Santalucía Casco (own-damage car insurance) (Seguro Automovil Todo Riesgo)
Underwritten by Santa Lucía S.A. Compañía de Seguros y Reaseguros · Spain
casco (own-damage car insurance) from Santalucía for the Spain market, with online purchase and 24/7 assistance.
Last verified Jul 18, 2026Sources
Unique selling points
Happyend 110: in case of total loss, the vehicle is indemnified at 110% of its new value during the first two years from registration.
Guaranteed service levels: tow truck within 1 hour, expert assessment within 24 hours, and workshop completion within 72 hours — or the next renewal premium is waived on request.
Flexible deductible options from 200 EUR to 900 EUR (or zero deductible), giving customers control over premium versus out-of-pocket cost.
Glass damage deductible waived when windscreen or window breakage is the sole claim, covering repair or replacement in full with a home-visit service for small chips.
Transparency commitment: full policy T&C available before contracting, with a Customer Ombudsman and a money-back guarantee if contracted benefits are not delivered.
Coverage limits
Own Damage (Daños Propios)
110% of insured sum
Covers damage to all standard series elements of the vehicle caused by traffic accident, impact of objects, hail or hailstorm, vehicle falling or terrain subsidence, malicious acts by third parties and vandalism, and vehicle transport by other means. Repair cost is covered at 100% of all series elements including tyres when the total cost does not exceed the applicable total-loss threshold. In the first two years from first registration, total-loss settlement is 110% of new value (first owner) or 110% of acquisition value (subsequent owners); thereafter 110% of GANVAM value.
Section: Los daños propios
Los daños producidos en todos los elementos de serie del vehículo por: • Accidente de circulación. • Impacto de objetos, pedrisco o granizo. • Caída del vehículo y hundimiento de terrenos o construcciones. • Hechos malintencionados de terceros y vandalismo. • Traslado del vehículo en otros medios de transporte.
Total Loss (Siniestro Total - Happyend 110)
110% of insured sum
Total loss is declared when the estimated repair cost exceeds 100% of the new value or GANVAM value depending on vehicle age. Settlement is 110% of the new value for the first two years from first registration (first owner), or 110% of acquisition value for subsequent owners; 110% of GANVAM value after two years. Applies in both the fire (incendio) and own-damage (daños propios) coverage sections.
Section: Los daños propios > Happyend 110
Cuando se produzca siniestro total del vehículo en los dos primeros años desde la primera matriculación, se abonará el 110 % del valor de nuevo del vehículo si el asegurado es el primer propietario. Si el asegurado es el segundo o posterior propietario, el 110 % del valor de adquisición en vez del valor de nuevo.
Partial Loss / Partial Damage
100% of insured sum
Where the total repair cost does not constitute a total loss, repair is covered at 100% for all standard series elements including tyres. Emergency repairs under 150 EUR may be approved without prior expert assessment. A deductible (franquicia) between 200 EUR and 900 EUR applies to the con-franquicia variant; no deductible applies to the sin-franquicia variant. The deductible is not applied when the only damage is glass breakage.
Section: Los daños propios
Siempre que el coste total de la reparación, tasada previamente por perito profesional, no supere las cantidades anteriores, se cubre la reparación al 100 % para todos los elementos de serie incluido los neumáticos.
Theft and Robbery (Robo e Hurto)
100% of insured sum
Covers both robbery (with force) and theft (without force). In the first year from first registration, the first owner is indemnified at 100% of the new value; subsequent owners receive 100% of the acquisition value. After the first year, compensation is 100% of the GANVAM value. Damage to the recovered vehicle while stolen is covered at 100% of repair cost (assessed by professional surveyor) up to the theft indemnity limit, except tyres which are depreciated by year. Damage to locks, glass and interiors caused during the robbery attempt is covered at 100%.
Section: El robo > Daños al vehículo recuperado mientras estaba robado o hurtado
Sin sobrepasar la indemnización por robo o hurto, se cubre el 100 % del coste de dichos daños, tasados previamente por perito profesional, excepto los neumáticos, que se cubren según su antigüedad: 100 % en el primer año, 80 % en el segundo y tercero y 50 % a partir del cuarto año.
Glass Damage (Lunas)
Covered
Covers breakage of the front windscreen, rear window, side windows, and factory-fitted or declared sunroof due to impacts, collisions or hail damage. Includes a home-visit repair service for small windscreen chip repairs. No monetary cap stated; the deductible is waived when glass damage is the sole claim.
