FIATC
FIATC is a motor casco insurance for the ES market with online purchase and 24/7 assistance.
Direct payment
FIATC pays the repair shop directly when using its concerted network (TS Plus). The insured may also freely choose any other approved workshop, in which case costs may be reimbursed. Glass repair costs are charged directly to FIATC when a network glass repairer is used.
Geographic scope
Spain (nationwide)
Civil liability, own damage, theft, legal defence and glass cover extend to the European Economic Area, countries adhering to the Multilateral Guarantee Convention and the Inter-Bureaux Convention, plus Vatican City, Gibraltar, Liechtenstein, Monaco and San Marino. Legal defence for administrative traffic offences and licence suspension are limited to Spanish territory only. Roadside assistance extends worldwide/Europe/Spain depending on the policy variant selected.
Unique selling points
- Roadside assistance available 24/7 from kilometre 0, in Spain and abroad, accessible via freephone, FIATC App and WhatsApp.
- Total-loss indemnification at full new-replacement value for vehicles up to 2 years old, above the standard market-value floor offered by most competitors.
- Good-driver bonuses of up to 65% discount on the premium, accumulated progressively based on claims-free years.
- Complimentary Servicio Manitas (one annual hour of minor vehicle maintenance by a professional) included for private policyholders across all modalities.
- Flexible deductible options from EUR 200 to EUR 1,250 on the Todo Riesgo policy allow policyholders to tailor premiums to their risk appetite, with the option to buy with zero deductible.
Coverage limits
Own damage (daños propios)
Covered
Covers damage to the insured vehicle caused by accidents or collisions even when the insured driver is at fault, whether the vehicle is in motion or at rest. In the event of a total loss within the first 2 years of vehicle age, indemnification is at new-replacement value; in the third year, at market (venal) value plus 50% of the difference between market and new value. Deductible options of EUR 200 to EUR 1,250 are available in the with-franchise variant; the without-franchise variant has no deductible.
Total loss indemnification
Covered
In the event of a total loss (accident or fire), vehicles up to 2 years old are indemnified at 100% of new-replacement value. In the third year, indemnification equals market (venal) value plus 50% of the difference between market and new value. For theft total loss, new-replacement value applies during the first year.
Partial loss / partial damage
Covered
Covers partial damage to the insured vehicle (scratches, dents, collision damage) even when the insured is at fault. In the with-franchise variant, the insured pays up to the chosen deductible amount (EUR 200–1,250) per at-fault claim; the insurer covers the rest. Includes damage suffered while parked with no identified third party.
Theft and robbery
Covered
Covers total or partial theft of the insured vehicle and its accessories, including theft by distraction (leaving keys in car). Indemnification at new-replacement value in the first year for total theft; thereafter at market (venal) value. Partial theft of fixed parts is also covered.
Glass / window breakage
Covered
Covers repair or replacement of windscreen, side windows, rear window and sunroof. When using FIATC's network glass repairer, costs are charged directly to the insurer. Free choice of glass repairer is permitted, with reimbursement. Included in the Todo Riesgo policies; optional add-on in Terceros Ampliado and Terceros Básico.
Natural perils / atmospheric phenomena
Covered
Covers damage to the vehicle caused by non-catastrophic atmospheric phenomena including lightning strike, wind, hail/sleet, snow and rain. Also covers fire and explosion (whether in motion or at rest). Luggage and objects transported inside the vehicle are covered up to a maximum of EUR 900 in aggregate (EUR 100 per item) for fire or atmospheric damage. Catastrophic events (floods, earthquakes) are covered by the Consorcio de Compensación de Seguros, not FIATC.
Vandalism
Conditional
Coverage for damage caused by vandalism is referenced for the Todo Riesgo and Terceros Ampliado modalities with the qualifier 'según póliza' (subject to policy terms). Vandalism caused by terrorism or arson falls under the Consorcio de Compensación de Seguros. Full extent is subject to the specific Condiciones Particulares.
Roadside assistance
Covered
24-hour roadside assistance from kilometre 0, available 365 days a year, in Spain and abroad. Includes towing/rescue, tyre change, fuel delivery, key loss service, emergency repairs on site, and transport of vehicle and occupants to home or destination if the vehicle cannot be repaired the same day. Also covers medical transport and repatriation of injured occupants, hotel expenses and family travel costs. Accessible via freephone 900 302 020 (Spain) or +34 914 484 400 (abroad), FIATC App and WhatsApp.
Replacement vehicle
Covered
A replacement vehicle (or mobility reimbursement) is provided while the insured vehicle is immobilised in a workshop following an accident, breakdown or theft. Included in Todo Riesgo policies and some Terceros Ampliado variants. Specific conditions (waiting period, maximum days, daily cap) are defined in the Condiciones Particulares. One source references availability from day 4 of workshop stay up to 7 days, but current policy terms should be consulted.
