Casco (own-damage car insurance) — Spain

[1] Own damage: Covered ↩

Covers repair of material damage to the insured vehicle and declared accessories regardless of fault, while the vehicle is in circulation or at rest. Covers collision with another vehicle, collision with persons, impact with objects, rollover or leaving the road, and vandalism. Subject to a deductible if the 'with deductible' variant is contracted. For total loss, indemnification is at purchase value (vehicle under 12 months) or market value (vehicle over 12 months), unless the optional Guaranteed Purchase Price Premium cover is added.

Colisión con otro vehículo. • Colisión con personas. • Impacto y colisión con otros objetos. • Vuelco o salida de calzada. • Daños por actos vandálicos.

[2] Total loss: Covered ↩

A total loss is declared when repair costs exceed the vehicle's market value. Indemnification is at purchase value for vehicles under 12 months old from first registration, or at market value for older vehicles, minus salvage value and any deductible. Optional 'Guaranteed Purchase Price Premium' extends purchase-value indemnification up to 36 months from first registration.

Con el valor de compra del coche si no supera los 12 meses de antigüedad o con el valor venal si es más antiguo de 12 meses, salvo que hayas contratado la cobertura opcional de Precio de Compra Garantizado Premium.

[3] Partial loss: Covered ↩

Covers repair of partial damage to the insured vehicle resulting from accident, collision, impact, rollover or vandalism. Repair must be carried out at an Allianz Direct Excelentes concerted workshop unless the optional 'Free Choice of Workshop' cover is contracted. A deductible applies per claim if the 'with deductible' variant is contracted; up to a maximum of 5 deductibles may apply per policy period if multiple independent incidents are identified.

Si los daños materiales que presenta el vehículo derivasen de distintos hechos se considerará la existencia de múltiples siniestros, y, por tanto, se aplicará una franquicia para cada uno de los siniestros identificados, con un máximo de 5 franquicias.

[4] Theft & robbery: Covered ↩

Covers partial theft of integrated vehicle parts or declared accessories, attempted theft, and full theft (total loss) of the vehicle provided it does not reappear within 30 calendar days from the date of theft. Accessories must be expressly declared in the policy. A police report is mandatory for all theft claims. Personal items inside the vehicle are excluded. For electric and plug-in hybrid vehicles, theft of the recharging cable is also covered.

Sustracción completa (pérdida total) del coche, siempre que éste no aparezca en un plazo de 30 días naturales desde la fecha del robo.

[5] Glass damage: Covered ↩

Covers repair or replacement of the front windscreen, rear windscreen, side windows, and glass roof (only if original factory fitment), in case of damage caused by impact or collision. At-home glass repair is available where repair permits. The laminant cost for tinted glass is excluded. Repair must be at an Allianz Direct specialist glass workshop unless free choice of workshop is contracted.

En caso de rotura, cubrimos el pago de la reparación o reposición de: • Parabrisas delantero. • Luneta trasera. • Ventanas laterales. • Techo de cristal, siempre y cuando éste sea un complemento de serie.

[6] Natural perils: Covered ↩

Covers damage caused by hail or hailstorm, lightning strike, and snow falling from roofs of buildings. Covers non-catastrophic natural events (catastrophic events such as earthquakes, extraordinary floods, or tornadoes are covered by the Consorcio de Compensación de Seguros). For total loss events, the same indemnification rules apply as for own damage. A deductible applies if the 'with deductible' variant is contracted.

Daños ocasionados por granizo o por pedrisco. • Daños ocasionados por un rayo. • Caída de nieve desde el techo de edificios o casas particulares.

[7] Vandalism: Covered ↩

Covers material damage to the insured vehicle caused by deliberate acts of third parties (vandalism). Included within the 'Daños Propios' (own damage) coverage clause. Subject to the same deductible conditions as own damage.

Daños por actos vandálicos.

[8] Roadside assistance: Covered ↩

Included as standard. Available 24/7 all year. Covers in-situ repair (up to 30 minutes labour), towing in case of accident to the nearest Allianz Direct Excelentes workshop within 20 km (30 km if Free Choice of Workshop is contracted), hotel accommodation (up to 3 nights, max €100/person/night), return journey or continuation of travel (taxi/public transport up to €100, equivalent rental vehicle, or train/economy flight). Mechanical breakdown, flat battery, puncture, fuel error, and key loss are limited to 3 events per year in the standard version. Unlimited events and towing to any Allianz Direct workshop in Spain available under optional Asistencia en Viaje Premium.

Reparación in situ: en caso de avería, enviaremos a nuestro proveedor de servicios más cercano para determinar y valorar si es posible la reparación en el momento, hasta un máximo de 30 minutos de mano de obra

[9] Replacement vehicle: Optional ↩

Optional add-on. If the vehicle cannot be repaired on the same day of immobilization, Allianz Direct organizes and covers the cost of a substitute rental vehicle of equivalent category, subject to rental company availability. Maximum durations: 5 calendar days for breakdown/fuel/puncture/glass/key issues; 15 calendar days for accident/post-theft recovery/partial theft/vandalism/weather event/fire; 30 calendar days for total theft. As an alternative, reimbursement of up to €30/day for other means of transport is available. Fuel and tolls are excluded from the covered costs.

5 días naturales en caso de: • Avería. • Problemas de combustible. • Pinchazo. • Rotura de cristal o parabrisas. • Problemas con las llaves. 15 días naturales en caso de: • Accidente.

[10] Driver accident: Covered ↩

Covers the principal insured driver for traffic accidents where the driver is responsible. Indemnification: healthcare costs up to €20,000 at Allianz Direct concerted medical centres (or €6,000 at a freely chosen centre) within 1 year of the accident; permanent disability up to the capital stated in the Particular Conditions (calculated using the RDL 8/2004 scale); death benefit paid to designated beneficiaries if death occurs within 1 year of the accident. Minimum threshold: claims with sequelae of 5 or fewer injury points are excluded. Optional 'Seguro del Conductor y Familia Premium' extends capital to €60,000 for the driver alone, or €150,000 for driver and spouse (or single parent) where there is at least one minor child.

Gastos de asistencia sanitaria. Allianz Direct asumirá hasta el importe máximo de 20.000 € en el caso de que el tratamiento se dé en uno de nuestros centros médicos.

[11] Own damage: Covered ↩

Covers material damage to the insured vehicle, its accessories and options, including repair, replacement or total-loss indemnification regardless of fault. Includes damage from collision with another identified or unidentified vehicle. Total loss is declared when repair cost equals or exceeds 100% of the new value or market value at the time of the accident. Compensation amount depends on the vehicle's age.

[12] Total loss: 100% of insured sum ↩

Total loss is declared when the repair cost equals or exceeds 100% of the new value or market value at the time of the accident. During the first two years from first registration, the insured is indemnified at 100% of the vehicle's new value in case of total loss from accident, theft, or fire. After the first two years, indemnification is based on market value at the time of the loss.

[13] Partial loss: Covered ↩

Covers repair or replacement of damaged parts of the insured vehicle arising from an accident. In the Todo Riesgo con Franquicia variant, a configurable fixed deductible (franquicia) chosen by the insured is applied per claim for own-damage repairs. In the Todo Riesgo sin Franquicia variant, the insurer covers all costs up to the agreed limits without any deductible.

[14] Theft & robbery: Covered ↩

Covers total theft of the vehicle or partial theft of fixed parts, as well as repair or replacement of parts damaged as a consequence of theft or attempted theft. Also covers theft of tyres, wheels, rims, and fixed accessories declared in the policy. Does not cover non-fixed parts such as ski racks, roof racks, or roll bars. Indemnification for total theft is determined by vehicle age from first registration.

[15] Glass damage: Covered ↩

Covers replacement or repair of accidental breakage of the windscreen, side windows, rear window, and panoramic/solar roof if fitted as standard or declared as an accessory. AXA offers a 30-minute windscreen repair service. Available from Terceros con Lunas tier upwards.

[16] Natural perils: Optional ↩

Covers material damage to the insured vehicle, its accessories and options caused directly by: hail, wind, snow, rain, lightning strike, landslides, ground subsidence, floods, rockfalls, avalanches, flash floods, and other natural phenomena, as well as their consequences such as falling trees, electricity/utility poles, objects dislodged from buildings and similar effects. An optional deductible of 30% of the claim amount (minimum EUR 100) can be included to reduce the premium. No deductible is applied if this option is not selected.

[17] Vandalism: Covered ↩

Vandalism (malicious damage by third parties) is covered under the own-damage (daños propios) guarantee, which is exclusive to Todo Riesgo (with or without deductible) policies. Includes scratches, scrapes and other intentional damage caused by third parties, subject to a police report. In the Todo Riesgo variant, if scratches affect multiple sides of the vehicle and do not exceed EUR 500, only a single deductible applies.

[18] Roadside assistance: Covered ↩

Roadside assistance is included in all Motor Elige modalities from km 0 throughout Spain. Standard modality covers Spain; Complete modality covers Spain and Andorra; Foreign modality covers Morocco, EEA countries and Inter-Bureau Convention countries. AXA guarantees tow truck arrival within 60 minutes; if this is exceeded the insured receives EUR 60 compensation. An upgraded VIP assistance option (unlimited towing, flat tyre, fuel, and wrong fuel assistance) is available as an optional add-on.

[19] Replacement vehicle: Optional ↩

An optional add-on that provides a replacement vehicle when the insured vehicle is immobilised due to an accident covered by the policy or in case of total theft. A VIP variant within the optional Pack VIP provides a premium replacement vehicle. Available across all modalities as a paid optional guarantee.

[20] Driver accident: €15,000 – €50,000 ↩

Covers death and permanent invalidity of the driver as a result of a traffic accident. The base capital is EUR 15,000 for death and EUR 15,000 for invalidity (expandable to EUR 30,000 or EUR 50,000 as an optional upgrade). Also covers medical assistance expenses (gastos de asistencia sanitaria). For the Todo Riesgo modality, medical assistance in contracted centres is limited to EUR 3,000,000 and up to EUR 6,000 in non-contracted centres. Drivers under 26 years old must be expressly declared in the policy, otherwise vehicle damage and personal accident coverage is excluded.

[21] Own damage: Covered ↩

Covers damage to the insured vehicle caused by an accident from an external, instantaneous, violent and involuntary cause, whether the vehicle is in circulation, parked or being transported. Includes: collision or crash with another vehicle or any object; vehicle overturning or falling; sinkhole of terrain, bridges or roads; malicious acts of third parties; lightning strike and hail damage; damage to interior upholstery caused when helping accident victims. Valuation: for vehicles up to 1 year old, repair cost is covered if it does not exceed 75% of the new value; for vehicles over 1 year old, repair cost is covered if it does not exceed the market value (valor venal). In case of total loss: new value (valor de nuevo) for vehicles up to 2 years old; market value + 15% improvement (valor venal mejorado) for vehicles aged 2–4 years; market value at time of loss for vehicles aged 4 years or more. Indemnification never exceeds the actual purchase price paid by the current owner. Optional deductible (franquicia) available in up to 6 tiers, reducing the premium accordingly.

Los daños causados al vehículo como consecuencia de un accidente producido por una causa externa, instantánea, violenta y ajena a la voluntad del asegurado o del conductor, hallándose el vehículo en circulación, estacionado o durante su transporte.

[22] Total loss: Covered ↩

Total loss is declared when, for vehicles up to 1 year old from first registration, the repair cost exceeds 75% of the new value; for vehicles over 1 year old, when repair cost exceeds the vehicle's market value (valor venal). Indemnification follows age-based valuation: new value (up to 2 years); market value +15% (2–4 years); market value at date of loss (4 years or older). The policyholder may choose to retain the salvage (deducted from indemnification) or transfer it to the insurer in exchange for the full indemnification. Indemnification never exceeds the actual purchase price paid by the current owner.

Valor de nuevo: Para vehículos con antigüedad comprendida hasta los 2 años desde la fecha de primera matriculación. - Valor venal mejorado: Para vehículos con antigüedad entre los 2 y los 4 años desde la fecha de primera matriculación mejora del 15%.

[23] Partial loss: Covered ↩

Where the vehicle is repairable (partial loss), the full repair cost is covered provided it does not exceed 75% of the new value for vehicles up to 1 year old, or does not exceed the market value (valor venal) for vehicles over 1 year old. Fixed original factory accessories are covered without any separate limit; factory-fitted audio, navigation, telephony and video systems are covered up to the limit stated in the particular conditions. Tyres are covered at new value in accidents involving collision with an identified vehicle affecting other vehicle parts; otherwise at market value.

El coste total de la reparación de los daños, si el importe de la reparación es inferior al 75% del valor de nuevo en vehículos de antigüedad inferior a un año desde la fecha de primera matriculación o inferior al valor venal si la antigüedad del vehículo fuese superior o igual a un año.

[24] Theft & robbery: Covered ↩

Covers unlawful taking of the insured vehicle by third parties, whether by theft with force or violence (robo) or without (hurto), and attempted theft. Valuation in case of total vehicle theft: new value for vehicles up to 2 years old; market value +15% for vehicles aged 2–4 years; market value at date of loss for vehicles 4 years or older. In case of damage to the vehicle while in the possession of third parties during or after attempted theft: repair cost covered if <75% of new value (up to 2 years) or <market value (over 2 years). Fixed indispensable vehicle parts stolen are covered by repair/replacement cost. Wheels, rims, tyres and hub caps only covered in case of complete vehicle theft. The insured must file a police report. If the vehicle is recovered within 40 days, the insured must accept it back and the insurer covers repair of theft-related damages. If recovered after 40 days, the vehicle passes to the insurer but the insured may opt to recover it by returning the indemnification received.

La sustracción ilegítima del vehículo asegurado por parte de terceros o su tentativa, tanto por robo como por hurto y hurto de uso, conforme a la legislación vigente.

[25] Glass damage: Covered ↩

Covers total or partial damage to the vehicle's windows caused by an external, instantaneous, violent cause beyond the policyholder's control, including weather events. Specifically covers replacement, fitting or repair of: front windscreen (parabrisas), side windows (ventanillas laterales) and rear window (luneta trasera). Balumba works with specialist glass repair networks including Carglass. The policyholder may also choose their own trusted workshop. Optional deductible may apply per particular conditions. Excluded: headlights, tail lights, indicators, mirrors, non-factory-installed sunroofs, other types of glass/plastic/synthetic elements, scratches and impact marks that do not constitute partial or total breakage, and reimbursement where glass is not replaced or repaired.

Daño total o parcial causado a las lunas del vehículo por causa externa, instantánea, violenta ajena a la voluntad del tomador, asegurado, propietario o conductor del vehículo, incluso motivado por fenómenos meteorológicos ordinarios.

[26] Natural perils: Covered ↩

Hail and lightning strike are explicitly included within the own damage (daños propios) coverage underwritten by AECS. Extraordinary natural events such as earthquakes, extraordinary flooding, volcanic eruptions, atypical cyclonic storms (winds >120 km/h), and tornadoes fall under the mandatory Spanish Consorcio de Compensación de Seguros scheme and are not covered by AECS directly. The policyholder pays a statutory surcharge (recargo) to the Consorcio alongside the premium, which then covers those extraordinary perils.

Los daños como consecuencia de la caída de rayo y pedrisco.

[27] Vandalism: Covered ↩

Malicious acts by third parties (hechos malintencionados de terceros) are explicitly listed as a covered cause within the own damage (daños propios) section of the policy underwritten by AECS. Deliberate acts by the policyholder, insured, or authorised driver are excluded.

Hechos malintencionados de terceros.

