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| Feature / category | Agrupació Jul 18, 2026 Open details | Allianz May 14, 2026 Open details | AXA May 14, 2026 Open details | Balumba Jul 18, 2026 Open details |
|---|---|---|---|---|
| Overview | ||||
Insurer | AMGEN Seguros Generales, Compañía de Seguros y Reaseguros, S.A.U. | Allianz, Compañía de Seguros y Reaseguros, S.A. | AXA Seguros Generales, S.A. de Seguros y Reaseguros | Admiral Europe Compañía de Seguros S.A.U. |
Online purchase | Yes | Yes | Yes | Yes |
24/7 helpline | Yes | Yes | Yes | Yes |
Starting price | — | — | — | €323 |
Billing basis | annual | annual | annual | annual |
Unique selling points |
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IPID | IPID | IPID | IPID | Not available |
Terms & conditions | ||||
| Coverage | ||||
Own damage | — | Covered | Covered | Covered |
Total loss | €2 | Covered | Covered | Covered |
Partial loss | — | Covered | Covered | Covered |
Theft & robbery | — | Covered | Covered | Covered |
Glass damage | — | Covered | Covered | Covered |
Natural perils | — | Covered | Optional | Covered |
Vandalism | — | Covered | Covered | Covered |
Roadside assistance | Covered | Covered | Covered | Optional |
Replacement vehicle | A free replacement vehicle is provided by the concerted (network) workshops while the insured vehicle is being repaired. Additionally, if the vehicle is immobilised due to accident, breakdown, repair or inspection, the policy can be temporarily transferred free of charge to a similar loan vehicle for up to one month. A vehicle on hold pending sale is also covered with the same guarantees for up to 30 days when a new vehicle is acquired. | Optional | Optional | Optional |
Driver accident | — | Covered | €15,000 – €50,000 | Optional |
| Key conditions | ||||
Driver age experience limit | No specific driver age or experience minimum is stated in the verified official sources for this product. The product is available for private-use passenger cars, MPVs, SUVs, derived vehicles, vans, motorcycles and mopeds, provided they are for exclusively private use. | 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 Coverage is void if the vehicle is driven without a valid licence, with an expired, temporarily withdrawn, or non-Spanish-approved licence. | 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. | 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 | Agrupació operates a network of concerted (approved) workshops. Using these workshops guarantees: original manufacturer parts, lifetime paint guarantee, pre-delivery cleaning and technical inspection, and a free replacement vehicle during the repair. For repairs outside the network, assessment by an Agrupació appraiser is completed within 24 hours. The insured may also choose to have the vehicle transported to a workshop of their own choice near their home. | 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. | 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). | 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 | The product covers vehicles registered in Spain for private use. Vehicles with foreign licence plates cannot be insured under this product; they must be insured with a company established in the country of registration. Travel assistance coverage applies across Spain and also when travelling without the vehicle. | 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. | 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. | 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 | No specific anti-theft device requirement is stated in the verified official Agrupació product pages for this product line. | 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. | 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. | 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 | In the event of a vehicle sale, the policyholder must notify the insurer in writing within 15 days, as required by Article 34 of the Insurance Contract Act. General claim notification requirements are not explicitly detailed in the verified online product sources; full terms are in the policy conditions. | 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. | 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. | 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 | The deductible (franquicia) is the amount borne by the insured for each claim. It applies to own-damage and other selected coverages per the particular conditions. The annual premium is indivisible; even under a fractional payment arrangement, the full annual premium is owed. The deductible is only payable when a claim occurs under the coverages to which it applies. | 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. | 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). | 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. |
Driver age experience limit notes | Estándar del mercado español: conductores menores de 25 años y/o con menos de 2 años de antigüedad de carnet son considerados perfil de alto riesgo. Muchas aseguradoras los excluyen de cobertura de daños propios salvo declaración expresa como conductor en la póliza. Agrupació aplica condiciones estándar del mercado español. | Not available | Not available | Not available |
Anti theft requirements notes | En España no existe obligación legal de instalar dispositivo antirrobo para tener cobertura de robo. Algunas aseguradoras pueden exigirlo o aplicar descuentos por alarma, inmovilizador o GPS. Agrupació no publica requisito antirrobo específico en fuentes accesibles; sigue el estándar del mercado. | Not available | Not available | Not available |
| Proof and next steps | ||||
Direct payment policy | Repairs carried out at Agrupació's network of concerted workshops include original parts, lifetime paint guarantee, cleaning and technical inspection prior to delivery, and a free replacement vehicle during repair. For repairs outside the network, appraisal is performed within 24 hours. Direct payment to the workshop is standard for concerted-network repairs. | 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. | 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. | Balumba manages vehicle repairs through its network of over 650 authorised bodywork and mechanics workshops nationwide; the policyholder may also freely choose their own trusted workshop. For repairs carried out through the network, Balumba pays the workshop directly. For out-of-network repairs or reimbursement claims, original invoices must be submitted. |
Last verified | Jul 18, 2026 | May 14, 2026 | May 14, 2026 | Jul 18, 2026 |