Agrupació
Agrupació is a motor casco insurance for the ES market with online purchase and 24/7 assistance.
Direct payment
Repairs carried out at Agrupació's network of concerted workshops include original parts, lifetime paint guarantee, cleaning and technical inspection prior to delivery, and a free replacement vehicle during repair. For repairs outside the network, appraisal is performed within 24 hours. Direct payment to the workshop is standard for concerted-network repairs.
Geographic scope
Spain (nationwide)
Spain; travel assistance applies also when traveling without the vehicle. Coverage of foreign-plated vehicles is not available; vehicle must be registered in Spain.
Unique selling points
- Glass coverage uniquely includes indicators (intermitentes) and vehicle optic covers, going beyond the standard windshield and side windows covered by competitors.
- Total loss valued at 'valor a nuevo' (full new public sale price including taxes), ensuring the highest possible indemnification at the time of a total loss claim.
- If the tow truck takes more than 45 minutes to arrive, Agrupació automatically compensates the insured with €45, reflecting a service quality commitment above market norms.
- Fire, theft, and own-damage coverages extend automatically to all manufacturer-fitted accessories and to attached trailers under 750 kg, without requiring a separate declaration.
- Dedicated single claims manager handles the full lifecycle of each claim from declaration to resolution, with personal injury accompaniment throughout the recovery process.
Coverage limits
Own damage
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Indemnización hasta el 100% del valor a nuevo si el vehículo tiene menos de 2 años; a partir del 2º año, hasta el 100% del valor venal. Siniestro total declarado cuando la reparación supera entre el 75% y el 100% del valor venal según la póliza.
Total loss
€2
Industria española: valor a nuevo durante los 2 primeros años (algunas compañías 3 años); valor venal o valor venal mejorado a partir del 3er año. Agrupació cubre robo, daños propios, incendio y lunas según fuentes de terceros.
Partial loss
—
Daños parciales cubiertos hasta el valor venal del vehículo, menos la franquicia pactada. Franquicias habituales en el mercado español: 200, 300, 500, 600 o 900 EUR por siniestro.
Theft & robbery
—
Robo total: indemnización a valor a nuevo si el vehículo tiene menos de 2 años; valor venal a partir del 3er año. Robo parcial: daños a elementos fijos y accesorios declarados en póliza. Agrupació incluye cobertura de robo confirmada.
Glass damage
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Cobertura de rotura de lunas incluye parabrisas, luneta trasera, lunas laterales y techo solar de serie. Indemnización por coste de reposición y mano de obra. Sin límite monetario fijo estándar en el mercado español; algunas compañías aplican franquicia cero en lunas.
Roadside and travel assistance (Asistencia en viaje)
Covered
Travel and roadside assistance is included across all modalities. Coverage applies even when traveling without the vehicle, and includes the possibility of recovery and transfer of the vehicle to the workshop of the insured's choice near their home address. In the event of a breakdown or accident, the insured is geolocated and assistance is provided promptly; if the tow truck takes more than 45 minutes, a €45 compensation is paid. The vehicle can also be transferred to a concerted workshop.
Replacement vehicle (Vehículo de sustitución)
Conditional
A free replacement vehicle is provided by the concerted (network) workshops while the insured vehicle is being repaired. Additionally, if the vehicle is immobilised due to accident, breakdown, repair or inspection, the policy can be temporarily transferred free of charge to a similar loan vehicle for up to one month. A vehicle on hold pending sale is also covered with the same guarantees for up to 30 days when a new vehicle is acquired.
Key conditions
driver_age_experience_limit
No specific driver age or experience minimum is stated in the verified official sources for this product. The product is available for private-use passenger cars, MPVs, SUVs, derived vehicles, vans, motorcycles and mopeds, provided they are for exclusively private use.
repair_network_requirements
Agrupació operates a network of concerted (approved) workshops. Using these workshops guarantees: original manufacturer parts, lifetime paint guarantee, pre-delivery cleaning and technical inspection, and a free replacement vehicle during the repair. For repairs outside the network, assessment by an Agrupació appraiser is completed within 24 hours. The insured may also choose to have the vehicle transported to a workshop of their own choice near their home.
territorial_scope
The product covers vehicles registered in Spain for private use. Vehicles with foreign licence plates cannot be insured under this product; they must be insured with a company established in the country of registration. Travel assistance coverage applies across Spain and also when travelling without the vehicle.
anti_theft_requirements
No specific anti-theft device requirement is stated in the verified official Agrupació product pages for this product line.
claim_notification_deadline
In the event of a vehicle sale, the policyholder must notify the insurer in writing within 15 days, as required by Article 34 of the Insurance Contract Act. General claim notification requirements are not explicitly detailed in the verified online product sources; full terms are in the policy conditions.
deductible_rules
The deductible (franquicia) is the amount borne by the insured for each claim. It applies to own-damage and other selected coverages per the particular conditions. The annual premium is indivisible; even under a fractional payment arrangement, the full annual premium is owed. The deductible is only payable when a claim occurs under the coverages to which it applies.
driver_age_experience_limit_notes
Estándar del mercado español: conductores menores de 25 años y/o con menos de 2 años de antigüedad de carnet son considerados perfil de alto riesgo. Muchas aseguradoras los excluyen de cobertura de daños propios salvo declaración expresa como conductor en la póliza. Agrupació aplica condiciones estándar del mercado español.
anti_theft_requirements_notes
En España no existe obligación legal de instalar dispositivo antirrobo para tener cobertura de robo. Algunas aseguradoras pueden exigirlo o aplicar descuentos por alarma, inmovilizador o GPS. Agrupació no publica requisito antirrobo específico en fuentes accesibles; sigue el estándar del mercado.
Where to buy
Policy specifics
Own damage coverage
Comprehensive coverage for damage to own vehicle from accidents, collision, and other causes
Theft and robbery coverage
Coverage for vehicle theft and robbery incidents
Fire coverage
Coverage for vehicle damage caused by fire
Travel assistance
Coverage for roadside assistance and travel support services
Deductible
Amount the insured must pay toward each claim before coverage applies
Approved repair network
Condition restricting repairs to Agrupació's network of authorized repair shops
Vehicle age restrictions
Potential restrictions or conditions based on vehicle age for casco coverage