Insurer profile
FIATC, Mutual Insurance and Reinsurance Company at Fixed Premium
FIATC, Mutual Insurance and Reinsurance Company at Fixed Premium · Spain
Overview
FIATC (Federación Industrial del Autotransporte de Catalunya) is the second-largest mutual insurer in Spain by premium volume, founded in 1930 in Barcelona. As a mutual company with no shareholders, it offers a comprehensive range of insurance products for individuals and businesses across all lines, including health, motor, home, life, travel, and commercial, as well as operating health clinics and residential care centres for the elderly.
Source28
Products in this market
3
Offer pages
Company details
- Regulator
- Directorate General of Insurance and Pension Funds (DGSFP), under the Ministry of Economy, Trade and Business of Spain
- Phone
- +34 900 252 213
- [email protected]
Products from FIATC, Mutual Insurance and Reinsurance Company at Fixed Premium
Motor5
Third-Party Car Insurance (Basic)
Mandatory third-party liability car insurance covering damages caused to third parties, including civil liability and legal defence.
Extended Third-Party Car Insurance
Extended third-party car insurance adding theft, fire, and glass breakage coverage beyond basic civil liability.
Comprehensive Car Insurance (All-Risk)
Comprehensive all-risk car insurance covering own vehicle damages in addition to third-party liability, with optional excess (franchise).
Motorcycle Insurance
Insurance for motorcycles available in third-party, extended third-party, and all-risk modalities, covering civil liability and optional own damages.
Motorhome Insurance
Specialized insurance for motorhomes and camper vans, offering tailored coverage for both vehicle and living areas.
Property7
Primary Residence Home Insurance
Home insurance for owner-occupied primary residences covering fire, water damage, theft, electrical damage, civil liability, and 24/7 assistance.
Rental Owner Home Insurance
Home insurance for landlords covering the property and its contents when rented out, including civil liability for damages caused to tenants.
Tenant Home Insurance
Home insurance tailored for tenants, covering contents up to €8,000, water damage, civil liability, electrical damage, glass breakage and home assistance.
Rent Default Insurance
Insurance for landlords protecting against non-payment of rent by tenants, covering outstanding rent and related legal costs.
Homeowners Community Insurance
Insurance for homeowners' communities covering building damages, civil liability up to €600,000, legal assistance, and common area incidents.
Maxiempresa — Business Multi-Risk Insurance
Modular multi-risk insurance for industrial and commercial businesses, adaptable to the specific characteristics of each enterprise.
Multi-Risk Business Insurance (Commerce / SME)
Comprehensive and modular multi-risk insurance for shops, retail businesses, and SMEs, covering property, liability, and business interruption.
Health5
Complete Health Insurance (Medifiatc)
Comprehensive private health insurance with full access to all specialties, diagnostics, surgery and hospitalization with no co-payment.
Health Insurance without Hospitalization (Medifiatc Start)
Basic outpatient health insurance covering primary care and specialist consultations without hospitalization or emergency services.
Reimbursement Health Insurance
Health insurance with free choice of doctor and clinic, reimbursing medical expenses after the insured pays out-of-pocket.
Dental Insurance
Dental insurance covering preventive oral care free of charge and other dental services at reduced prices, including up to 25% discount.
Corporate Health Insurance
Group health insurance product designed for companies and their employees, offering collective health coverage at competitive rates.
Liability2
Professional Civil Liability Insurance
Professional liability insurance covering claims from third parties for material or personal damages resulting from professional activities (lawyers, architects, managers, etc.).
General Civil Liability Insurance
General civil liability insurance for businesses covering damages to third parties arising from business operations or ownership of property.
Life3
Life Insurance
Life insurance providing financial security for the insured and their family in case of death, permanent disability, or serious illness.
Accident Insurance
Personal accident insurance covering death, permanent and temporary disability resulting from accidents, with optional supplementary coverage.
Burial / Death Insurance (Decesos)
Funeral and death insurance covering all burial expenses, legal and administrative management after death, and optional international repatriation.
Other2
Boat / Watercraft Insurance
Insurance for leisure boats including mandatory civil liability, optional hull damage, theft, towage, and 24/7 nautical assistance coverage.
Agricultural Insurance (Agropecuario)
Insurance for agricultural, livestock, forestry, and aquaculture activities, covering combined agricultural risks and specific citrus farming.
Regulatory updates
FIATC is registered with the DGSFP under code M0134. As of 2025 financial results, the company maintains a strong solvency ratio (SCR) of 273.53%, with free capital of €431.85 million above the regulatory minimum, and holds an A- credit rating with stable outlook from Standard & Poor's. The company nearly doubled its profit in 2025 (€27.38 million, up 91%) and surpassed €1 billion in premium volume for the first time. Spain's Ley 5/2025 (transposing the EU Motor Insurance Directive) made insurance mandatory for personal mobility vehicles, and the DGSFP is in the process of transposing the revised Solvency II Directive and the Recovery and Resolution Directive, both expected to enter into force in early 2027.
Reputation and reviews
Offer pages
Casco (own-damage car insurance)
casco (own-damage car insurance) from FIATC for the Spain market, with online purchase and 24/7 assistance.
Last verified Jul 18, 2026
Motor third-party liability
motor third-party liability insurance from FIATC for the Spain market, with online purchase and 24/7 assistance.
Last verified Jul 17, 2026
Travel insurance
travel insurance from FIATC for the Spain market, with online purchase and 24/7 assistance.
Last verified Jul 16, 2026