its clients the best possible service.
2. Computer assistance
Computer assistance coverage is present, for example, in many home insurance contracts. For many Spaniards, in a matter of hours that corner of the house where they were using a computer with which they surfed the internet and played strategy games, suddenly, has become their workplace. This has also meant that the correct functioning of all the technological equipment in the house has also acquired fundamental importance. And, as Murphy's Law is almost always fulfilled, in many cases the moment chosen by the computer, or by the connection, in order not to function properly, has been precisely this. Suddenly, then, the possibility of having, on the other end of the phone, with an expert capable of guiding us through the intricate world of menus and sub-menus of our operating system, has become a service of great value.
3. Legal defense
Having legal defense coverage is always a good idea; But in an environment like this one, with changing legislation and realities of great importance for the existence of many people (such as ERTE), have the capacity to, at least, consult with a legal professional about our concerns and agree with him our next steps, is something that acquires great importance. The legal expenses insurance is a relatively infra product developed in the Spanish market, as in other countries, especially in Central Europe, is quite common. Perhaps this experience will convince many people of the opportunity to have such insurance at hand.
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