Balumba

driver_age_experience_limit

All habitual drivers must be declared in the policy. Drivers under 25 years of age or with less than 2 years of licence seniority must be declared regardless of whether they drive habitually or occasionally; if undeclared, they are not covered in case of accident and the insurer has the right of recourse. Such drivers are treated as principal drivers for premium purposes. Drivers under 25 are covered by the driver accident insurance (GES) only if an additional surcharge is paid and they are expressly declared in the policy.

repair_network_requirements

The policyholder may freely choose any of Balumba's network of over 650 authorised bodywork and mechanics workshops nationwide or their own trusted workshop. Network workshops offer preferential treatment, extended warranty of 1 year or 12,000 km on repairs, free interior and exterior vehicle cleaning, and in most cases free pickup and delivery at the policyholder's address or workplace. Damage assessment (peritación) is performed within 24 hours of the vehicle's arrival at the workshop (excluding weekends and public holidays); if not met, EUR 50 compensation is paid. For glass repairs, Balumba works with specialist networks including Carglass.

territorial_scope

For casco (own damage, fire, glass, theft) coverage: Spain and Principality of Andorra, EEA countries, countries adhering to the Green Card system, and states party to the Multilateral Guarantee Agreement. Roadside assistance (Europ Assistance): valid in Spain and Europe (and Mediterranean rim countries for sanitary aircraft). Legal defence (ARAG): Spanish territory for most guarantees; Europe and Mediterranean rim countries for motorcycles and private passenger cars for guarantees under Art. 2.17.2–2.17.10.

anti_theft_requirements

Where anti-theft devices have been declared at policy inception that require a third-party contract to function, total vehicle theft is not covered if such devices cannot be accredited or do not exist. No other mandatory anti-theft device requirement is specified in the general conditions.

claim_notification_deadline

The policyholder or insured must notify the insurer of any claim within a maximum of 7 days of its occurrence (even if no coverage is to be used), providing all available information on circumstances and consequences. In case of vehicle theft, the competent police authorities must have been notified as a condition for coverage. For roadside assistance, immediate notification is required via telephone before any assistance is provided; benefits not pre-authorised are excluded. Failure to notify may entitle the insurer to claim damages caused by lack of declaration, unless it can be proven the insurer was aware of the claim by other means.

deductible_rules

Own damage (daños propios) coverage may be contracted with or without a deductible (franquicia). Balumba offers up to 6 different deductible tiers for policyholders to choose from; a higher deductible results in a lower premium. The specific deductible amount applicable to a given policy is stated in the particular conditions. Where the insured is not at fault, the insurer will advance the deductible amount once the responsible party's insurer has accepted liability in writing. Glass (lunas) coverage may also optionally be contracted with a deductible. Theft (sustracción) coverage may also optionally be contracted with a deductible.

Own damage coverage

Covers damage to the insured vehicle when the policyholder is at fault in an accident

Theft and robbery coverage

Covers both theft with violence/force (robo) and theft without violence (hurto), with valuation based on vehicle age

Glass coverage

Covers replacement, installation or repair of windscreen, side windows and rear window in case of total or partial damage

Fire coverage

Covers damage or loss of vehicle caused by fire, regardless of origin (internal or external) or due to explosion or lightning strike

Extended liability coverage

Extends mandatory liability limits up to EUR 50 million if indemnification exceeds obligatory civil liability limits

Roadside assistance

Optional coverage providing 24/7 roadside assistance including vehicle repair on-site, towing, and related services

Deductible options

Casco products available with multiple deductible tiers allowing policyholder to select copayment amount for own-damage claims

Tow truck within 45 minutes

Balumba guarantees tow truck arrival within 45 minutes; if exceeded, customer receives EUR 50 compensation

Damage assessment within 24 hours

First damage assessment completed within 24 hours of vehicle arrival at workshop; EUR 50 compensation if not met

Free workshop choice

Policyholder can choose any workshop from 350+ network partners or select their own trusted workshop

Replacement vehicle

Optional coverage providing rental vehicle during repair period; up to 10 days for accident, theft or robbery

Unlimited towing

Optional coverage removing distance limit for towing to preferred workshop or home; standard includes 50-100 km radius

Collision with identified third parties

Comprehensive damage coverage limited to direct collisions with identified third parties, animals, or persons

Home pickup and delivery

Contracted workshops in network offer pickup and delivery of repaired vehicle to policyholder's address within 50 km radius

14-day withdrawal right

Individual consumers have 14 calendar days to withdraw from contract without cost or justification if no claim has occurred

Excluded activities

Insurance does not cover vehicles used for: transport of hazardous materials, rental with/without driver, public service, driving school, fleet vehicles