Allianz Direct Casco (own-damage car insurance) (Casco Todo Riesgo)
Underwritten by Allianz Direct Versicherungs-AG · Spain
casco (own-damage car insurance) from Allianz Direct for the Spain market, with online purchase and 24/7 assistance.
Last verified May 14, 2026Sources
Unique selling points
24/7 roadside assistance included from kilometre zero as standard in all policy variants, with no mileage limit for towing under the optional Premium Travel Assistance.
100% digital insurer — quotes, policy management, claims reporting, and roadside assistance requests are all available online or via app without intermediaries, enabling faster issuance and lower premiums.
Optional Guaranteed Purchase Price Premium extends total-loss indemnification at original invoice value for up to 36 months from first registration, compared to the standard 12-month window.
Optional Seguro del Conductor y Familia Premium provides up to €150,000 in death or permanent disability indemnification for families with minor children, significantly above the standard driver cover included.
Repairs at Allianz Direct's Excelentes concerted workshop network, and glass repair at the insured's home where the repair allows it.
Coverage limits
Own damage (collision, rollover, impact, vandalism)
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.
Section: Coberturas de la Póliza > 9. Daños Propios por Daños por Accidente, Colisión o Actos vandálicos > 9.1 ¿Qué queda cubierto?
Colisión con otro vehículo. • Colisión con personas. • Impacto y colisión con otros objetos. • Vuelco o salida de calzada. • Daños por actos vandálicos.
Total loss indemnification
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.
Section: Coberturas de la Póliza > 9. Daños Propios por Daños por Accidente, Colisión o Actos vandálicos > 9.1 ¿Qué queda cubierto?
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.
Partial loss (repair of own damage)
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.
Section: Coberturas de la Póliza > 9. Daños Propios por Daños por Accidente, Colisión o Actos vandálicos
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.
Theft and 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.
Section: Coberturas de la Póliza > 6. Robo e Incendio > 6.1 ¿Qué queda cubierto?
Sustracción completa (pérdida total) del coche, siempre que éste no aparezca en un plazo de 30 días naturales desde la fecha del robo.
Glass and window damage (Lunas)
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.
Section: Coberturas de la Póliza > 4. Lunas > 4.1 ¿Qué queda cubierto?
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.
Natural phenomena / weather damage (Eventos Meteorológicos)
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.
Section: Coberturas de la Póliza > 7. Eventos Meteorológicos > 7.1 ¿Qué queda cubierto?
Daños ocasionados por granizo o por pedrisco. • Daños ocasionados por un rayo. • Caída de nieve desde el techo de edificios o casas particulares.
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.
Section: Coberturas de la Póliza > 9. Daños Propios por Daños por Accidente, Colisión o Actos vandálicos > 9.1 ¿Qué queda cubierto?
Daños por actos vandálicos.
Roadside assistance (Asistencia en Viaje Estándar)
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.
Section: Coberturas de la Póliza > 5. Asistencia en Viaje Estándar > 5.1 ¿Qué queda cubierto?
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
Replacement vehicle (Vehículo de Sustitución)
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.
Section: Coberturas opcionales > 11. Vehículo de Sustitución > 11.1 ¿Qué queda cubierto?
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.
Driver personal accident insurance (Seguro del Conductor)
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.
Section: Coberturas de la Póliza > 2. Seguro del Conductor > 2.1 ¿Qué queda cubierto?
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.
Key conditions
Driver age and experience limit
Damage caused by undeclared drivers who are under 26 years of age and have held a driving licence for less than 3 years is excluded from coverage. Such drivers must be expressly declared in the Particular Conditions as authorised drivers. Coverage is void if the vehicle is driven without a valid licence, with an expired, temporarily withdrawn, or non-Spanish-approved licence.
SourceClause BPage 33/40Section: Otras cláusulas > Exclusiones Generales de la Póliza
Causados por conductores no declarados en la póliza que sean menores de 26 años y con una antigüedad del carné de conducir de menos de 3 años.
Repair network requirements
All repairs must be carried out at Allianz Direct's Talleres Excelentes (concerted repair network). Free choice of workshop requires contracting the optional 'Libre Elección de Taller' add-on. Glass repairs must be carried out at specialist glass workshops concerted with Allianz Direct. Repairs at non-network workshops without the optional add-on are not covered. In-situ roadside repairs for breakdown are also managed exclusively through Allianz Direct's service providers.
Anti-theft requirements
Theft claims require a formal police report (denuncia) to be filed with the competent authority. All accessories claimed for theft must have been expressly declared and included in the Particular Conditions. Personal items left in the vehicle (e.g. laptop, phone, luggage, wallet) are excluded. Damage must be a consequence of forced entry; damage not resulting from forcing is excluded. Theft by family members of the policyholder, owner, or driver up to third degree of kinship is excluded.
