Generali

Covers partial and total material damage to the insured vehicle caused by collision with other vehicles or any fixed or mobile object, rollover, sinking of terrain/bridges/roads, wilful acts of third parties (not terrorism/war), manufacturing defects, hailstorm, and transport of the insured vehicle. Vandalism and natural perils (except Consorcio-covered catastrophes) are included within this guarantee. Indemnification: for partial losses, actual repair cost; for total loss, 100% of replacement value if vehicle age < 2 years and first owner, otherwise venal value (minus salvage). A franchise (deductible) may be agreed. Salvage expenses capped at EUR 1,000 per claim; ITV costs capped at EUR 150; vehicle immobilization allowance EUR 60/day max EUR 3,000 per claim.

Covers total loss of the insured vehicle arising from the covered perils of Theft, Own Damage or Fire. A sinister is classified as total loss when material damage causes destruction, disappearance or complete write-off of the vehicle, or when repair costs exceed the vehicle's Valor Depreciado (replacement value minus 1% per month from first registration, floor 10% of replacement value). Indemnification: 100% of Valor de Reposición (replacement value at day of loss including taxes) if vehicle age < 2 years and first owner; for older vehicles or transferred ownership, the Valor Depreciado. Salvage expenses up to EUR 1,000 per claim.

Partial material damage to the insured vehicle covered under the Daños del Vehículo guarantee. Indemnification at actual repair cost of parts replaced and labour. Excludes tyre-only damage unless the vehicle suffers other material damage simultaneously. A deductible may be agreed in the policy particulars. Urgent repairs up to EUR 200 may be carried out without prior authorisation.

Covers loss of or damage to the insured vehicle resulting from theft (force on property), expropriation (force/intimidation on persons), simple theft (hurto) and theft of use (hurto de uso). Also covers 100% of damage caused to the vehicle during the theft or attempted theft. Theft of complete vehicle or all tyres: indemnified at 100% of Valor de Reposición if age < 2 years and first owner, otherwise Valor Depreciado. Partial theft of fixed elements: 100% of new value (batteries and tyres at 80% of new value). For external elements only (mirrors, wipers, brand badges): cap of EUR 1,000 per claim per annual period. Insurer has 40 days to attempt recovery before paying indemnity. Theft must be reported to competent authorities; copy of police report must be provided.

Covers repair or replacement of the windscreen, rear window, side and other vehicle glass panels rendered unusable by accidental breakage or fragmentation. Also covers repair of damage to the front panoramic windscreen when the nature and extent of the damage permits. Glass coverage also includes the glass roof if it is standard or expressly declared in the policy. Excludes: defective installation damage, damage to headlights/mirrors/indicators, superficial scratches that do not affect normal visibility, non-standard glass or glass with serigraphs/art (indemnification limited to standard model value in that case).

Natural perils such as hail, falling trees/poles, landslides, subsidence of terrain/roads/bridges, and falling into water are covered under the Daños del Vehículo guarantee. Coverage applies unless the damage is classified by the Government as a national catastrophe or calamity (in which case Consorcio de Compensación de Seguros covers it). Only available for passenger cars (turismos) when contracted as a separate 'Fenómenos de la Naturaleza' guarantee per the IPID; when part of the broader Daños del Vehículo, all vehicle types benefit.

Wilful damage by third parties (vandalism) and damage during legally authorised demonstrations and strikes are covered under the Daños del Vehículo guarantee, provided the insured has made every effort to prevent the act and it does not derive from terrorism, rebellion, sedition, riot, or acts of Armed Forces/Security Forces (which are Consorcio-covered risks). Pre-existing damage prior to the vandalism act is excluded.

Comprehensive roadside and travel assistance covering: emergency mechanical repair (up to 60 minutes); towing to nearest official dealer or insured-chosen garage up to 100 km (EUR 240.40 limit); vehicle rescue (up to EUR 600); vehicle repatriation when repair > 8 hours or immobilised > 3 days and > 100 km from home; legal vehicle abandonment; storage costs (up to 15 days, EUR 160 max); transport/repatriation of occupants (hotel EUR 61/night up to 4 nights; alternative car hire up to EUR 300); pickup of vehicle by insured; spare parts dispatch; duplicate key dispatch; theft of 4 wheels; medical assistance; sanitary repatriation (medical expenses abroad up to EUR 6,000); convalescence (EUR 61/day up to 10 days); family ticket (up to 10 nights); personal assistance (messages, minors, deceased, professional driver, early return, luggage, legal defence abroad up to EUR 1,250, advance bail up to EUR 6,100, advance funds up to EUR 1,500, interpreter up to EUR 1,200). Vehicle assistance scope: Spain, Europe and non-European Mediterranean coastal countries (200 km strip), from km 0. Person assistance scope: worldwide from km 0; medical expenses abroad only.

Provides a rental vehicle (insurer's choice) to replace the insured vehicle when it is immobilised as a result of a traffic accident or illegal seizure, provided the authorised repair time exceeds 8 hours per the brand's tariff, or the vehicle is classified as a total loss. Service starts on the same day the claim is notified and coverage is confirmed. Maximum duration: 21 calendar days for accident/repair cases; up to 30 calendar days when vehicle has been stolen. Rental cost includes third-party liability insurance but excludes fuel, deposit and damage insurance. Service is managed from Spain regardless of where the incident occurred. Must be contracted in the policy particulars. Only available for passenger cars (turismos) and vans (furgonetas).

Covers the authorised driver and/or occupants of the insured vehicle for bodily injury sustained in a traffic accident. Benefits include: death (100% of capital agreed in policy particulars); severe disability/total permanent invalidity (100% of capital); partial permanent invalidity (percentage of capital per baremo table); medical/surgical/pharmaceutical/hospitalisation expenses (unlimited if treated in insurer-designated or Consorcio-recognised centres in Spain; limited to sum insured if private choice in Spain or treatment abroad). Disability benefits and death benefits cannot be accumulated for the same accident. Death benefit for children under 14 is limited to funeral expenses by law.