Divina Seguros Casco (own-damage car insurance) (Todo Riesgo Con Franquicia)
Underwritten by Divina Pastora Seguros, Mutua de Seguros · Spain
casco (own-damage car insurance) from Divina Seguros for the Spain market, with 24/7 assistance.
Last verified Jul 18, 2026Sources
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.
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).
Section: Coberturas destacadas > Reparación de daños vehículo franquicia
En caso de que el vehículo presente daños, este seguro te ofrece la cobertura que necesites, con una franquicia, incluso siendo tú responsable de los mismos.
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.
Section: Ventajas de nuestro seguro de coche
Indemnización a valor de nuevo del vehículo, en caso de siniestro total, durante los 2 primeros años.
Partial loss / partial damage
Covered
Partial own-damage repair is included in the Todo Riesgo con Franquicia modality, subject to the agreed deductible.
Section: Coberturas destacadas > Reparación de daños vehículo franquicia
En caso de que el vehículo presente daños, este seguro te ofrece la cobertura que necesites, con una franquicia, incluso siendo tú responsable de los mismos.
Theft and robbery
Covered
Theft (robo) of the vehicle is included in the Todo Riesgo con Franquicia policy.
Glass / windscreen damage
Covered
Glass breakage (rotura de lunas) is included in the Todo Riesgo con Franquicia policy.
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.
Vandalism
Covered
Vandalism is covered under own-damage cover, included in the all-risk policy with deductible. Glass damaged by vandalism is covered by the glass-breakage cover (included from Terceros Ampliado upwards). Wider own damage (scratches, bodywork) is covered only in all-risk.
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.
Section: Ventajas de nuestro seguro de coche
Asistencia en carretera, 365/24 horas y desde Km. 0.
Replacement vehicle
Optional
A replacement vehicle is an optional cover available from Terceros Ampliado upwards and in the all-risk policy.
Section: Compara Nuestros Seguros > Seguro 1 Seguro Autos Todo Riesgo con Franquicia
Vehículo de sustitución
Key conditions
Driver age and 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.
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.
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.
Territorial scope
Spain; roadside assistance extended to Europe and non-European Mediterranean-rim countries
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.
SourceSection: Preguntas Frecuentes
Nuestras franquicias son de 180, 300, 450 y 600 euros.
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.
SourceSection: Ventajas de nuestro seguro de coche
Indemnización a valor de nuevo del vehículo, en caso de siniestro total, durante los 2 primeros años.
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.
SourceSection: Coberturas destacadas > Gastos de limpieza y mantenimiento incluido
El Seguro de Autos a Todo Riesgo con Franquicia incluye coberturas destacadas, como los gastos derivados de la limpieza del vehículo y el mantenimiento que necesite.
Sources
Divina Seguros Casco (own-damage car insurance)