Claim notification deadline
The insured must notify Allianz Direct of a claim immediately and within the maximum legal period of 7 days as established by the Ley de Contrato de Seguro. In the event of theft, a police report must be provided. Failure to notify within the required timeframe may affect coverage validity. All judicial notifications received must be communicated immediately to Allianz Direct. For total loss indemnification, the policy is extinguished once the claim is settled and the insurer may retain the unconsumed premium.
Deductible rules
Comprehensive (Todo Riesgo) policies are available with or without deductible. If the 'with deductible' variant is contracted, the deductible amount is as specified in the Particular Conditions and applies to each independent claim event. Multiple independent events on the same vehicle may each trigger a separate deductible, up to a maximum of 5 deductibles per policy period for own damage. No deductible applies to third-party liability, glass damage (unless separately contracted with deductible), or roadside assistance. For extraordinary risks covered by the Consorcio de Compensación de Seguros, no deductible is applied to motor vehicle policies.
Direct payment
Claims are handled through Allianz Direct's authorized workshop network (Talleres Excelentes). Direct payment to workshops in the network is standard. Free choice of workshop requires an optional add-on; if the insured uses their own workshop, costs must be submitted for reimbursement. For total loss, indemnification is paid directly to the insured.
Territorial scope
España y países integrantes de la Carta Verde, salvo Irán, Rusia y Bielorrusia
Documents
Condicionado de póliza Allianz Direct Seguro de Coche (versión Condiciones Generales 40 páginas) (opens in a new tab)
Terms & conditions · PDF
IPID – Documento de información sobre el producto de seguro de coche Allianz Direct (opens in a new tab)
Product information sheet · PDF
Allianz Auto Condiciones Generales Estándar (Allianz Seguros) (opens in a new tab)
Terms & conditions · PDF
Automóviles PLUS Todo Riesgo con Franquicia 1 – IPID (Allianz Seguros) (opens in a new tab)
Product information sheet · PDF
Policy specifics
Glass and window coverage
Covers windscreen, rear window, side windows and a factory-fitted glass roof
SourceClause 4.1Page 12/40Section: Coberturas de la Póliza > 4. Lunas > 4.1 ¿Qué queda cubierto?
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.
Theft and robbery coverage
Covers theft of the insured vehicle and associated losses from burglary or robbery
SourceClause 6Page 15/40Section: Coberturas de la Póliza > 6. Robo e Incendio
tendrás cubierto, por un lado, la reparación de los daños de tu coche a consecuencia de un robo parcial o intento de robo, además de la indemnización si se trata de una sustracción ilegítima o su tentativa
Fire and explosion coverage
Covers damage to the insured vehicle caused by fire, explosion, or spontaneous combustion
SourceClause 6Page 15/40Section: Coberturas de la Póliza > 6. Robo e Incendio
Por otro lado, nos encargaremos de cubrir los daños de tu coche en caso de que sufras un incendio o explosión.
Collision and impact damage
Covers damage to insured vehicle from collision, rollover, or impact accidents including damage from falling objects
SourceClause 9.1Page 19/40Section: Coberturas de la Póliza > 9. Daños Propios por Daños por Accidente, Colisión o Actos vandálicos > 9.1 ¿Qué queda cubierto?
Cubrimos la reparación de los daños materiales ocasionados al vehículo asegurado en los siguientes casos: • Colisión con otro vehículo. • Colisión con personas. • Impacto y colisión con otros objetos. • Vuelco o salida de calzada.
Natural phenomena and weather damage
Covers damage from hail, lightning and snow falling from building roofs; catastrophic events (earthquake, extraordinary flood) are covered by the Consorcio de Compensación de Seguros
SourceClause 7.1Page 17/40Section: Coberturas de la Póliza > 7. Eventos Meteorológicos > 7.1 ¿Qué queda cubierto?
Daños ocasionados por granizo o por pedrisco. • Daños ocasionados por un rayo. • Caída de nieve desde el techo de edificios o casas particulares.
Animal collision coverage
Covers damage to vehicle resulting from collision with domestic animals or game animals
SourceClause 8.1Page 18/40Section: Coberturas de la Póliza > 8. Colisión con Animales > 8.1 ¿Qué queda cubierto?
Es imprescindible que presentes el atestado elaborado por parte de la autoridad competente en el que se refleje lo sucedido o que existan evidencias constatables en la peritación previa a la reparación del vehículo.
Driver personal injury and death coverage
Covers medical expenses, death benefit, and permanent disability of the insured driver in case of accident
SourceClause 2.1Page 08/40Section: Coberturas de la Póliza > 2. Seguro del Conductor > 2.1 ¿Qué queda cubierto?
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.
Legal defense and claims assistance
Covers legal costs and representation for claims arising from traffic accidents where insured is victim
SourceClause 3.1Page 10/40Section: Coberturas de la Póliza > 3. Reclamación de Daños y Defensa Jurídica > 3.1 ¿Qué queda cubierto?