[28] Roadside assistance: Optional ↩

Optional roadside assistance underwritten by Europ Assistance España. Included by default in Balumba's todo riesgo but can be excluded if the policyholder already has this coverage elsewhere. Covers: on-site repair (in situ) within 30 minutes; towing to nearest brand workshop within 100 km radius (General/Integral products) or to the usual workshop if the incident occurs in the same province of residence; vehicle rescue up to EUR 300; vehicle custody up to EUR 150; hotel accommodation for up to 2 nights (EUR 60/person/day) if immobilisation exceeds 24 hours at over 25 km from home; transfer of policyholders/passengers to origin or destination; long-distance vehicle transport; spare parts search and dispatch; legal abroad advance (up to EUR 3,000); funds advance (up to EUR 2,000); 24/7 urgent message transmission; duplicate key dispatch (shipping costs up to EUR 120). Balumba guarantees tow truck arrival within 45 minutes; if not met, EUR 50 compensation is paid to the customer (subject to force majeure). Territorial scope: Spain and Europe (General/Integral products from km 0 for vehicles; km 25 for persons).

[29] Replacement vehicle: Optional ↩

Optional coverage provided by ARAG (legal defence insurer). Available for accidents occurring in Spain that immobilise the vehicle. Provides a Category C replacement vehicle (subject to rental company availability) or reimbursement of rental costs up to EUR 30/day. The number of rental days depends on labour hours required for repair: up to 3 days (4–8 hrs); up to 4 days (8–12 hrs); up to 5 days (12–16 hrs); up to 6 days (16–20 hrs); up to 10 days (>20 hrs or total loss); up to 10 days in case of theft. An extended version also covers breakdown (avería) in addition to accident, with a 7-day waiting period for breakdown cases. Maximum 2 claims per policy year. Policyholders with disabilities may access an automatic vehicle at up to EUR 60/day.

En los supuestos de paralización del vehículo asegurado por causa de accidente ocurrido en España, el Asegurador garantiza: a. Poner a disposición del asegurado un vehículo de sustitución de categoría "C".

[30] Driver accident: Optional ↩

Optional coverage underwritten by GES Seguros y Reaseguros S.A. Covers bodily injuries suffered by the insured driver as a result of a traffic accident, provided the driver is aged 25 or over and legally authorised to drive (a surcharge applies for drivers under 25 declared in the policy). Coverage in case of death, total invalidity (100% of insured capital when social security determines absolute permanent invalidity), partial invalidity (percentage per social security tables), medical assistance expenses, advance payment in case of driver's death, double capital if both spouses die in the same accident, international coverage (optional extension), and daily hospitalisation benefit (optional). Specific capital limits are set in the particular conditions, not the general conditions. Drivers under intoxication or under the influence of drugs are excluded.

El Asegurador garantiza, dentro de los límites cuantitativos y cualitativos contenidos en las condiciones particulares del presente contrato, la indemnización de los daños corporales sufridos por el conductor asegurado, siempre que sean consecuencia de un accidente producido en ruta

[31] Own damage: Covered ↩

Covers damage to the insured vehicle caused by an external, violent and instantaneous event (collision, overturning, impact with objects or animals, vandalism, subsidence, fire, explosion, lightning), whether in circulation or at rest. Repairs valued at cost of parts, paint, labour and VAT. Total loss declared when estimated repair exceeds 75% of valor venal (or valor de adquisición if applicable): indemnified at 100% valor venal; for private-use cars up to 2 years from first registration at 100% valor de adquisición; in year 3 at 120% valor venal. Deductible (franquicia) amount specified in Condiciones Particulares (from €200). Excludes mechanical/electrical breakdowns and ordinary wear.

Esta cobertura comprende, dentro de los límites establecidos en las Condiciones Particulares de la póliza, los daños que pueda sufrir el vehículo asegurado como consecuencia de un accidente producido por una causa exterior, violenta e instantánea, o por incendio o explosión, en todo caso con independencia de la voluntad del conductor, hallándose el vehículo tanto en circulación como en reposo, o en curso de transporte, salvo que dicho transporte sea marítimo o aéreo.

[32] Total loss: Covered ↩

Pérdida total is declared when the estimated repair cost exceeds 75% of the vehicle's valor venal or valor de adquisición (where applicable). Settlement is made deducting the value of salvage remains which stay with the insured. For private-use cars: 100% valor de adquisición in years 1-2 from first registration; 120% valor venal in year 3; 100% valor venal thereafter.

En un siniestro existirá pérdida total cuando el importe presupuestado de la reparación del vehículo siniestrado exceda del 75% de su valor venal o de su valor de adquisición si es de aplicación esta garantía, en cuyo caso el siniestro se liquidará de acuerdo con cuanto se establece en estas Condiciones Generales, deducción hecha del valor de los restos, que quedarán en propiedad del Asegurado.

[33] Partial loss: Covered ↩

Damage repairs where the estimated cost does not exceed 75% of the valor venal are covered at cost of parts, paint, labour and VAT (or equivalent taxes not recoverable by the insured). Series elements are indemnified accordingly; optional elements at 100% of the declared first-risk value.

2.1. Las reparaciones de los daños materiales se tasarán por el coste de los recambios, pintura, mano de obra e IVA o impuestos similares, si estos impuestos no son recuperables por el Asegurado.

[34] Theft & robbery: Optional ↩

Covers loss or damage to the insured vehicle in the event of theft (robo, hurto, or robo/hurto de uso) by third parties, or attempted theft. Full theft (sustracción completa) is declared if the vehicle is not recovered within 40 days of the declaration to CASER. Indemnification: 100% valor venal; for private-use cars in years 1-2 at 100% valor de adquisición; year 3 at 120% valor venal. Tyres and battery at 100% valor venal. Also covers 100% of damage incurred while the vehicle is in the hands of the thieves. Damage from theft by family members or employees excluded.

Por esta cobertura, el Asegurador se obliga, dentro de los límites establecidos en esta póliza, a indemnizar al Asegurado los daños o la pérdida del vehículo asegurado en caso de sustracción ilegítima del mismo por parte de terceros, o su tentativa.

[35] Glass damage: Optional ↩

Covers the cost of repair or replacement and fitting of windscreen (parabrisas), rear window (luneta trasera), side windows (ventanillas laterales) and factory-fitted sunroof (techo solar de serie) in the event of total or partial breakage caused by an instantaneous, violent cause independent of the owner's/driver's will. Repair valued at cost of glass, labour and VAT. Scratches, surface deterioration, and damage to lights/mirrors excluded. Meteorological damage excluded except hail (pedrisco).

Por esta cobertura, el Asegurador garantiza los gastos de reparación o reposición y colocación de las lunas del vehículo especificado en las Condiciones Particulares, en caso de rotura de las mismas.

[36] Natural perils: Conditional ↩

Within Modalidad Segunda (own damage), fire/explosion and lightning (rayo) are covered; hail (pedrisco) is covered. Seismic/atmospheric damage and thermal damage (excluding hail and lightning) are explicitly excluded from Mod. Segunda. Extraordinary natural events (floods, earthquakes, volcanic eruption, atypical cyclonic storms, meteorites, terrorism, riots) are covered by the Consorcio de Compensación de Seguros under Art. 47 (Cláusula de Cobertura de Riesgos Extraordinarios), provided the policyholder has paid the corresponding surcharge.

Los daños ocasionados por fenómenos sísmicos, atmosféricos (salvo el pedrisco y rayo) o térmicos, incluso los debidos a la congelación del agua del radiador.

[37] Vandalism: Covered ↩

Malicious acts by third parties (hecho malintencionado de terceros) are expressly included in the own-damage guarantee (Modalidad Segunda), provided the act does not have a political or social motivation. This covers intentional damage to the vehicle by unknown third parties.

Vandalismo: Hecho malintencionado de terceros, siempre que no tenga móvil o intencionalidad político-social.

[38] Roadside assistance: Optional ↩

Optional coverage providing 24-hour roadside assistance from km 0 across Spain, Europe (including Russia up to the Ural) and non-European Mediterranean countries. For Category 1 vehicles: emergency mechanical repair up to €120 at the scene; towing to nearest garage or to chosen garage within 25 km of declared domicile; vehicle rescue up to €350; spare parts dispatch; passenger accommodation up to €43/night for up to 5 nights or transfer to home; medical expense reimbursement abroad up to €6,000. Asistencia Más (optional upgrade) extends to €8,000 medical abroad, towing to chosen garage anywhere in Spain/abroad, accommodation up to €80/night, advance up to €3,000 abroad.

Asistencia mecánica. En caso de accidente o avería que impida al vehículo asegurado circular, el Asegurador enviará con urgencia una grúa para efectuar, si fuera posible, una reparación "in situ" que permitiese al vehículo y a sus ocupantes seguir su viaje. El Asegurador se hace cargo del gasto de esta intervención por un importe máximo de 120 €.

[39] Replacement vehicle: Optional ↩

Optional Modalidad Décima provides a hired replacement vehicle when the insured vehicle is immobilised due to an accident, theft/robbery attempt, or theft (including when the vehicle has disappeared). Available only for first-category vehicles for private/private-business use, after towing by CASER. Limits: up to 10 natural days for accident; up to 15 natural days for total loss; up to 30 natural days for theft/robbery (theft report required). Valid in Spain, Europe including Russia to the Ural, and non-EU Mediterranean countries. Not applicable if vehicle still driveable, for vandalism/parking damage, or if insured fails to contact CASER.

Esta garantía, no incluida en el seguro de asistencia en viaje, puede ser contratada optativamente por el Tomador del seguro, siendo su objeto el de proporcionar un vehículo de sustitución (alquiler) al Asegurado en el supuesto de quedar inmovilizado el vehículo asegurado por sufrir un accidente de circulación, un intento de robo o hurto, robo o hurto; y en este caso de robo o hurto, también en el supuesto de que el vehículo haya desaparecido.

[40] Driver accident: €1,500,000 ↩

Covers the at-fault driver for death or permanent injury (sequelae) resulting from an accident, calculated per the official baremo (Tables I, II, III, IV, VI of RDL 8/2004). Maximum capital: €1,500,000 per event for death or permanent injury. Coverage is proportional to the driver's degree of responsibility as established by firm judicial sentence or police report. Excludes road safety offences, temporary disability (Table V), and vehicles with 2-3 wheels. Capital amounts set in Condiciones Particulares; the €1,500,000 is the statutory cap per Art. 43.5.5.

5.5. La cuantía máxima de la prestación con cargo a esta cobertura se establece en un capital máximo de 1.500.000 € para muerte o lesiones permanentes (secuelas).

[41] Own damage: Covered ↩

The insurer covers the cost of repair or indemnification of damaged parts of the insured motorcycle as a consequence of an accident, whether in motion, at rest or during transport. The deductible contracted in the Particular Conditions applies. Personal belongings of occupants damaged simultaneously are covered up to 300 EUR. Urgent repairs to elements necessary for normal circulation (lighting system, locking device) may be carried out by the insured up to a limit of 1,000 EUR with presentation of original invoices. Total loss is declared when repair cost equals or exceeds 100% of the vehicle's value-as-new (for vehicles ≤12 months old from first registration) or market value (for vehicles >12 months old).

El Asegurado se hará cargo de la franquicia contratada.

[42] Total loss: 100% of insured sum ↩

Total loss is declared when the cost of repair equals or exceeds 100% of the vehicle's value. Indemnification is based on the vehicle's age from first registration: 100% of value-as-new (valor a nuevo) if the vehicle is ≤12 months old, or 100% of market value (valor de mercado) if the vehicle is >12 months old. The applicable deductible and the value of salvage (which remains with the insured) are deducted from the indemnification. Total loss due to own damage, fire or theft causes policy extinction; unearned premiums remain with the insurer.

[43] Partial loss: Covered ↩

Partial damage to the insured vehicle caused by an accident is covered under the Daños propios guarantee. The insurer covers the cost of repair of the damaged parts. The deductible contracted in the Particular Conditions applies. Tyre damage is covered at new value only when caused by collision with an identified vehicle; in other cases (collision with unidentified objects or no collision), tyres are indemnified at their venal/used value.

El Asegurado se hará cargo de la franquicia contratada.

[44] Theft & robbery: 100% of insured sum ↩

In the event of total theft of the insured vehicle, the insurer covers the cost of indemnification or replacement with an equivalent vehicle. Indemnification is based on the vehicle's age: 100% of value-as-new (valor a nuevo) if the vehicle is ≤12 months old from first registration, or 100% of market value (valor de mercado) if >12 months old. The deductible, if applicable, and the value of salvage are deducted. For theft to be covered, there must be evidence of force (forced steering, forced anti-theft system, electrical system modification, or bodily violence/threats). The insured must report the theft to the competent authority. If the vehicle is recovered within 30 days, the insured must accept its return; if after 30 days, the vehicle becomes property of the insurer (unless insured opts to recover it within 15 days of communication). A deductible of 10% with minimum 250 EUR applies under Todo Riesgo con Franquicia and Terceros Ampliado modalidades.

[45] Glass damage: Excluded ↩

No separate glass cover; scratches to optics, mirrors and screens from normal wear are excluded.

excluyen expresamente los simples desperfectos, rayados de ópticas, espejos y lunas ocasionados por desgaste normal.

[46] Natural perils: Conditional ↩

Extraordinary natural events (earthquake, volcanic eruption, atypical cyclonic storm, celestial body falls, extraordinary flooding) are covered by the Consorcio de Compensación de Seguros (CCS), not directly by the insurer, provided the corresponding CCS surcharges have been paid by the policyholder. Within the own damage (Daños propios) guarantee, damage caused by hail (pedrisco/granizo) is covered conditionally: repair and expert assessment must be carried out at workshops designated by the insurer. Other atmospheric or thermal phenomena are explicitly excluded from the Daños propios guarantee. Natural perils coverage via CCS applies to both Terceros Ampliado and Todo Riesgo modalities.

[47] Vandalism: Excluded ↩

Vandalism is not covered as a standalone guarantee. The theft exclusions explicitly exclude repair or replacement of damaged or stolen parts of the insured vehicle and its fixed elements as a consequence of robbery attempt or vandalism (acto vandálico). Extraordinary events of a social/political nature (terrorism, riot, civil unrest) are covered by the Consorcio de Compensación de Seguros rather than the insurer directly.

[48] Roadside assistance: Covered ↩

Standard roadside assistance (Asistencia en viaje Estándar) is included in all modalities and covers Spain and Andorra from km 0 for the vehicle and from km 25 for persons. Services include: on-site repair (insurer covers labour; insured pays for parts); towing to nearest/designated workshop in case of accident (up to 100 km radius for breakdown); passenger/driver transfer up to 100 EUR or hotel accommodation up to 1 night/100 EUR (if accident occurs >25 km from home); storage costs up to 75 EUR; repatriation of injured or deceased; companion travel for hospitalised minor. 24/7 phone line available (900 300 100). Does not cover: lack of fuel, flat tyre air pressure (without puncture), lost/stolen keys. Premium roadside assistance (optional) extends territorial scope to Spain, Morocco, EEA and Inter-Bureaux countries and adds: up to 200 EUR transfer/hotel (3 nights), 300 EUR rescue limit, 125 EUR storage, abroad legal defence up to 600 EUR, judicial bail advance up to 5,000 EUR, key duplicate courier up to 50 EUR, hotel immobilisation up to 200 EUR total.

[49] Replacement vehicle: Excluded ↩

The Mi Moto Direct T&C does not provide a replacement motorcycle as a standalone coverage. The roadside assistance guarantee includes transfer of occupants or hotel accommodation as alternatives when the vehicle is immobilised, but does not provide a substitute motorcycle.

[50] Driver accident: Covered ↩

Included in all modalities (Terceros Básico, Terceros Ampliado and Todo Riesgo). Covers bodily injury to the driver (insured) as a result of a traffic accident with the insured vehicle causing death or permanent disability, as well as healthcare expenses. Death benefit: insured capital paid to beneficiaries; an advance payment of 1,500 EUR is available immediately upon accreditation of the payment obligation. Permanent disability: percentage of insured capital based on disability table (e.g., 100% for complete paralysis, blindness, loss of both arms; 50% for leg above knee; 30% for loss of vision in one eye; etc.). Healthcare expenses: up to the limit in Condiciones Particulares at free-choice centres, or up to 3,000,000 EUR at Concertado healthcare centres. Capital amounts are set in Condiciones Particulares (not fixed in general conditions). A single accident does not give simultaneous right to both death and permanent disability indemnification.

