Helvetia
Helvetia is a motor casco insurance for the ES market with no online purchase and 24/7 assistance.
Direct payment
Repairs must be carried out at Helvetia's Premium network of approved workshops. Free choice of repair shop is not standard; use of non-network workshops may result in reimbursement limitations.
Geographic scope
Spain
Spain, European Economic Area, Gibraltar, Andorra, Monaco, San Marino and Vatican City for all coverages; Green Card countries for mandatory third-party liability; worldwide for insured persons under travel assistance.
Unique selling points
- New vehicle value (valor a nuevo) guaranteed for the first 3 years in the event of total loss, theft or fire, with a 30% market-value uplift thereafter for the life of the policy.
- 24-hour roadside assistance from km 0 (including towing, rescue, fuel delivery, tyre change, hotel and transport support) included as standard in all policy modalities via Asitur.
- Voluntary third-party liability extended to 50,000,000 EUR per accident, well above the Spanish legal minimum, plus coverage as pedestrian or cyclist (1,000,000 EUR) and for vehicle at rest (1,000,000 EUR).
- Free category B replacement vehicle for up to 5 days when the insured vehicle is immobilised for more than 40 hours due to an accident or theft, included as standard.
- Optional Valoración Plus pack includes vehicle repaint cover, error in fuel loading, luggage theft and damage, and key loss/theft — innovative coverages rarely offered by competitors as standard.
Coverage limits
Own vehicle damage (comprehensive)
Covered
Covers repair costs or total-loss indemnification for damage to the insured vehicle caused by a traffic accident, impact of objects, hail, fall of the vehicle, malicious acts/vandalism, or transport by authorised means. In total loss (repair estimate >75% of market value), indemnification is 100% of new value if vehicle is under 1 year old, or 100% of market (venal) value if over 1 year old, minus deductible and salvage value. A deductible per claim applies as specified in the Particular Conditions.
Total loss
Covered
Total loss exists when the estimated repair cost exceeds 75% of the market (venal) value of the vehicle. Indemnification: 100% of new value (valor de nuevo) if vehicle is under 1 year from first registration; 100% of market value (valor venal per GANVAM bulletin) if over 1 year. With the optional Valoración Plus pack, the vehicle is valued at 100% of new value for the first 3 years and thereafter at market value plus a 30% uplift for the life of the policy. Note: the 2006 T&C state new-value only for vehicles under 1 year, while current marketing materials state 3 years; the current official product page (helvetia.es) confirms the 3-year new-value / +30% thereafter structure for the Valoración Plus option.
Partial loss / repair costs
Covered
Repair costs for partial damage to the insured vehicle (not reaching the total-loss threshold of 75% of market value) arising from a traffic accident, hail impact, object impact, collapse of terrain or structures, malicious acts, or transport by authorised means. A deductible per claim applies as set out in Particular Conditions. Standard series accessories are covered at new value; AV/phone/navigation/battery/tyres are depreciated by vehicle age (100% yr1, 80% yr2, 60% yr3, 40% yr4+).
Theft and robbery
Covered
Covers complete theft of the insured vehicle and damage caused by theft attempt or partial robbery. Indemnification: 100% of new value (valor de nuevo) if theft occurs within the first year from first registration; 100% of market value (valor venal) thereafter. Accessories and standard series elements covered at new value (AV/phone/navigation/battery/tyres depreciated by age). Claim not payable until 30 calendar days after filing the police report. Anti-theft locator system must be active for theft coverage to apply.
Glass / windscreen damage
Covered
Covers repair or replacement of the windscreen, side door windows and rear window of the insured vehicle damaged by an external, violent cause beyond the control of the insured or driver, whether the vehicle is in motion, parked or being transported. A dedicated 24h telephone service is provided for authorisation. Excludes scratches, cracks that do not impair visibility, plastic panels, optics, mirrors, sliding roofs, and trailer windows.
Natural perils, wildlife and domestic animal collision
Optional
Optional coverage protecting against damage caused by weather events (hail, sleet, snow, wind, rain, lightning) and collisions with game species or domestic animals. Indemnification up to vehicle value according to age. Included within the Todo Riesgo (comprehensive) modality as standard; available as optional add-on in Terceros Premium.
Vandalism and malicious acts
Optional
Covers damage to the insured vehicle caused by malicious acts by third parties (vandalism). Covered within the own-damage guarantee (Daños al propio vehículo) in comprehensive (Todo Riesgo) policies. Available as an optional add-on ("Impacto y vandalismo") under less comprehensive modalities. Indemnification up to vehicle value according to age.
Roadside assistance (24h, from km 0)
Covered
24-hour roadside and travel assistance provided by Asitur (902 110 026 from Spain; +34 913 939 030 from abroad). Covers towing from km 0 of domicile (up to 150 km from immobilisation point), roadside technical assistance outside municipality of domicile (up to 60 EUR, parts excluded), rescue/salvage from km 0 (up to 150 EUR), fuel delivery, tyre replacement, hotel accommodation during repair (up to 60 EUR/night x 2 nights in Spain; 90 EUR/night x 3 nights abroad), transport/repatriation of insured persons and vehicle, professional driver, spare parts courier, medical/surgical/pharmaceutical expenses abroad (up to 6,000 EUR per insured), and legal defence abroad (up to 1,202.02 EUR). Applies to residents in Spain with stays away from habitual residence not exceeding 60 days per trip.
Replacement vehicle (days)
Covered
Helvetia provides and covers the cost of a category B rental vehicle for up to 5 days when the insured vehicle is immobilised for repair for more than 40 hours following an accident. Also applicable in cases of vehicle theft (if not recovered within 24 hours of the police report). Source: official product page helvetia.es.