En caso de que tengas un problema legal derivado de un accidente de circulación con el vehículo asegurado y del que seas víctima, nos haremos cargo de los gastos de reclamación de estos daños
Deductible/Franchise selection
Comprehensive policies available with or without deductible; deductible amount varies by vehicle value and repair location
SourceClause 9Page 19/40Section: Coberturas de la Póliza > 9. Daños Propios por Daños por Accidente, Colisión o Actos vandálicos
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.
Authorized repair workshop requirement
Vehicle repairs must typically be performed at designated Allianz-affiliated workshops; free choice of workshop requires additional coverage
SourceClause 9.1Page 19/40Section: Coberturas de la Póliza > 9. Daños Propios por Daños por Accidente, Colisión o Actos vandálicos > 9.1 ¿Qué queda cubierto?
La reparación del vehículo deberá realizarse en uno de los talleres concertados de Allianz Direct. Si deseas reparar tu vehículo en cualquier otro taller, deberás contratar la cobertura opcional Libre Elección de Taller.
Claim notification requirement
Insured must report accident and provide claim information within 7 days of incident occurrence
SourcePage 2Section: ¿Cuáles son mis obligaciones?
Si has tenido un siniestro, tienes 7 días para decirnos lo que ha pasado y las consecuencias, aportando la información y documentación necesaria para comprobar y valorar los daños.
Vehicle age and valuation limits
Total-loss valuation: purchase price if the vehicle is under 12 months old from first registration, otherwise market (venal) value; the optional Precio de Compra Garantizado Premium extends purchase-price valuation up to the third year from first registration.
SourceClause 9.1Page 19/40Section: Coberturas de la Póliza > 9. Daños Propios por Daños por Accidente, Colisión o Actos vandálicos > 9.1 ¿Qué queda cubierto?
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.
Accessories declaration requirement
Non-factory or aftermarket accessories must be expressly declared and included in policy conditions for coverage eligibility
SourceClause 6.2Page 16/40Section: Coberturas de la Póliza > 6. Robo e Incendio > 6.2 ¿Qué no queda cubierto?
El robo o intento de robo, incendio o explosión de accesorios que no hayan sido expresamente declarados e incluidos en las condiciones particulares de la póliza.
Personal items and effects exclusion
Theft or damage to personal items left in vehicle (e.g., laptops, luggage, phones, wallets) is not covered
SourceClause 6.2Page 16/40Section: Coberturas de la Póliza > 6. Robo e Incendio > 6.2 ¿Qué no queda cubierto?
El robo o incendio de cualesquiera objetos personales que se encuentren en el vehículo, tales como el ordenador portátil, el equipaje, el teléfono o la cartera.
Total loss determination
Total loss is indemnified at purchase value if the car is under 12 months old, otherwise at market value, minus salvage and any deductible; the optional Precio de Compra Garantizado Premium extends purchase value up to the third year.
SourceClause 9.1Page 19/40Section: Coberturas de la Póliza > 9. Daños Propios por Daños por Accidente, Colisión o Actos vandálicos > 9.1 ¿Qué queda cubierto?
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.
Sources
- allianzdirect.eshttps://www.allianzdirect.es/dam/documents/Condicionado_de_poliza_coche.pdf#page=10(opens in a new tab)
- allianzdirect.eshttps://www.allianzdirect.es/dam/documents/Condicionado_de_poliza_coche.pdf#page=12(opens in a new tab)
- allianzdirect.eshttps://www.allianzdirect.es/dam/documents/Condicionado_de_poliza_coche.pdf#page=13(opens in a new tab)
- allianzdirect.eshttps://www.allianzdirect.es/dam/documents/Condicionado_de_poliza_coche.pdf#page=15(opens in a new tab)
- allianzdirect.eshttps://www.allianzdirect.es/dam/documents/Condicionado_de_poliza_coche.pdf#page=16(opens in a new tab)
- allianzdirect.eshttps://www.allianzdirect.es/dam/documents/Condicionado_de_poliza_coche.pdf#page=17(opens in a new tab)
- allianzdirect.eshttps://www.allianzdirect.es/dam/documents/Condicionado_de_poliza_coche.pdf#page=18(opens in a new tab)
- allianzdirect.eshttps://www.allianzdirect.es/dam/documents/Condicionado_de_poliza_coche.pdf#page=19(opens in a new tab)
- allianzdirect.eshttps://www.allianzdirect.es/dam/documents/Condicionado_de_poliza_coche.pdf#page=25(opens in a new tab)
- allianzdirect.eshttps://www.allianzdirect.es/dam/documents/Condicionado_de_poliza_coche.pdf#page=33(opens in a new tab)
- allianzdirect.eshttps://www.allianzdirect.es/dam/documents/Condicionado_de_poliza_coche.pdf#page=8(opens in a new tab)
- allianzdirect.eshttps://www.allianzdirect.es/dam/documents/IPID-seguro-de-coche.pdf#page=2(opens in a new tab)
- allianzdirect.eshttps://www.allianzdirect.es/seguro-de-coche/(opens in a new tab)
Allianz Direct Casco (own-damage car insurance)