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

Covers damage to the insured vehicle caused by accidents, collisions, impacts, or vandalism where the policyholder is at fault. Includes tyre damage when other vehicle damage exists, ITV costs resulting from a claim, and interior cleaning costs after transporting injured persons. The exact indemnifiable amount is determined per claim based on the vehicle's insurable value. Available in both con franquicia (with deductible) and sin franquicia (without deductible) modalities.

Total loss is declared when the estimated cost of repair exceeds 80% of the indemnifiable value of the vehicle. In such cases, the insurer pays the indemnifiable value of the vehicle. A 'valor a nuevo' (new-value) guarantee applies for 2 years following total loss or theft, meaning the vehicle is covered at its new replacement value during that period.

Partial damage to the insured vehicle (where repair cost does not exceed 80% of the indemnifiable value) is covered under the own-damage guarantee. The policyholder bears the deductible amount (franquicia) per claim under the con-franquicia modality; no deductible applies under the sin-franquicia modality.

Covers total theft or robbery of the vehicle, damage caused by attempted theft, and removal of the vehicle. Also covers hurto (theft without violence) and expoliación. A 'valor a nuevo' guarantee applies for 2 years from policy inception in the event of total theft. Optional extensions include accessories up to EUR 1,500 without prior declaration and luggage/personal effects.

Covers breakage or damage to the vehicle's glass, including windscreen, side windows, rear window, sunroof, rain sensors, and methacrylate components. Glass coverage is included across all Occident car insurance tiers, including the basic terceros level. An optional extension covers tinted glass.

Covers damage to the insured vehicle resulting from natural or weather phenomena including hail, snow, rain, flooding, and wind. Damage caused by collision with game animals (animales cinegéticos) is also covered. Note: damage covered by the Consorcio de Compensación de Seguros (e.g. extraordinary floods) is explicitly excluded, as the CCS acts as the primary insurer for those events.

Vandalism is covered as part of the own-damage (daños propios) guarantee, which explicitly covers damage resulting from accidents, impacts, or vandalism. This coverage applies in both todo riesgo modalities (con and sin franquicia).

24-hour roadside assistance available from km 0, including from the policyholder's home. Covers vehicle breakdown, towing (up to 150 km), wheel replacement, battery jump-start, fuel delivery, lockout assistance, rescue, and transport/repatriation of vehicle occupants in case of accident or illness abroad. Using this service does not affect next year's premium. Available 365 days a year via the 917 83 83 83 helpline.

A replacement vehicle is provided while the insured vehicle is being repaired or has been declared a total loss. This coverage is available as an optional add-on (with additional premium) in the todo riesgo con franquicia modality; it is included as standard in the todo riesgo sin franquicia modality. Duration ranges from 7 to 30 days depending on the option selected. Customers using the AutoPresto repair network benefit from a courtesy vehicle free of charge during repairs.