Qualitas Auto Casco (own-damage car insurance) (Qualitas Auto)
Underwritten by Admiral Europe Compañía de Seguros, S.A.U. (AECS) · Spain
casco (own-damage car insurance) from Qualitas Auto for the Spain market, with online purchase and 24/7 assistance.
Verified Jul 18, 2026 · Terms dated 2026-04-04Sources
Key facts
- Qualitas Auto
- Starting price: €211per yearAs published by the insurer — it does not say who the price is for
Unique selling points
Quality commitments with guaranteed compensation: towing within 45 minutes, damage assessment within 24 hours, and repair within 72 hours of parts receipt – with €100 paid to the insured if any commitment is not met.
Total loss indemnification at venal value improved by 30% for vehicles over 2 years old, ensuring higher payouts compared to the standard market venal value.
Free choice of repair workshop available as an option, backed by a network of over 350 partner workshops across Spain offering priority attention.
Online purchase with up to 30% discount on the policy price when calculated and contracted through the official Qualitas Auto website.
Part of Admiral Group Plc, a leading international insurer with over 25 years of experience and operations in more than 8 countries, providing strong financial backing.
Coverage limits
Own damage (daños propios)
Covered
Covers damage to the insured vehicle caused by an accident (collision, rollover, fall, vandalism by third parties, lightning, hailstorm, ground subsidence). Full repair cost is covered if: (a) for vehicles under 2 years old, repair cost is below 75% of new value; (b) for vehicles aged 2 years or more, repair cost does not exceed venal value. In the event of total loss, indemnification is at new value for vehicles up to 2 years old, and at venal value improved by 30% for vehicles over 2 years old (up to the actual acquisition cost). The coverage can be contracted with or without a deductible.
Section: 1. Seguro de automóvil Qualitas Auto > 1.2. Sección 2: Garantías Voluntarias > 1.2.2 Daños propios
Los daños causados al vehículo como consecuencia de un accidente producido por una causa externa, instantánea, violenta y ajena a la voluntad del asegurado o del conductor, hallándose el vehículo en circulación, estacionado o durante su transporte.
Total loss indemnification
Covered
Total loss is declared when the repair cost exceeds 75% of new value for vehicles under 2 years old, or exceeds the venal value for vehicles aged 2 years or more. Indemnification is at new value for vehicles up to 2 years old (not exceeding the actual acquisition cost), and at venal value improved by 30% for vehicles over 2 years old (not exceeding actual acquisition cost). The insured may retain the salvage (deducted from the indemnification) or hand it to the insurer.
Section: 1. Seguro de automóvil Qualitas Auto > 1.2. Sección 2: Garantías Voluntarias > 1.2.2 Daños propios
Valor venal mejorado: Para vehículos con antigüedad superior a los 2 años desde la fecha de primera matriculación mejora del 30%. En ambos casos, no se indemnizará valor superior al coste real de adquisición por el propietario del vehículo.
Partial damage repair
Covered
Partial damage is covered at full repair cost provided the repair amount is below the applicable threshold (75% of new value for vehicles under 2 years old, or venal value for vehicles aged 2 years or more). Factory-installed original brand accessories are covered without limit. Original brand audio, navigation, telephony and video systems are covered up to the limit stated in the particular conditions. Tyres are covered at new value when damaged in an accident involving another vehicle and when other parts of the insured vehicle are also damaged; at venal value when no identified vehicle collision is involved but another fixed part is also affected.
Section: 1. Seguro de automóvil Qualitas Auto > 1.2. Sección 2: Garantías Voluntarias > 1.2.2 Daños propios
El coste total de la reparación de los daños si el importe de la reparación es inferior al 75% del valor de nuevo en vehículos con antigüedad comprendida hasta los 2 años desde la fecha de primera matriculación.
Theft and robbery (sustracción)
Covered
Covers total or partial theft and robbery of the vehicle, including attempts. For total vehicle theft, indemnification is at new value for vehicles under 2 years old, and at venal value improved by 30% for vehicles aged 2 to 4 years, or at venal value for vehicles over 4 years (all not exceeding actual acquisition cost). Partial damage during theft or attempt is also covered. The insured must file a police report and cooperate for recovery. If the vehicle is recovered within 40 days the insured must accept return with repair at insurer's expense; if recovered after 40 days, it passes to the insurer unless the insured reimburses the indemnification within 15 days. Theft by family members (up to 3rd degree) or financially dependent persons is excluded. Theft of keys only is excluded.
