Allianz
Allianz is a motor third-party liability insurance for the ES market with online purchase and 24/7 assistance.
Direct payment
Allianz pays third-party claimants directly up to mandatory RC limits (€70M bodily injury / €15M property damage per claim); repairs must be carried out at Allianz network workshops unless optional free-choice-of-workshop cover is contracted.
Geographic scope
ES
España y todos los países del Espacio Económico Europeo, Ciudad del Vaticano, Mónaco, San Marino, Gibraltar y demás países firmantes del Convenio Carta Verde, excepto Rusia y Bielorrusia
Unique selling points
- Roadside assistance is included from kilometre 0 in every policy tier — even the most basic third-party cover — available 24/7, 365 days a year, both in Spain and internationally.
- Driver personal accident cover up to €100,000 for death or permanent disability is included as standard, a benefit many competitors offer only as a paid add-on.
- Replacement vehicle is provided at no extra cost in all modalities (except the base Terceros tier) when the vehicle is repaired at an Allianz network workshop, with no day limit while repairs are under way due to an accident.
- 20% deductible discount is automatically applied on comprehensive policies when repairs are carried out at Allianz Excelentes network workshops, which also offer home collection and delivery of the vehicle.
- Over 4 million customers in Spain backed by the global Allianz Group, with a nationwide network of branch offices and approved workshops offering personalised, in-person assistance and digital claims filing.
Coverage limits
Bodily Injury Liability (Mandatory RC)
Covered
Mandatory civil liability coverage for bodily injury caused to third parties during vehicle circulation. Covers up to €70 million per claim regardless of the number of victims, in accordance with the V EU Motor Insurance Directive.
Property Damage Liability (Mandatory RC)
Covered
Mandatory civil liability coverage for property damage caused to third parties during vehicle circulation. Covers up to €15 million per claim, in accordance with the V EU Motor Insurance Directive.
Legal Defence and Claims Recovery
Covered
Covers the legal costs of defending the policyholder against third-party claims arising from a traffic accident with the insured vehicle. Also covers judicial and extrajudicial costs for recovering damages from the at-fault party. Specific monetary limit is stated in the policy's particular conditions.
Green Card (International Motor Insurance Certificate)
Covered
Coverage automatically extends to all EEA countries, Vatican City, Monaco, San Marino, Gibraltar, and all signatory countries of the Green Card Convention (except Russia and Belarus), with no additional premium required.
Roadside Assistance
Covered
24/7 roadside and travel assistance from kilometre 0, available 365 days a year, nationwide and internationally. Covers vehicle towing to the nearest Allianz network workshop, on-site repair if possible, and passenger assistance if the vehicle cannot continue. Personal assistance to passengers is provided when the incident occurs more than 25 km (15 km on the islands) from the policyholder's home.
Driver Personal Accident Cover
Covered
Covers the insured driver for bodily injury resulting from a traffic accident for which the driver is responsible. Benefits include: death or permanent total disability up to €100,000; medical assistance expenses; and adaptation of vehicle and home depending on the contracted modality. Indemnity per disability score: up to €1,000 per point lost, with a maximum of €100,000.
Passenger Personal Accident Cover
Excluded
Separate passenger accident cover is not included as a standalone benefit in the Automóviles Plus Terceros standard MTPL product. Passengers injured by a third-party at-fault driver are compensated via the mandatory RC liability coverage of the at-fault party. The driver accident cover applies only to the declared insured driver.
Key conditions
territorial_scope
Coverage applies automatically and without additional premium throughout Spain (including Canary Islands, Ceuta, and Melilla), all EEA member states, Vatican City, Monaco, San Marino, Gibraltar, and all countries signatory to the Green Card Convention (Complementary Convention of 12/12/1973), except Russia and Belarus.
green_card_rules
The Green Card (International Motor Insurance Certificate – CIS) is issued by Allianz via the OFESAUTO/ReCIS centralised system. It is required when travelling to countries outside the EEA that demand proof of insurance. Coverage in Green Card countries is provided at the legally required minimum of the country visited. Allianz registers the vehicle in the FIVA (Fichero Informativo de Vehículos Asegurados) managed by the Consorcio de Compensación de Seguros.
driver_restrictions
Any driver aged 26 or over with at least 3 years of driving licence is covered under the policy without declaration. Drivers not meeting these conditions (under 26 years or less than 3 years of licence) must be declared as Authorised Drivers in the policy's particular conditions. At-fault claims made by any user of the vehicle are recorded against the policyholder's claims history.
claim_notification_deadline
The policyholder must notify Allianz of any claim, its circumstances, and consequences as soon as possible and no later than 7 days after the incident occurs. Failure to meet this deadline may affect the validity of the claim. Immediate notification is strongly recommended. Claims may be filed online via the insurer's digital platform.
bonus_malus_rules
Allianz calculates the premium based on the policyholder's claims history as a good driver ('buen conductor'). Discounts are granted for claims-free years and prior no-claims bonus, up to a maximum reduction of 60% depending on the sinistrality history. At-fault claims recorded on the policy can increase the premium at renewal. Claims history is shared via the UNESPA Historical Motor Insurance File.
Where to buy
Policy specifics
Glass Breakage Coverage
Optional coverage for windscreen and other glass breakage (windscreen, tinted windows, panoramic sunroof, rear window, side windows)
Theft and Fire Coverage
Protection against vehicle theft, fire, and natural phenomena damage
Mandatory Civil Liability
Mandatory coverage protecting third parties against bodily injury and property damage caused by the insured vehicle, with legal limits up to €70 million (bodily injury) and €15 million (property damage)
Personal Accident Coverage - Driver
Coverage for bodily injury or death of the driver resulting from a traffic accident, including medical expenses and permanent disability
Repair Network / Preferred Workshop
Vehicle repairs must be conducted at Allianz preferred workshop network unless optional free choice of workshop coverage is contracted
Deductible / Franquicia
Policyholder bears financial responsibility for specified deductible amounts per claim in comprehensive policies; options include no deductible, deductible 1, or deductible 2
Policy Renewal and Non-Renewal Notice
Policy automatically renews annually unless policyholder provides written notice of non-renewal at least 1 month before policy anniversary; insurer must provide notice 2 months in advance if declining renewal
Vehicle Maintenance and ITV Requirement
Policyholders must maintain vehicles in roadworthy condition with valid technical inspection (ITV) current; failure may void coverage for related claims