It appears that ideally I need to have the original insurance policy I am sure that I never saw or received one.
Nick, take a look through all your paperwork and see if you can find a paper with ‘AVALA’ on – with a bank’s name as a header.
Avala is the Spanish word for ‘Bank Guarantee’ which acts as your insurance policy.
Your lawyer should have ensured you had one. All developers have to issue a Bank Guarantee by law.
Any mention of a Bank Guarantee in their correspondence with you?