Section: 1. Seguro de automóvil Qualitas Auto > 1.2. Sección 2: Garantías Voluntarias > 1.2.4. Sustracción (incluye robo o hurto)
La sustracción ilegítima del vehículo asegurado por parte de terceros o su tentativa, tanto por robo como por hurto y hurto de uso, conforme a la legislación vigente.
Glass damage (rotura de lunas)
Covered
Covers total or partial damage to the vehicle's glass caused by an external, instantaneous and violent cause beyond the will of the policyholder, including ordinary weather phenomena. Covers replacement, fitting or repair of: front windscreen, side windows, rear windscreen, and factory-fitted sunroof. Headlights, taillights, indicators, mirrors, or non-factory glass elements are excluded. Scratches or impact marks that do not constitute partial or total breakage and do not impede normal visibility are excluded. Coverage may be contracted with or without a deductible.
Section: 1. Seguro de automóvil Qualitas Auto > 1.2. Sección 2: Garantías Voluntarias > 1.2.3. Rotura de lunas
Daño total o parcial causado a las lunas del vehículo por causa externa, instantánea, violenta ajena a la voluntad del tomador, asegurado, propietario o conductor del vehículo, incluso motivado por fenómenos meteorológicos ordinarios.
Natural perils (fire, lightning, hail)
Covered
Fire (combustion and burning with flame of internal or external origin, explosion, lightning) is covered as a standalone guarantee (Section 1.2.5). Lightning and hailstorm are also covered within daños propios (own damage) as explicitly included perils. Extraordinary risks (earthquakes, floods, etc.) are handled by the Consorcio de Compensación de Seguros. For fire total loss: new value for vehicles under 2 years old, and venal value improved by 30% for vehicles aged 2 years or more.
Section: 1. Seguro de automóvil Qualitas Auto > 1.2. Sección 2: Garantías Voluntarias > 1.2.5. Incendio
Combustión y abrasamiento con llama de origen interno o externo, así como explosión y caída de rayo.
Vandalism (hechos malintencionados de terceros)
Covered
Malicious acts by third parties (hechos malintencionados de terceros) are explicitly listed as a covered peril within the daños propios (own damage) guarantee. Damage caused intentionally by the policyholder, insured or driver is excluded.
Section: 1. Seguro de automóvil Qualitas Auto > 1.2. Sección 2: Garantías Voluntarias > 1.2.2 Daños propios
Hechos malintencionados de terceros.
Roadside assistance (asistencia en viaje)
Covered
24/7 roadside assistance is included by default in all Qualitas Auto policies. Covers towing of the vehicle to the nearest workshop within the province or within a radius up to 100 km. The insurer guarantees towing within 45 minutes; if this commitment is not met, the insured receives €100 compensation. Travel assistance coverage extends to Spain, Andorra and abroad. The coverage can optionally be removed by the policyholder.
Section: ¿Buscas una protección extra?
Esta cobertura está incluida por defecto en todos los seguros de coche de Qualitas Auto. Creemos que es imprescindible garantizar asistencia en carretera, ¡y con muchos beneficios! Como tu grúa en menos de 45 minutos, o te damos 100€.
Replacement vehicle (coche de sustitución)
Optional
Optional coverage available in two variants: (1) Robo + Accidente (4 hours labour): a Category C replacement vehicle or reimbursement of up to €30/day (€60/day for disabled policyholders) is provided when the vehicle is immobilised in Spain due to accident or theft, provided the repair work exceeds 4 labour hours. Days of entitlement scale from 3 days (4–8 hrs) to 10 days (>20 hrs or total loss / theft). Maximum 2 claims per annual policy period. (2) Avería + Robo + Accidente: same conditions plus cover for breakdown immobilisation, with a 7-day waiting period for breakdown cases from the coverage start date.
