Divina Seguros
Divina Seguros is a motor casco insurance for the ES market with online purchase and 24/7 assistance.
Direct payment
Divina Seguros operates a recommended repair-workshop network; the insured may also choose their own workshop. Claims are handled by telephone notification followed by assessment.
Geographic scope
Spain
Spain; roadside assistance extended to Europe and non-European Mediterranean-rim countries
Unique selling points
- Roadside assistance included 365 days a year, 24 hours a day, from kilometre 0 across Spain and Europe at no extra cost.
- In the event of a total loss, the vehicle is reimbursed at new-replacement value during the first two years of the policy.
- Four selectable deductible levels (180, 300, 450 and 600 EUR) allow customers to balance premium cost against their out-of-pocket exposure.
- Access to an extensive recommended-workshop network with discounts exclusive to Divina Seguros policyholders, with freedom to use any workshop.
- Cleaning and vehicle-conditioning expenses are included by default in the all-risk policy, unlike competitor products where this is a paid add-on.
Coverage limits
Own-vehicle damage (daños propios)
Covered
The Todo Riesgo con Franquicia policy covers repair of own-vehicle damage even when the insured is at fault, subject to the agreed deductible (franquicia options: 180, 300, 450 or 600 EUR). No monetary cap stated in available sources.
Total loss (siniestro total)
Covered
In the event of a total loss, indemnification is at new-vehicle value during the first two years of the policy; no specific monetary cap is stated in available sources.
Partial loss / partial damage
Covered
Partial own-damage repair is included in the Todo Riesgo con Franquicia modality, subject to the agreed deductible. No separate monetary cap stated in available sources.
Theft and robbery
Covered
Theft (robo) of the vehicle is included in the Todo Riesgo con Franquicia policy. No specific monetary cap stated in available sources.
Glass / windscreen damage
Covered
Glass breakage (rotura de lunas) is included in the Todo Riesgo con Franquicia policy. No specific monetary cap stated in available sources.
Natural perils / weather events
Covered
Damage caused by natural phenomena (fenómenos de la naturaleza), including floods and storms, is included in the Todo Riesgo con Franquicia policy. No specific monetary cap stated in available sources.
Vandalism
Covered
El vandalismo queda cubierto bajo la cobertura de daños propios, incluida en el todo riesgo con franquicia. Los daños a cristales por actos vandálicos están cubiertos por la cobertura de rotura de lunas (incluida desde terceros ampliado). Daños propios más amplios (arañazos, carrocería) solo en todo riesgo.
Roadside assistance
Covered
Roadside assistance is included 365 days a year, 24 hours a day, from kilometre 0, covering Spain, Europe and non-European Mediterranean-rim countries.
Replacement vehicle
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El vehículo de sustitución es una cobertura opcional disponible desde terceros ampliado y en el todo riesgo. La duración exacta en días no está publicada en fuentes públicas de Divina Seguros.
Driver accident
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La cobertura de accidentes del conductor (muerte e invalidez permanente) está incluida en el seguro todo riesgo de Divina Seguros. El capital exacto asegurado para la póliza de auto no está publicado en fuentes públicas; en el seguro de accidentes personal independiente, las cuotas van de 15 a 60 EUR/mes con indemnizaciones variables.
Key conditions
driver_age_experience_limit
No explicit minimum age or licence-years requirement stated for the Todo Riesgo con Franquicia product in available official sources.
repair_network_requirements
Divina Seguros operates a recommended workshop network (red de talleres recomendados); the insured may alternatively use a workshop of their own choice.
territorial_scope
Spain (full territory); roadside assistance extended to Europe and non-European Mediterranean-rim countries.
anti_theft_requirements
No specific anti-theft device requirements stated in available official sources for this product.
claim_notification_deadline
No specific claim-notification deadline stated in available official Divina auto sources for this product.
deductible_rules
A deductible (franquicia) applies to own-damage claims. Available deductible options are 180, 300, 450 and 600 EUR, agreed at policy inception. The insured pays the deductible amount and the insurer covers the remainder of the repair cost.
Policy specifics
Deductible options
The Todo Riesgo con Franquicia policy offers four deductible levels: 180, 300, 450 and 600 EUR. The chosen amount is payable by the insured per own-damage claim; the insurer pays the balance.
New-value indemnification in total loss
In the event of a total loss (siniestro total), the vehicle is indemnified at its new (replacement) value during the first two years of the policy. After two years the indemnification basis is not specified in available sources.
Cleaning and conditioning expenses included by default
Unlike the terceros modalities where cleaning and conditioning (limpieza y acondicionamiento) is an optional add-on, this expense is included by default in the Todo Riesgo con Franquicia policy.