Pelayo

Covers damage to all standard vehicle components caused by: traffic accident (regardless of fault), impact of objects, vehicle falling and ground or construction collapse, malicious acts by third parties and vandalism, and transport of the vehicle by other means. In case of total loss in the first two years from first registration, pays 110% of the new value (or acquisition value for second/subsequent owners); after two years, pays 110% of the GANVAM market value. Partial repairs are covered at 100% of repair cost for all standard components including tyres, up to the total loss limit. Optional deductible (franquicia) available: with deductible, the insured bears the agreed amount per accident; without deductible, Pelayo covers the full cost. Deductible does not apply when the sole damage is broken glass (lunas). Repair must be carried out at Pelayo's guaranteed workshop network unless the libre elección de taller guarantee is contracted.

Total loss is declared when the budgeted repair cost exceeds 100% of the new value or GANVAM value depending on vehicle age. In the first two years from first registration (first owner): 110% of the vehicle's new value is paid. For second or subsequent owners, 110% of the acquisition value. After two years: 110% of the GANVAM market value. This 'Happy End 110' benefit applies to the daños propios, incendio, and daños por pedrisco o granizo guarantees. A replacement vehicle with a maximum value of €210 is also provided when a total loss is declared within the first two years.

Where the total repair cost does not exceed the total loss threshold, damage to all standard vehicle components (including tyres) is covered at 100% of the repair cost as assessed by a professional surveyor. Accesory extras declared in the particular conditions are also covered at 100% of repair cost. Repair must be carried out at Pelayo's guaranteed workshop network unless the libre elección de taller guarantee is contracted. Emergency repairs under €150 may be carried out without prior survey assessment.

Covers theft (robo – with force) and robbery without force (hurto). Vehicle theft without recovery: 100% of new value for first two years from first registration (first owner; second/subsequent owners: 100% of acquisition value instead of new value); 100% of GANVAM value thereafter. Damages to a recovered vehicle: 100% of repair cost (not exceeding the theft indemnity), excluding tyres which depreciate annually (100% yr 1, 80% yrs 2–3, 50% yr 4+). Standard parts stolen: 100% of new value except tyres, battery, and non-fixed mobile/multimedia/audio items which depreciate annually; EV high-voltage batteries covered at 100%. Declared accessories: covered per age-based scale (100%/80%/50%). Damage to locks, glass, and interiors to facilitate theft: 100% of cost. EV/plug-in hybrid owners: theft of or damage to their own charging station also covered up to €200. The insured must cooperate in recovery and submit a police report immediately. No cover if ITV (road-worthiness certificate) was expired more than 90 days at the time of the claim.

Covers breakage of: front windscreen, rear windscreen, side windows, and factory-fitted sunroof (or declared as an accessory). Also covers damage caused by hailstones (pedrisco). At-home repair service for small windscreen impacts. Repair or replacement must be carried out at Pelayo's certified glazing network or guaranteed workshops, unless libre elección de taller is contracted. Deductible (franquicia) does not apply when the sole damage is broken glass.

Vandalism and malicious acts by third parties are explicitly listed as a covered peril within the daños propios (own damage) guarantee. Damage is covered at 100% of repair cost for partial losses, and at 110% of new/GANVAM value for total losses (Happy End 110). For EV/plug-in hybrid owners: vandalism to their own charging station (correctly installed) is also covered up to €200, and the deductible does not apply to this sub-coverage even if a deductible applies to the main policy.

Travel assistance coverage from km 0, available anywhere on any road suitable for circulation in Europe or Mediterranean border countries, from the insured's front door. Covers emergency repairs (for breakdowns or accidents) including wipers, lights, indicators, flat battery, tyre change for puncture, fuel error, lost or broken keys. Also covers in-situ recharging for fully discharged EV batteries where available. Towing and vehicle transfer: Verde tier – to workshop of insured's choice within 150km radius; Verde Plus+, Azul, and Azul Plus+ tiers – to any workshop chosen by insured (unlimited distance within Spain; in foreign breakdown, to Spanish workshop of choice). Recovery even when vehicle has fallen to a difficult-access location. Cover limit for towing: 110% of new value (first 2 years) / second-hand GANVAM value thereafter. Four tiers available: Verde, Verde Plus+, Azul, and Azul Plus+. Pelayo commits under Cláusula 1:24:72 to send a tow truck within 1 hour of request (in national territory); if this commitment is breached, €100 is deducted from the following year's premium.

Covers the driver (and optionally other vehicle occupants) involved in a road traffic accident with the insured vehicle. Capital amounts are set in the particular conditions. Covers: death (capital stated in particular conditions; double capital for married couple / de facto partners with common children dying in same accident); total permanent disability (capital in particular conditions; double for total dependency); partial permanent disability (percentage of total disability capital per functional impairment scale: 60% / 30% / 10%); temporary disability daily benefit (for insured aged 16–70 in medical sick leave). Medical assistance covered for 365 days after accident up to the limit in particular conditions, including: medical/surgical care, hospitalisation, ambulance, pharmacy, physiotherapy, rescue expenses, prosthetics, dental and corrective lens replacement (up to 10% of total disability capital). Home adaptation costs up to €10,000; vehicle adaptation costs up to €3,000 in case of total permanent disability. Funeral service or up to €3,000 in expenses upon accidental death of driver or occupants. Post-accident psycho-emotional assistance (for serious accidents with fatalities/major disability): up to 10 sessions, limit €1,500.