Section: ADENDA DE 2 DE FEBRERO DE 2026 > 2. Coche de sustitución: robo + accidente (4 horas mano de obra)
En los supuestos de paralización del vehículo asegurado por causa de accidente ocurrido en España, el Asegurador garantiza: A) Poner a disposición del asegurado un vehículo de sustitución de categoría "C".
Driver accident insurance (seguro accidentes del conductor)
Covered
Covers the driver of the insured vehicle for bodily injuries resulting from a traffic accident. Guarantees include: death, total permanent disability (100% of capital), partial permanent disability (proportional to SS scale, min 5%), medical and surgical assistance, ambulance transfer, pharmacy and hospital admission. A capital advance is provided upon death of the driver. Double capital is payable if both parents die in the same accident with minor children. An optional extended version with higher capitals is available. Drivers under 25 years declared in the policy are also covered. Drivers who cause accidents while intoxicated or committing intentional acts are excluded.
Section: 3. Seguro accidentes del conductor > 3.2. Alcance del seguro
El Asegurador garantiza, dentro de los límites cualitativos y cuantitativos contenidos en las condiciones particulares del presente contrato, la indemnización de los daños sufridos por el conductor asegurado siempre que sean a consecuencia de un accidente producido durante la circulación.
Key conditions
Driver age and experience limit
Drivers under 25 years of age or with less than 2 years of driving licence seniority must be expressly declared in the particular conditions of the policy. If such drivers are not declared, damages caused while they are driving are excluded from voluntary guarantees, and the insurer has the right of recourse against the policyholder, insured and/or driver. The policyholder has an obligation to declare ALL habitual drivers, including those under 25 or with less than 2 years' licence, regardless of whether they use the vehicle habitually or occasionally.
Repair network requirements
Repairs must be carried out at the insurer's authorised workshop network unless the free choice of workshop guarantee has been contracted. The insurer guarantees: (a) towing within 45 minutes (compensation of €100 if not met); (b) damage assessment within 24 hours; (c) repair completion within 72 hours of parts receipt. A network of over 350 partner workshops is available across Spain. Free choice of workshop is available as a separately contracted optional coverage.
Anti-theft requirements
For total vehicle theft: the insured must file a police report and cooperate to facilitate recovery. If declared anti-theft devices require a contract with third parties for their operation, they must be creditable at the time of the claim, otherwise total vehicle theft is not covered. The insurer may exclude the total theft indemnification if the anti-theft system declared at contracting cannot be proven.
Claim notification deadline
The occurrence of a claim must be communicated to the insurer within a maximum of 7 days, even if the policyholder or insured decides not to use the policy coverages. Failure to notify may entitle the insurer to claim damages caused by the lack of declaration, unless it can be proven the insurer became aware of the claim by other means.
Deductible rules
Voluntary coverages (own damage, glass, theft) may be contracted with or without a deductible. Available deductible amounts for Todo Riesgo con Franquicia: €90, €190, €290, €390, or €600. The deductible applies only to the own damage (daños propios) coverage, not to theft, fire, glass or third-party liability. When the insured is not responsible for the loss and the responsible party's insurer accepts liability in writing, the insurer advances the deductible amount. Deductible amounts are specified in the particular conditions of each policy.
Direct payment
Repairs are carried out at the insurer's network of authorised workshops. Free choice of workshop is available as an optional add-on. In the event that the insured is not liable for an accident and the responsible party's insurer has accepted liability in writing, the insurer advances the deductible amount to the insured.
Territorial scope
Spain and Principality of Andorra; EEA member states; Green Card system countries as shown on the International Insurance Certificate; Multilateral Guarantee Convention states.
Documents
General Conditions – Qualitas Auto (Model AU02-ADM1305, current with 2026 addenda) (opens in a new tab)
Terms & conditions · PDF
General Conditions – Qualitas Auto (older version, Model AU02-ADM1207) (opens in a new tab)
Terms & conditions · PDF
General Conditions – Qualitas Auto Classic (Model AU04-ADM2107) (opens in a new tab)
Terms & conditions · PDF
Policy specifics
Own damage coverage
Covers damage to the insured vehicle caused by accidents where the insured is responsible, subject to vehicle age and repair cost thresholds
SourceClause 1.2.2Page 11Section: 1. Seguro de automóvil Qualitas Auto > 1.2. Sección 2: Garantías Voluntarias > 1.2.2 Daños propios
Los daños causados al vehículo como consecuencia de un accidente producido por una causa externa, instantánea, violenta y ajena a la voluntad del asegurado o del conductor, hallándose el vehículo en circulación, estacionado o durante su transporte.
