MAPFRE Casco (own-damage car insurance) (Casco Todo Riesgo)

Covers damage to the insured vehicle resulting from a traffic accident caused by an external, violent, sudden and involuntary event, whether the vehicle is in circulation, at rest or during transport. For the first year after first registration, indemnification is at new vehicle value; from the second year onwards at market value without depreciation of parts. In partial loss, indemnification is based on cost of materials and labour.

Total loss is declared when the estimated repair cost exceeds the vehicle value. During the first year after first registration, indemnification is at new vehicle value (100%); from the second year onwards at market value immediately before the loss. The insured may opt for cash indemnification or replacement with a vehicle of equivalent characteristics. In theft total-loss cases, indemnification is at market value.

Where the vehicle is not a total loss, indemnification is based on the cost of replacement parts and repair labour. Urgent on-site repairs up to EUR 160 may be carried out by the insured directly, subject to documentation. A deductible (franquicia) may apply per the Particular Conditions; the deductible is not applied for fire/explosion events.

Optional coverage (included as standard in the Todo Riesgo variant per official product pages) covering: (a) theft of the complete vehicle; (b) theft of parts indemnified at repair/replacement cost; (c) damage caused to the vehicle during the period it is in the possession of third parties following theft. Insurer is not liable where gross negligence by the insured facilitated the theft, or theft committed by cohabiting family members or employees. If the vehicle is recovered within 30 days the insured must accept it.

Optional coverage (included in Todo Riesgo per official product pages) covering repair or indemnification for breakage of the front and rear windscreens, door glasses and other lateral glasses when caused by an external, violent, sudden and involuntary event. Excludes scratches from use, surface marks not constituting breakage, and other glass surfaces (mirrors, optics, roof panels). Deductible or limits per Particular Conditions.

Extraordinary natural events (earthquakes, floods, volcanic eruptions, atypical cyclonic storms, meteorite falls, etc.) are covered by the Consorcio de Compensación de Seguros under the statutory extraordinary-risk scheme, applicable when the Daños e Incendio coverage is contracted.

Isolated acts of vandalism (intentional deterioration of a parked vehicle) are covered under own-damage (daños propios) within the Todo Riesgo product, as confirmed by official product pages. This is included as part of the own-damage cover and subject to any applicable deductible.

24/7 roadside assistance included from kilometre zero (km 0) with no limit on callouts per year, covering towing to nearest suitable garage, mechanical assistance on-site, wheel change, key retrieval, fuel delivery, and transport of insured persons. Coverage applies in Spain, Andorra, and can be extended to all European countries and Mediterranean-rim states.

Optional add-on providing a rental vehicle while the insured vehicle is being repaired or recovered after an accident or theft; duration per the Particular Conditions.