[51] Own damage: Covered ↩

The Todo Riesgo con Franquicia policy covers repair of own-vehicle damage even when the insured is at fault, subject to the agreed deductible (franquicia options: 180, 300, 450 or 600 EUR).

En caso de que el vehículo presente daños, este seguro te ofrece la cobertura que necesites, con una franquicia, incluso siendo tú responsable de los mismos.

[52] Total loss: Covered ↩

In the event of a total loss, indemnification is at new-vehicle value during the first two years of the policy.

Indemnización a valor de nuevo del vehículo, en caso de siniestro total, durante los 2 primeros años.

[53] Partial loss: Covered ↩

Partial own-damage repair is included in the Todo Riesgo con Franquicia modality, subject to the agreed deductible.

En caso de que el vehículo presente daños, este seguro te ofrece la cobertura que necesites, con una franquicia, incluso siendo tú responsable de los mismos.

[54] Theft & robbery: Covered ↩

Theft (robo) of the vehicle is included in the Todo Riesgo con Franquicia policy.

[55] Glass damage: Covered ↩

Glass breakage (rotura de lunas) is included in the Todo Riesgo con Franquicia policy.

[56] Natural perils: Covered ↩

Damage caused by natural phenomena (fenómenos de la naturaleza), including floods and storms, is included in the Todo Riesgo con Franquicia policy.

[57] Roadside assistance: Covered ↩

Roadside assistance is included 365 days a year, 24 hours a day, from kilometre 0, covering Spain, Europe and non-European Mediterranean-rim countries.

Asistencia en carretera, 365/24 horas y desde Km. 0.

[58] Replacement vehicle: Optional ↩

Vehículo de sustitución

[59] Driver accident: Covered ↩

Accidentes del conductor

[60] Own damage: Covered ↩

Covers damage to the insured vehicle caused by accidents or collisions even when the insured driver is at fault, whether the vehicle is in motion or at rest. In the event of a total loss within the first 2 years of vehicle age, indemnification is at new-replacement value; in the third year, at market (venal) value plus 50% of the difference between market and new value. Deductible options of EUR 200 to EUR 1,250 are available in the with-franchise variant; the without-franchise variant has no deductible.

[61] Total loss: 100% of insured sum ↩

In the event of a total loss (accident or fire), vehicles up to 2 years old are indemnified at 100% of new-replacement value. In the third year, indemnification equals market (venal) value plus 50% of the difference between market and new value. For theft total loss, new-replacement value applies during the first year.

En caso de siniestro total (y dentro de los primeros 2 años de antigüedad del vehículo) la compañía indemniza con el 100% de su valor, mientras que en el tercer año la indemnización equivale al valor venal más el 50% -diferencia entre el valor venal y el valor nuevo-.

[62] Partial loss: Covered ↩

Covers partial damage to the insured vehicle (scratches, dents, collision damage) even when the insured is at fault. In the with-franchise variant, the insured pays up to the chosen deductible amount (EUR 200–1,250) per at-fault claim; the insurer covers the rest. Includes damage suffered while parked with no identified third party.

La franquicia se aplicará únicamente cuando se haya de hacer frente a los gastos de la reparación del vehículo y siempre que no haya un tercero responsable del accidente.

[63] Theft & robbery: Covered ↩

Covers total or partial theft of the insured vehicle and its accessories, including theft by distraction (leaving keys in car). Indemnification at new-replacement value in the first year for total theft; thereafter at market (venal) value. Partial theft of fixed parts is also covered.

[64] Glass damage: Covered ↩

Covers repair or replacement of windscreen, side windows, rear window and sunroof. When using FIATC's network glass repairer, costs are charged directly to the insurer. Free choice of glass repairer is permitted, with reimbursement. Included in the Todo Riesgo and Terceros Ampliado policies; optional in Terceros Básico.

[65] Natural perils: Covered ↩

Covers damage to the vehicle caused by non-catastrophic atmospheric phenomena including lightning strike, wind, hail/sleet, snow and rain. Also covers fire and explosion (whether in motion or at rest). Luggage and objects carried in the vehicle are covered up to EUR 900 in aggregate under the vehicle-damage cover. Catastrophic events (floods, earthquakes) are covered by the Consorcio de Compensación de Seguros, not FIATC.

Cubre los daños por accidente que pueda sufrir el vehículo, ya se encuentre este en circulación o en reposo. Dentro de esta cobertura se incluyen los daños que puedan sufrir los equipajes u otros objetos transportados en el turismo asegurado hasta un máximo en su conjunto de 900 €, el incendio del vehículo y los daños producidos por fenómenos atmosféricos no catastróficos como caída de rayo, viento, pedrisco, nieve, lluvia, etc.

[66] Vandalism: Conditional ↩

Coverage for damage caused by vandalism is referenced for the Todo Riesgo and Terceros Ampliado modalities with the qualifier 'según póliza' (subject to policy terms). Vandalism caused by terrorism or arson falls under the Consorcio de Compensación de Seguros. Full extent is subject to the specific Condiciones Particulares.

[67] Roadside assistance: Covered ↩

24-hour roadside assistance from kilometre 0, available 365 days a year, in Spain and abroad. Includes towing/rescue, tyre change, fuel delivery, key loss service, emergency repairs on site, and transport of vehicle and occupants to home or destination if the vehicle cannot be repaired the same day. Also covers medical transport and repatriation of injured occupants, hotel expenses and family travel costs. Accessible via freephone 900 302 020 (Spain) or +34 914 484 400 (abroad), FIATC App and WhatsApp.

[68] Replacement vehicle: Covered ↩

A replacement vehicle (or mobility reimbursement) is provided while the insured vehicle is immobilised in a workshop following an accident, breakdown or theft. Included in Todo Riesgo policies and some Terceros Ampliado variants. Specific conditions (waiting period, maximum days, daily cap) are defined in the Condiciones Particulares.

Vehículo de sustitución.

[69] Driver accident: €15,000 ↩

Covers bodily injury to the driver and all vehicle occupants resulting from an accident. Includes medical, surgical, pharmaceutical and hospitalisation expenses, death indemnification, and permanent disability indemnification. Indemnification for death or permanent disability is up to EUR 15,000; medical assistance expenses are covered up to EUR 3,000 outside agreed healthcare centres (unlimited within agreed centres, for 365 days from the accident). Coverage for occupants extends territorially throughout Europe. In Todo Riesgo policies, the medical expense coverage applies from km 0.

Hasta 15.000 € de indemnización en caso de muerte o invalidez permanente, y hasta un máximo de 3.000 € en concepto de gastos de asistencia sanitaria* derivados de un accidente producido con ocasión de: - ocupar como conductor o pasajero el vehículo asegurado. - subir o apearse de dicho vehículo. - efectuar cualquier acto para repararlo en ruta.

[70] Own damage: 100% of insured sum ↩

Covers partial and total material damage to the insured vehicle caused by collision with other vehicles or any fixed or mobile object, rollover, sinking of terrain/bridges/roads, wilful acts of third parties (not terrorism/war), manufacturing defects, hailstorm, and transport of the insured vehicle. Vandalism and natural perils (except Consorcio-covered catastrophes) are included within this guarantee. Indemnification: for partial losses, actual repair cost; for total loss, 100% of replacement value if vehicle age < 2 years and first owner, otherwise venal value (minus salvage). A franchise (deductible) may be agreed. Salvage expenses capped at EUR 1,000 per claim; ITV costs capped at EUR 150; vehicle immobilization allowance EUR 60/day max EUR 3,000 per claim.

[71] Total loss: 100% of insured sum ↩

Covers total loss of the insured vehicle arising from the covered perils of Theft, Own Damage or Fire. A sinister is classified as total loss when material damage causes destruction, disappearance or complete write-off of the vehicle, or when repair costs exceed the vehicle's Valor Depreciado (replacement value minus 1% per month from first registration, floor 10% of replacement value). Indemnification: 100% of Valor de Reposición (replacement value at day of loss including taxes) if vehicle age < 2 years and first owner; for older vehicles or transferred ownership, the Valor Depreciado. Salvage expenses up to EUR 1,000 per claim.

[72] Partial loss: 100% of insured sum ↩

Partial material damage to the insured vehicle covered under the Daños del Vehículo guarantee. Indemnification at actual repair cost of parts replaced and labour. Excludes tyre-only damage unless the vehicle suffers other material damage simultaneously. A deductible may be agreed in the policy particulars. Urgent repairs up to EUR 200 may be carried out without prior authorisation.

[73] Theft & robbery: 100% of insured sum ↩

Covers loss of or damage to the insured vehicle resulting from theft (force on property), expropriation (force/intimidation on persons), simple theft (hurto) and theft of use (hurto de uso). Also covers 100% of damage caused to the vehicle during the theft or attempted theft. Theft of complete vehicle or all tyres: indemnified at 100% of Valor de Reposición if age < 2 years and first owner, otherwise Valor Depreciado. Partial theft of fixed elements: 100% of new value (batteries and tyres at 80% of new value). For external elements only (mirrors, wipers, brand badges): cap of EUR 1,000 per claim per annual period. Insurer has 40 days to attempt recovery before paying indemnity. Theft must be reported to competent authorities; copy of police report must be provided.

[74] Glass damage: 100% of insured sum ↩

Covers repair or replacement of the windscreen, rear window, side and other vehicle glass panels rendered unusable by accidental breakage or fragmentation. Also covers repair of damage to the front panoramic windscreen when the nature and extent of the damage permits. Glass coverage also includes the glass roof if it is standard or expressly declared in the policy. Excludes: defective installation damage, damage to headlights/mirrors/indicators, superficial scratches that do not affect normal visibility, non-standard glass or glass with serigraphs/art (indemnification limited to standard model value in that case).

[75] Natural perils: 100% of insured sum ↩

Natural perils such as hail, falling trees/poles, landslides, subsidence of terrain/roads/bridges, and falling into water are covered under the Daños del Vehículo guarantee. Coverage applies unless the damage is classified by the Government as a national catastrophe or calamity (in which case Consorcio de Compensación de Seguros covers it). Only available for passenger cars (turismos) when contracted as a separate 'Fenómenos de la Naturaleza' guarantee per the IPID; when part of the broader Daños del Vehículo, all vehicle types benefit.

[76] Vandalism: 100% of insured sum ↩

Wilful damage by third parties (vandalism) and damage during legally authorised demonstrations and strikes are covered under the Daños del Vehículo guarantee, provided the insured has made every effort to prevent the act and it does not derive from terrorism, rebellion, sedition, riot, or acts of Armed Forces/Security Forces (which are Consorcio-covered risks). Pre-existing damage prior to the vandalism act is excluded.

[77] Roadside assistance: Optional ↩

Comprehensive roadside and travel assistance covering: emergency mechanical repair (up to 60 minutes); towing to nearest official dealer or insured-chosen garage up to 100 km (EUR 240.40 limit); vehicle rescue (up to EUR 600); vehicle repatriation when repair > 8 hours or immobilised > 3 days and > 100 km from home; legal vehicle abandonment; storage costs (up to 15 days, EUR 160 max); transport/repatriation of occupants (hotel EUR 61/night up to 4 nights; alternative car hire up to EUR 300); pickup of vehicle by insured; spare parts dispatch; duplicate key dispatch; theft of 4 wheels; medical assistance; sanitary repatriation (medical expenses abroad up to EUR 6,000); convalescence (EUR 61/day up to 10 days); family ticket (up to 10 nights); personal assistance (messages, minors, deceased, professional driver, early return, luggage, legal defence abroad up to EUR 1,250, advance bail up to EUR 6,100, advance funds up to EUR 1,500, interpreter up to EUR 1,200). Vehicle assistance scope: Spain, Europe and non-European Mediterranean coastal countries (200 km strip), from km 0. Person assistance scope: worldwide from km 0; medical expenses abroad only.

[78] Replacement vehicle: Optional ↩

Provides a rental vehicle (insurer's choice) to replace the insured vehicle when it is immobilised as a result of a traffic accident or illegal seizure, provided the authorised repair time exceeds 8 hours per the brand's tariff, or the vehicle is classified as a total loss. Service starts on the same day the claim is notified and coverage is confirmed. Maximum duration: 21 calendar days for accident/repair cases; up to 30 calendar days when vehicle has been stolen. Rental cost includes third-party liability insurance but excludes fuel, deposit and damage insurance. Service is managed from Spain regardless of where the incident occurred. Must be contracted in the policy particulars. Only available for passenger cars (turismos) and vans (furgonetas).

[79] Driver accident: 100% of insured sum ↩

Covers the authorised driver and/or occupants of the insured vehicle for bodily injury sustained in a traffic accident. Benefits include: death (100% of capital agreed in policy particulars); severe disability/total permanent invalidity (100% of capital); partial permanent invalidity (percentage of capital per baremo table); medical/surgical/pharmaceutical/hospitalisation expenses (unlimited if treated in insurer-designated or Consorcio-recognised centres in Spain; limited to sum insured if private choice in Spain or treatment abroad). Disability benefits and death benefits cannot be accumulated for the same accident. Death benefit for children under 14 is limited to funeral expenses by law.

[80] Own damage: Covered ↩

The insurer covers the cost of repair to the insured vehicle arising from an accident caused by an external, violent and instantaneous event regardless of the driver's will, whether the vehicle is in motion, stationary or in transit. Covered causes include collision, rollover, sinkhole, deliberate acts by third parties (provided the insured took reasonable steps to prevent them), manufacturing defects, and hail. Tyres are covered at 100% of new value when other vehicle elements are also damaged in a collision. For partial losses the indemnity equals the actual repair cost; for total loss it equals new value (vehicles ≤ 1 year, first owner) or market value (older vehicles or subsequent owners). No fixed monetary cap stated in the general conditions; sum insured is the vehicle value updated annually.

[81] Total loss: Covered ↩

A total loss occurs when the estimated repair cost exceeds the new value (vehicle age ≤ 1 year) or the market value (vehicle age > 1 year). For vehicles up to 1 year old with the first owner, indemnity equals the new retail price (excluding road tax) minus salvage value; for older vehicles or subsequent owners, indemnity equals market value (Eurotax tables) minus salvage value. For financed vehicles, indemnity is paid first to the financing entity registered at the DGT.

[82] Partial loss: Covered ↩

Where the insured vehicle does not meet the total-loss threshold, the indemnity is calculated on the actual repair cost of the parts replaced and the labour used. A deductible (franquicia) may apply if agreed in the particular conditions; no deductible applies in total-loss claims.

[83] Theft & robbery: Covered ↩

Covers damage or loss of the insured vehicle and its elements resulting from unlawful seizure or attempted seizure by third parties. Full-vehicle theft: indemnity paid within 40 days; new value for vehicles ≤ 1 year (first owner) or market value otherwise. Partial theft of factory-fitted elements: 100% of new value (tyres/battery limited to 80% of new value); one indemnity per policy year for fixed in-vehicle electronics. Attempted theft: 100% of resulting damage covered. No deductible applies in total-loss/disappearance claims. Police report required.

[84] Glass damage: Covered ↩

Covers accidental breakage of laminated or tempered glass in the insured vehicle (windscreen, rear window, side windows and glass sunroofs) caused by an accidental, violent cause independent of the owner's or driver's will. Indemnity covers the cost of replacement parts and fitting labour, provided the replacement is actually carried out. Repair of damage to the front panoramic glass is also covered where the nature and extent of the damage allow. Damage to headlights, lights, indicators, mirrors and plastic sunroofs is excluded.

