Direct Seguros
Direct Seguros is a motor casco insurance for the ES market with online purchase and 24/7 assistance.
Direct payment
The insurer is obligated to pay indemnification immediately after completing the investigations and expert assessments needed to establish the existence of the claim and the amount of damages. The insurer is considered in default if it has not fulfilled its obligation within three months of the loss, or has not paid the minimum amount owed within forty days of receiving the claim declaration. Indemnification is paid by bank transfer or by repair/replacement of the vehicle.
Geographic scope
Spain (primary); EEA and Multilateral Guarantee Convention countries for RC and fire/theft/damage coverages; Spain and Andorra for Standard roadside assistance
For civil liability, own damage, fire, theft and glass coverages: all EEA countries and states party to the Multilateral Guarantee Convention; for Standard roadside assistance: Spain and Andorra (km 0); for Premium roadside assistance (optional): Spain, Morocco, EEA and Inter-Bureaux Convention countries. Insured must reside habitually in Spain; trips outside Spain limited to 60 days each.
Unique selling points
- Roadside assistance included from km 0 in all modalities, with 24/7 dedicated phone line (900 300 100) covering both vehicle and occupants.
- Free choice of repair workshop throughout Spain included as standard, with no obligation to use the insurer's network for own damage claims.
- Healthcare expenses up to 3,000,000 EUR covered when using concertado (network) healthcare centres after a traffic accident, included in all modalities.
- Optional helmet and motorcycle gear damage coverage (up to 250 EUR for conductor, 350 EUR for passenger) available as an add-on in any modality, a benefit competitors often exclude.
- 100% online purchase and management (quote, policy issuance, claims) backed by AXA Group's financial strength, with no intermediary costs.
Coverage limits
Own damage (Daños propios)
Covered
The insurer covers the cost of repair or indemnification of damaged parts of the insured motorcycle as a consequence of an accident, whether in motion, at rest or during transport. A deductible (franquicia) of 10% of the claim value with a minimum of 250 EUR applies. Personal belongings of occupants damaged simultaneously are covered up to 300 EUR. Urgent repairs to elements necessary for normal circulation (lighting system, locking device) may be carried out by the insured up to a limit of 1,000 EUR with presentation of original invoices. Total loss is declared when repair cost equals or exceeds 100% of the vehicle's value-as-new (for vehicles ≤12 months old from first registration) or market value (for vehicles >12 months old).
Total loss
Covered
Total loss is declared when the cost of repair equals or exceeds 100% of the vehicle's value. Indemnification is based on the vehicle's age from first registration: 100% of value-as-new (valor a nuevo) if the vehicle is ≤12 months old, or 100% of market value (valor de mercado) if the vehicle is >12 months old. The applicable deductible and the value of salvage (which remains with the insured) are deducted from the indemnification. Total loss due to own damage, fire or theft causes policy extinction; unearned premiums remain with the insurer.
Partial loss / own damage repair
Covered
Partial damage to the insured vehicle caused by an accident is covered under the Daños propios guarantee. The insurer covers the cost of repair of the damaged parts. A deductible of 10% of the claim value with a minimum of 250 EUR applies. Tyre damage is covered at new value only when caused by collision with an identified vehicle; in other cases (collision with unidentified objects or no collision), tyres are indemnified at their venal/used value.
Theft / robbery (Robo total del vehículo)
Covered
In the event of total theft of the insured vehicle, the insurer covers the cost of indemnification or replacement with an equivalent vehicle. Indemnification is based on the vehicle's age: 100% of value-as-new (valor a nuevo) if the vehicle is ≤12 months old from first registration, or 100% of market value (valor de mercado) if >12 months old. The deductible, if applicable, and the value of salvage are deducted. For theft to be covered, there must be evidence of force (forced steering, forced anti-theft system, electrical system modification, or bodily violence/threats). The insured must report the theft to the competent authority. If the vehicle is recovered within 30 days, the insured must accept its return; if after 30 days, the vehicle becomes property of the insurer (unless insured opts to recover it within 15 days of communication). A deductible of 10% with minimum 250 EUR applies under Todo Riesgo con Franquicia and Terceros Ampliado modalidades.
Glass damage
Excluded
The motorcycle insurance T&C (Mi Moto Direct) does not provide a standalone glass damage coverage. Motorcycles typically do not have windscreens covered as a separate guarantee in this product. The general conditions list coverage for own damage (Daños propios) which covers accident-related parts, but explicitly exclude simple scratches on optics, mirrors and lenses caused by normal wear. No specific luna/cristal coverage is mentioned for the motorcycle product.
Natural perils
Conditional
Extraordinary natural events (earthquake, volcanic eruption, atypical cyclonic storm, celestial body falls, extraordinary flooding) are covered by the Consorcio de Compensación de Seguros (CCS), not directly by the insurer, provided the corresponding CCS surcharges have been paid by the policyholder. Within the own damage (Daños propios) guarantee, damage caused by hail (pedrisco/granizo) is covered conditionally: repair and expert assessment must be carried out at workshops designated by the insurer. Other atmospheric or thermal phenomena are explicitly excluded from the Daños propios guarantee. Natural perils coverage via CCS applies to both Terceros Ampliado and Todo Riesgo modalities.
Vandalism
Excluded
Vandalism is not covered as a standalone guarantee. The theft exclusions explicitly exclude repair or replacement of damaged or stolen parts of the insured vehicle and its fixed elements as a consequence of robbery attempt or vandalism (acto vandálico). Extraordinary events of a social/political nature (terrorism, riot, civil unrest) are covered by the Consorcio de Compensación de Seguros rather than the insurer directly.
