Génesis Casco (own-damage car insurance) (Genesis Auto Todo Riesgo)

The insurer covers the cost of repair to the insured vehicle arising from an accident caused by an external, violent and instantaneous event regardless of the driver's will, whether the vehicle is in motion, stationary or in transit. Covered causes include collision, rollover, sinkhole, deliberate acts by third parties (provided the insured took reasonable steps to prevent them), manufacturing defects, and hail. Tyres are covered at 100% of new value when other vehicle elements are also damaged in a collision. For partial losses the indemnity equals the actual repair cost; for total loss it equals new value (vehicles ≤ 1 year, first owner) or market value (older vehicles or subsequent owners). No fixed monetary cap stated in the general conditions; sum insured is the vehicle value updated annually.

A total loss occurs when the estimated repair cost exceeds the new value (vehicle age ≤ 1 year) or the market value (vehicle age > 1 year). For vehicles up to 1 year old with the first owner, indemnity equals the new retail price (excluding road tax) minus salvage value; for older vehicles or subsequent owners, indemnity equals market value (Eurotax tables) minus salvage value. For financed vehicles, indemnity is paid first to the financing entity registered at the DGT.

Where the insured vehicle does not meet the total-loss threshold, the indemnity is calculated on the actual repair cost of the parts replaced and the labour used. A deductible (franquicia) may apply if agreed in the particular conditions; no deductible applies in total-loss claims.

Covers damage or loss of the insured vehicle and its elements resulting from unlawful seizure or attempted seizure by third parties. Full-vehicle theft: indemnity paid within 40 days; new value for vehicles ≤ 1 year (first owner) or market value otherwise. Partial theft of factory-fitted elements: 100% of new value (tyres/battery limited to 80% of new value); one indemnity per policy year for fixed in-vehicle electronics. Attempted theft: 100% of resulting damage covered. No deductible applies in total-loss/disappearance claims. Police report required.

Covers accidental breakage of laminated or tempered glass in the insured vehicle (windscreen, rear window, side windows and glass sunroofs) caused by an accidental, violent cause independent of the owner's or driver's will. Indemnity covers the cost of replacement parts and fitting labour, provided the replacement is actually carried out. Repair of damage to the front panoramic glass is also covered where the nature and extent of the damage allow. Damage to headlights, lights, indicators, mirrors and plastic sunroofs is excluded.

Hail (pedrisco) is included within the own-damage coverage (Art. 8) at no extra cost. Extraordinary natural events (earthquakes, extraordinary floods, volcanic eruptions, cyclonic storms, etc.) are covered by the Consorcio de Compensación de Seguros, included by law in every motor policy. Additionally, 'Daños meteorológicos' is listed in the IPID as an optional add-on that extends weather coverage beyond the base policy; 'Daños cinegéticos' (wildlife collision) is also an optional add-on.

Damage caused by malicious acts of third parties is covered under own-damage (Art. 8), provided the insured took all reasonable steps to prevent the act and the event is not derived from terrorism, rebellion, sedition, riot, popular unrest or acts by armed forces or security forces in peacetime (those risks are covered by the Consorcio de Compensación de Seguros). No separate monetary limit; indemnity follows the general own-damage rules. Interior upholstery damage caused while assisting accident victims is covered up to EUR 300 per claim.

24-hour roadside assistance from km 0, covering mechanical assistance or towing (max 60 minutes on-site; towing to the nearest official dealer or insured's chosen workshop within 100 km; towing costs covered up to EUR 240.40 per tow), vehicle rescue (up to EUR 600), vehicle repatriation (if repair > 8 hours or immobilised > 3 days and vehicle is > 100 km from the insured's home), hotel expenses (up to 4 nights at EUR 61/person/night), occupant transfer or hire car (up to EUR 300), key duplication, and a full set of personal and medical assistance guarantees including emergency medical transport, convalescence expenses (up to 10 nights at EUR 61/day) and medical/surgical/pharmaceutical expenses abroad (up to EUR 6,000). Vehicle assistance scope: Spain, Europe and Mediterranean-rim countries from km 0. Person assistance scope: worldwide from km 0.

A replacement vehicle is listed as an optional (paid add-on) coverage in the IPID. Within the base travel-assistance coverage, a hire car up to EUR 300 is available when the insured vehicle is immobilised for more than one day in Spain or more than three days abroad; this is a temporary travel measure rather than a standalone replacement-vehicle guarantee.