Balumba Casco (own-damage car insurance) (Todo Riesgo)

Covers damage to the insured vehicle caused by an accident from an external, instantaneous, violent and involuntary cause, whether the vehicle is in circulation, parked or being transported. Includes: collision or crash with another vehicle or any object; vehicle overturning or falling; sinkhole of terrain, bridges or roads; malicious acts of third parties; lightning strike and hail damage; damage to interior upholstery caused when helping accident victims. Valuation: for vehicles up to 1 year old, repair cost is covered if it does not exceed 75% of the new value; for vehicles over 1 year old, repair cost is covered if it does not exceed the market value (valor venal). In case of total loss: new value (valor de nuevo) for vehicles up to 2 years old; market value + 15% improvement (valor venal mejorado) for vehicles aged 2–4 years; market value at time of loss for vehicles aged 4 years or more. Indemnification never exceeds the actual purchase price paid by the current owner. Optional deductible (franquicia) available in up to 6 tiers, reducing the premium accordingly.

Total loss is declared when, for vehicles up to 1 year old from first registration, the repair cost exceeds 75% of the new value; for vehicles over 1 year old, when repair cost exceeds the vehicle's market value (valor venal). Indemnification follows age-based valuation: new value (up to 2 years); market value +15% (2–4 years); market value at date of loss (4 years or older). The policyholder may choose to retain the salvage (deducted from indemnification) or transfer it to the insurer in exchange for the full indemnification. Indemnification never exceeds the actual purchase price paid by the current owner.

Where the vehicle is repairable (partial loss), the full repair cost is covered provided it does not exceed 75% of the new value for vehicles up to 1 year old, or does not exceed the market value (valor venal) for vehicles over 1 year old. Fixed original factory accessories are covered without any separate limit; factory-fitted audio, navigation, telephony and video systems are covered up to the limit stated in the particular conditions. Tyres are covered at new value in accidents involving collision with an identified vehicle affecting other vehicle parts; otherwise at market value.

Covers unlawful taking of the insured vehicle by third parties, whether by theft with force or violence (robo) or without (hurto), and attempted theft. Valuation in case of total vehicle theft: new value for vehicles up to 2 years old; market value +15% for vehicles aged 2–4 years; market value at date of loss for vehicles 4 years or older. In case of damage to the vehicle while in the possession of third parties during or after attempted theft: repair cost covered if <75% of new value (up to 2 years) or <market value (over 2 years). Fixed indispensable vehicle parts stolen are covered by repair/replacement cost. Wheels, rims, tyres and hub caps only covered in case of complete vehicle theft. The insured must file a police report. If the vehicle is recovered within 40 days, the insured must accept it back and the insurer covers repair of theft-related damages. If recovered after 40 days, the vehicle passes to the insurer but the insured may opt to recover it by returning the indemnification received.

Covers total or partial damage to the vehicle's windows caused by an external, instantaneous, violent cause beyond the policyholder's control, including weather events. Specifically covers replacement, fitting or repair of: front windscreen (parabrisas), side windows (ventanillas laterales) and rear window (luneta trasera). Balumba works with specialist glass repair networks including Carglass. The policyholder may also choose their own trusted workshop. Optional deductible may apply per particular conditions. Excluded: headlights, tail lights, indicators, mirrors, non-factory-installed sunroofs, other types of glass/plastic/synthetic elements, scratches and impact marks that do not constitute partial or total breakage, and reimbursement where glass is not replaced or repaired.

Hail and lightning strike are explicitly included within the own damage (daños propios) coverage underwritten by AECS. Extraordinary natural events such as earthquakes, extraordinary flooding, volcanic eruptions, atypical cyclonic storms (winds >120 km/h), and tornadoes fall under the mandatory Spanish Consorcio de Compensación de Seguros scheme and are not covered by AECS directly. The policyholder pays a statutory surcharge (recargo) to the Consorcio alongside the premium, which then covers those extraordinary perils.

Malicious acts by third parties (hechos malintencionados de terceros) are explicitly listed as a covered cause within the own damage (daños propios) section of the policy underwritten by AECS. Deliberate acts by the policyholder, insured, or authorised driver are excluded.

Optional roadside assistance underwritten by Europ Assistance España. Included by default in Balumba's todo riesgo but can be excluded if the policyholder already has this coverage elsewhere. Covers: on-site repair (in situ) within 30 minutes; towing to nearest brand workshop within 100 km radius (General/Integral products) or to the usual workshop if the incident occurs in the same province of residence; vehicle rescue up to EUR 300; vehicle custody up to EUR 150; hotel accommodation for up to 2 nights (EUR 60/person/day) if immobilisation exceeds 24 hours at over 25 km from home; transfer of policyholders/passengers to origin or destination; long-distance vehicle transport; spare parts search and dispatch; legal abroad advance (up to EUR 3,000); funds advance (up to EUR 2,000); 24/7 urgent message transmission; duplicate key dispatch (shipping costs up to EUR 120). Balumba guarantees tow truck arrival within 45 minutes; if not met, EUR 50 compensation is paid to the customer (subject to force majeure). Territorial scope: Spain and Europe (General/Integral products from km 0 for vehicles; km 25 for persons).

Optional coverage provided by ARAG (legal defence insurer). Available for accidents occurring in Spain that immobilise the vehicle. Provides a Category C replacement vehicle (subject to rental company availability) or reimbursement of rental costs up to EUR 30/day. The number of rental days depends on labour hours required for repair: up to 3 days (4–8 hrs); up to 4 days (8–12 hrs); up to 5 days (12–16 hrs); up to 6 days (16–20 hrs); up to 10 days (>20 hrs or total loss); up to 10 days in case of theft. An extended version also covers breakdown (avería) in addition to accident, with a 7-day waiting period for breakdown cases. Maximum 2 claims per policy year. Policyholders with disabilities may access an automatic vehicle at up to EUR 60/day.