Reale Seguros Casco (own-damage car insurance) (Reale Moto Todo Riesgo)

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 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 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.

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 breakage cover is not offered for motorcycles and mopeds.

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) 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.

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 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.