Zurich

Covers repair or replacement costs for material damage to the insured vehicle caused by an accident from an external, violent and sudden cause beyond the insured's will, whether in circulation, at rest or during transport. Includes damage from: collision, rollover, malicious acts of third parties, material defects. Valuation: new value for first 2 or 3 years (per Condiciones Particulares), then expanded market value (valor de mercado ampliado = new value minus 1% per month elapsed, floored at market value) for years 3-5, then market value (GANVAM reference) from year 6. Indemnification cannot exceed the insured sum in the policy. Deductible (franquicia) optionally applies.

A total loss (pérdida total / siniestro total) is declared when repair costs exceed 75% of the vehicle's market value immediately before the loss. Covered under §7 (standalone total loss guarantee) and also within §8 (own damage). Valuation follows the same age-based schedule: new value for 2 or 3 years, expanded market value for years 3-5, then market value. The salvage value (valor de restos) is deducted from the indemnification and remains with the insured.

Repair costs for damage that does not constitute a total loss (repair cost ≤75% of market value). The insurer assesses costs of materials, labour and VAT (where non-recoverable). Urgent repairs up to €300 may be carried out by the insured and reimbursed. Wear-and-tear parts (catalysts, batteries, clutches, exhausts, brakes) are subject to depreciation. Tyres/tubes covered only if the partial loss occurs alongside other material damage to parts other than the tyre/rim.

Covers damage from illegitimate taking of the insured vehicle by third parties against the owner's will. Insured sum = new value of vehicle plus accessories. Valuation: new value for first 2 or 3 years (2-year or 3-year option per Condiciones Particulares), then expanded market value (years 3-5), then market value from year 6. Complementary sub-limits: luggage/clothing stolen inside vehicle during travel away from habitual residence up to €300; personal objects of insured up to €300 (only when resulting from vehicle theft); child seats up to €300; EV/hybrid charging cables up to €200 per claim (max 1 claim/year, theft only, not petty theft). Tyres at 100% market value. Vehicle recovered within 30 days: insured must accept return.

Covers replacement or repair of glass (lunas) defined as: windscreen, front and rear screens, side windows, tinted glass, and factory-installed or declared panoramic/solar roofs. Covers fitting costs and accessories. Optional deductible may apply (amount per Condiciones Particulares). Excluded: damage to trailer/caravan glass, surface marks not constituting breakage, damage to headlights, mirrors or other glass objects not in the defined list.

Covers direct material damage to the insured vehicle caused by: (a) hail or snow; (b) flooding from overflow or diversion of lakes, canals, irrigation channels, sewers and other man-made or underground waterways; (c) collision with animals (wild game) provided there is a police report or verifiable evidence. Excludes events covered by the Consorcio de Compensación de Seguros (extraordinary risks). Valuation follows the same new-value / expanded-market-value / market-value schedule by vehicle age. Excluded: leaks, oxidation, humidity, water entering through open openings.

Covered within the own damage (§8) and total loss (§7) guarantees as damage caused by 'falta o hecho malintencionado de terceros' (malicious acts of third parties), provided the insured took all reasonable steps to avoid it and the act is not of a political-social nature. Also covered as part of the theft guarantee (§5c) for damage caused during the period of unlawful possession. Excluded if the act has a political-social character.

24-hour roadside assistance available from km 0 (including from home/garage). Service commitment: response in under 60 minutes or €60 refunded (valid until 31/12/2026, Spain only, PMA ≤3,500 kg, excluding force majeure). Three modalidades: Esencial (included as standard), Ampliada (optional – all Euro limits doubled, unlimited towing within peninsular Spain or one island), Plus (optional – adds replacement vehicle). Esencial covers: in-situ repair (≤30 min, up to €450); towing up to 200 km for vehicles ≤3,500 kg; rescue from rollover/ditch up to €450; vehicle repatriation if not repairable within 5 days and repair ≥8h; hotel costs up to €60/night (2 nights in Spain, 5 nights abroad); person transport if immobilised >48h in Spain or >5 days abroad; judicial bond advance abroad up to €4,800; legal defence costs abroad up to €1,800. Vehicle coverage: Spain, rest of Europe and Mediterranean bordering countries. Person coverage: worldwide.

Covers bodily injuries suffered by the authorised and legally qualified driver as a result of a traffic accident with the insured vehicle, including death, permanent disability and medical-pharmaceutical expenses. Two modalidades: Esencial (included) and Ampliada (optional – supplementary medical expenses doubled, medical care at partner centres unlimited). Capitals are set in Condiciones Particulares. Disability is assessed using the scale in the T&C (based on RD 888/2022). Maximum €3,000 for vehicle adaptation costs due to permanent disability. Advance of 50% of death benefit (up to €6,000) for administrative/fiscal costs. Medical expenses covered up to 1 year post-accident; complementary expenses (prostheses, dental, companion stay up to 10 days) up to €600.