SegurCaixa Auto Casco (own-damage car insurance) (Auto Seleccion Todo Riesgo)
Underwritten by SegurCaixa Adeslas, S.A. de Seguros y Reaseguros · Spain
casco (own-damage car insurance) from SegurCaixa Auto for the Spain market, with online purchase and 24/7 assistance.
Last verified Jul 18, 2026
Unique selling points
New-vehicle value guarantee: vehicles up to 2 years old receive total-loss indemnification at the full new sale price, not depreciated market value.
Roadside assistance from km 0 with a commitment to arrive in under 1 hour, covering any road type including rural and forest tracks, 24/7.
6 binding service commitments including loss adjuster in 24 hours, claims payment in 2 business days, and fast bodywork repair under 3 days – backed by a EUR 200 financial compensation for non-compliance.
All manufacturer standard and optional factory accessories automatically covered with no extra premium and no declaration required; additional accessories covered up to EUR 1,500 at first risk.
Animal collision coverage (wild boar, domestic animals) included from the Terceros con Lunas tier upward, plus a free annual 20-point vehicle safety check at partner workshops.
Coverage limits
Own damage (daños propios)
Covered
Covers material damage to the insured vehicle caused by a traffic accident regardless of fault, including collision, impact, overturning and road departure. Manufacturer standard and optional factory accessories are automatically included without declaration; other accessories covered up to EUR 1,500 at first risk. Tires, rims and batteries indemnified at 80% of new value. In case of total loss on vehicles up to 2 years old (first owner), indemnification is at the new vehicle sale price. Deductible applies (EUR 0 for no-excess tier; EUR 200, 300, or 600 for with-excess tiers) only on own-damage claims.
Total loss indemnification
Covered
In case of total loss by theft, fire or own damage: vehicles up to 2 years old (first owner) are indemnified at the new vehicle sale price; vehicles over 2 years old are indemnified at market value (valor venal). The insurer determines total loss based on vehicle age at the time of the claim.
Partial loss / repair costs
Covered
Repair costs for partial damage to the insured vehicle covered up to insured value. Deductible (EUR 0, 200, 300, or 600 depending on selected tier) applies on own-damage claims only. Bodywork repairs under EUR 500 without parts replacement are committed to be completed within 3 business days at partner workshops.
Theft and attempted theft
Covered
Covers material damage caused to the vehicle or its disappearance in case of theft or attempted theft. In case of total theft, a 40-day waiting period applies before indemnification. Theft must be reported to authorities; non-reported thefts are excluded. No deductible applies to theft claims.
Glass damage (lunas)
Covered
Covers repair or replacement of the front windscreen, rear window, side windows and sunroof. Also includes damage caused to glass by atmospheric phenomena such as hail and wind. No deductible applies to glass claims.
Natural perils / meteorological phenomena
Covered
Damage caused to the insured vehicle by meteorological phenomena (e.g. hail, wind) is included within the own-damage coverage of the Todo Riesgo modality. Extraordinary risks covered by the Consorcio de Compensación de Seguros (e.g. floods, earthquakes) are handled separately by the Consorcio.
Vandalism
Covered
Vandalism damage (e.g. scratches, dents) to the insured vehicle is covered within the own-damage (daños propios) coverage of the Todo Riesgo modality. Extraordinary acts of vandalism linked to riots or terrorism are covered by the Consorcio de Compensación de Seguros.
Roadside assistance (from km 0)
Covered
Vehicle and person assistance from km 0, activated from the insured person's home address. Includes on-site technical assistance, vehicle towing, rescue and fuel supply, 24 hours a day. Service commitment: arrival in less than 1 hour on main roads. Coverage applies in Spain, Europe and non-European Mediterranean countries within a 200 km coastal strip. Free dedicated phone line: 900 301 900.
Replacement vehicle (vehículo de sustitución)
Optional
Optional guarantee providing a free rental replacement vehicle in case of: theft (up to 40 days), fire (up to 20 days), attempted theft damage or accident immobilization where workshop time exceeds 24 hours (up to 12 days). Coverage begins from day 1 of immobilization. Available as a paid add-on to all modalities.
Driver accident coverage
Covered
Covers personal injury risks for the insured vehicle driver arising from a traffic accident, including death benefit, double death benefit (if both spouses die), total and permanent disability, and medical/treatment expenses. A base capital is included; an optional upgrade increases the death and total permanent disability capital to EUR 60,000. Death and permanent disability benefits cannot both be paid for the same accident.