Section: Las lunas
Esta garantía sirve para cubrirse de la rotura de las lunas del vehículo en caso de: • Eventuales impactos o choques • Daños por pedrisco.
Natural Perils (Pedrisco, Granizo)
100% of insured sum
Hailstorm and hail damage to the vehicle is covered under the own-damage (daños propios) section. Government-declared catastrophes or national calamities are excluded; those events are handled by the Consorcio de Compensación de Seguros under Spanish law.
Section: Los daños propios
Impacto de objetos, pedrisco o granizo.
Vandalism (Hechos malintencionados de terceros)
100% of insured sum
Malicious acts by third parties and vandalism causing damage to the vehicle are covered under the own-damage (daños propios) section of the todo-riesgo tier. Intentional damage caused by the policyholder, insured, driver or family members is explicitly excluded.
Section: Los daños propios
Hechos malintencionados de terceros y vandalismo.
Roadside Assistance / Towing
Covered
Emergency towing to the nearest workshop is included in the todo-riesgo and combinado tiers. SantaLucía commits to dispatching a tow truck within one hour; if this service level is missed, the next renewal premium is waived as compensation. Extended travel assistance (occupant support, accommodation, international coverage) is available as the optional Asistencia Azul add-on.
Replacement Vehicle (Vehículo de Alquiler / CSI)
€210
A rental vehicle is covered up to a maximum of 210 EUR when a total loss is declared on the insured vehicle during the first two years from first registration. This basic benefit is part of the own-damage (daños propios) cover. For broader replacement vehicle coverage including accident and theft scenarios beyond total loss, the optional Asistencia Azul add-on (CSI - Coche de Sustitución Inmediata) must be contracted separately.
Section: Los daños propios > Vehículo de alquiler
Si se declara siniestro total el vehículo asegurado durante los dos primeros años desde la primera matriculación, se tendrá derecho a un vehículo de alquiler con un límite máximo de 210 e.
Driver Accident Cover (Accidentes Personales del Conductor)
Covered
Personal accident cover for the driver and/or vehicle occupants resulting from a traffic accident involving the insured vehicle. Benefits include: death capital (as stated in particular conditions), absolute permanent disability capital (double for total disability), partial permanent disability as a percentage of the absolute disability capital per a defined table, daily benefit for temporary incapacity (ages 16–70 only), and medical assistance expenses for 365 days post-accident. In case of accidental death during the first two years, the policy also covers funeral service expenses up to 3,000 EUR if the full service cannot be provided. All capitals are indexed annually to the Spanish CPI. Exact capital amounts are defined in the particular conditions and are therefore not fixed in the general terms.
Section: Los accidentes personales
Es un seguro de accidentes destinado, según se establezca en condiciones particulares, a la persona que conduce o a las personas que ocupan las plazas del vehículo en caso de accidente de circulación.
Key conditions
Driver age and experience limit
The daily temporary disability benefit under personal accident cover is restricted to insured persons aged 16 to 70. Specific age or experience restrictions for occasional drivers may be set in the particular conditions.
SourcePage 19Section: Los accidentes personales
La prestación diaria establecida en las condiciones particulares a los asegurados entre 16 y 70 años de edad cuando precisen como consecuencia del accidente asistencia sanitaria y se encuentren temporalmente incapacitados de forma absoluta para el trabajo.
Repair network requirements
Vehicle repairs must be assessed by a professional expert (perito) before repair commences. Assessment must begin within five business days of the insured notifying the workshop. The insurer commits to the Perito Express service: assessment on the next business day after the claim is declared (for workshops within Spanish territory). If any service level is missed (tow within 1 hour, expert assessment within 24 hours, workshop completion within 72 hours), the insured is compensated by not being charged the next annual renewal premium. Invoices are required to settle repair and parts replacement claims.
SourcePage 37Section: Condiciones comunes a todas las coberturas > Perito express
Pelayo se compromete a peritar el vehículo en el día siguiente hábil a la fecha de declaración del siniestro, siempre que se encuentre depositado en el taller, o bien, a realizar dicha peritación posteriormente en la fecha que indique el asegurado. Este compromiso se aplicará únicamente a talleres ubicados en el territorio español. Pelayo establecerá en cada año la cuantía con la que compensará económicamente al asegurado por el retraso.
