Allianz Motor third-party liability (Automoviles Plus Terceros)
Underwritten by Allianz, Compañía de Seguros y Reaseguros, S.A. · Spain
motor third-party liability insurance from Allianz for the Spain market, with online purchase and 24/7 assistance.
Last verified May 14, 2026Sources
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.
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)
€70M
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)
€15M
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
€100K
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.
Section: FAQs sobre Seguro de Coche Allianz > Preguntas Frecuentes sobre el Seguro de Coche Allianz
Sí, Allianz Auto Plus cubre accidentes corporales del conductor con una indemnización de hasta 100.000€ en caso de fallecimiento y hasta 1.000€ por cada punto perdido en caso de invalidez física permanente, con un máximo de 100.000€ . También incluye asistencia sanitaria y adaptaciones del vehículo y la vivienda, dependiendo de la modalidad contratada.
Passenger Personal Accident Cover
Covered
Occupant personal accident cover (death or permanent disability, and medical expenses) is included in all Allianz Auto Plus tiers, including the base Terceros tier, per the insurer's coverage comparison table.
Section: Coberturas y Tipos de Opciones – Allianz
Ocupantes – Fallecimiento o invalidez ✅ ✅ ✅ ✅ / Ocupantes – Gastos médicos ✅ ✅ ✅ ✅
Key conditions
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.
Territorial scope
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
Documents
Allianz Auto – Condiciones Generales Estándar (opens in a new tab)
Terms & conditions · PDF
IPID – Automóviles PLUS Todo Riesgo con Franquicia 1 (opens in a new tab)
Product information sheet · PDF
IPID – Automóviles PLUS Robo Incendio (opens in a new tab)
Product information sheet · PDF
Documentos Legales y Notas Informativas – Allianz Seguros (opens in a new tab)
Other document · PDF
Policy specifics
Glass Breakage Coverage
Optional coverage for windscreen and other glass breakage (windscreen, tinted windows, panoramic sunroof, rear window, side windows)
SourceMandatory 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)
SourcePersonal Accident Coverage - Driver
Coverage for bodily injury or death of the driver resulting from a traffic accident, including medical expenses and permanent disability
SourceDeductible / Franquicia
Policyholder bears financial responsibility for specified deductible amounts per claim in comprehensive policies; options include no deductible, deductible 1, or deductible 2
SourcePolicy 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
SourceVehicle Maintenance and ITV Requirement
Policyholders must maintain vehicles in roadworthy condition with valid technical inspection (ITV) current; failure may void coverage for related claims
SourceSources
- c1brokers.eshttps://c1brokers.es/seguro-coche-allianz/(opens in a new tab)
- seguros.roams.eshttps://seguros.roams.es/aseguradoras/allianz/seguro-coche/terceros/(opens in a new tab)
- allianz.eshttps://www.allianz.es/descubre-allianz/mediadores/diccionario-de-seguros/s/que-es-un-seguro-a-terceros.html(opens in a new tab)
- allianz.eshttps://www.allianz.es/seguro-de-coche.html(opens in a new tab)
Allianz Motor third-party liability