Santalucía
Santalucía is a motor casco insurance for the ES market with online purchase and 24/7 assistance.
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
Geographic scope
Spain national
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
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 with automatic compensation: tow truck within 1 hour, expert assessment within 24 hours, and workshop completion within 72 hours — or the next renewal premium is waived.
- 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)
Covered
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.
Total Loss (Siniestro Total - Happyend 110)
Covered
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.
Partial Loss / Partial Damage
Covered
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.
Theft and Robbery (Robo e Hurto)
Covered
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%.
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.
Natural Perils (Pedrisco, Granizo)
Covered
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.
Vandalism (Hechos malintencionados de terceros)
Covered
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.
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)
Conditional
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.
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.
Key conditions
driver_age_experience_limit
No minimum driver age is stated for casco coverage in the general conditions. 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.
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. Pelayo 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), Santalucía compensates the insured by not charging the next annual renewal premium. Invoices are required to settle repair and parts replacement claims.
territorial_scope
Full casco coverage applies in Spain and Andorra. Third-party liability coverage extends to all EU member states and countries adhering to the Green Card system as listed on the International Insurance Certificate. For events in other EEA states or Multilateral Guarantee Convention countries, only mandatory civil liability limits of the event country apply (applying Spanish limits if higher). Perito Express assessment commitment applies only to workshops within Spanish territory.
anti_theft_requirements
No specific anti-theft device requirements are stated in the general conditions. In case of theft, the insured must file a police report immediately and provide a copy to Pelayo. If the vehicle is recovered before indemnification, the insured must accept it. At indemnification, the insured must sign transfer documents allowing Pelayo to take ownership if the vehicle is recovered afterwards.
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.
Documents
General Policy Conditions - Automobile Insurance (Pelayo Mutua for SantaLucía)
terms_and_conditions
Policy specifics
All Risk Coverage Variant
Casco insurance offering comprehensive all-risk coverage with optional deductible choices (200€ to 900€)
Vehicle Replacement Coverage
Rental car or replacement vehicle provided in case of accident or theft (CSI - Coche de Sustitución Inmediata)
New Replacement Value Coverage (First 2 Years)
In case of total loss, vehicle is covered at 110% of new value for first two years
Authorized Repair Network
Vehicle repairs must be performed at approved workshops; company commits to taller límite 72 horas (workshop completion within 72 hours)
Policyholder Ownership Requirement
The owner, habitual driver and insured must be the same person
Pelayo Partnership Administration
Casco insurance is underwritten and administered through an agreement with Pelayo Mutua de Seguros, though contracted and managed by SantaLucía