Roadside assistance (Asistencia en viaje)
Covered
Standard roadside assistance (Asistencia en viaje Estándar) is included in all modalities and covers Spain and Andorra from km 0 for the vehicle and from km 25 for persons. Services include: on-site repair (insurer covers labour; insured pays for parts); towing to nearest/designated workshop in case of accident (up to 100 km radius for breakdown); passenger/driver transfer up to 100 EUR or hotel accommodation up to 1 night/100 EUR (if accident occurs >25 km from home); storage costs up to 75 EUR; repatriation of injured or deceased; companion travel for hospitalised minor. 24/7 phone line available (900 300 100). Does not cover: lack of fuel, flat tyre air pressure (without puncture), lost/stolen keys. Premium roadside assistance (optional) extends territorial scope to Spain, Morocco, EEA and Inter-Bureaux countries and adds: up to 200 EUR transfer/hotel (3 nights), 300 EUR rescue limit, 125 EUR storage, abroad legal defence up to 600 EUR, judicial bail advance up to 5,000 EUR, key duplicate courier up to 50 EUR, hotel immobilisation up to 200 EUR total.
Replacement vehicle
Excluded
The Mi Moto Direct T&C does not provide a replacement motorcycle as a standalone coverage. The roadside assistance guarantee includes transfer of occupants or hotel accommodation as alternatives when the vehicle is immobilised, but does not provide a substitute motorcycle. No replacement vehicle benefit is mentioned in the motorcycle policy general conditions.
Driver personal accident (Accidentes personales del conductor)
Covered
Included in all modalities (Terceros Básico, Terceros Ampliado and Todo Riesgo). Covers bodily injury to the driver (insured) as a result of a traffic accident with the insured vehicle causing death or permanent disability, as well as healthcare expenses. Death benefit: insured capital paid to beneficiaries; an advance payment of 1,500 EUR is available immediately upon accreditation of the payment obligation. Permanent disability: percentage of insured capital based on disability table (e.g., 100% for complete paralysis, blindness, loss of both arms; 50% for leg above knee; 30% for loss of vision in one eye; etc.). Healthcare expenses: up to the limit in Condiciones Particulares at free-choice centres, or up to 3,000,000 EUR at Concertado healthcare centres. Capital amounts are set in Condiciones Particulares (not fixed in general conditions). A single accident does not give simultaneous right to both death and permanent disability indemnification.
Key conditions
driver_age_experience_limit
Drivers under 26 years of age and/or with a driving licence valid for the insured vehicle of less than 2 years must be expressly declared and identified in the policy. If not declared, damages caused by or to the insured vehicle when driven by such a person are excluded from all voluntary coverages (Daños propios, RC Voluntaria, etc.). Additionally, coverage is excluded when the vehicle is driven without a valid licence or by someone whose licence has been revoked.
repair_network_requirements
For own damage claims, the insured has free choice of workshop within Spanish territory. However, for hail/pedrisco damage under the own damage guarantee, repair and expert assessment must be carried out at workshops designated by the insurer. For Standard roadside assistance, the vehicle is towed to the nearest insurer-designated workshop (or, if free-choice-of-workshop is contracted, to the insured's chosen workshop within a 100 km radius from the incident). A 3-year repair warranty is mentioned for network workshops per the official website.
territorial_scope
For civil liability, own damage, fire, theft and glass coverages: all EEA countries and states party to the Multilateral Guarantee Convention. For states party to the Inter-Bureaux Convention, the international Green Card certificate must be requested in advance. Standard roadside assistance covers Spain and Andorra (from km 0 for vehicle, km 25 for persons). Premium roadside assistance (optional) covers Spain, Morocco, EEA and Inter-Bureaux Convention countries. The insured must habitually reside in Spain; trips outside usual residence in Spain are limited to 60 days each.
anti_theft_requirements
For the theft guarantee to apply, there must be evidence of force on the objects, such as forced steering, forced anti-theft system, modification of the electrical system to facilitate ignition, or bodily violence or threats to persons. Simple misappropriations not reported to the competent authority are excluded. The insured must take all protective measures within their reach to prevent theft.
claim_notification_deadline
The policyholder, insured or beneficiary must notify the insurer of the occurrence of a claim within a maximum period of seven days of becoming aware of it, providing the insurer with all information and details about the claim. Failure to comply may entitle the insurer to claim damages caused by the lack of notification, unless the insurer learned of the claim by other means.
deductible_rules
A deductible (franquicia) of 10% of the claim value with a minimum of 250 EUR applies to own damage (Daños propios), fire (Incendio) and theft (Robo) coverages under the Todo Riesgo con Franquicia and Terceros Ampliado modalities. The deductible is payable by the insured per claim. No deductible applies to third-party liability (RC Obligatoria and Voluntaria), roadside assistance, driver accident, or legal protection coverages.
Where to buy
Policy specifics
Helmet damage coverage limit - conductor
Maximum annual indemnity for helmet damage in case of accident, covering repair or replacement up to 250€ per year
Helmet and clothing damage coverage limit - passenger
Maximum annual indemnity for passenger helmet and motorcycle-specific clothing damage in case of accident, covering repair or replacement up to 350€ per year
Accident requirement for helmet coverage
Coverage only applies to helmet damage suffered in case of accident with the insured motorcycle
Helmet coverage as optional add-on
Helmet damage coverage (for both conductor and passenger) is available as an optional add-on for any Direct motorcycle insurance modality (Terceros Básico, Terceros Ampliado, or Todo Riesgo)