Occident
Occident is a motor casco insurance for the ES market with online purchase and 24/7 assistance.
Direct payment
Occident operates the AutoPresto network of over 400 authorized workshops. When repairs are carried out through AutoPresto, the insurer handles payment directly with the workshop. Benefits include a 20% discount or minimum €60 reduction on the deductible for comprehensive policies, courtesy vehicle, 3-year repair guarantee, preferential assessment and service, and vehicle collection/delivery.
Geographic scope
Spain
Own damage: Spain. Roadside assistance: Spain, rest of Europe, and Mediterranean countries (200 km coastal band). Mandatory civil liability: European Economic Area, Multilateral Convention states, and Green Card (Carta Verde) countries.
Unique selling points
- Roadside assistance included from km 0 in all modalities, 24/7, covering Spain, the rest of Europe, and Mediterranean countries.
- AutoPresto network of over 400 concerted workshops offering a 3-year repair guarantee, deductible reduction of 20% or minimum €60, and courtesy vehicle.
- Glass damage (lunas) covered across all policy tiers including the most basic third-party modality, with mobile repair service at the insured's address.
- Up to 60% good-driver discount (AutoDrive programme) available for policyholders with a full points licence.
- New vehicle value (valor a nuevo) indemnification guaranteed for the first 2 years in the event of total loss, covering own damage, theft, and fire claims.
Coverage limits
Own damage (daños propios)
Covered
Covers all damage the insured vehicle may sustain due to accident, impact, vandalism, or other perils. Includes tyre damage when other vehicle damage is present, ITV costs following a claim, and interior cleaning after transporting injured persons. In case of total loss, indemnification is at new vehicle value for the first 2 years; from year 3 onward at market value. Available with deductible (todo riesgo con franquicia) or without deductible (todo riesgo sin franquicia).
Total loss / new vehicle value
Covered
In the event of total loss, the vehicle is indemnified at new vehicle price for the first 2 years. From year 3 onward, at market (venal) value. Applies to own damage, theft, and fire claims. Both todo riesgo tiers include this benefit.
Partial damage to own vehicle
Covered
Covers partial damage to the insured vehicle from accidents, vandalism, impacts, and other covered perils. Under todo riesgo con franquicia, the insured pays a fixed deductible per claim; the insurer covers the rest. Under todo riesgo sin franquicia, the insurer covers all repair costs with no contribution from the insured.
Theft and robbery
Covered
Covers the full theft of the vehicle, partial theft (theft of a fixed part), attempted theft (damage from attempted break-in), and expropriation. Indemnification follows the same valuation rules as own damage (new vehicle value for first 2 years, market value thereafter). Does not cover theft of personal belongings or luggage inside the vehicle.
Glass damage (lunas)
Covered
Covers repair or replacement of vehicle glass including windshield, windows, sunroof, rain sensors, and methacrylates. Mobile repair service available at the insured's address. Included across all Occident car insurance tiers, including the most basic (Terceros Básico), as well as all todo riesgo modalities.
Natural perils and atmospheric phenomena
Covered
Covers damage caused by hail, weather phenomena, and impact with wild or domestic animals (animales cinegéticos y domésticos). Hail damage is covered under own damage; catastrophic natural perils (terrorism, atypical meteorological events beyond hail) that fall under the Consorcio de Compensación de Seguros are excluded from the policy and handled by that public body.
Vandalism
Covered
Damage caused to the insured vehicle by vandalism or malicious acts by third parties is covered under the own damage (daños propios) guarantee in both todo riesgo tiers.
Roadside assistance (asistencia en viaje)
Covered
24/7 roadside assistance from km 0, covering the vehicle and its occupants in Spain, the rest of Europe, and Mediterranean countries (within a 200 km coastal band). Services include: rescue and towing of the vehicle (up to 150 km), tyre change for puncture or blowout, fuel/spare parts/key delivery, hotel or transport costs due to vehicle immobilisation, and transport/repatriation of injured or ill persons. Use of roadside assistance does not affect the no-claims bonus for the following year.
Replacement vehicle
Optional
Replacement vehicle is an optional add-on (with extra cost) in the Todo Riesgo con Franquicia tier. In Todo Riesgo Sin Franquicia it is included. When provided, it covers up to 30 days in the event of total theft. Managed through the AutoPresto network, which also provides a courtesy vehicle during repairs at concerted workshops.
Driver accident
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Key conditions
driver_age_experience_limit
Drivers with over 7 years of driving licence experience are covered by default in the policy. Additional or occasional drivers under 25 years of age or with less than 5 years of licence must be declared in the policy and may result in a premium increase. Drivers over 70 years of age may have restrictions on invalidity capital cover (only death and healthcare assistance apply above that threshold in some configurations).
repair_network_requirements
Repairs carried out through the AutoPresto network (400+ concerted workshops) entitle the insured to a 20% discount or minimum €60 reduction on the deductible for comprehensive policies, a 3-year repair guarantee, preferential assessment and service, courtesy vehicle, vehicle collection and delivery, and free interior/exterior cleaning. Use of a non-concerted workshop (free choice) is permitted but the above benefits do not apply.
territorial_scope
Own vehicle damage coverage applies in Spain. Roadside assistance covers Spain, the rest of Europe, and non-European Mediterranean countries within a 200 km coastal band. Mandatory civil liability covers the European Economic Area, states party to the Multilateral Guarantee Agreement, and Green Card countries. Medical expenses abroad are covered only outside Spain.
anti_theft_requirements
No specific anti-theft device requirements are stated in the available sources for this product. Theft coverage applies for total vehicle theft, partial theft of fixed parts, and damage from attempted theft, provided the theft is reported to the competent authority.
claim_notification_deadline
The policyholder must notify Occident of any claim as soon as possible. For theft claims, a police report must be filed with the competent authority. Roadside assistance is available 24/7 at 917 83 83 83. Claims can also be reported online via the Occident website or mobile app.
deductible_rules
Todo Riesgo con Franquicia: a fixed deductible applies per claim; the insurer covers costs above this amount. Multiple deductible brackets are available — the higher the deductible, the lower the premium. When repairs are carried out at an AutoPresto concerted workshop, a 20% discount or minimum €60 reduction on the deductible is applied. Todo Riesgo Sin Franquicia: no deductible applies; the insurer covers the full repair cost.
Where to buy
Documents
Policy specifics
Comprehensive damage (casco/daños propios)
Coverage for vehicle damage from accidents, vandalism, and other perils not covered by liability or specific coverages
Theft and fire coverage
Covers loss or damage to vehicle caused by theft or total/partial fire
Glass coverage (windows and windshield)
Covers repair or replacement of vehicle glass including windshield and windows
Weather damage coverage
Covers vehicle damage from hail, snow, rain, wind and other weather phenomena
Roadside assistance
24/7 roadside assistance including towing, lockout service, and basic mechanical assistance
New vehicle value coverage (limited years)
In case of total loss, vehicle is indemnified at new vehicle price for specified years
Deductible/Franchise
Fixed amount insured must pay per claim in all-risk policies
Preferred repair network (AutoPresto)
Benefits when using authorized repair workshops for claim repairs
Automatic renewal
Policies automatically renew unless policyholder gives notice of cancellation
Coverage territorial scope
Geographic areas where coverage applies for different guarantees