Driver and occupant accident cover
Covered
Covers bodily injury to the driver and all vehicle occupants resulting from an accident. Includes medical, surgical, pharmaceutical and hospitalisation expenses, death indemnification, and permanent disability indemnification. Coverage for occupants extends territorially throughout Europe. In Todo Riesgo policies, the medical expense coverage applies from km 0.
Key conditions
driver_age_experience_limit
FIATC car insurance online (Maxiauto) is offered for private-use vehicles with drivers over 25 years of age who hold a driving licence with more than 2 years of seniority and who already have an existing car insurance policy. Younger or less experienced drivers may face higher premiums. Age and years of licence are key pricing factors.
repair_network_requirements
Free choice of repair workshop is permitted. FIATC operates the TS Plus network of concerted workshops offering preferential service, priority assessment and exclusive benefits at no additional cost. Using a network workshop facilitates direct billing to FIATC. For glass repairs, costs are charged directly to FIATC when a network glass repairer is used.
territorial_scope
Civil liability (mandatory and voluntary), own damage, theft, glass, and legal defence coverages extend to the EEA, countries adhering to the Multilateral Guarantee Convention and the Inter-Bureaux Convention, plus Vatican City, Gibraltar, Liechtenstein, Monaco and San Marino. Legal defence for traffic offences and licence-suspension cover are limited to Spain. Roadside assistance extends worldwide, to Europe or to Spain only depending on the variant contracted. For fire/theft claims occurring outside Spain, FIATC reserves the right to determine the place of repair.
anti_theft_requirements
No explicit anti-theft device requirement is stated in the reviewed sources for the standard Todo Riesgo product. Conditions may vary by Condiciones Particulares. Driving under the influence of alcohol or drugs, illegal use or reckless driving are contractual exclusions that can void coverage.
claim_notification_deadline
The insured must notify FIATC of a claim within 7 calendar days of the occurrence or discovery of the loss (Article 16 of the Spanish Insurance Contract Act). Notification can be made by phone (933 270 943 or 900 302 020), online via FIATC Online, by email (siniestros@fiatc.es), via the FIATC App, or in person at an office. Failure to notify within the legal period may allow the insurer to reduce or deny the indemnification.
deductible_rules
Two variants exist: (1) Todo Riesgo sin franquicia – the insurer covers 100% of all repair costs for covered claims; no deductible applies. (2) Todo Riesgo con franquicia – the insured bears up to the agreed deductible amount per at-fault claim; options range from EUR 200 to EUR 1,250. The deductible applies only to own-damage repairs where the insured is at fault and no responsible third party is identified; it does not apply to civil-liability (third-party) payments. If a third party is subsequently confirmed as responsible, the insurer may recover and refund the deductible to the insured.
Documents
FIATC Automobile General Conditions (Condiciones Generales Automóviles)
terms_and_conditions
Policy specifics
Own damage coverage
Coverage for damage to the insured vehicle caused by accidents, collisions, or other covered events, even when the insured is responsible
Theft and robbery coverage
Protection against total or partial theft of the vehicle and accessories, including theft when keys are left in the car
Fire coverage
Protection against fire, explosion, or combustion damage to the vehicle, whether in motion or at rest
Glass and window breakage coverage
Coverage for repair or replacement of windscreen, side windows, rear windows, and sunroof
Roadside assistance coverage
24-hour roadside assistance from kilometer 0 in Spain and abroad, including breakdown recovery, towing, and mobility services
Legal defense coverage
Coverage for legal defense expenses and damages claims resulting from traffic accidents, including criminal defense and traffic offense representation
Replacement vehicle coverage
Provision of a replacement vehicle or reimbursement of rental/taxi costs while the insured vehicle is under repair following an accident or breakdown
Deductible options
Comprehensive policies can include a deductible (franquicia) to reduce monthly premiums. Policyholder pays up to the deductible amount per claim.
Occupant coverage
Medical expenses coverage and indemnification (death, permanent disability) for vehicle occupants injured in accidents
Mandatory civil liability
Legal minimum coverage for bodily injury and material damage caused to third parties as a result of vehicle operation
Game animal collision coverage
Optional coverage for damage resulting from collision with game animals (wild boar, deer, etc.) during vehicle operation
License suspension coverage
Optional coverage providing monthly allowance and reimbursement of point recovery costs in case of driver's license suspension or point loss
Game animal collision coverage
Coverage for damage resulting from collision with game animals (wild boar, deer, etc.) during vehicle operation. Included in the Todo Riesgo modality; available as an optional add-on for Terceros and Terceros Ampliado.