[85] Natural perils: Optional ↩

Hail (pedrisco) is included within the own-damage coverage (Art. 8) at no extra cost. Extraordinary natural events (earthquakes, extraordinary floods, volcanic eruptions, cyclonic storms, etc.) are covered by the Consorcio de Compensación de Seguros, included by law in every motor policy. Additionally, 'Daños meteorológicos' is listed in the IPID as an optional add-on that extends weather coverage beyond the base policy; 'Daños cinegéticos' (wildlife collision) is also an optional add-on.

[86] Vandalism: Covered ↩

Damage caused by malicious acts of third parties is covered under own-damage (Art. 8), provided the insured took all reasonable steps to prevent the act and the event is not derived from terrorism, rebellion, sedition, riot, popular unrest or acts by armed forces or security forces in peacetime (those risks are covered by the Consorcio de Compensación de Seguros). No separate monetary limit; indemnity follows the general own-damage rules. Interior upholstery damage caused while assisting accident victims is covered up to EUR 300 per claim.

[87] Roadside assistance: Covered ↩

24-hour roadside assistance from km 0, covering mechanical assistance or towing (max 60 minutes on-site; towing to the nearest official dealer or insured's chosen workshop within 100 km; towing costs covered up to EUR 240.40 per tow), vehicle rescue (up to EUR 600), vehicle repatriation (if repair > 8 hours or immobilised > 3 days and vehicle is > 100 km from the insured's home), hotel expenses (up to 4 nights at EUR 61/person/night), occupant transfer or hire car (up to EUR 300), key duplication, and a full set of personal and medical assistance guarantees including emergency medical transport, convalescence expenses (up to 10 nights at EUR 61/day) and medical/surgical/pharmaceutical expenses abroad (up to EUR 6,000). Vehicle assistance scope: Spain, Europe and Mediterranean-rim countries from km 0. Person assistance scope: worldwide from km 0.

[88] Replacement vehicle: Optional ↩

A replacement vehicle is listed as an optional (paid add-on) coverage in the IPID. Within the base travel-assistance coverage, a hire car up to EUR 300 is available when the insured vehicle is immobilised for more than one day in Spain or more than three days abroad; this is a temporary travel measure rather than a standalone replacement-vehicle guarantee.

[89] Driver accident: €30,000 – €100,000 ↩

Covers the driver of the insured vehicle against death or permanent disability resulting from a traffic accident. Death benefit and permanent disability capital: between EUR 30,000 and EUR 100,000 depending on the level selected in the particular conditions. In case of total permanent disability the insured receives 100% of the contracted capital; partial permanent disability is paid according to a scale set out in Art. 4. A death advance of EUR 3,000 is available immediately. Medical, surgical, pharmaceutical and hospital expenses incurred abroad are covered up to EUR 6,000 (under Art. 9 travel-assistance). The insured must hold a valid driving licence.

[90] Own damage: 100% of insured sum ↩

Per the current IPID for Helvetia Turismo Premium, own-vehicle damage is not part of the base package; it is offered as an optional guarantee under 'Garantías opcionales y suma asegurada' ('Pérdida total del propio vehículo' and 'Impacto y vandalismo: hasta valor del vehículo según antigüedad'). When contracted, it covers repair costs or total-loss indemnification for damage to the insured vehicle caused by a traffic accident, impact of objects, hail, fall of the vehicle, malicious acts/vandalism, or transport by authorised means, subject to a deductible per claim as specified in the Particular Conditions.

Garantías opcionales y suma asegurada: Pérdida total del propio vehículo: hasta valor del vehículo según antigüedad. ... Impacto y vandalismo: hasta valor del vehículo según antigüedad.

[91] Total loss: 100% of insured sum ↩

Total loss exists when the estimated repair cost exceeds 75% of the market (venal) value of the vehicle. Indemnification: 100% of new value (valor de nuevo) if vehicle is under 1 year from first registration; 100% of market value (valor venal per GANVAM bulletin) if over 1 year. With the optional Valoración Plus pack, the vehicle is valued at 100% of new value for the first 3 years and thereafter at market value plus a 30% uplift for the life of the policy.

Pérdida total del propio vehículo: hasta valor del vehículo según antigüedad.

[92] Partial loss: Optional ↩

Per the current IPID for Helvetia Turismo Premium, repair costs for partial damage to the insured vehicle are covered under the optional guarantee 'Impacto y vandalismo: hasta valor del vehículo según antigüedad' and related optional guarantees, not as part of the base package. When contracted, it covers partial damage from a traffic accident, hail or object impact, collapse of terrain or structures, malicious acts, or transport by authorised means, subject to a deductible per claim as specified in the Particular Conditions.

Impacto y vandalismo: hasta valor del vehículo según antigüedad.

[93] Theft & robbery: 100% of insured sum ↩

Covers complete theft of the insured vehicle and damage caused by theft attempt or partial robbery. Indemnification: 100% of new value (valor de nuevo) if theft occurs within the first year from first registration; 100% of market value (valor venal) thereafter. Accessories and standard series elements covered at new value (AV/phone/navigation/battery/tyres depreciated by age). Claim not payable until 30 calendar days after filing the police report.

El 100% del valor de nuevo en caso de sustracción completa del vehículo si la sustracción ocurre el primer año desde la primera matriculación.

[94] Glass damage: Covered ↩

Covers repair or replacement of the windscreen, side door windows and rear window of the insured vehicle damaged by an external, violent cause beyond the control of the insured or driver, whether the vehicle is in motion, parked or being transported. A dedicated 24h telephone service is provided for authorisation. Excludes scratches, cracks that do not impair visibility, plastic panels, optics, mirrors, sliding roofs, and trailer windows.

El Asegurador garantiza la reparación o reposición de las lunas del parabrisas, puertas y habitáculos del vehículo asegurado por una causa externa, violenta y ajena a la voluntad del Asegurado o conductor

[95] Natural perils: 100% of insured sum ↩

Optional coverage protecting against damage caused by weather events (hail, sleet, snow, wind, rain, lightning) and collisions with game species or domestic animals. Indemnification up to vehicle value according to age. Included within the Todo Riesgo (comprehensive) modality as standard; available as optional add-on in Terceros Premium.

[96] Vandalism: 100% of insured sum ↩

Covers damage to the insured vehicle caused by malicious acts by third parties (vandalism). Covered within the own-damage guarantee (Daños al propio vehículo) in comprehensive (Todo Riesgo) policies. Available as an optional add-on ("Impacto y vandalismo") under less comprehensive modalities. Indemnification up to vehicle value according to age.

[97] Roadside assistance: Covered ↩

24-hour roadside and travel assistance provided by Asitur (902 110 026 from Spain; +34 913 939 030 from abroad). Covers towing from km 0 of domicile (up to 150 km from immobilisation point), roadside technical assistance outside municipality of domicile (up to 60 EUR, parts excluded), rescue/salvage from km 0 (up to 150 EUR), fuel delivery, tyre replacement, hotel accommodation during repair (up to 60 EUR/night x 2 nights in Spain; 90 EUR/night x 3 nights abroad), transport/repatriation of insured persons and vehicle, professional driver, spare parts courier, medical/surgical/pharmaceutical expenses abroad (up to 6,000 EUR per insured), and legal defence abroad (up to 1,202.02 EUR). Applies to residents in Spain with stays away from habitual residence not exceeding 60 days per trip.

El Asegurador se compromete, por esta Garantía, a facilitar el servicio adecuado para atender los posibles contratiempos cubiertos que puedan surgirle al Asegurado en la carretera. Este servicio lo facilita Asitur

[98] Replacement vehicle: 5 days ↩

Helvetia provides and covers the cost of a category B rental vehicle for up to 5 days when the insured vehicle is immobilised for repair for more than 40 hours following an accident. Also applicable in cases of vehicle theft (if not recovered within 24 hours of the police report). Source: official product page helvetia.es.

Si a consecuencia de un accidente, el vehículo asegurado sufriera daños que determinaran su inmovilización y estancia en el taller por tiempo superior a 40 horas, Helvetia Seguros facilitará y asumirá, el coste de un vehículo de alquiler de categoría B, hasta un máximo de 5 días.

[99] Driver accident: €12,000 ↩

Covers the driver of the insured vehicle in the event of death or permanent sequelae resulting from a traffic accident. Capital of up to 12,000 EUR (as stated in the 2026 IPID for Helvetia Turismo Premium). Medical/surgical/pharmaceutical expenses are covered at 100% in authorised centres; maximum of 1,000 EUR if treated abroad or in non-authorised centres. Coverage is limited to drivers aged 25 or over with at least 2 years' driving licence, unless expressly declared as occasional driver in the Particular Conditions.

[100] Own damage: Optional ↩

Covers damage suffered by the insured motorcycle in an accident, regardless of who is at fault. Partial losses are indemnified at 100% of repair cost. Total loss is declared when the repair budget exceeds 100% of the market value; in that case indemnification equals new value during the first 12 months from first registration, and market value from month 13 onwards. A percentage deductible (minimum fixed amount) applies to all parts and is specified in the Particular Conditions. Also includes a separate sub-cover (II.2.3A) for damage caused by animals invading the roadway, subject to an official police report (no deductible applies to the animal-damage sub-cover). All optional covers must be expressly contracted.

[101] Total loss: 100% of insured sum ↩

Total loss is declared when the estimated repair cost exceeds 100% of the market value of the motorcycle. Indemnification: new value (value of new same model at authorised dealer including taxes) during the first 12 months from first registration; market value (Ganvam or equivalent guide) from month 13 onwards. The residual value of remains is deducted when they remain in the possession of the insured. Applies within the own-damage optional cover.

[102] Partial loss: Optional ↩

Partial losses under the own-damage cover are indemnified at 100% of the repair cost (except where the claim relates solely to theft or fire, which cover total loss only). A percentage deductible with a fixed minimum amount is deducted from the total payable. Only manufacturer standard-fit equipment is covered; non-standard accessories are excluded. Tyre repair/replacement is excluded (available as a separate optional cover).

[103] Theft & robbery: Optional ↩

Covers indemnification for the complete, illegitimate theft of the motorcycle by third parties where there are signs of force on the vehicle or violence/intimidation against persons. Insurer has 30 days to investigate; if the vehicle is recovered within 30 days the insured must accept its return (after repair at insurer's cost); if recovered after 30 days the vehicle becomes insurer property. Separate fire cover (II.2.2) indemnifies total loss caused by fire, explosion or lightning. Both covers are optional and must be expressly contracted. The following are excluded: vandalistic acts, partial theft of parts, keys left in vehicle, negligence of the insured.

[104] Glass damage: Excluded ↩

The motorcycle policy does not include a windscreen or glass damage cover.

[105] Natural perils: Excluded ↩

The motorcycle policy does not include a standalone natural perils cover for own-vehicle damage (e.g. hail, flood, storm). Extraordinary events (earthquakes, floods, etc.) are covered by the Consorcio de Compensación de Seguros under the statutory extraordinary-risk scheme, not by Línea Directa directly. Animal-impact damage (II.2.3A) is a separate optional cover within own-damage, not a natural perils cover.

[106] Vandalism: Excluded ↩

Vandalistic acts are explicitly excluded from both the total theft cover (Art. 27) and the total fire cover (Art. 30) of the motorcycle policy. Vandalism is not covered under any other section of the general or supplementary conditions.

[107] Roadside assistance: Optional ↩

Two optional tiers available. (1) Urban Assistance (Urbana): emergency repair at breakdown point (max 30 min), towing to the workshop of the insured's choice within 10 km of the breakdown (or the nearest one if none is within that radius), within a 20 km radius of the declared home address; rescue up to €300; assistance to persons (transfer to home/destination) within 5–20 km radius of home. (2) Total Assistance (Total): covers all of Spain, Europe and Carta Verde countries from km 0; emergency repair (max 30 min), towing to chosen workshop in Spain (or nearest specialist up to 100 km abroad); spare parts delivery; rescue up to €300; legal assistance abroad up to €1,500; bail advance abroad up to €6,020; medical expenses abroad up to €6,020; hotel accommodation up to 4 nights; repatriation/transfer services; advance of funds abroad up to €1,600. Both tiers are optional and must be expressly contracted. Requested via 24h assistance line (900 123 023 from Spain; 00 34 91 807 49 54 from abroad).

[108] Replacement vehicle: Optional ↩

Optional add-on to Total Assistance cover (must be expressly contracted). Provides a replacement motorcycle of maximum 250cc when the insured motorcycle is immobilised. Available once per coverage period. Causes and durations: (a) any claim causing immobilisation requiring more than 24h repair time — replacement for up to 7 days once the repair budget is approved; (b) total loss — replacement for up to 15 days; (c) theft — replacement for up to 15 days, commencing 24h after filing the police report. Breakdowns are expressly excluded. Subject to availability of rental companies and their terms. Driver must meet age and licence requirements for the substitute vehicle.

[109] Driver accident: Optional ↩

Optional cover (II.3) indemnifying the declared insured conductor and/or the tomador for death and permanent disability as a consequence of a traffic accident while travelling, boarding or alighting from the motorcycle, or carrying out roadside repairs. Capital limits are set in the Particular Conditions. A single accident cannot give rise simultaneously to both death and permanent disability indemnities; any permanent disability payments are deducted from the death capital. Subjective sequelae and aesthetic impairment are excluded. Medical assistance costs (including rehabilitation transport, cosmetic surgery, prostheses within 12 months of the accident) are reimbursed up to limits in the Particular Conditions, upon submission of invoices. Disability is assessed according to the schedule in Art. 38 (e.g. complete paraplegia/tetraplegia/hemiplegia = 100%; arm or hand = 55%; total deafness both ears = 50%).

[110] Own damage: Covered ↩

Covers damage to the insured vehicle resulting from a traffic accident caused by an external, violent, sudden and involuntary event, whether the vehicle is in circulation, at rest or during transport. For the first year after first registration, indemnification is at new vehicle value; from the second year onwards at market value without depreciation of parts. In partial loss, indemnification is based on cost of materials and labour.

Se cubren los daños que pueda sufrir el vehículo asegurado como consecuencia de un accidente de circulación, por causa exterior, violenta, súbita y ajena a la voluntad del asegurado o del conductor; hallándose el vehículo en circulación, en reposo o durante su transporte.

[111] Total loss: Covered ↩

Total loss is declared when the estimated repair cost exceeds the vehicle value. During the first year after first registration, indemnification is at new vehicle value (100%); from the second year onwards at market value immediately before the loss. The insured may opt for cash indemnification or replacement with a vehicle of equivalent characteristics. In theft total-loss cases, indemnification is at market value.

Se considerará que existe la pérdida total del vehículo siniestrado cuando el importe estimado de su reparación exceda del valor que corresponda de acuerdo con los apartados a) o a) bis del párrafo siguiente.

[112] Partial loss: Covered ↩

Where the vehicle is not a total loss, indemnification is based on the cost of replacement parts and repair labour. Urgent on-site repairs up to EUR 160 may be carried out by the insured directly, subject to documentation. A deductible (franquicia) may apply per the Particular Conditions; the deductible is not applied for fire/explosion events.

En caso de producirse daños garantizados por esta cobertura que afecten a los elementos necesarios para la normal circulación del vehículo y que precisen su urgente reparación, el asegurado podrá realizarla por un importe no superior a 160 euros, cuyo pago deberá justificar debidamente.

[113] Theft & robbery: Covered ↩

Optional coverage (included as standard in the Todo Riesgo variant per official product pages) covering: (a) theft of the complete vehicle; (b) theft of parts indemnified at repair/replacement cost; (c) damage caused to the vehicle during the period it is in the possession of third parties following theft. Insurer is not liable where gross negligence by the insured facilitated the theft, or theft committed by cohabiting family members or employees. If the vehicle is recovered within 30 days the insured must accept it.

Además de en caso de accidente, tendrás cobertura ante robos, incendios y rotura de lunas.