Key conditions
Driver age and experience limit
Drivers over 25 years of age with more than 2 years of driving licence are automatically included in the policy. Drivers under 25 years of age or with less than 2 years of licence must be expressly declared to SegurCaixa Adeslas and covered under an additional guarantee; failure to declare may result in claims being rejected.
Repair network requirements
Free choice of workshop, including the vehicle's own brand dealership. Partner (collaborating) workshops offer additional benefits: priority repairs, photo-based loss adjustment, and vehicle delivery to the customer's home. A loss adjuster is committed to be sent to the designated workshop within 24 hours of appointment scheduling during business hours.
Anti-theft requirements
Not found in the available official sources. Theft must be reported to authorities; non-reported thefts are excluded from coverage.
Claim notification deadline
The insured must provide as much information as possible about the accident and the material and personal damages, and must identify any liable third parties and/or their insurer. Vehicle transfers must be communicated in writing to the buyer and to the insurer within 15 days of certification. The policy renews automatically annually; opposition to renewal must be communicated in writing at least 30 days before the expiry date.
Deductible rules
The deductible is defined in the Particular Conditions for each insured coverage. For the Todo Riesgo without excess (sin franquicia) tier, no deductible applies. For the Todo Riesgo with excess (con franquicia) tier, the deductible is EUR 200, 300, or 600 (depending on the option selected) and applies only to own-damage claims. Glass, theft, fire and roadside assistance claims are not subject to the deductible.
Direct payment
Claims indemnification is paid within 2 business days from the receipt of all required documentation once the indemnification amount has been agreed upon between SegurCaixa Adeslas and the beneficiary, and the beneficiary's bank account has been communicated. For total theft, the 2-business-day period begins after the 40-day waiting period stipulated in the policy.
Territorial scope
Roadside assistance: Spain, Europe and non-European Mediterranean coastal strip of 200 km. Civil liability, glass, own damage, theft, fire, driver accident: Spain, Andorra, EEA member states and other states adhering to the International Motor Insurance Certificate (Green Card).
Documents
IPID – SegurCaixa Auto Selección 2025 (Insurance Product Information Document) (opens in a new tab)
Product information sheet · PDF
General Terms and Conditions – SegurCaixa Auto Selección 2025 (opens in a new tab)
Terms & conditions · PDF
Service Commitments – SegurCaixa Auto Selección and MyBox Auto 2025 (opens in a new tab)
Other document · PDF
Policy specifics
Total loss indemnity for new vehicles
In case of total loss by theft, fire or own damage on vehicles up to 2 years old, indemnification is provided at the new vehicle sale price value
SourceAnimal collision damage coverage
Coverage for material damage caused to the vehicle as a result of collision with wild animals (e.g., wild boar) or domestic animals in Third-Party with Glass or higher modality
SourceRoadside assistance from km 0
Vehicle and person assistance from km 0, meaning assistance is available from the insured person's home address throughout Spanish territory
SourceFactory accessories automatically covered
All standard or optional factory-fitted accessories are automatically covered without the need for express declaration, and without additional premium. Other (non-factory) accessories are also covered up to EUR 1,500 at first risk, without declaration.
SourceFree 20-point safety check
Annual free 20-point vehicle safety inspection at partner workshops covering engine oil, coolant, brake fluid, clutch, windscreen wipers, belts, lights, tyres, suspension, steering, transmission, exhaust and seat belts
SourceLoss adjuster within 24 hours
Service commitment to send a loss adjuster to the designated workshop within less than 24 hours from appointment scheduling, during customer service hours
SourceClaims payment within 48 hours
Service commitment to process claims payment within 48 hours from correct delivery of all necessary documentation and agreement on indemnification amount
SourceFast repair under €500
Service commitment for bodywork repairs under €500 without spare parts replacement at authorized workshops within 3 working days after damage validation by loss adjuster
SourceReplacement vehicle – duration limits
Optional guarantee. Free rental vehicle from day 1 of immobilization when workshop time exceeds 24 hours. Duration limits: up to 12 days for accident or attempted theft damage; up to 40 days for total theft; up to 20 days for fire.
SourceSegurCaixa Auto Casco (own-damage car insurance)