CASER Casco (own-damage car insurance) (Caser Auto)

Covers damage to the insured vehicle caused by an external, violent and instantaneous event (collision, overturning, impact with objects or animals, vandalism, subsidence, fire, explosion, lightning), whether in circulation or at rest. Repairs valued at cost of parts, paint, labour and VAT. Total loss declared when estimated repair exceeds 75% of valor venal (or valor de adquisición if applicable): indemnified at 100% valor venal; for private-use cars up to 2 years from first registration at 100% valor de adquisición; in year 3 at 120% valor venal. Deductible (franquicia) amount specified in Condiciones Particulares (from €200). Excludes mechanical/electrical breakdowns and ordinary wear.

Pérdida total is declared when the estimated repair cost exceeds 75% of the vehicle's valor venal or valor de adquisición (where applicable). Settlement is made deducting the value of salvage remains which stay with the insured. For private-use cars: 100% valor de adquisición in years 1-2 from first registration; 120% valor venal in year 3; 100% valor venal thereafter.

Damage repairs where the estimated cost does not exceed 75% of the valor venal are covered at cost of parts, paint, labour and VAT (or equivalent taxes not recoverable by the insured). Series elements are indemnified accordingly; optional elements at 100% of the declared first-risk value.

Covers loss or damage to the insured vehicle in the event of theft (robo, hurto, or robo/hurto de uso) by third parties, or attempted theft. Full theft (sustracción completa) is declared if the vehicle is not recovered within 40 days of the declaration to CASER. Indemnification: 100% valor venal; for private-use cars in years 1-2 at 100% valor de adquisición; year 3 at 120% valor venal. Tyres and battery at 100% valor venal. Also covers 100% of damage incurred while the vehicle is in the hands of the thieves. Damage from theft by family members or employees excluded.

Covers the cost of repair or replacement and fitting of windscreen (parabrisas), rear window (luneta trasera), side windows (ventanillas laterales) and factory-fitted sunroof (techo solar de serie) in the event of total or partial breakage caused by an instantaneous, violent cause independent of the owner's/driver's will. Repair valued at cost of glass, labour and VAT. Scratches, surface deterioration, and damage to lights/mirrors excluded. Meteorological damage excluded except hail (pedrisco).

Within Modalidad Segunda (own damage), fire/explosion and lightning (rayo) are covered; hail (pedrisco) is covered. Seismic/atmospheric damage and thermal damage (excluding hail and lightning) are explicitly excluded from Mod. Segunda. Extraordinary natural events (floods, earthquakes, volcanic eruption, atypical cyclonic storms, meteorites, terrorism, riots) are covered by the Consorcio de Compensación de Seguros under Art. 47 (Cláusula de Cobertura de Riesgos Extraordinarios), provided the policyholder has paid the corresponding surcharge.

Malicious acts by third parties (hecho malintencionado de terceros) are expressly included in the own-damage guarantee (Modalidad Segunda), provided the act does not have a political or social motivation. This covers intentional damage to the vehicle by unknown third parties.

Optional coverage providing 24-hour roadside assistance from km 0 across Spain, Europe (including Russia up to the Ural) and non-European Mediterranean countries. For Category 1 vehicles: emergency mechanical repair up to €120 at the scene; towing to nearest garage or to chosen garage within 25 km of declared domicile; vehicle rescue up to €350; spare parts dispatch; passenger accommodation up to €43/night for up to 5 nights or transfer to home; medical expense reimbursement abroad up to €6,000. Asistencia Más (optional upgrade) extends to €8,000 medical abroad, towing to chosen garage anywhere in Spain/abroad, accommodation up to €80/night, advance up to €3,000 abroad.

Optional Modalidad Décima provides a hired replacement vehicle when the insured vehicle is immobilised due to an accident, theft/robbery attempt, or theft (including when the vehicle has disappeared). Available only for first-category vehicles for private/private-business use, after towing by CASER. Limits: up to 10 natural days for accident; up to 15 natural days for total loss; up to 30 natural days for theft/robbery (theft report required). Valid in Spain, Europe including Russia to the Ural, and non-EU Mediterranean countries. Not applicable if vehicle still driveable, for vandalism/parking damage, or if insured fails to contact CASER.