[114] Glass damage: Covered ↩

Optional coverage (included in Todo Riesgo per official product pages) covering repair or indemnification for breakage of the front and rear windscreens, door glasses and other lateral glasses when caused by an external, violent, sudden and involuntary event. Excludes scratches from use, surface marks not constituting breakage, and other glass surfaces (mirrors, optics, roof panels). Deductible or limits per Particular Conditions.

Además de en caso de accidente, tendrás cobertura ante robos, incendios y rotura de lunas.

[115] Natural perils: Optional ↩

Extraordinary natural events (earthquakes, floods, volcanic eruptions, atypical cyclonic storms, meteorite falls, etc.) are covered by the Consorcio de Compensación de Seguros under the statutory extraordinary-risk scheme, applicable when the Daños e Incendio coverage is contracted.

Se entiende por acontecimientos extraordinarios: a) Los siguientes fenómenos de la naturaleza: terremotos y maremotos, inundaciones extraordinarias (incluyendo los embates de mar), erupciones volcánicas, tempestad ciclónica atípica (incluyendo los vientos extraordinarios de rachas superiores a 135 km/h, y los tornados) y caídas de meteoritos.

[116] Vandalism: Covered ↩

Isolated acts of vandalism (intentional deterioration of a parked vehicle) are covered under own-damage (daños propios) within the Todo Riesgo product, as confirmed by official product pages. This is included as part of the own-damage cover and subject to any applicable deductible.

[117] Roadside assistance: Unlimited ↩

24/7 roadside assistance included from kilometre zero (km 0) with no limit on callouts per year, covering towing to nearest suitable garage, mechanical assistance on-site, wheel change, key retrieval, fuel delivery, and transport of insured persons. Coverage applies in Spain, Andorra, and can be extended to all European countries and Mediterranean-rim states.

La asistencia en viaje de Mapfre te cubre desde el km 0 tanto dentro como fuera de España . Garantiza tanto el remolque del vehículo, como el traslado de los ocupantes en caso de cualquiera de incidente.

[118] Replacement vehicle: Optional ↩

Optional add-on providing a rental vehicle while the insured vehicle is being repaired or recovered after an accident or theft; duration per the Particular Conditions.

Sí, el seguro a Todo Riesgo de Mapfre ofrece la opción de incluir el vehículo de sustitución para garantizar tu movilidad en caso de accidente o robo, permitiéndote disponer de un coche de alquiler mientras el tuyo es reparado o recuperado.

[119] Driver accident: Optional ↩

Optional coverage (included as standard in the Todo Riesgo product per official pages) covering bodily injury to the authorised and legally-licensed driver: death benefit, permanent disability (scaled by barème from 5% to 100% of the insured capital), medical/healthcare expenses up to the sum stated in Particular Conditions for 365 days from accident, plus complementary benefits for vehicle adaptation (EUR 2,000) and home adaptation (EUR 15,000) in severe disability cases.

Se cubre el pago de las indemnizaciones estipuladas para cada una de las siguientes Garantías en las Condiciones Generales y Particulares de la póliza, por los daños corporales sufridos por el conductor autorizado y legalmente habilitado, como consecuencia de un accidente de circulación conduciendo el vehículo asegurado, que originen su fallecimiento, invalidez permanente, o gastos de asistencia sanitaria.

[120] Own damage: Covered ↩

Covers all damage suffered by the insured vehicle as a consequence of traffic accidents or malicious acts by third parties, whether the vehicle is stationary or in motion. Available in the Todo Riesgo modalidad (with or without deductible). During the first two years the vehicle is indemnified at 100% of its new value; from the third year onwards at 130% of market value (valor venal). No monetary cap is published in official sources.

TODO RIESGO : Quedan incluidas todas las coberturas indicadas en la modalidad anterior y además, están cubiertos todos aquellos daños que pueda sufrir el vehículo asegurado como consecuencia de accidentes de la circulación o hechos malintencionados de terceros, ya esté el vehículo en reposo o en marcha.

[121] Total loss: 130% of insured sum ↩

In the event of total loss, MGS indemnifies at 100% of the vehicle's new value during the first two years and at 130% of market value (valor venal) from the third year onwards. This benefit applies within the Todo Riesgo modalidad.

En caso de pérdida total del vehículo, indemnizamos a nuestros clientes por el 100% del valor del vehículo durante los 2 primeros años, y a partir del tercer año, el 130% del valor venal.

[122] Partial loss: Covered ↩

Partial damage to the insured vehicle is covered under the own-damage guarantee of the Todo Riesgo modalidad. Where a deductible is selected, the insured pays the deductible amount and MGS covers the remainder. No specific monetary sublimit is published for partial loss.

[123] Theft & robbery: Covered ↩

Covers total theft of the insured vehicle and, subject to policy conditions, damage caused by theft or attempted theft. Available from the Terceros + Lunas + Robo + Incendio modalidad upwards, and is fully included in Todo Riesgo. Non-standard accessories not declared at policy inception are excluded. The theft must be reported to the competent authorities.

TERCEROS + LUNAS + ROBO + INCENDIO : Además de todo lo anterior incorpora la cobertura de los daños que pueda sufrir el vehículo como consecuencia de incendio y robo.

[124] Glass damage: Covered ↩

Covers breakage of windscreen, rear window and side windows with repair or replacement through the agreed glass repair network. Included from the Terceros + Lunas modalidad upwards, and fully included in Todo Riesgo. No monetary cap is published for this coverage.

TERCEROS + LUNAS : Incluye las mismas modalidades que la modalidad de terceros más la cobertura de rotura de cristales.

[125] Vandalism: Covered ↩

The Todo Riesgo modalidad explicitly covers damage resulting from malicious acts by third parties (hechos malintencionados de terceros), whether the vehicle is stationary or in motion. This perils category is intrinsic to the Todo Riesgo definition. Non-standard undeclared accessories are excluded.

están cubiertos todos aquellos daños que pueda sufrir el vehículo asegurado como consecuencia de accidentes de la circulación o hechos malintencionados de terceros, ya esté el vehículo en reposo o en marcha.

[126] Roadside assistance: Optional ↩

Optional guarantee available in multiple levels: Asistencia en viaje (Responde) covers tyre puncture repair, fuel supply, battery recharge (including EV recharge or tow to charge point), and towing to the nearest or chosen garage 24 hours a day. Asistencia en viaje Class adds a replacement vehicle. Passengers are transported to their destination provided the cost does not exceed the cost of transport back to the departure point. Available as an add-on to all modalidades including Todo Riesgo. Phone: 917 572 404 (Spain) / +34 913 939 030 (abroad).

Garantizamos a nuestros clientes durante las 24 horas del día la asistencia personal ante cualquier problema que les pueda surgir en sus desplazamientos o viajes: reparación de pinchazos, suministro de gasolina o recarga de batería para vehículos eléctricos o híbridos enchufables, asistencia técnica en carretera, remolque del vehículo hasta el taller más cercano o el que sea de su elección, ...

[127] Replacement vehicle: Optional ↩

A free replacement rental vehicle is provided to policyholders subscribed to Asistencia en viaje Class in the event of a long-repair accident or theft. For electric/plug-in hybrid vehicle holders, a substitute vehicle with an equivalent environmental label is provided subject to availability. This is not included in the base Todo Riesgo policy; it requires the Class level of roadside assistance.

Nuestros clientes de Asitur Class dispondrán de un vehículo de alquiler gratuito en caso de accidente de larga reparación o robo del vehículo asegurado.

[128] Driver accident: Optional ↩

Optional guarantee covering death and permanent disability of the driver (and occupants when Personal Pack is contracted). MGS automatically doubles the death indemnification when both spouses die in the same accident and minor children survive. The Personal Pack extends death and permanent disability coverage to the policyholder, owner, habitual driver and additional persons. Exact capital amounts are not published in official web sources.

Ampliamos automáticamente al doble la indemnización, por fallecimiento si en un accidente se produce el fallecimiento de ambos cónyuges y la supervivencia de hijos menores.

[129] Own damage: Covered ↩

Covers physical damage to the insured vehicle resulting from a traffic accident, regardless of fault, within the limits set in the Particular Conditions. Available with or without deductible (franquicia). Excludes damage caused by transported objects, seismic/thermal/atmospheric phenomena (unless atmospheric-damage cover is added), vandalism affecting only tyres, post-accident depreciation, undeclared accessories, driving on unsuitable surfaces, and mechanical failures triggered by continued use after an accident.

Daños propios con o sin franquicia.

[130] Total loss: 100% of insured sum ↩

Total loss is declared when the estimated repair cost exceeds 100% of the new, acquisition or market value. Valuation method: (a) if loss occurs within 2 years of first registration and insured is first owner: 100% new value; if second or later owner: acquisition value; (b) after 2 years from first registration: market value (valor venal) at the time of loss; (c) for daños propios, fire or theft, market-value indemnification is increased by 15%. Vehicle remains with the insured and its salvage value is deducted from the indemnification. After total-loss payment, the contract is rescinded except that mandatory RC remains until end of the current coverage period if the insured repairs the vehicle at their own cost.

El Asegurador considerará que existe siniestro o pérdida total cuando el importe estimado de la reparación del vehículo siniestrado exceda del 100% de los valores de nuevo, adquisición o venal.

[131] Partial loss: Covered ↩

Partial damage to the insured vehicle is covered as part of the daños propios guarantee. The insurer pays for repair at designated workshops or indemnifies based on the workshop valuation. A deductible (franquicia) applies when the 'con franquicia' sub-variant is selected. The insured must provide the repair invoice as a prerequisite for payment.

[132] Theft & robbery: Covered ↩

Covers theft and attempted theft of the insured vehicle. In case of total loss by theft, indemnification is based on market value (valor venal) plus 15% uplift. Accessories are only covered if expressly declared in the Particular Conditions. Exclusions include: theft due to gross negligence by the insured/policyholder/driver or co-habitants; theft by family members up to third degree of consanguinity or employees; theft during extraordinary-risk events; loss of keys/remote controls; vandalism damage; and accessories not declared in the policy.

a) La sustracción que tenga su origen en negligencia grave del Asegurado, del Tomador, del conductor o de las personas que dependan o convivan con ellos.

[133] Glass damage: Covered ↩

Covers repair or replacement of the insured vehicle's glass windscreens (basic lunas). Exclusions: headlights, taillights, lamps, interior/exterior mirrors, glass roofs, sunroofs or other glass objects; non-glass materials; breakage occurring during repair work; undeclared accessories; and glass installed in canvas roofs or folding tops where replacement also requires changing the roof/hood.

a) La rotura de faros, pilotos, lámparas, espejos interiores o exteriores, techo de cristal, techo solar, o cualquier otro tipo de objetos de cristal del vehículo asegurado.

[134] Natural perils: Optional ↩

Optional cover for vehicle damage caused by non-extraordinary atmospheric phenomena (e.g. hail, storms, flooding). Must be expressly contracted in the Particular Conditions. Exclusions: damage to convertibles without the roof up; damage from leaving doors/windows/sunroofs open; and damage from extraordinary atmospheric events covered by the Consorcio de Compensación de Seguros.

a) Daños causados a vehículos descapotables por no tener puesta la capota.

[135] Vandalism: Covered ↩

Vandalism damage to the insured vehicle is covered under the own-damage (daños propios) guarantee, except for vandalism affecting only tyres (covers and inner tubes), which is excluded. Vandalism damage is separately excluded under the theft/robbery guarantee.

c) Los daños producidos por actos vandálicos que afecten exclusivamente a neumáticos (cubiertas y cámaras).

[136] Roadside assistance: Optional ↩

Optional roadside and travel assistance available in three tiers: Oro, Oro+, and Platino. Coverage extends to Europe and Mediterranean-bordering countries and, for personal risks, worldwide. The 24/7 assistance helpline (900 60 00 60) must be contacted before assistance is arranged; reimbursements for services not arranged by the insurer are not covered. Exclusions include: pre-existing illnesses; alcohol/drug-related incidents; dental/psychological treatments; repair costs (except in-situ repairs); spare-part costs; and dismantling charges.

Asistencia en viaje Oro. Asistencia en viaje Oro +. Asistencia en viaje Platino (incluye vehículo de sustitución).

[137] Replacement vehicle: Optional ↩

A replacement vehicle is provided as part of the optional 'Asistencia en viaje Platino' tier. It covers accident, theft, and breakdown scenarios. Not included in the Oro or Oro+ tiers. Must be contracted separately as an optional add-on.

Asistencia en viaje Platino (incluye vehículo de sustitución).

[138] Driver accident: €37,563 ↩

Optional cover for the vehicle driver in case of accident while driving, boarding or alighting. Three capital tiers available: Mod. OM (22,537 EUR), Mod. ON (30,050 EUR), Mod. OO (37,563 EUR) – for death or permanent disability. Also covers medical assistance. Applies worldwide except unexplored regions. Exclusions include: illness, X-ray injuries, cardiac/cerebral events not caused by an accident, intentional self-harm, reckless conduct (judicially declared), suicide, food poisoning, surgical treatments unrelated to a covered accident, driving without a valid licence, consequences manifesting more than 365 days after the accident (unless causal link is proven by the beneficiary).

[139] Own damage: Unlimited ↩

Covers damage to the insured vehicle caused by accident, fire, or explosion, including standard accessories and optional accessories declared in the policy, even when the insured is at fault. Vandalism and collisions with unidentified vehicles (when mechanical damage is present) are also covered. Subject to the agreed deductible (franquicia), if applicable.

[140] Total loss: Covered ↩

When the cost of repair exceeds the vehicle's market value (valor venal), the insurer declares total loss. Indemnification is at the original purchase price (valor a nuevo) if the loss occurs within the first year from registration (standard product); at market value (valor venal) for vehicles older than one year. The vehicle wreck remains the property of the insured after deducting its residual value.

Hay pérdida total cuando el importe de la reparación del vehículo supere su valor venal. Se indemnizará con el valor de nuevo si el siniestro se produce dentro del periodo establecido en las Condiciones particulares y transcurrido este, se indemnizará con el valor venal.

[141] Partial loss: Unlimited ↩

Covers the cost of repair parts and labour for partial damage to the insured vehicle. Repairs are valued at the cost of materials and labour. For parts showing evident wear or with a service life shorter than the vehicle, valuation is at market (venal) value. Repairs must be carried out at an authorised Mutua Madrileña workshop. Subject to the deductible (franquicia) if contracted.

Las reparaciones se valorarán con arreglo al coste de los materiales y de la mano de obra. En caso de que las piezas a sustituir presentaran desgaste o deterioro manifiesto o tengan establecida una vida útil inferior a la del vehículo, se tasarán de acuerdo con su valor venal.

[142] Theft & robbery: Unlimited ↩

Covers total theft of the vehicle (indemnified at purchase value in year 1, at market value thereafter), theft of fixed factory-fitted parts and declared accessories, damage caused during an attempted theft, and material damage to the vehicle while stolen. If the vehicle is not recovered within 30 days, the insurer pays the indemnification. Tyre and battery theft is excluded in case of partial loss (indemnified at 80% of venal value); covered in total loss. Subject to the deductible (franquicia) if contracted.

[143] Glass damage: Unlimited ↩

Covers repair or replacement of damaged vehicle glass, including the windscreen, rear window and side windows. Coverage extends to the panoramic roof where fitted. Included in both Todo Riesgo (with and without deductible) variants.

[144] Natural perils: Covered ↩

Damage from ordinary atmospheric events (hail, rain, non-extraordinary wind, snow) is covered under the own-damage (daños propios) guarantee of the Todo Riesgo policy. Extraordinary natural catastrophes (extraordinary floods, cyclonic storms with gusts above 120 km/h, earthquakes, etc.) are handled by the Consorcio de Compensación de Seguros (CCS), not directly by Mutua Madrileña, as mandated by Spanish law.

