Allianz
Allianz Direct is a motor casco insurance for the ES market with online purchase and 24/7 assistance.
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.
Geographic scope
ES
España y países integrantes de la Carta Verde, salvo Irán, Rusia y Bielorrusia
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.
- Excelentes workshop network offers quality-guaranteed repairs with a pre-improvement clause ensuring only new damage is charged, and glass repair can be performed at the insured's home address where technically feasible.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Key conditions
driver_age_experience_limit
Undeclared drivers under 26 years of age or with less than 3 years of driving licence seniority are excluded from all 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.
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.
territorial_scope
All coverages except Damage Claims and Legal Defence are valid in Spain and in all Green Card member countries except Iran, Russia, and Belarus. Damage Claims and Legal Defence coverage is valid in Spain and in Green Card countries provided the parties involved are habitually resident in a European Economic Area country.
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.
Documents
Condicionado de póliza Allianz Direct Seguro de Coche (versión Condiciones Generales 40 páginas)
terms_and_conditions
IPID – Documento de información sobre el producto de seguro de coche Allianz Direct
ipid
Allianz Auto Condiciones Generales Estándar (Allianz Seguros)
terms_and_conditions
Automóviles PLUS Todo Riesgo con Franquicia 1 – IPID (Allianz Seguros)
ipid
IPID BBVA Allianz Auto
ipid
Policy specifics
Glass and window coverage
Covers windscreen, rear window, side windows, and other glass surfaces of the vehicle
Theft and robbery coverage
Covers theft of the insured vehicle and associated losses from burglary or robbery
Fire and explosion coverage
Covers damage to the insured vehicle caused by fire, explosion, or spontaneous combustion
Collision and impact damage
Covers damage to insured vehicle from collision, rollover, or impact accidents including damage from falling objects
Natural phenomena and weather damage
Covers damage caused by storms, hail, flooding, earthquakes, or other natural events
Animal collision coverage
Covers damage to vehicle resulting from collision with domestic animals or game animals
Driver personal injury and death coverage
Covers medical expenses, death benefit, and permanent disability of the insured driver in case of accident
Legal defense and claims assistance
Covers legal costs and representation for claims arising from traffic accidents where insured is victim
Deductible/Franchise selection
Comprehensive policies available with or without deductible; deductible amount varies by vehicle value and repair location
Authorized repair workshop requirement
Vehicle repairs must typically be performed at designated Allianz-affiliated workshops; free choice of workshop requires additional coverage
Claim notification requirement
Insured must report accident and provide claim information within 7 days of incident occurrence
Vehicle age and valuation limits
Vehicles up to 3,500 kg GVW are eligible; valuation based on purchase price for vehicles under 12 months old, market value for older vehicles
Accessories declaration requirement
Non-factory or aftermarket accessories must be expressly declared and included in policy conditions for coverage eligibility
Personal items and effects exclusion
Theft or damage to personal items left in vehicle (e.g., laptops, luggage, phones, wallets) is not covered
Total loss determination
Vehicle is deemed total loss when repair costs exceed 80% of vehicle's actual market value at time of loss