Anti-theft requirements
In case of theft, the insured must file a police report immediately and provide a copy to the insurer. If the vehicle is recovered before indemnification, the insured must accept it. At indemnification, the insured must sign transfer documents allowing the insurer to take ownership if the vehicle is recovered afterwards.
SourcePage 25Section: El robo > Traslado al taller más cercano o domicilio del asegurado desde el lugar de recuperación
En caso de robo el asegurado deberá prestar colaboración en la recuperación y presentar a Pelayo copia de la denuncia cursada de forma inmediata ante el organismo policial competente. El asegurado deberá recibir el vehículo si se recupera antes de ser indemnizado por Pelayo. En el momento de la indemnización debe entregar y firmar la documentación necesaria para que pueda realizarse la transferencia de la propiedad a favor de Pelayo en caso de que apareciese el vehículo con posterioridad.
Claim notification deadline
The insured must immediately notify Pelayo of any claims, citations, or judicial notifications received, specifying the means and date of receipt. For traffic fines, notification must occur within 5 calendar days of receiving the sanction. For licence withdrawal, the insured must deliver documentation to Pelayo within 7 days of notification. Failure to notify promptly may result in reduced benefits.
Deductible rules
The todo-riesgo (own damage) cover can be contracted with or without a deductible. The deductible options range from 200 EUR to 900 EUR. The deductible is charged to the insured per accident. The deductible is NOT applied when the only damage in the accident is glass breakage (lunas). Emergency repairs under 150 EUR may be approved without prior expert assessment.
Direct payment
Pelayo pays repair shops directly when using the concerted network of authorised workshops; for reimbursement cases, invoices must be provided; emergency repairs under 150 EUR may be approved without prior expert assessment
Territorial scope
Spain and Andorra (full coverage); EU member states and Green Card countries; civil liability only at mandatory minimums for EEA states and Multilateral Guarantee Convention countries
Documents
Policy specifics
All Risk Coverage Variant
Casco insurance offering comprehensive all-risk coverage with optional deductible choices (200€ to 900€)
SourceVehicle Replacement Coverage
Rental car or replacement vehicle provided in case of accident or theft (CSI - Coche de Sustitución Inmediata)
SourceSection: Servicios exclusivos para ti
CSI: un coche de alquiler para sustituir tu vehículo en caso de accidente o robo (contratando Asistencia Azul).
New Replacement Value Coverage (First 2 Years)
In case of total loss, vehicle is covered at 110% of new value for first two years
SourceSection: Servicios exclusivos para ti
En caso de siniestro total de tu coche, el 110 % de su valor de nuevo durante los dos primeros años.
Authorized Repair Network
Vehicle repairs must be performed at approved workshops; company commits to taller límite 72 horas (workshop completion within 72 hours)
SourceSection: ¿En qué consiste el seguro de Auto?
Si incumplimos cualquiera de los niveles de servicio, te compensamos no cobrando el precio del seguro de la próxima renovación: grúa en una hora, perito express con valoración en las primeras 24 horas y taller límite 72 horas.
Pelayo Partnership Administration
Casco insurance is underwritten and administered through an agreement with Pelayo Mutua de Seguros, though contracted and managed by SantaLucía
SourceSource no longer reachableSources
- ayuda.santalucia.eshttps://ayuda.santalucia.es/faq/santalucia-ofrece-seguros-para-automoviles-y-o-motocicletas/(opens in a new tab)Source no longer reachable
- santalucia.eshttps://www.santalucia.es/documentos_slw4/1574980971091/automovil.pdf#page=17(opens in a new tab)
- santalucia.eshttps://www.santalucia.es/documentos_slw4/1574980971091/automovil.pdf#page=20(opens in a new tab)
- santalucia.eshttps://www.santalucia.es/documentos_slw4/1574980971091/automovil.pdf#page=24(opens in a new tab)
- santalucia.eshttps://www.santalucia.es/documentos_slw4/1574980971091/automovil.pdf#page=25(opens in a new tab)
- santalucia.eshttps://www.santalucia.es/documentos_slw4/1574980971091/automovil.pdf#page=28(opens in a new tab)
- santalucia.eshttps://www.santalucia.es/documentos_slw4/1574980971091/automovil.pdf#page=29(opens in a new tab)
- santalucia.eshttps://www.santalucia.es/documentos_slw4/1574980971091/automovil.pdf#page=37(opens in a new tab)
- santalucia.eshttps://www.santalucia.es/seguros-coche(opens in a new tab)
Santalucía Casco (own-damage car insurance)