Reale Seguros
Reale Seguros is a motor casco insurance for the ES market with online purchase and 24/7 assistance.
Direct payment
Reale does not operate a general direct payment system to third-party repairers as standard for motorcycles. Repairs are coordinated through Reale's network of authorised workshops; the insured may freely choose any workshop. In the event of total loss, compensation is paid to the insured. Emergency roadside assistance is available by calling 902 400 900.
Geographic scope
Spain (all national territory including Canary Islands, Balearic Islands, Ceuta and Melilla)
All national territory plus countries party to the Multilateral Guarantee Agreement and Inter-Bureaux Agreement. Traffic fine management coverage limited to Spain only.
Unique selling points
- Free choice of any repair workshop at no extra cost, with access to Reale's preferred network offering priority service and competitive pricing.
- Todo Riesgo tier covers hail damage and vandalism (with police report), perils that many competitors offer only as paid add-ons.
- Optional driver accident cover selectable up to 18,000€ for death or permanent disability, including medical and psycho-emotional assistance and up to 300€ for helmet and riding gear damage.
- Online quote and purchase in under 2 minutes via the Reale calculator, with annual, semi-annual, or quarterly payment options.
- 24/7 claims and assistance helpline (902 400 900) backed by more than 180 years of insurer history and over 1.5 million customers in Spain.
Coverage limits
Own damage (Daños Propios)
Conditional
Comprehensive own-damage coverage (accidents, hail, vandalism, fire, theft) included in the Todo Riesgo con Franquicia tier only, available exclusively to preferred clients (clientes preferentes). The insured sum is based on new value for the first 2 years, then market value plus a declining supplement in years 3–5, and market value from year 6 onwards, calculated from the date of first registration. A compulsory deductible (franchise) of 150€, 300€, or 600€ applies per claim.
Total loss (Pérdida Total / Siniestro Total)
Conditional
Total loss is declared when the repair cost at the time of the claim exceeds the indemnifiable value of the motorcycle. Covered in the Todo Riesgo tier (available only to preferred clients). Indemnification is based on new value for the first 2 years, market value (valor venal) plus a decreasing supplement in years 3–5, and market value from year 6. The value of salvage remains with the insured and is deducted from the insured capital. The deductible does not apply to total-loss events.
Partial damage (Daños Parciales)
Conditional
Partial damage to the motorcycle covered in the Todo Riesgo tier, available only to preferred clients. Damage is assessed at the cost of repair or replacement without exceeding the limit of indemnification. A fixed deductible (150€, 300€, or 600€ selected by the insured) applies per partial-damage claim. Damage assessment is agreed mutually within 3 working days of receiving the claim declaration, provided the repair workshop is indicated.
Theft and robbery (Robo)
Conditional
Covers total and partial theft of the motorcycle (as defined by the Criminal Code). Included in Terceros Ampliado (Terceros + Robo) and Todo Riesgo tiers. In Todo Riesgo, theft coverage is available only to preferred clients. If the motorcycle is recovered within 30 days of the theft report, Reale covers repair of damages to the vehicle and accessories. If not recovered within 30 days, economic compensation is paid. Petty theft (hurto), theft of tyres only, theft due to gross negligence, theft by family members or employees, and unlawful appropriation (apropiación indebida) are excluded.
Glass damage (Rotura de lunas)
Excluded
Glass damage (rotura de lunas) is not listed as a coverage in the motorcycle IPID (Póliza Auto Reale 302 – 3ª Categoría) or in the auto-moto product information for the motorcycle category. This coverage is available for passenger cars (1ª Categoría) but not for motorcycles and mopeds.
Natural perils and fire (Incendio / Pedrisco)
Conditional
Fire (incendio) is included in all motorcycle tiers including Terceros Básico. Hail damage (pedrisco) is covered in the Todo Riesgo tier. Extraordinary natural events (floods, earthquakes, volcanic eruption, atypical cyclonic storms, meteor strikes) are handled by the Consorcio de Compensación de Seguros when the corresponding surcharges have been paid. Fire is excluded for Moto Verde and Ciclomotor under the voluntary insurance in the IPID.
