Extracted from source documents

FIATC Casco (own-damage car insurance) (Maxiauto Todo Riesgo)

Underwritten by FIATC Mutua de Seguros y Reaseguros · Spain

casco (own-damage car insurance) from FIATC for the Spain market, with online purchase and 24/7 assistance.

Last verified Jul 18, 2026Sources

Online purchase24/7 helpline

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, and market value plus 50% of the difference to new value in the third year.

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

Covered

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.

Covered

Total loss indemnification

100% of insured sum

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.

Section: FIATC Seguros Coche > Tipos de póliza > ¿Qué coberturas destacan? > Daños del vehículo y objetos

En caso de siniestro total (y dentro de los primeros 2 años de antigüedad del vehículo) la compañía indemniza con el 100% de su valor, mientras que en el tercer año la indemnización equivale al valor venal más el 50% -diferencia entre el valor venal y el valor nuevo-.

Covered

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.

Section: ¿Qué cubre el seguro a todo riesgo y con franquicia de coche? > Coberturas del seguro a todo riesgo con franquicia

La franquicia se aplicará únicamente cuando se haya de hacer frente a los gastos de la reparación del vehículo y siempre que no haya un tercero responsable del accidente.

Covered

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.

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 and Terceros Ampliado policies; optional in Terceros Básico.

Covered

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 carried in the vehicle are covered up to EUR 900 in aggregate under the vehicle-damage cover. Catastrophic events (floods, earthquakes) are covered by the Consorcio de Compensación de Seguros, not FIATC.

Section: Coberturas

Cubre los daños por accidente que pueda sufrir el vehículo, ya se encuentre este en circulación o en reposo. Dentro de esta cobertura se incluyen los daños que puedan sufrir los equipajes u otros objetos transportados en el turismo asegurado hasta un máximo en su conjunto de 900 €, el incendio del vehículo y los daños producidos por fenómenos atmosféricos no catastróficos como caída de rayo, viento, pedrisco, nieve, lluvia, etc.

Conditional

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.

Covered

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.

Covered

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.

Section: ¿Qué cubre el seguro a todo riesgo y con franquicia de coche? > Coberturas del seguro a todo riesgo

Vehículo de sustitución.

Covered

Driver and occupant accident cover

€15K

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. Indemnification for death or permanent disability is up to EUR 15,000; medical assistance expenses are covered up to EUR 3,000 outside agreed healthcare centres (unlimited within agreed centres, for 365 days from the accident). Coverage for occupants extends territorially throughout Europe. In Todo Riesgo policies, the medical expense coverage applies from km 0.

Section: Coberturas > Seguro de ocupantes

Hasta 15.000 € de indemnización en caso de muerte o invalidez permanente, y hasta un máximo de 3.000 € en concepto de gastos de asistencia sanitaria* derivados de un accidente producido con ocasión de: - ocupar como conductor o pasajero el vehículo asegurado. - subir o apearse de dicho vehículo. - efectuar cualquier acto para repararlo en ruta.

Key conditions

Driver age and 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.

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 ([email protected]), 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.

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.

Territorial scope

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.

Documents

FIATC Automobile General Conditions (Condiciones Generales Automóviles) (opens in a new tab)

Terms & conditions · PDF

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

Source

Section: Seguro de coche a todo riesgo > Ventajas del seguro de coche a todo riesgo > Seguridad: tienes la garantía de que los daños que sufras en tu vehículo quedarán cubiertos, aunque el siniestro sea ocasionado por ti, haya desacuerdo respecto al causante o, simplemente el causante sea desconocido.

Seguridad: tienes la garantía de que los daños que sufras en tu vehículo quedarán cubiertos, aunque el siniestro sea ocasionado por ti, haya desacuerdo respecto al causante o, simplemente el causante sea desconocido.

Theft and robbery coverage

Protection against total or partial theft of the vehicle and accessories, including theft when keys are left in the car

Source

Section: Seguro de coche a terceros ampliado > ¿En qué consiste este seguro? > Un aporte de tranquilidad en caso de incendio y robo

Además, en caso de que te roben el coche, tienes derecho a una indemnización por el importe correspondiente, incluso si se trata de un hurto que se produce, por ejemplo, porque te dejas las llaves puestas durante unos minutos en la puerta del coche.

Fire coverage

Protection against fire, explosion, or combustion damage to the vehicle, whether in motion or at rest

Source

Section: Seguro de coche a terceros ampliado > ¿En qué consiste este seguro? > Un aporte de tranquilidad en caso de incendio y robo

Si tu vehículo sufre un incendio por cualquier causa, los daños propios están cubiertos con el seguro a terceros ampliado.

Glass and window breakage coverage

Coverage for repair or replacement of windscreen, side windows, rear windows, and sunroof

Source

Section: Seguro de coche a terceros ampliado > ¿En qué consiste este seguro? > Todo arreglado en caso de rotura de lunas

Si se te rompen las lunas del coche puedes estar tranquilo con un seguro a terceros ampliado, ya que su reparación queda cubierta por la póliza.

Roadside assistance coverage

24-hour roadside assistance from kilometer 0 in Spain and abroad, including breakdown recovery, towing, and mobility services

Source

Legal defense coverage

Coverage for legal defense expenses and damages claims resulting from traffic accidents, including criminal defense and traffic offense representation

Source

Section: Ventajas de los seguros de coche FIATC

Asesoramiento jurídico: accedes a un servicio de asistencia jurídica para cuestiones vinculadas con el seguro.

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

Source

Section: Ventajas de los seguros de coche FIATC

Y mucho más: vehículo de sustitución, servicio de manitas y posibilidad de incluir choque con animales cinegéticos.

Deductible options

Comprehensive policies can include a deductible (franquicia) to reduce monthly premiums. Policyholder pays up to the deductible amount per claim.

Source

Section: Seguro de coche a todo riesgo > ¿En qué consiste este seguro? > Un seguro a todo riesgo a precio reducido

¿Quieres una prima más económica? Puedes conseguir un seguro a todo riesgo a un precio mejor si incluyes una franquicia en tu póliza.

Occupant coverage

Medical expenses coverage and indemnification (death, permanent disability) for vehicle occupants injured in accidents

Source

Section: Seguro de coche a todo riesgo > ¿En qué consiste este seguro? > Protección para el conductor

Además, en caso de sufrir alguna lesión corporal, dispones de cobertura de gastos médicos además de una indemnización por fallecimiento e invalidez permanente.

Mandatory civil liability

Legal minimum coverage for bodily injury and material damage caused to third parties as a result of vehicle operation

Source

License suspension coverage

Optional coverage providing monthly allowance and reimbursement of point recovery costs in case of driver's license suspension or point loss

Source

Section: Seguro de coche a terceros > ¿En qué consiste este seguro? > Un seguro personalizable

Si decides añadirla en tu póliza, en el caso de que pierdas los puntos del carnet de conducir, ya sea parcial o totalmente, tu seguro te respalda con el importe correspondiente a los gastos que implica su recuperación.

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.

Source

Section: Seguros de coche

Daños por colisión con animales cinegéticos incluidos en el todo riesgo y contratación opcional en el resto de modalidades

Sources

FIATC Casco (own-damage car insurance)

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