Helvetia Casco (own-damage car insurance) (Helvetia Turismo Premium)

Per the current IPID for Helvetia Turismo Premium, own-vehicle damage is not part of the base package; it is offered as an optional guarantee under 'Garantías opcionales y suma asegurada' ('Pérdida total del propio vehículo' and 'Impacto y vandalismo: hasta valor del vehículo según antigüedad'). When contracted, it 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, subject to a deductible per claim as specified in the Particular Conditions.

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.

Per the current IPID for Helvetia Turismo Premium, repair costs for partial damage to the insured vehicle are covered under the optional guarantee 'Impacto y vandalismo: hasta valor del vehículo según antigüedad' and related optional guarantees, not as part of the base package. When contracted, it covers partial damage from a traffic accident, hail or object impact, collapse of terrain or structures, malicious acts, or transport by authorised means, subject to a deductible per claim as specified in the Particular Conditions.

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.

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.

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.

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.

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.

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.