Los siguientes fenómenos de la naturaleza: terremotos y maremotos; inundaciones extraordinarias, incluidas las producidas por embates de mar; erupciones volcánicas; tempestad ciclónica atípica (incluyendo los vientos extraordinarios de rachas superiores a 120 km/h y los tornados); y caídas de cuerpos siderales y aerolitos.

[145] Vandalism: Unlimited ↩

Covers damage to the insured vehicle caused by vandalism or malicious acts by third parties, subject to the conditions specified in the policy. Covered under the own-damage (daños propios) clause of the Todo Riesgo policy, subject to the deductible (franquicia) if applicable.

[146] Roadside assistance: Unlimited ↩

Mutua Madrileña guarantees roadside assistance within 1 hour for any incident (breakdown, flat tyre, fuel shortage, lost keys, accident, battery discharge) anywhere on Spain's ordinary road network, from km 0. If assistance takes longer than 1 hour, the insured receives €100 compensation. Coverage extends across the European Economic Area and countries adhering to the Multilateral Guarantee Convention. Maximum of 7 mechanical assistance events per policy year.

[147] Replacement vehicle: Optional ↩

Available as an optional add-on for the standard Todo Riesgo product. Provides a compact 4-or-5-seat saloon car with unlimited mileage. Coverage periods: up to 10 days for an immobilising accident, up to 3 days for an immobilising breakdown, up to 30 days in case of theft (available 72 hours after the theft is reported). If a replacement vehicle cannot be provided, a daily cash indemnification is paid instead.

[148] Driver accident: Covered ↩

Covers the driver and insured occupants of the vehicle for death, permanent invalidity, and medical/hospital/pharmaceutical/transport expenses arising from a road accident. Coverage limits are set in the Particular Conditions. Cosmetic injuries and invalidity assessments of 5 points or less are excluded.

[149] Own damage: Covered ↩

Covers damage to the insured vehicle caused by accidents, collisions, impacts, or vandalism where the policyholder is at fault. Includes tyre damage when other vehicle damage exists, ITV costs resulting from a claim, and interior cleaning costs after transporting injured persons. The exact indemnifiable amount is determined per claim based on the vehicle's insurable value. Available in both con franquicia (with deductible) and sin franquicia (without deductible) modalities.

[150] Total loss: Covered ↩

Total loss is declared when the estimated cost of repair exceeds 80% of the indemnifiable value of the vehicle. In such cases, the insurer pays the indemnifiable value of the vehicle. A 'valor a nuevo' (new-value) guarantee applies for 2 years following total loss or theft, meaning the vehicle is covered at its new replacement value during that period.

El Asegurador considerará que existe pérdida total del vehículo asegurado, cuando el importe presupuestado de la reparación exceda del 80% del valor indemnizable en cada caso.

[151] Partial loss: Covered ↩

Partial damage to the insured vehicle (where repair cost does not exceed 80% of the indemnifiable value) is covered under the own-damage guarantee. The policyholder bears the deductible amount (franquicia) per claim under the con-franquicia modality; no deductible applies under the sin-franquicia modality.

[152] Theft & robbery: Covered ↩

Covers total theft or robbery of the vehicle, damage caused by attempted theft, and removal of the vehicle. Also covers hurto (theft without violence) and expoliación. A 'valor a nuevo' guarantee applies for 2 years from policy inception in the event of total theft. Optional extensions include accessories up to EUR 1,500 without prior declaration and luggage/personal effects.

[153] Glass damage: Covered ↩

Covers breakage or damage to the vehicle's glass, including windscreen, side windows, rear window, sunroof, rain sensors, and methacrylate components. Glass coverage is included across all Occident car insurance tiers, including the basic terceros level. An optional extension covers tinted glass.

[154] Natural perils: Covered ↩

Covers damage to the insured vehicle resulting from natural or weather phenomena including hail, snow, rain, flooding, and wind. Damage caused by collision with game animals (animales cinegéticos) is also covered. Note: damage covered by the Consorcio de Compensación de Seguros (e.g. extraordinary floods) is explicitly excluded, as the CCS acts as the primary insurer for those events.

Daños por colisión con animales cinegéticos Daños por fenómenos atmosféricos

[155] Vandalism: Covered ↩

Vandalism is covered as part of the own-damage (daños propios) guarantee, which explicitly covers damage resulting from accidents, impacts, or vandalism. This coverage applies in both todo riesgo modalities (con and sin franquicia).

[156] Roadside assistance: Covered ↩

24-hour roadside assistance available from km 0, including from the policyholder's home. Covers vehicle breakdown, towing (up to 150 km), wheel replacement, battery jump-start, fuel delivery, lockout assistance, rescue, and transport/repatriation of vehicle occupants in case of accident or illness abroad. Using this service does not affect next year's premium. Available 365 days a year via the 917 83 83 83 helpline.

[157] Replacement vehicle: Optional ↩

A replacement vehicle is provided while the insured vehicle is being repaired or has been declared a total loss. This coverage is available as an optional add-on (with additional premium) in the todo riesgo con franquicia modality; it is included as standard in the todo riesgo sin franquicia modality. Duration ranges from 7 to 30 days depending on the option selected. Customers using the AutoPresto repair network benefit from a courtesy vehicle free of charge during repairs.

[158] Driver accident: Covered ↩

Covers the insured driver in the event of a traffic accident, including death benefit, permanent disability, and healthcare assistance. Passenger/occupant accident cover (Accidentes de los Ocupantes) is available as an additional coverage. Funeral expenses (Gastos de Sepelio) and psychological assistance (Asistencia Psicológica) are also available.

Accidentes del Conductor Accidentes de los Ocupantes Gastos de Sepelio Asistencia Sanitaria Asistencia Psicológica

[159] Own damage: 110% of insured sum ↩

Covers damage to all standard vehicle components caused by: traffic accident (regardless of fault), impact of objects, vehicle falling and ground or construction collapse, malicious acts by third parties and vandalism, and transport of the vehicle by other means. In case of total loss in the first two years from first registration, pays 110% of the new value (or acquisition value for second/subsequent owners); after two years, pays 110% of the GANVAM market value. Partial repairs are covered at 100% of repair cost for all standard components including tyres, up to the total loss limit. Optional deductible (franquicia) available: with deductible, the insured bears the agreed amount per accident; without deductible, Pelayo covers the full cost. Deductible does not apply when the sole damage is broken glass (lunas). Repair must be carried out at Pelayo's guaranteed workshop network unless the libre elección de taller guarantee is contracted.

[160] Total loss: 110% of insured sum ↩

Total loss is declared when the budgeted repair cost exceeds 100% of the new value or GANVAM value depending on vehicle age. In the first two years from first registration (first owner): 110% of the vehicle's new value is paid. For second or subsequent owners, 110% of the acquisition value. After two years: 110% of the GANVAM market value. This 'Happy End 110' benefit applies to the daños propios, incendio, and daños por pedrisco o granizo guarantees. A replacement vehicle with a maximum value of €210 is also provided when a total loss is declared within the first two years.

[161] Partial loss: 100% of insured sum ↩

Where the total repair cost does not exceed the total loss threshold, damage to all standard vehicle components (including tyres) is covered at 100% of the repair cost as assessed by a professional surveyor. Accesory extras declared in the particular conditions are also covered at 100% of repair cost. Repair must be carried out at Pelayo's guaranteed workshop network unless the libre elección de taller guarantee is contracted. Emergency repairs under €150 may be carried out without prior survey assessment.

[162] Theft & robbery: 100% of insured sum ↩

Covers theft (robo – with force) and robbery without force (hurto). Vehicle theft without recovery: 100% of new value for first two years from first registration (first owner; second/subsequent owners: 100% of acquisition value instead of new value); 100% of GANVAM value thereafter. Damages to a recovered vehicle: 100% of repair cost (not exceeding the theft indemnity), excluding tyres which depreciate annually (100% yr 1, 80% yrs 2–3, 50% yr 4+). Standard parts stolen: 100% of new value except tyres, battery, and non-fixed mobile/multimedia/audio items which depreciate annually; EV high-voltage batteries covered at 100%. Declared accessories: covered per age-based scale (100%/80%/50%). Damage to locks, glass, and interiors to facilitate theft: 100% of cost. EV/plug-in hybrid owners: theft of or damage to their own charging station also covered up to €200. The insured must cooperate in recovery and submit a police report immediately. No cover if ITV (road-worthiness certificate) was expired more than 90 days at the time of the claim.

[163] Glass damage: 100% of insured sum ↩

Covers breakage of: front windscreen, rear windscreen, side windows, and factory-fitted sunroof (or declared as an accessory). Also covers damage caused by hailstones (pedrisco). At-home repair service for small windscreen impacts. Repair or replacement must be carried out at Pelayo's certified glazing network or guaranteed workshops, unless libre elección de taller is contracted. Deductible (franquicia) does not apply when the sole damage is broken glass.

[164] Natural perils: 110% of insured sum ↩

Covers material damage to the insured vehicle caused by hail or hailstones, subject to the guarantee being expressly stated in the particular conditions. In case of total loss in the first two years: 110% of new value (first owner) or 110% of acquisition value (subsequent owners). After two years: 110% of GANVAM value. Partial repair at 100% of cost for all standard elements including tyres. Declared accessories also covered at 100% of repair or at depreciated scale for total loss. If the hailstorm is classified as an extraordinary event, damage is covered by the Consorcio de Compensación de Seguros instead. Repair must be carried out at Pelayo's guaranteed workshop network unless libre elección de taller is contracted.

[165] Vandalism: 110% of insured sum ↩

Vandalism and malicious acts by third parties are explicitly listed as a covered peril within the daños propios (own damage) guarantee. Damage is covered at 100% of repair cost for partial losses, and at 110% of new/GANVAM value for total losses (Happy End 110). For EV/plug-in hybrid owners: vandalism to their own charging station (correctly installed) is also covered up to €200, and the deductible does not apply to this sub-coverage even if a deductible applies to the main policy.

[166] Roadside assistance: Unlimited ↩

Travel assistance coverage from km 0, available anywhere on any road suitable for circulation in Europe or Mediterranean border countries, from the insured's front door. Covers emergency repairs (for breakdowns or accidents) including wipers, lights, indicators, flat battery, tyre change for puncture, fuel error, lost or broken keys. Also covers in-situ recharging for fully discharged EV batteries where available. Towing and vehicle transfer: Verde tier – to workshop of insured's choice within 150km radius; Verde Plus+, Azul, and Azul Plus+ tiers – to any workshop chosen by insured (unlimited distance within Spain; in foreign breakdown, to Spanish workshop of choice). Recovery even when vehicle has fallen to a difficult-access location. Cover limit for towing: 110% of new value (first 2 years) / second-hand GANVAM value thereafter. Four tiers available: Verde, Verde Plus+, Azul, and Azul Plus+. Pelayo commits under Cláusula 1:24:72 to send a tow truck within 1 hour of request (in national territory); if this commitment is breached, €100 is deducted from the following year's premium.

[167] Replacement vehicle: Conditional ↩

A replacement vehicle with unlimited mileage and mandatory insurance is provided in the following situations, depending on the assistance tier contracted: (1) Azul and Azul Plus+ tiers: replacement vehicle for accident or theft – 3 days for repairs under 8 hours; 7 days for repairs of 8+ hours; 17 days in case of total loss/traffic deregistration; 30 days for theft (starting 24h after police report). Vehicle category up to Group C; eco/zero-emission vehicle when insured vehicle has same characteristics, subject to availability. (2) Azul Plus+ tier only: replacement vehicle for breakdown exceeding 4 hours – 3 days for 4–8h repairs; 5 days for 8–16h repairs; 7 days for 16–24h repairs. Maximum annual cover: 10 days per policy year. Does not include fuel. (3) All tiers: if breakdown/accident/theft occurs more than 25km from home (10km in Canary Islands and Balearics) and repair is not possible on the same day, all tiers provide a 2-day replacement vehicle or hotel accommodation (3 nights, max 3-star; 4 nights for Verde Plus+, Azul, and Azul Plus+). (4) Upon total loss of the insured vehicle in the first two years from first registration: replacement vehicle up to €210. Must be requested via telephone 91 520 05 00.

[168] Driver accident: Optional ↩

Covers the driver (and optionally other vehicle occupants) involved in a road traffic accident with the insured vehicle. Capital amounts are set in the particular conditions. Covers: death (capital stated in particular conditions; double capital for married couple / de facto partners with common children dying in same accident); total permanent disability (capital in particular conditions; double for total dependency); partial permanent disability (percentage of total disability capital per functional impairment scale: 60% / 30% / 10%); temporary disability daily benefit (for insured aged 16–70 in medical sick leave). Medical assistance covered for 365 days after accident up to the limit in particular conditions, including: medical/surgical care, hospitalisation, ambulance, pharmacy, physiotherapy, rescue expenses, prosthetics, dental and corrective lens replacement (up to 10% of total disability capital). Home adaptation costs up to €10,000; vehicle adaptation costs up to €3,000 in case of total permanent disability. Funeral service or up to €3,000 in expenses upon accidental death of driver or occupants. Post-accident psycho-emotional assistance (for serious accidents with fatalities/major disability): up to 10 sessions, limit €1,500.

[169] Own damage: Covered ↩

Covers damage to the insured vehicle caused by an accident (collision, rollover, fall, vandalism by third parties, lightning, hailstorm, ground subsidence). Full repair cost is covered if: (a) for vehicles under 2 years old, repair cost is below 75% of new value; (b) for vehicles aged 2 years or more, repair cost does not exceed venal value. In the event of total loss, indemnification is at new value for vehicles up to 2 years old, and at venal value improved by 30% for vehicles over 2 years old (up to the actual acquisition cost). The coverage can be contracted with or without a deductible.

Los daños causados al vehículo como consecuencia de un accidente producido por una causa externa, instantánea, violenta y ajena a la voluntad del asegurado o del conductor, hallándose el vehículo en circulación, estacionado o durante su transporte.

[170] Total loss: Covered ↩

Total loss is declared when the repair cost exceeds 75% of new value for vehicles under 2 years old, or exceeds the venal value for vehicles aged 2 years or more. Indemnification is at new value for vehicles up to 2 years old (not exceeding the actual acquisition cost), and at venal value improved by 30% for vehicles over 2 years old (not exceeding actual acquisition cost). The insured may retain the salvage (deducted from the indemnification) or hand it to the insurer.

Valor venal mejorado: Para vehículos con antigüedad superior a los 2 años desde la fecha de primera matriculación mejora del 30%. En ambos casos, no se indemnizará valor superior al coste real de adquisición por el propietario del vehículo.

[171] Partial loss: Covered ↩

Partial damage is covered at full repair cost provided the repair amount is below the applicable threshold (75% of new value for vehicles under 2 years old, or venal value for vehicles aged 2 years or more). Factory-installed original brand accessories are covered without limit. Original brand audio, navigation, telephony and video systems are covered up to the limit stated in the particular conditions. Tyres are covered at new value when damaged in an accident involving another vehicle and when other parts of the insured vehicle are also damaged; at venal value when no identified vehicle collision is involved but another fixed part is also affected.

El coste total de la reparación de los daños si el importe de la reparación es inferior al 75% del valor de nuevo en vehículos con antigüedad comprendida hasta los 2 años desde la fecha de primera matriculación.

[172] Theft & robbery: Covered ↩

Covers total or partial theft and robbery of the vehicle, including attempts. For total vehicle theft, indemnification is at new value for vehicles under 2 years old, and at venal value improved by 30% for vehicles aged 2 to 4 years, or at venal value for vehicles over 4 years (all not exceeding actual acquisition cost). Partial damage during theft or attempt is also covered. The insured must file a police report and cooperate for recovery. If the vehicle is recovered within 40 days the insured must accept return with repair at insurer's expense; if recovered after 40 days, it passes to the insurer unless the insured reimburses the indemnification within 15 days. Theft by family members (up to 3rd degree) or financially dependent persons is excluded. Theft of keys only is excluded.

