AXA
AXA is a motor casco insurance for the ES market with online purchase and 24/7 assistance.
Direct payment
Repairs are carried out at AXA Quality Workshops (Talleres AXA Calidad) designated by AXA, unless the optional free-choice-of-workshop coverage (Libre elección de taller) has been contracted. No deductible applies at partner workshops under the FlexiRapid network. For natural phenomena claims, no deductible is charged.
Geographic scope
ES
Responsabilidad civil obligatoria y voluntaria, daños, incendio, robo y lunas: España, Andorra, todos los países del Espacio Económico Europeo y estados adheridos al Convenio Multilateral de Garantía. Garantías opcionales: España. Modalidad Estándar y Completa de asistencia: España y Andorra. Modalidad Extranjero: Marruecos y países del EEE/Convenio Inter-Bureaux con Carta Verde.
Unique selling points
- AXA guarantees tow truck arrival within 60 minutes from km 0 on all policies; if exceeded, the customer is automatically compensated EUR 60.
- AXA Quality Workshops (FlexiRapid network) offer zero deductible, free vehicle pick-up and delivery, and a 3-year repair guarantee at no extra cost.
- Optional ECO-KIT guarantee covers EV and plug-in hybrid charging cable theft and home charging station damage (up to EUR 250) without needing to declare the cable as an accessory.
- Optional pet accident veterinary coverage provides up to EUR 5,000 for veterinary expenses for dogs, cats, or birds injured in an accident involving the insured vehicle.
- Natural phenomena coverage (hail, floods, wind, snow, lightning and their consequences) is available as an optional add-on with no deductible when the standard clause is selected, providing superior weather protection vs. market standard.
Coverage limits
Own Vehicle Damage (Daños Propios)
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.
Total Loss
Covered
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.
Partial Loss / Own Damage Repair
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.
Theft and Robbery (Robo y Hurto)
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.
Glass / Windscreen Damage (Rotura de Lunas)
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.
Natural Phenomena / Weather Damage (Fenómenos Naturales)
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.
Vandalism (Actos Vandálicos / Daños Propios)
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.
Roadside Assistance (Asistencia en Viaje)
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.
Replacement Vehicle (Vehículo de Sustitución)
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.
Driver Personal Accident Coverage (Accidentes Personales del Conductor)
Covered
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.
Key conditions
driver_age_experience_limit
Drivers under 26 years old who will drive the insured vehicle, even occasionally, must be expressly declared and identified in the policy. If not declared, all vehicle damage caused by or to the vehicle while driven by a person under 26 is excluded from coverage.
repair_network_requirements
Repairs must be carried out at AXA-designated Quality Workshops (Talleres AXA Calidad), unless the optional free-choice-of-workshop (Libre elección de taller) coverage has been contracted. AXA Quality Workshops offer: courtesy vehicle, free vehicle pick-up and delivery, 3-year repair guarantee, and no deductible (FlexiRapid network). Note: for hail and natural phenomena claims, free-choice-of-workshop coverage is excluded even if contracted (hail claims must use designated network).
territorial_scope
The insured must have their habitual residence in Spain to benefit from contracted coverages. Trips or displacements outside habitual residence in Spain cannot exceed 60 days. Mandatory and voluntary civil liability, damage, fire, theft, and glass coverage applies in: Spain, Andorra, all EEA member states, and states party to the Multilateral Guarantee Convention. For countries outside this scope, the International Insurance Certificate (Green Card) is required.
anti_theft_requirements
No specific anti-theft device requirement is explicitly stated in the policy general terms. However, the insurer may exclude theft damage if the insured has not taken reasonable precautions. The policy covers theft of tyres, wheels, rims, and fixed accessories declared in the policy; non-fixed accessories (ski racks, roof racks, roll bars) are excluded from theft coverage.
claim_notification_deadline
The policyholder, insured or beneficiary must notify the insurer of the occurrence of a claim within a maximum of 7 days of becoming aware of it, providing the insurer with all relevant information and the consequences of the claim. Failure to comply may entitle the insurer to claim damages caused by the delay in notification.
deductible_rules
For Todo Riesgo sin Franquicia: the insurer covers all costs up to policy limits with no deductible for own damage. For Todo Riesgo con Franquicia: a fixed deductible (franquicia) chosen by the insured at contracting applies per own-damage claim; the insured pays the deductible and AXA covers the remainder. For natural phenomena coverage: an optional deductible of 30% of the claim amount (minimum EUR 100) can be selected to reduce the premium; no deductible applies if this option is not chosen. For multi-side scratch events not exceeding EUR 500: only a single deductible is applied. No deductible applies at AXA Quality Workshops (FlexiRapid network).
Where to buy
Policy specifics
Electric vehicle charging cable protection
Coverage for theft and damage to charging cables and home charging stations for electric or hybrid plug-in vehicles
Natural phenomena damage protection
Coverage for vehicle damage caused by natural phenomena or their consequences
Pet accident veterinary coverage
Coverage for veterinary expenses of pets injured in vehicle accidents
FlexiRapid repair network service
Access to AXA Quality Workshops network for vehicle repairs with specific service conditions
Deductible waiver for natural phenomena
Condition where deductible is not applied to claims from natural phenomena damage
Roadside assistance time guarantee
Commitment to respond to roadside assistance calls within a specified time period
Residential requirement
Condition that insured must have habitual residence in Spain to benefit from contracted coverage