Agrupació
Agrupació is a motor third-party liability insurance for the ES market with online purchase and 24/7 assistance.
Direct payment
No information found in the verified sources about a direct payment policy to repairers specific to this product.
Geographic scope
Spain (nationwide)
Spain; Green Card countries for compulsory RC. Roadside assistance available even when travelling without the vehicle.
Unique selling points
- Agrupació claims the broadest civil liability coverage on the Spanish insurance market, going beyond the statutory minimum for RC.
- Comprehensive legal protection extended to the policyholder's entire family, including fine management, advance payment of indemnities, and cover for third-party insolvency.
- Roadside and travel assistance covers the policyholder even when travelling without the insured vehicle, with vehicle recovery to the workshop of their choice near their home.
- Total-loss valuation at new replacement value (valor a nuevo) for the first two years from registration, delivering above-average market compensation in the event of a write-off.
- No-claims bonus of over 50% available, backed by optional unemployment insurance protection that allows policyholders to maintain cover even if they lose their job.
Coverage limits
Bodily Injury Liability (Compulsory MTPL)
Covered
Covers personal injury damages caused to third parties up to the statutory Spanish MTPL limit of €70 million per accident, regardless of the number of victims. Agrupació markets this as the broadest civil liability coverage on the insurance market.
Property Damage Liability (Compulsory MTPL)
Covered
Covers material damages caused to third-party vehicles and property up to the statutory Spanish MTPL limit of €15 million per accident, as established by Real Decreto Legislativo 8/2004.
Legal Defence and Claims Management
Covered
Comprehensive legal protection covering defence and claims management, legal and financial assistance in the event of driving licence loss, traffic fine management, advance payment of indemnities, coverage for third-party insolvency, and other legal protections — extended also to the policyholder's family. No specific monetary limit disclosed in the official product page.
International Insurance Certificate (Green Card)
Covered
As a Spanish compulsory MTPL policy, the Green Card extends civil liability coverage to all Green Card member countries. Specific issuance procedure not detailed on the official product page.
Roadside Assistance and Travel Assistance
Covered
Travel assistance is included, covering the policyholder even when travelling without the vehicle. Option to recover and transfer the vehicle to a workshop of the policyholder's choice, near their home address. No kilometre limit or specific monetary cap disclosed on the official page.
Driver Accident Coverage
Covered
Driver accident coverage is listed among the coverages of the Agrupació car insurance product, but no specific capital sum or coverage limit is disclosed on the official product page.
Passenger Accident Coverage
Covered
Passengers are covered under the compulsory MTPL policy for bodily injury caused by the insured vehicle. A specific passenger accident guarantee beyond statutory RC is not explicitly detailed on the official product page.
Key conditions
territorial_scope
Spain for compulsory MTPL. Green Card countries for civil liability extension. Roadside assistance available even when the policyholder travels without the vehicle.
green_card_rules
The policy covers civil liability in all countries adhering to the Green Card (Inter-Bureaux Convention). Specific issuance procedure not detailed on the official product page; policyholders should contact Agrupació before travelling internationally.
driver_restrictions
No specific driver restrictions (e.g. minimum age, driving licence seniority) disclosed on the official product page. Standard Spanish insurance law principles apply regarding declared drivers.
claim_notification_deadline
No specific claim notification deadline stated on the official Agrupació product page. Spanish insurance law (Ley 50/1980) sets a general obligation to report claims as soon as possible.
bonus_malus_rules
Agrupació applies a no-claims bonus system: policyholders can achieve over 50% discount for claims-free years. The specific scale and malus penalties are set by Agrupació per its internal pricing policy. Claims history is shared via the SINCO inter-insurer database.
Policy specifics
Trailer and Caravan Coverage
Optional add-on to include coverage for a trailer or caravan even when its total mass exceeds 750 kg. Available across all modalities.
Vehicle Awaiting Sale Coverage
When acquiring a new vehicle, the previous vehicle remains insured with the same coverages for up to 30 days while awaiting sale. Available in all modalities.
Unemployment Protection Add-on
Optional unemployment protection insurance can be added to the motor policy, providing cover if the policyholder becomes unemployed.
New Replacement Value for Total Loss
In the event of a total loss, the vehicle is valued at its full new retail price (valor a nuevo) for the first two years from first registration, providing an above-market valuation methodology.
No-Claims Bonus
Policyholders can achieve over 50% discount for sustained claims-free driving history. Agrupació sets its own bonus-malus scale per its internal pricing policy.