La sustracción ilegítima del vehículo asegurado por parte de terceros o su tentativa, tanto por robo como por hurto y hurto de uso, conforme a la legislación vigente.

[173] Glass damage: Covered ↩

Covers total or partial damage to the vehicle's glass caused by an external, instantaneous and violent cause beyond the will of the policyholder, including ordinary weather phenomena. Covers replacement, fitting or repair of: front windscreen, side windows, rear windscreen, and factory-fitted sunroof. Headlights, taillights, indicators, mirrors, or non-factory glass elements are excluded. Scratches or impact marks that do not constitute partial or total breakage and do not impede normal visibility are excluded. Coverage may be contracted with or without a deductible.

Daño total o parcial causado a las lunas del vehículo por causa externa, instantánea, violenta ajena a la voluntad del tomador, asegurado, propietario o conductor del vehículo, incluso motivado por fenómenos meteorológicos ordinarios.

[174] Natural perils: Covered ↩

Fire (combustion and burning with flame of internal or external origin, explosion, lightning) is covered as a standalone guarantee (Section 1.2.5). Lightning and hailstorm are also covered within daños propios (own damage) as explicitly included perils. Extraordinary risks (earthquakes, floods, etc.) are handled by the Consorcio de Compensación de Seguros. For fire total loss: new value for vehicles under 2 years old, and venal value improved by 30% for vehicles aged 2 years or more.

Combustión y abrasamiento con llama de origen interno o externo, así como explosión y caída de rayo.

[175] Vandalism: Covered ↩

Malicious acts by third parties (hechos malintencionados de terceros) are explicitly listed as a covered peril within the daños propios (own damage) guarantee. Damage caused intentionally by the policyholder, insured or driver is excluded.

Hechos malintencionados de terceros.

[176] Roadside assistance: Covered ↩

24/7 roadside assistance is included by default in all Qualitas Auto policies. Covers towing of the vehicle to the nearest workshop within the province or within a radius up to 100 km. The insurer guarantees towing within 45 minutes; if this commitment is not met, the insured receives €100 compensation. Travel assistance coverage extends to Spain, Andorra and abroad. The coverage can optionally be removed by the policyholder.

Esta cobertura está incluida por defecto en todos los seguros de coche de Qualitas Auto. Creemos que es imprescindible garantizar asistencia en carretera, ¡y con muchos beneficios! Como tu grúa en menos de 45 minutos, o te damos 100€.

[177] Replacement vehicle: Optional ↩

Optional coverage available in two variants: (1) Robo + Accidente (4 hours labour): a Category C replacement vehicle or reimbursement of up to €30/day (€60/day for disabled policyholders) is provided when the vehicle is immobilised in Spain due to accident or theft, provided the repair work exceeds 4 labour hours. Days of entitlement scale from 3 days (4–8 hrs) to 10 days (>20 hrs or total loss / theft). Maximum 2 claims per annual policy period. (2) Avería + Robo + Accidente: same conditions plus cover for breakdown immobilisation, with a 7-day waiting period for breakdown cases from the coverage start date.

En los supuestos de paralización del vehículo asegurado por causa de accidente ocurrido en España, el Asegurador garantiza: A) Poner a disposición del asegurado un vehículo de sustitución de categoría "C".

[178] Driver accident: Covered ↩

Covers the driver of the insured vehicle for bodily injuries resulting from a traffic accident. Guarantees include: death, total permanent disability (100% of capital), partial permanent disability (proportional to SS scale, min 5%), medical and surgical assistance, ambulance transfer, pharmacy and hospital admission. A capital advance is provided upon death of the driver. Double capital is payable if both parents die in the same accident with minor children. An optional extended version with higher capitals is available. Drivers under 25 years declared in the policy are also covered. Drivers who cause accidents while intoxicated or committing intentional acts are excluded.

El Asegurador garantiza, dentro de los límites cualitativos y cuantitativos contenidos en las condiciones particulares del presente contrato, la indemnización de los daños sufridos por el conductor asegurado siempre que sean a consecuencia de un accidente producido durante la circulación.

[179] Own damage: Conditional ↩

Comprehensive own-damage coverage (accidents, hail, vandalism, fire, theft) included in the Todo Riesgo con Franquicia tier only, available exclusively to preferred clients (clientes preferentes). The insured sum is based on new value for the first 2 years, then market value plus a declining supplement in years 3–5, and market value from year 6 onwards, calculated from the date of first registration. A compulsory deductible (franchise) of 150€, 300€, or 600€ applies per claim.

[180] Total loss: Conditional ↩

Total loss is declared when the repair cost at the time of the claim exceeds the indemnifiable value of the motorcycle. Covered in the Todo Riesgo tier (available only to preferred clients). Indemnification is based on new value for the first 2 years, market value (valor venal) plus a decreasing supplement in years 3–5, and market value from year 6. The value of salvage remains with the insured and is deducted from the insured capital. The deductible does not apply to total-loss events.

[181] Partial loss: Conditional ↩

Partial damage to the motorcycle covered in the Todo Riesgo tier, available only to preferred clients. Damage is assessed at the cost of repair or replacement without exceeding the limit of indemnification. A fixed deductible (150€, 300€, or 600€ selected by the insured) applies per partial-damage claim. Damage assessment is agreed mutually within 3 working days of receiving the claim declaration, provided the repair workshop is indicated.

[182] Theft & robbery: Conditional ↩

Covers total and partial theft of the motorcycle (as defined by the Criminal Code). Included in Terceros Ampliado (Terceros + Robo) and Todo Riesgo tiers. In Todo Riesgo, theft coverage is available only to preferred clients. If the motorcycle is recovered within 30 days of the theft report, Reale covers repair of damages to the vehicle and accessories. If not recovered within 30 days, economic compensation is paid. Petty theft (hurto), theft of tyres only, theft due to gross negligence, theft by family members or employees, and unlawful appropriation (apropiación indebida) are excluded.

Robo (parcial y total).

[183] Glass damage: Excluded ↩

Glass breakage cover is not offered for motorcycles and mopeds.

[184] Natural perils: Conditional ↩

Fire (incendio) is included in all motorcycle tiers including Terceros Básico. Hail damage (pedrisco) is covered in the Todo Riesgo tier. Extraordinary natural events (floods, earthquakes, volcanic eruption, atypical cyclonic storms, meteor strikes) are handled by the Consorcio de Compensación de Seguros when the corresponding surcharges have been paid. Fire is excluded for Moto Verde and Ciclomotor under the voluntary insurance in the IPID.

Incendio, cuando el vehículo es tipo Moto Verde o Ciclomotor.

[185] Vandalism: Conditional ↩

Vandalism (actos vandálicos) to the motorcycle is covered in the Todo Riesgo tier, available only to preferred clients. A police report from the competent authority is required as a condition for coverage. The fixed deductible chosen by the insured applies.

Los daños producidos por actos vandálicos.

[186] Roadside assistance: €300 ↩

Travel and roadside assistance is an optional coverage for motorcycles, offered without a replacement vehicle ('sin vehículo de sustitución'). An 'Amplia' (extended) assistance option covers up to 300€ for towing and rescue. An urban assistance option is available for those who only ride in the city. Requests must be made to Reale before the services are provided, except in cases of force majeure. The 902 400 900 number is used to request roadside assistance services.

Asistencia en Viaje.

[187] Replacement vehicle: Excluded ↩

Replacement vehicle coverage is not available for the motorcycle product (Póliza Auto Reale 302 – 3ª Categoría). The roadside assistance for motorcycles is explicitly offered 'without a replacement vehicle' (sin vehículo de sustitución). This coverage is available for passenger cars (1ª Categoría / Reale Mi Coche) but not for motorcycles.

[188] Driver accident: €6,000 – €18,000 ↩

Optional driver accident coverage available across all motorcycle tiers. Capital selectable at 6,000€, 12,000€, or 18,000€ for death or permanent disability resulting from an accident. Also includes medical, pharmaceutical, surgical, hospital, and psycho-emotional assistance, plus coverage for damage to rider equipment (casco and clothing) up to 300€. Excluded: intentional self-harm, accidents during sporting competitions, drunk/drug driving, riding without a valid licence.

Fallecimiento (hasta 18.000€). Incapacidad Permanente (hasta 18.000€).

[189] Own damage: 110% of insured sum ↩

Covers damage to all standard series elements of the vehicle caused by traffic accident, impact of objects, hail or hailstorm, vehicle falling or terrain subsidence, malicious acts by third parties and vandalism, and vehicle transport by other means. Repair cost is covered at 100% of all series elements including tyres when the total cost does not exceed the applicable total-loss threshold. In the first two years from first registration, total-loss settlement is 110% of new value (first owner) or 110% of acquisition value (subsequent owners); thereafter 110% of GANVAM value.

Los daños producidos en todos los elementos de serie del vehículo por: • Accidente de circulación. • Impacto de objetos, pedrisco o granizo. • Caída del vehículo y hundimiento de terrenos o construcciones. • Hechos malintencionados de terceros y vandalismo. • Traslado del vehículo en otros medios de transporte.

[190] Total loss: 110% of insured sum ↩

Total loss is declared when the estimated repair cost exceeds 100% of the new value or GANVAM value depending on vehicle age. Settlement is 110% of the new value for the first two years from first registration (first owner), or 110% of acquisition value for subsequent owners; 110% of GANVAM value after two years. Applies in both the fire (incendio) and own-damage (daños propios) coverage sections.

Cuando se produzca siniestro total del vehículo en los dos primeros años desde la primera matriculación, se abonará el 110 % del valor de nuevo del vehículo si el asegurado es el primer propietario. Si el asegurado es el segundo o posterior propietario, el 110 % del valor de adquisición en vez del valor de nuevo.

[191] Partial loss: 100% of insured sum ↩

Where the total repair cost does not constitute a total loss, repair is covered at 100% for all standard series elements including tyres. Emergency repairs under 150 EUR may be approved without prior expert assessment. A deductible (franquicia) between 200 EUR and 900 EUR applies to the con-franquicia variant; no deductible applies to the sin-franquicia variant. The deductible is not applied when the only damage is glass breakage.

Siempre que el coste total de la reparación, tasada previamente por perito profesional, no supere las cantidades anteriores, se cubre la reparación al 100 % para todos los elementos de serie incluido los neumáticos.

[192] Theft & robbery: 100% of insured sum ↩

Covers both robbery (with force) and theft (without force). In the first year from first registration, the first owner is indemnified at 100% of the new value; subsequent owners receive 100% of the acquisition value. After the first year, compensation is 100% of the GANVAM value. Damage to the recovered vehicle while stolen is covered at 100% of repair cost (assessed by professional surveyor) up to the theft indemnity limit, except tyres which are depreciated by year. Damage to locks, glass and interiors caused during the robbery attempt is covered at 100%.

Sin sobrepasar la indemnización por robo o hurto, se cubre el 100 % del coste de dichos daños, tasados previamente por perito profesional, excepto los neumáticos, que se cubren según su antigüedad: 100 % en el primer año, 80 % en el segundo y tercero y 50 % a partir del cuarto año.

[193] Glass damage: Covered ↩

Covers breakage of the front windscreen, rear window, side windows, and factory-fitted or declared sunroof due to impacts, collisions or hail damage. Includes a home-visit repair service for small windscreen chip repairs. No monetary cap stated; the deductible is waived when glass damage is the sole claim.

Esta garantía sirve para cubrirse de la rotura de las lunas del vehículo en caso de: • Eventuales impactos o choques • Daños por pedrisco.

[194] Natural perils: 100% of insured sum ↩

Hailstorm and hail damage to the vehicle is covered under the own-damage (daños propios) section. Government-declared catastrophes or national calamities are excluded; those events are handled by the Consorcio de Compensación de Seguros under Spanish law.

Impacto de objetos, pedrisco o granizo.

[195] Vandalism: 100% of insured sum ↩

Malicious acts by third parties and vandalism causing damage to the vehicle are covered under the own-damage (daños propios) section of the todo-riesgo tier. Intentional damage caused by the policyholder, insured, driver or family members is explicitly excluded.

Hechos malintencionados de terceros y vandalismo.

[196] Roadside assistance: Covered ↩

Emergency towing to the nearest workshop is included in the todo-riesgo and combinado tiers. SantaLucía commits to dispatching a tow truck within one hour; if this service level is missed, the next renewal premium is waived as compensation. Extended travel assistance (occupant support, accommodation, international coverage) is available as the optional Asistencia Azul add-on.

[197] Replacement vehicle: €210 ↩

A rental vehicle is covered up to a maximum of 210 EUR when a total loss is declared on the insured vehicle during the first two years from first registration. This basic benefit is part of the own-damage (daños propios) cover. For broader replacement vehicle coverage including accident and theft scenarios beyond total loss, the optional Asistencia Azul add-on (CSI - Coche de Sustitución Inmediata) must be contracted separately.

Si se declara siniestro total el vehículo asegurado durante los dos primeros años desde la primera matriculación, se tendrá derecho a un vehículo de alquiler con un límite máximo de 210 e.

[198] Driver accident: Covered ↩

Personal accident cover for the driver and/or vehicle occupants resulting from a traffic accident involving the insured vehicle. Benefits include: death capital (as stated in particular conditions), absolute permanent disability capital (double for total disability), partial permanent disability as a percentage of the absolute disability capital per a defined table, daily benefit for temporary incapacity (ages 16–70 only), and medical assistance expenses for 365 days post-accident. In case of accidental death during the first two years, the policy also covers funeral service expenses up to 3,000 EUR if the full service cannot be provided. All capitals are indexed annually to the Spanish CPI. Exact capital amounts are defined in the particular conditions and are therefore not fixed in the general terms.

Es un seguro de accidentes destinado, según se establezca en condiciones particulares, a la persona que conduce o a las personas que ocupan las plazas del vehículo en caso de accidente de circulación.

[199] Own damage: Covered ↩

Covers material damage to the insured vehicle caused by a traffic accident regardless of fault, including collision, impact, overturning and road departure. Manufacturer standard and optional factory accessories are automatically included without declaration; other accessories covered up to EUR 1,500 at first risk. Tires, rims and batteries indemnified at 80% of new value. In case of total loss on vehicles up to 2 years old (first owner), indemnification is at the new vehicle sale price. Deductible applies (EUR 0 for no-excess tier; EUR 200, 300, or 600 for with-excess tiers) only on own-damage claims.

[200] Total loss: Covered ↩

In case of total loss by theft, fire or own damage: vehicles up to 2 years old (first owner) are indemnified at the new vehicle sale price; vehicles over 2 years old are indemnified at market value (valor venal). The insurer determines total loss based on vehicle age at the time of the claim.

[201] Partial loss: Covered ↩

Repair costs for partial damage to the insured vehicle covered up to insured value. Deductible (EUR 0, 200, 300, or 600 depending on selected tier) applies on own-damage claims only. Bodywork repairs under EUR 500 without parts replacement are committed to be completed within 3 business days at partner workshops.

[202] Theft & robbery: Covered ↩

Covers material damage caused to the vehicle or its disappearance in case of theft or attempted theft. In case of total theft, a 40-day waiting period applies before indemnification. Theft must be reported to authorities; non-reported thefts are excluded. No deductible applies to theft claims.

[203] Glass damage: Covered ↩

Covers repair or replacement of the front windscreen, rear window, side windows and sunroof. Also includes damage caused to glass by atmospheric phenomena such as hail and wind. No deductible applies to glass claims.

[204] Natural perils: Covered ↩

Damage caused to the insured vehicle by meteorological phenomena (e.g. hail, wind) is included within the own-damage coverage of the Todo Riesgo modality. Extraordinary risks covered by the Consorcio de Compensación de Seguros (e.g. floods, earthquakes) are handled separately by the Consorcio.