Vandalism (Actos vandálicos)
Conditional
Vandalism (actos vandálicos) to the motorcycle is covered in the Todo Riesgo tier, available only to preferred clients. A police report from the competent authority is required as a condition for coverage. The fixed deductible chosen by the insured applies.
Roadside assistance (Asistencia en Viaje)
Optional
Travel and roadside assistance is an optional coverage for motorcycles, offered without a replacement vehicle ('sin vehículo de sustitución'). An 'Amplia' (extended) assistance option covers up to 300€ for towing and rescue. An urban assistance option is available for those who only ride in the city. Requests must be made to Reale before the services are provided, except in cases of force majeure. The 902 400 900 number is used to request roadside assistance services.
Replacement vehicle (Vehículo de sustitución)
Excluded
Replacement vehicle coverage is not available for the motorcycle product (Póliza Auto Reale 302 – 3ª Categoría). The roadside assistance for motorcycles is explicitly offered 'without a replacement vehicle' (sin vehículo de sustitución). This coverage is available for passenger cars (1ª Categoría / Reale Mi Coche) but not for motorcycles.
Driver accident cover (Accidentes del Conductor)
Optional
Optional driver accident coverage available across all motorcycle tiers. Capital selectable at 6,000€, 12,000€, or 18,000€ for death or permanent disability resulting from an accident. Also includes medical, pharmaceutical, surgical, hospital, and psycho-emotional assistance, plus coverage for damage to rider equipment (casco and clothing) up to 300€. Excluded: intentional self-harm, accidents during sporting competitions, drunk/drug driving, riding without a valid licence.
Key conditions
driver_age_experience_limit
Any adult driver with the appropriate licence required to ride the insured motorcycle may be insured. No minimum number of years of licence seniority is required. Age and licence date are data collected at underwriting and affect the premium calculation.
repair_network_requirements
The insured may freely choose any workshop for repairs at no additional cost. Reale also offers a network of preferred authorised workshops with priority service and competitive pricing. Damage assessment is conducted by mutual agreement within 3 working days of receiving the claim, provided the chosen workshop has been indicated.
territorial_scope
All coverages are valid throughout Spain (including Canary Islands, Balearic Islands, Ceuta and Melilla) and in countries party to the Multilateral Guarantee Agreement and Inter-Bureaux Agreement. Traffic fine management (gestión de multas) is limited to Spain only. The mandatory civil liability (RC obligatoria) extends throughout the European Economic Area.
anti_theft_requirements
No specific anti-theft device requirement is stated in the product documents. However, theft due to gross negligence by the insured, policyholder, driver, or persons who depend on or live with them is excluded from coverage.
claim_notification_deadline
The claim must be reported to Reale as soon as possible and within a maximum of 7 days from the date on which the insured becomes aware of the incident. Any judicial, extrajudicial, or administrative notification related to the claim must also be communicated to Reale. Claims can be reported at Reale offices, through a mediator, or by calling 902 400 900.
deductible_rules
A fixed deductible (franquicia) of 150€, 300€, or 600€ is selected by the insured at the time of contracting the Todo Riesgo tier. The deductible applies to all partial-damage claims but does not apply in the case of total loss (siniestro total). The deductible amount is borne entirely by the insured in each claim event. Reale cannot oppose the existence of a deductible against the injured third party in mandatory civil liability claims.
Where to buy
Policy specifics
Helmet and clothing replacement
Coverage for repair or replacement of helmet and clothing damaged in accidents involving the insured vehicle
Motorcycle damage coverage (Todo Riesgo)
Comprehensive damage coverage including accidents, theft, hail damage, vandalism, and other risks to the motorcycle
Accident notification deadline
Insured must notify the insurer of an accident/damage occurrence within maximum 7 days from when it becomes known
Preferred repair workshops network
Although free workshop choice is permitted, Reale has preferred workshops offering special conditions including pickup/delivery service within 25km radius, courtesy vehicles, and special pricing
Mandatory civil liability limits
Minimum mandatory civil liability coverage: 70 million euros for personal injury, 15 million euros for property damage per incident, regardless of number of victims