Fire and glass breakage coverage
Covers damage from combustion, burning, explosion, lightning, and breakage of windscreen and side windows. Included in all casco policies.
SourceClause 1.2.5Page 15Section: 1. Seguro de automóvil Qualitas Auto > 1.2. Sección 2: Garantías Voluntarias > 1.2.5. Incendio
Combustión y abrasamiento con llama de origen interno o externo, así como explosión y caída de rayo.
Theft coverage
Covers total theft of the vehicle and partial damages resulting from theft attempts. Requires police report filing and cooperation for vehicle recovery.
SourceClause 1.2.4Page 13Section: 1. Seguro de automóvil Qualitas Auto > 1.2. Sección 2: Garantías Voluntarias > 1.2.4. Sustracción (incluye robo o hurto)
La sustracción ilegítima del vehículo asegurado por parte de terceros o su tentativa, tanto por robo como por hurto y hurto de uso, conforme a la legislación vigente.
Mandatory civil liability
Mandatory coverage for damage caused to third parties. Included in all motor vehicle policies by law.
SourceClause 1.1Page 9Section: 1. Seguro de automóvil Qualitas Auto > 1.1. Sección 1: Responsabilidad Civil Obligatoria
La Responsabilidad Civil Obligatoria es la cobertura mínima exigida por la legislación vigente para poder circular con un vehículo según el contenido del Texto Refundido de la Ley sobre Responsabilidad Civil y Seguro en la circulación de Vehículos a Motor y su reglamento.
Voluntary civil liability
Extends mandatory liability coverage with higher limits for damage to third parties beyond statutory minimums.
SourceClause 1.2.1Page 10Section: 1. Seguro de automóvil Qualitas Auto > 1.2. Sección 2: Garantías Voluntarias > 1.2.1. La Responsabilidad Civil de Suscripción Voluntaria
Es complementaria a la de suscripción obligatoria, por lo que cubre las indemnizaciones por responsabilidad civil que excedan de la cuantía de la cobertura obligatoria con el límite pactado en las condiciones particulares de esta póliza.
Optional collision-only own damage (Daños Propios Colisión)
An optional coverage introduced in the February 2026 addendum covering damage to the insured vehicle caused by a direct collision accident with an identified third party (another vehicle, person or animal). Requires a friendly accident report (Parte Amistoso) signed by both parties, a police report, or acceptance by both insurers. Excludes rollover, falling objects, vandalism, lightning, hailstorm, ground subsidence, and malicious acts. Drivers under 25 or with less than 2 years licence must be declared. This coverage is cheaper than standard own damage as it only covers identified-third-party collision scenarios.
SourcePage 5Section: ADENDA DE 2 DE FEBRERO DE 2026 > 1.- Daños Propios Colisión
Los daños causados al vehículo asegurado como consecuencia de un accidente de circulación con colisión directa producido por una causa externa, instantánea, violenta y ajena a la voluntad del asegurado o del conductor, siempre que exista un tercero identificado, ya sea este otro vehículo, una persona o un animal.
Vehicle valuation improvement
Premium products include 30% valuation improvement on venal value for 2-4 year old vehicles; standard products include 15% improvement.
SourceClause 1.2.2Page 11Section: 1. Seguro de automóvil Qualitas Auto > 1.2. Sección 2: Garantías Voluntarias > 1.2.2 Daños propios
Valor venal mejorado: Para vehículos con antigüedad a partir de 2 y hasta 4 años. Mejora de 15% sobre el valor venal en Qualitas Auto y 30% en el producto Premium.
Authorized repair network
Qualitas Auto maintains extensive network of authorized repair shops across Spain offering priority service and repair discounts.