[205] Vandalism: Covered ↩

Vandalism damage (e.g. scratches, dents) to the insured vehicle is covered within the own-damage (daños propios) coverage of the Todo Riesgo modality. Extraordinary acts of vandalism linked to riots or terrorism are covered by the Consorcio de Compensación de Seguros.

[206] Roadside assistance: Covered ↩

Vehicle and person assistance from km 0, activated from the insured person's home address. Includes on-site technical assistance, vehicle towing, rescue and fuel supply, 24 hours a day. Service commitment: arrival in less than 1 hour on main roads. Coverage applies in Spain, Europe and non-European Mediterranean countries within a 200 km coastal strip. Free dedicated phone line: 900 301 900.

[207] Replacement vehicle: Optional ↩

Optional guarantee providing a free rental replacement vehicle in case of: theft (up to 40 days), fire (up to 20 days), attempted theft damage or accident immobilization where workshop time exceeds 24 hours (up to 12 days). Coverage begins from day 1 of immobilization. Available as a paid add-on to all modalities.

[208] Driver accident: Covered ↩

Covers personal injury risks for the insured vehicle driver arising from a traffic accident, including death benefit, double death benefit (if both spouses die), total and permanent disability, and medical/treatment expenses. A base capital is included; an optional upgrade increases the death and total permanent disability capital to EUR 60,000. Death and permanent disability benefits cannot both be paid for the same accident.

[209] Own damage: Covered ↩

Covers damage suffered by the insured vehicle as a result of a traffic accident caused by an external, violent, sudden event beyond the authorised driver's control, whether the vehicle is in circulation, stationary or being transported. In the 'Con Franquicia' tier, a deductible of 150, 250, 350 or 500 EUR per accident applies to own-damage and collision-with-identified-vehicle covers; the deductible is not applied in total-loss scenarios. In the 'Sin Franquicia' tier, no deductible applies. Excludes normal wear, electrical modifications not by manufacturer, tyre-only damage, catalytic converter/software-only damage, tapestry damage from transporting accident victims, and removable telephony/navigation equipment.

Daños al vehículo por colisión directa con vehículo identificado (con una cantidad a cargo del asegurado desde 150 € hasta 500 € por accidente).

[210] Total loss: Covered ↩

A vehicle is declared a total loss when the estimated repair cost exceeds its new value (valor de nuevo) or market value (valor venal) immediately before the claim, as per EUROTAX or specialist guides. Indemnification: 100% of the Spanish new-vehicle sale price (including legal taxes) if the accident occurs within the first year of first registration after leaving the factory; market value (valor venal) in all other cases. Second-hand vehicles are indemnified at market value. The deductible is not applied to total-loss claims. The insured must transfer title or surrender the vehicle to the insurer.

Se entenderá por pérdida total del vehículo siniestrado cuando el importe estimado de su reparación sea superior al valor de nuevo o al valor venal del vehículo conforme a la definición recogida en el artículo 1 "Definiciones" de estas Condiciones Generales.

[211] Partial loss: Covered ↩

Where damage does not constitute a total loss, indemnification is based on the cost of replacement materials and labour for repair or substitution. This applies to own-damage (Daños al Vehículo), collision with identified vehicle, theft, fire, and game-animal collision covers. In 'Con Franquicia' the agreed deductible (150–500 EUR) is deducted from the repair indemnification, except for theft, fire, glass, and game-animal claims. Maximum of four deductibles per policy year when multiple events occur.

En caso de que no sea pérdida total del vehículo, se indemnizará con arreglo al coste de los materiales a sustituir y de la mano de obra de reparación o sustitución.

[212] Theft & robbery: Covered ↩

Two distinct covers are included: (1) 'Pérdida Total por Sustracción' – covers only total loss arising from illegitimate vehicle theft by third parties; and (2) 'Robo del Vehículo Asegurado' – broader cover including theft of the complete vehicle, theft of individual parts (indemnified at repair/replacement cost), and damage caused to the vehicle while in the hands of thieves or during commission of the crime. Total-loss indemnification follows the new-value/market-value rule (year 1 vs. subsequent years). If the vehicle is recovered within 30 days of theft and before indemnification, the insured must accept it back; after indemnification the insured chooses within 15 days. Excludes: theft of keys only, non-factory accessories/equipment, vandalism, theft by persons obliged to return the vehicle, negligence by insured/owner, and extraíble telephony/navigation equipment (for Robo). Deductible is not applied to theft claims.

Se cubre la indemnización por la sustracción ilegítima del vehículo asegurado por parte de terceros.

[213] Glass damage: Covered ↩

Covers repair or replacement of front windscreen, rear windscreen, door glass and other lateral glass of the insured vehicle when breakage is caused by an external, violent, sudden event beyond the owner's or authorised driver's will, whether the vehicle is in circulation, stationary or in transit. Valuation is based on glass replacement cost plus labour. Deductible is not applied to glass-only claims. Excludes: plastics, metacrylates, optics, tulips, interior/exterior mirrors, fixed or sliding roofs, scratches from use, superficial marks that do not impair visibility, and claims where the insured cannot prove the glass was repaired or replaced.

Se cubre la reparación o sustitución, y en su defecto, indemnización por la rotura de las lunas delantera y trasera, las de las puertas y otras laterales del vehículo asegurado, cuando su rotura se produzca por una causa exterior, violenta, súbita y ajena a la voluntad del propietario o del conductor autorizado.

[214] Natural perils: Conditional ↩

There is no standalone named 'natural perils' cover in the Verti Todo Riesgo product. However, because the policy includes own-damage (casco) coverages, the Consorcio de Compensación de Seguros clause applies (CCGG Arts. 83–89): the Consorcio guarantees indemnification for extraordinary events (earthquakes, tidal waves, extraordinary floods, volcanic eruptions, atypical cyclonic storms with gusts above 120 km/h, tornadoes, meteorite falls, and damage resulting from terrorism, rebellion, riot, and acts of Armed Forces or Security Forces in peacetime). Coverage activates automatically provided the policyholder has paid the mandatory Consorcio surcharge. Excludes nuclear energy, armed conflict, normal tidal/current action, and events from geological phenomena other than those listed.

Las indemnizaciones derivadas de siniestros producidos por acontecimientos extraordinarios acaecidos en España, y que afecten a riesgos en ella situados... serán pagadas por el Consorcio de Compensación de Seguros cuando el tomador hubiese satisfecho los correspondientes recargos a su favor.

[215] Vandalism: Excluded ↩

Vandalism and malicious acts are explicitly excluded from both the 'Pérdida Total por Sustracción' cover (Art. 31f of the CCGG) and the 'Robo del Vehículo Asegurado' cover (Art. 35e of the CCGG). Accidental own-damage cover (Art. 43) requires an external, violent, sudden cause from a traffic accident, which would not encompass deliberate third-party vandalism not arising from vehicle use. No named vandalism cover exists in the product.

No se incluyen los actos vandálicos y malintencionados.

[216] Roadside assistance: Covered ↩

Included as standard in both tiers. Covers: immediate mechanical repair at the breakdown site (labour and call-out, but not spare parts); tyre change using the vehicle's spare; vehicle extraction/rescue up to 310 EUR; towing to the nearest workshop (or insured's chosen workshop up to 150 km from the incident); transport for insured persons up to 50 km from the incident; storage and custody of the vehicle up to 95 EUR; fuel-shortage tow to nearest service station; emergency battery recharge for EV/PHEV (max. 3 per policy year, limit 50 km radius); tow for incorrect fuel; spare-key courier up to 95 EUR; tow following lateral glass breakage. Scope: Spanish territory only (km 0). Optional upgrade to 'Asistencia en Viaje Completa' extends to all of Europe and Mediterranean-bordering countries and adds vehicle transport home (>150 km), return-home assistance, hotel accommodation up to 3 nights at 50 EUR/night, accident-related passenger benefits, and overseas repair advance up to 460 EUR.

La Aseguradora cubre las prestaciones que se relacionan en este artículo, cuando se produzca una avería mecánica, un accidente de circulación o el robo del vehículo asegurado o de sus piezas, que impidan la continuación del viaje.

[217] Replacement vehicle: Optional ↩

Optional add-on. A category-B rental car is provided to the authorised driver during repair of the insured vehicle following claims covered under own-damage, fire or theft coverages, or damage caused by third parties in a traffic accident. Cost charged to the insured: 5 EUR/day during the repair period (up to 30 days); 30 EUR/day for any delay in returning the rental vehicle or use beyond total-loss declaration (up to 30 days). Limit: 3 claims per policy year; rental period must be continuous. Coverage restricted to Spanish territory. Excludes: glass-only claims, immobilisations from non-covered events, pick-up/drop-off outside designated locations, and fuel/toll/parking costs (at insured's expense). Applies only to damages to the vehicle while in the hands of third parties during theft if 'Robo' cover is active.

La Aseguradora facilitará al conductor autorizado un vehículo turismo en régimen de alquiler en España por el importe establecido en las Condiciones Particulares durante la reparación del vehículo asegurado por los daños ocasionados a consecuencia de siniestros amparados por las coberturas de Daños, Incendio o Robo del vehículo asegurado.

[218] Driver accident: €30,000 – €60,000 ↩

Covers bodily injury suffered by the authorised and legally licensed driver as a result of a traffic accident while driving the insured vehicle. Three guarantees: (1) Death benefit: selectable sum from 30,000 EUR to 60,000 EUR; (2) Permanent disability: compensation calculated by applying a percentage from the policy's valuation scale to the contracted capital (30,000–60,000 EUR); (3) Medical assistance: covers necessary medical and hospital expenses, transport, non-external implantable prostheses, pharmaceutical costs, and reconstructive surgery up to the contracted limit (30,000–60,000 EUR) within 365 days of the accident (national territory). Auxiliary aids up to 3,100 EUR additionally covered. Aesthetic damage not covered as permanent disability. General voluntary exclusions apply (drink-driving, no licence, intentional acts).

Se cubre el pago de las indemnizaciones estipuladas en las Condiciones Generales y Particulares de la póliza para cada una de las siguientes garantías, por los daños corporales sufridos por el conductor autorizado y legalmente habilitado, como consecuencia de un accidente de circulación conduciendo el vehículo asegurado, que causen su fallecimiento, la invalidez permanente, y gastos de asistencia sanitaria.

[219] Own damage: Covered ↩

Covers repair or replacement costs for material damage to the insured vehicle caused by an accident from an external, violent and sudden cause beyond the insured's will, whether in circulation, at rest or during transport. Includes damage from: collision, rollover, malicious acts of third parties, material defects. Valuation: new value for first 2 or 3 years (per Condiciones Particulares), then expanded market value (valor de mercado ampliado = new value minus 1% per month elapsed, floored at market value) for years 3-5, then market value (GANVAM reference) from year 6. Indemnification cannot exceed the insured sum in the policy. Deductible (franquicia) optionally applies.

[220] Total loss: Covered ↩

A total loss (pérdida total / siniestro total) is declared when repair costs exceed 75% of the vehicle's market value immediately before the loss. Covered under §7 (standalone total loss guarantee) and also within §8 (own damage). Valuation follows the same age-based schedule: new value for 2 or 3 years, expanded market value for years 3-5, then market value. The salvage value (valor de restos) is deducted from the indemnification and remains with the insured.

[221] Partial loss: Covered ↩

Repair costs for damage that does not constitute a total loss (repair cost ≤75% of market value). The insurer assesses costs of materials, labour and VAT (where non-recoverable). Urgent repairs up to €300 may be carried out by the insured and reimbursed. Wear-and-tear parts (catalysts, batteries, clutches, exhausts, brakes) are subject to depreciation. Tyres/tubes covered only if the partial loss occurs alongside other material damage to parts other than the tyre/rim.

[222] Theft & robbery: Covered ↩

Covers damage from illegitimate taking of the insured vehicle by third parties against the owner's will. Insured sum = new value of vehicle plus accessories. Valuation: new value for first 2 or 3 years (2-year or 3-year option per Condiciones Particulares), then expanded market value (years 3-5), then market value from year 6. Complementary sub-limits: luggage/clothing stolen inside vehicle during travel away from habitual residence up to €300; personal objects of insured up to €300 (only when resulting from vehicle theft); child seats up to €300; EV/hybrid charging cables up to €200 per claim (max 1 claim/year, theft only, not petty theft). Tyres at 100% market value. Vehicle recovered within 30 days: insured must accept return.

[223] Glass damage: Covered ↩

Covers replacement or repair of glass (lunas) defined as: windscreen, front and rear screens, side windows, tinted glass, and factory-installed or declared panoramic/solar roofs. Covers fitting costs and accessories. Optional deductible may apply (amount per Condiciones Particulares). Excluded: damage to trailer/caravan glass, surface marks not constituting breakage, damage to headlights, mirrors or other glass objects not in the defined list.

[224] Natural perils: Covered ↩

Covers direct material damage to the insured vehicle caused by: (a) hail or snow; (b) flooding from overflow or diversion of lakes, canals, irrigation channels, sewers and other man-made or underground waterways; (c) collision with animals (wild game) provided there is a police report or verifiable evidence. Excludes events covered by the Consorcio de Compensación de Seguros (extraordinary risks). Valuation follows the same new-value / expanded-market-value / market-value schedule by vehicle age. Excluded: leaks, oxidation, humidity, water entering through open openings.

[225] Vandalism: Covered ↩

Covered within the own damage (§8) and total loss (§7) guarantees as damage caused by 'falta o hecho malintencionado de terceros' (malicious acts of third parties), provided the insured took all reasonable steps to avoid it and the act is not of a political-social nature. Also covered as part of the theft guarantee (§5c) for damage caused during the period of unlawful possession. Excluded if the act has a political-social character.

[226] Roadside assistance: Covered ↩

24-hour roadside assistance available from km 0 (including from home/garage). Service commitment: response in under 60 minutes or €60 refunded (valid until 31/12/2026, Spain only, PMA ≤3,500 kg, excluding force majeure). Three modalidades: Esencial (included as standard), Ampliada (optional – all Euro limits doubled, unlimited towing within peninsular Spain or one island), Plus (optional – adds replacement vehicle). Esencial covers: in-situ repair (≤30 min, up to €450); towing up to 200 km for vehicles ≤3,500 kg; rescue from rollover/ditch up to €450; vehicle repatriation if not repairable within 5 days and repair ≥8h; hotel costs up to €60/night (2 nights in Spain, 5 nights abroad); person transport if immobilised >48h in Spain or >5 days abroad; judicial bond advance abroad up to €4,800; legal defence costs abroad up to €1,800. Vehicle coverage: Spain, rest of Europe and Mediterranean bordering countries. Person coverage: worldwide.

[227] Replacement vehicle: Optional ↩

Available only under Asistencia Plus (optional upgrade). Triggered when: (a) accident – vehicle under repair and repair exceeds 8 hours per insurer's assessment; (b) theft – with police report. Replacement vehicle type: compact car type C (ECO version for EVs/hybrids, subject to availability). Valid only for private passenger cars. Maximum coverage period: 15 days. Must be returned within 24 hours of the repaired vehicle being delivered. Drivers must meet rental company minimum requirements (age and licence tenure).

[228] Driver accident: Covered ↩

Covers bodily injuries suffered by the authorised and legally qualified driver as a result of a traffic accident with the insured vehicle, including death, permanent disability and medical-pharmaceutical expenses. Two modalidades: Esencial (included) and Ampliada (optional – supplementary medical expenses doubled, medical care at partner centres unlimited). Capitals are set in Condiciones Particulares. Disability is assessed using the scale in the T&C (based on RD 888/2022). Maximum €3,000 for vehicle adaptation costs due to permanent disability. Advance of 50% of death benefit (up to €6,000) for administrative/fiscal costs. Medical expenses covered up to 1 year post-accident; complementary expenses (prostheses, dental, companion stay up to 10 days) up to €600.