Occident GCO, S.A.U. de Seguros y Reaseguros
Occident
Occident is a motor casco insurance for the Spain market with online purchase and 24/7 assistance.
Direct payment
Occident operates through its network of AutoPresto partner repair shops; when using network garages, the insurer settles the repair bill directly. For claims outside the network, the policyholder may pay and seek reimbursement. Vehicle loan (financiación de reparación) is available for own-damage repairs.
Geographic scope
Spain and European Economic Area (including Andorra, Serbia, Switzerland)
Coverage applies throughout the EEA and states party to the Green Card system agreement, including Andorra, Serbia, and Switzerland. Some specific guarantees may have different territorial limitations.
Unique selling points
- Roadside assistance is available from km 0 (including from your home) 24 hours a day, 365 days a year, and using it never increases your premium the following year.
- Access to over 400 AutoPresto partner garages across Spain with a 3-year repair guarantee, free interior cleaning, and express repair for minor damage in under 48 hours.
- New-value guarantee (valor a nuevo) covers total loss or total theft at the vehicle's full replacement cost for the first 2 years, protecting against depreciation.
- Good-driver discount of up to 60% for policyholders with a full 12-point Spanish driving licence, one of the most competitive discounts in the Spanish market.
- Glass damage (rotura de lunas) is included from the basic terceros tier, and free choice of any authorised repairer is guaranteed across all coverage levels.
Coverage limits
Own damage (Daños propios)
Covered
Only in todo riesgo con franquicia, todo riesgo sin franquicia
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
Covered
Only in todo riesgo con franquicia, todo riesgo sin franquicia
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 loss / own damage repair
Covered
Only in todo riesgo con franquicia, todo riesgo sin franquicia
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.
Theft and robbery
Covered
Only in todo riesgo con franquicia, todo riesgo sin franquicia
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.
Glass / windscreen damage (Rotura de lunas)
Covered
Only in todo riesgo con franquicia, todo riesgo sin franquicia
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.
Natural perils / weather damage (Fenómenos atmosféricos)
Covered
Only in todo riesgo con franquicia, todo riesgo sin franquicia
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
Covered
Only in todo riesgo con franquicia, todo riesgo sin franquicia
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).
Roadside assistance / travel assistance (Asistencia en viaje)
Covered
Only in todo riesgo con franquicia, todo riesgo 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.
Replacement / substitute vehicle (Vehículo de sustitución)
Optional
Only in todo riesgo sin franquicia (incluido), todo riesgo con franquicia (opcional)
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.
Driver accident cover (Accidentes del conductor)
Covered
Only in todo riesgo con franquicia, todo riesgo sin franquicia
Covers the insured driver in the event of a traffic accident, including death benefit, permanent disability, and healthcare assistance. Passenger/occupant accident cover (Accidentes de los Ocupantes) is available as an additional coverage. Funeral expenses (Gastos de Sepelio) and psychological assistance (Asistencia Psicológica) are also available.
Key conditions
Driver age and experience limit
No specific driver age or experience limits are stated in the IPID. The insurer requires accurate and complete information about the vehicle and its usual drivers at time of contracting. Significant changes in driver profile must be communicated promptly.
Repair network requirements
Free choice of any authorised repair shop is guaranteed. Alternatively, the insurer's AutoPresto network (400+ partner garages across Spain) offers priority service, a 3-year repair guarantee, courtesy vehicle during repairs, free interior cleaning, and express repair for minor damage within 48 hours. Use of the AutoPresto network does not obligate the policyholder.
Territorial scope
Coverage is valid throughout the European Economic Area and all states party to the Multilateral Agreement between national insurance bureaux (Green Card system), including Andorra, Serbia, and Switzerland. Certain specific guarantees may have a different territorial scope, in which case the specific terms for each coverage apply.
Anti-theft requirements
No specific anti-theft device requirements are mentioned in the IPID. Standard exclusions apply for intentional acts by the policyholder, owner, insured, or driver.
Claim notification deadline
The policyholder must notify the insurer of any accident within a maximum of 7 days of becoming aware of it. Full information about the circumstances and consequences of the accident must be provided, along with any additional documentation requested. The policyholder must also take all reasonable measures to minimise the consequences of the accident.
Deductible rules
Two modalities are available: 'todo riesgo con franquicia' (with deductible) and 'todo riesgo sin franquicia' (without deductible). In the con-franquicia modality, the policyholder pays a fixed deductible amount per at-fault claim; the insurer covers the remainder. The deductible amount is agreed at policy inception. The sin-franquicia modality offers full coverage with no out-of-pocket payment per claim, at a higher premium. Deductible does not apply to services such as roadside assistance or legal defence.
Where to buy
Documents
IPID – Insurance Product Information Document for Automobiles (Spanish)
IPID
Policy specifics
Own damage (daños propios)
Coverage for damage to the insured vehicle caused by accidents, collisions, or other incidents where the policyholder is at fault
SourceWindscreen and glass coverage (rotura de lunas)
Coverage for breakage of vehicle glass including windscreen, side windows, and rear window
SourceCollision with animals coverage
Coverage for vehicle damage resulting from collision with game animals or wildlife
SourceWeather damage coverage (fenómenos atmosféricos)
Coverage for vehicle damage caused by adverse weather including hail, flooding, snow, and wind
SourceTravel assistance (asistencia en viaje)
24-hour roadside assistance including towing, breakdown support, and emergency assistance from the policyholder's home (km 0)
SourceDeductible/Excess (franquicia)
Amount the policyholder must pay per claim before the insurer covers the remaining repair costs; common amounts are €300-€600
SourceSource no longer reachableNew value guarantee
Insurer covers the full market value of the vehicle (as new) in case of total loss for a specified period after purchase
SourceAutoPresto repair network
Access to Occident's network of over 300 authorized repair shops across Spain; includes priority service, courtesy vehicles, and 3-year repair guarantee
SourceSource no longer reachableFree choice of repair shop
Policyholder can choose any authorized repair shop instead of being restricted to the insurer's network
SourceSubstitute vehicle provision
Insurer provides a replacement vehicle at company expense while the insured vehicle is being repaired or is declared a total loss (up to 30 days for theft)
SourceSource no longer reachableGrace period for accident reporting
Policyholder must report accident to insurer within specified timeframe (typically 7 days) to maintain coverage validity
SourceTerritorial scope - EEA countries
Coverage applies throughout the European Economic Area (EEA) and associated countries (Andorra, Serbia, Switzerland)
SourceGeneral exclusions
Claims arising from intentional acts by policyholder, driving under influence, use without valid licence, or violation of traffic laws
SourceGood driver discount
Policyholder with perfect driving record (full licence points) eligible for up to 60% discount on insurance premium
SourceSource no longer reachable