Driver accident coverage
Covered
Covers the driver of the insured vehicle in the event of death or permanent sequelae resulting from a traffic accident. Capital of up to 12,000 EUR (as stated in the 2026 IPID for Helvetia Turismo Premium). Medical/surgical/pharmaceutical expenses are covered at 100% in authorised centres; maximum of 1,000 EUR if treated abroad or in non-authorised centres. Coverage is limited to drivers aged 25 or over with at least 2 years' driving licence, unless expressly declared as occasional driver in the Particular Conditions.
Key conditions
driver_age_experience_limit
Coverage is restricted to drivers aged over 25 years with more than 2 years of driving licence validity. Drivers not meeting these criteria must be expressly declared as occasional drivers in the Particular Conditions to be covered.
repair_network_requirements
Repairs must be carried out at Helvetia's Premium network of approved workshops (Red de Talleres Premium). These workshops offer an extended repair warranty of 36 months or 20,000 km and interior/exterior vehicle cleaning. Free choice of repair shop may be available under certain conditions but is subject to reimbursement limitations.
territorial_scope
All coverages: Spain, European Economic Area, Gibraltar, Andorra, Monaco, San Marino and Vatican City. Mandatory third-party liability: additionally covers Green Card countries. Travel assistance for persons: worldwide. Travel assistance for vehicles: Spain and Europe and Mediterranean rim countries; vehicle-related guarantees apply beyond 25 km from the insured's domicile (10 km in Balearic and Canary Islands), except towing and rescue which apply from km 0.
anti_theft_requirements
Theft coverage only applies to vehicles that have the anti-theft locator system (Sistema Localizador Antirrobo) activated. Theft indemnification is not payable until 30 calendar days after the date of the police report (denuncia). The insured must file a police report and cooperate to facilitate vehicle recovery.
claim_notification_deadline
The insured must notify the insurer or intermediary of any event giving rise to a claim within 7 days of becoming aware of it, providing all necessary information and documentation to assess and value the damages.
deductible_rules
A deductible (franquicia) per claim applies to own-damage coverages, the amount of which is specified in the Particular Conditions. Helvetia offers both deductible and zero-deductible policy options; the deductible amount is agreed at contracting and significantly affects premium pricing. For the travel assistance guarantee, an urgent roadside repair limit of 60 EUR applies (parts excluded).
Policy specifics
Helmet damage coverage
Optional coverage for damage to motorcycle helmet; specific to two-wheeled vehicle insurance but mentioned in Helvetia's broader vehicle product line
Replacement vehicle
Provision of replacement rental vehicle (category B) for up to 5 days when insured vehicle is immobilized for repair exceeding 40 hours after an accident
Roadside assistance from km 0
24-hour roadside assistance including towing, rescue, technical assistance, fuel delivery, wheel replacement, and immobilization support from the first kilometer of travel
New value guarantee
Coverage that guarantees 100% replacement cost at new vehicle price (not market value) for total loss or theft during first 3 years; after year 3, vehicle value is improved by 30% above market valuation
Natural phenomena coverage
Protection against damages from weather events including hail, sleet, snow, wind, rain, and lightning; also covers wild animal strikes and domestic animal collisions
Legal defense and claims recovery
Unlimited legal defense coverage in case of accidents with third parties; includes recovery of damages when insured is not at fault; covers defense in judicial proceedings
Driving licence suspension subsidy
Monthly financial subsidy paid to the policyholder if the driving licence is suspended (retirada temporal) as a result of a traffic-related judicial conviction or Spanish administrative authority decision. The 2026 IPID states a maximum of 300 EUR per month for up to 6 months. In the event of total loss of driving points, the insurer pays the contracted monthly subsidy for a maximum of 6 months as a locomotion expense allowance.
ITV and administrative fee coverage
Optional pack coverage of Spanish vehicle technical inspection (ITV) costs and administrative/management fees (gestoría), up to 300 EUR. Confirmed in the 2026 IPID as an optional guarantee within the Valoración Plus / pack structure.
Premium approved repair network
Helvetia's Premium network of approved repair workshops where policyholders must have repairs carried out under comprehensive and extended third-party policies. These workshops offer an extended repair warranty of 36 months or 20,000 km and interior/exterior vehicle cleaning services. Free choice of repair shop may be available but is subject to reimbursement limitations.
Third-party liability limits
Mandatory third-party liability (RC Obligatoria) up to the legally established limits. Voluntary third-party liability (RC Voluntaria) up to 50,000,000 EUR per accident. Additionally covers: RC as pedestrian or cyclist up to 1,000,000 EUR per accident; RC of vehicle at rest up to 1,000,000 EUR per accident.
Damage deductible
Deductible amount (ranging from 200€ to 600€ optional) that insured must pay in case of own damage claims; option for zero deductible coverage at higher premium
Approved repair network
Extensive network of approved repair workshops distributed across Spain where policyholders must conduct repairs under comprehensive (casco) policies; alternative free choice of repair shop available under certain conditions
Third-party liability limits
Mandatory third-party liability coverage with extended voluntary liability option up to 50 million euros per accident; covers bodily injury and property damage caused to third parties
Theft, fire, and glass coverage
Protection against theft (total or partial including accessories), fire damage, and breakage of windshield/windows/rear window/transparent roof; coverage for both attempted and completed theft
Driving license suspension subsidy
Monthly financial subsidy paid to policyholder if driving license is suspended as result of traffic violation; amount covers transportation costs during suspension period
ITV and administrative fee coverage
Coverage of inspection and technical examination (ITV - MOT equivalent) costs and administrative/management fees; covers ongoing compliance documentation expenses