SourceSection: Todas las coberturas de seguros de coche y moto > Coberturas disponibles en tu seguro de coche
En caso de que tengas cualquier tipo de duda sobre nuestro comparador de seguros de coche, en la sección Guías y Consejos , encontrarás más detalles y consejos para ayudarte a elegir.
Deductible (franchise) options
Comprehensive casco policies can be contracted with deductible options of 90€, 190€, 290€, 390€, or 600€, allowing customers to reduce premium costs.
SourceSection: Preguntas frecuentes sobre seguros del automóvil > Te resolvemos las dudas más comunes del seguro del automóvil > ¿Qué es un seguro a todo riesgo con franquicia?
En Qualitas Auto, puedes contratar tu todo riesgo con franquicia de 90, 190, 290, 390 o 600 euros.
Roadside assistance response time guarantee
Qualitas Auto guarantees towing service within 45 minutes for roadside breakdowns; if not met, customer receives 100€ compensation.
SourceSection: Tu seguro con compromisos de calidad garantizada
Nos comprometemos a enviarte una grúa en menos de 45 minutos en caso de avería en carretera.
Venal value improvement on indemnification
For the standard Qualitas Auto product (AU02-ADM1305), total loss indemnification for vehicles over 2 years old is paid at venal value improved by 30%. This applies to own damage, theft and fire total loss scenarios. Indemnification never exceeds the actual acquisition cost of the vehicle.
SourceClause 1.2.2Page 12Section: 1. Seguro de automóvil Qualitas Auto > 1.2. Sección 2: Garantías Voluntarias > 1.2.2 Daños propios
Valor venal mejorado: Para vehículos con antigüedad superior a los 2 años desde la fecha de primera matriculación mejora del 30%.
Sources
- qualitasauto.comhttps://www.qualitasauto.com/(opens in a new tab)
- qualitasauto.comhttps://www.qualitasauto.com/atencion-cliente/preguntas-frecuentes/(opens in a new tab)
- qualitasauto.comhttps://www.qualitasauto.com/cobertura/(opens in a new tab)
- qualitasauto.comhttps://www.qualitasauto.com/descargas/legal/condiciones_generales.pdf#page=21(opens in a new tab)
- qualitasauto.comhttps://www.qualitasauto.com/descargas/legal/condiciones_generales.pdf#page=22(opens in a new tab)
- qualitasauto.comhttps://www.qualitasauto.com/descargas/legal/condiciones_generales.pdf#page=24(opens in a new tab)
- qualitasauto.comhttps://www.qualitasauto.com/descargas/legal/condiciones_generales.pdf#page=26(opens in a new tab)
- qualitasauto.comhttps://www.qualitasauto.com/descargas/legal/condiciones_generales.pdf#page=28(opens in a new tab)
- qualitasauto.comhttps://www.qualitasauto.com/descargas/legal/condiciones_generales_adm_1305.pdf#page=16(opens in a new tab)
- qualitasauto.comhttps://www.qualitasauto.com/descargas/legal/condiciones_generales_adm_1305.pdf#page=20(opens in a new tab)
- qualitasauto.comhttps://www.qualitasauto.com/descargas/legal/condiciones_generales_adm_1305.pdf#page=21(opens in a new tab)
- qualitasauto.comhttps://www.qualitasauto.com/descargas/legal/condiciones_generales_adm_1305.pdf#page=22(opens in a new tab)
- qualitasauto.comhttps://www.qualitasauto.com/descargas/legal/condiciones_generales_adm_1305.pdf#page=24(opens in a new tab)
- qualitasauto.comhttps://www.qualitasauto.com/descargas/legal/condiciones_generales_adm_1305.pdf#page=40(opens in a new tab)
- qualitasauto.comhttps://www.qualitasauto.com/descargas/legal/condiciones_generales_adm_1305.pdf#page=5(opens in a new tab)
- qualitasauto.comhttps://www.qualitasauto.com/descargas/legal/condiciones_generales_adm_1305.pdf#page=7(opens in a new tab)
- qualitasauto.comhttps://www.qualitasauto.com/seguros-coche/(opens in a new tab)
- qualitasauto.comhttps://www.qualitasauto.com/seguros-coche/todo-riesgo-franquicia/(opens in a new tab)
Qualitas Auto Casco (own-damage car insurance)