AXA Seguros Generales, S.A. de Seguros y Reaseguros
Direct
Direct is a motor third-party liability insurance for the Spain market with online purchase and 24/7 assistance.
Direct payment
The insurer pays compensation directly to injured third parties. In cases of compulsory civil liability, the insurer pays the injured party directly and may subsequently seek recourse against the policyholder or driver if exclusion grounds apply (e.g. drunk driving, intentional damage). For voluntary civil liability, payment is made to injured third parties within the agreed limits in the Condiciones Particulares.
Geographic scope
ES
Responsabilidad Civil Obligatoria y Voluntaria, daños, incendio, robo y lunas: España y todos los países del Espacio Económico Europeo y estados adheridos al Convenio Multilateral de Garantía (incluidos Andorra, Suiza/Liechtenstein, Islandia, Noruega, Croacia, Serbia); extensión a países del Convenio Inter-Bureaux con Carta Verde previa. Seguro de Defensa Legal y Reclamación de Daños: España únicamente.
Unique selling points
- 24/7 roadside assistance from km 0 throughout Spain with a 60-minute tow truck guarantee — if it arrives late, AXA compensates the customer €60.
- Driver accident cover included in the base third-party product, with medical expenses up to €3,000,000 in AXA-concerted health centres and death/invalidity capital up to €50,000.
- Fully online purchase and claims management, with digital claims notification and self-service policy area available 24/7 via web and mobile app.
- AXA Calidad repair network offering a 3-year repair guarantee and free vehicle pickup and delivery to the customer's address at no extra charge.
- Extensive optional add-on ecosystem — including EV charging cable protection, wildlife collision cover, pet veterinary cover, and free choice of workshop — allowing customers to build a truly personalised policy.
Coverage limits
Bodily injury liability (compulsory + voluntary)
€70,000,000
Only in Art. 23 (Responsabilidad Civil de Suscripción Obligatoria), Art. 25 (Responsabilidad Civil de Suscripción Voluntaria)
Mandatory coverage (Art. 23) covers bodily injury liability up to the legally regulated quantitative limits in force at the time of the accident (€70,000,000 per accident since 1 January 2008, updated annually by European CPI). Voluntary liability (Art. 25) extends coverage above the mandatory limit up to the amount agreed in the Condiciones Particulares. In bodily injury cases, the insurer is exempt if damage was solely due to the victim's own fault or unforeseeable force majeure unrelated to vehicle operation; vehicle defects and mechanical failures are not considered force majeure.
Property damage liability (compulsory + voluntary)
€15,000,000
Only in Art. 23 (Responsabilidad Civil de Suscripción Obligatoria), Art. 25 (Responsabilidad Civil de Suscripción Voluntaria)
Mandatory coverage (Art. 23) covers property damage liability up to the legally regulated quantitative limits (€15,000,000 per accident, updated annually by European CPI). Voluntary liability (Art. 25) extends above the mandatory limit up to the amount in the Condiciones Particulares. Coverage applies when the driver is found civilly liable under Arts. 1,902 et seq. of the Civil Code and applicable motor traffic legislation. Excludes damage to the insured vehicle itself, objects transported in it, and property belonging to the policyholder, insured, owner, driver or their family members up to the third degree of consanguinity.
Legal defence and damage claim
€1,200
Only in Art. 47 (Defensa Penal), Art. 48 (Reclamación de Daños), Art. 49 (Exclusiones), Art. 50 (Procedimiento en Caso de Siniestro)
Modalidad Sexta (Arts. 47–50) covers: criminal defence of the policyholder/owner/driver including attorney and court costs at insurer's expense; posting of bail bonds; claim for material and personal damages against responsible third parties including attorney fees; advance of accepted compensation up to €6,000 per claim. If the insured opts for free choice of attorney, reimbursement is capped at €1,200 per claim for defence/damage-claim fees and €300 for expert fees. Coverage is limited to Spain only.
International Insurance Certificate (Green Card)
Covered
Only in Definiciones – Carta Verde, Ámbito Territorial
The Green Card (Certificado Internacional de Seguro) is the document certifying that compulsory civil liability cover has been contracted. It is required to circulate in countries not party to the Multilateral Guarantee Convention (Inter-Bureaux countries). Coverage under the mandatory RC automatically extends through the Multilateral Guarantee Convention to all EEA states plus Andorra, Switzerland/Liechtenstein, Iceland, Norway, Croatia and Serbia. For Inter-Bureaux countries, the Green Card must be requested in advance.
Roadside assistance (Asistencia en carretera)
Covered
Only in Teléfonos de Interés – Servicio de Asistencia en Carretera
24-hour roadside assistance service available from km 0 anywhere in Spain. From abroad, assistance is available by calling +34 934 888 093 (24 hours). Coverage extends to Spain and Andorra at a minimum; European coverage is standard for the AXA Motor Elige product. If the tow truck takes more than 60 minutes, the insurer compensates the policyholder with €60 ("Compromiso Grúa").
Driver accident insurance (Seguro del Conductor)
€50,000
Only in Art. 44 (Seguro del Conductor – Qué cubre), Art. 45 (Exclusiones), Art. 46 (Pago de indemnizaciones)
Modalidad Quinta (Art. 44) covers the driver of the insured vehicle in the event of a traffic accident: (1) Death benefit – insurer pays the insured capital to beneficiaries (with a €5,000 advance for funeral expenses) if death occurs within one year of the accident; (2) Permanent invalidity – compensation based on capital × percentage per invalidity table (e.g. 100% for total paralysis, complete blindness, or permanent total incapacity; 60% right arm, etc.); invalidity cover does not apply to victims aged over 70; (3) Medical/pharmaceutical expenses up to €6,000 in freely chosen centres or up to €3,000,000 in concerted health centres, during the year following the accident. The insured capital (up to €50,000 for death/invalidity) is set in the Condiciones Particulares; the default entry level per the IPID is €15,000 (extendable to €30,000 or €50,000).
Passenger accident insurance
Excluded
The policy does not include a dedicated passenger accident coverage. Under the compulsory RC (Art. 23), passengers who are third parties (i.e. not the driver, policyholder, or close family members of these) are covered as injured third parties under the bodily injury liability coverage. However, there is no specific per-passenger accident capital or personal accident benefit for occupants beyond the mandatory RC indemnity. The driver accident insurance (Modalidad Quinta) covers only the driver. Family members of the policyholder/insured/driver are explicitly excluded as third parties under the voluntary RC.
Key conditions
Territorial scope
All coverages except Legal Defence: Spain, all EEA member states, and states party to the Multilateral Guarantee Convention (EU, Switzerland/Liechtenstein, Iceland, Norway, Andorra, Croatia, Serbia). Extension to Inter-Bureaux countries (outside Multilateral Guarantee Convention) requires the Green Card (International Insurance Certificate) to be carried. Legal Defence and Damage Claim coverage is limited to Spain only. Policyholder must have habitual residence in Spain; foreign trips may not exceed 60 days per trip.
Green card rules
The Green Card (Certificado Internacional de Seguro) certifies that compulsory civil liability cover has been contracted. It must be carried when driving in countries that have not adhered to the Multilateral Guarantee Convention (Inter-Bureaux countries). For all other countries covered by the Multilateral Guarantee Convention and the EEA, the standard policy certificate is sufficient. The Green Card must be requested from the insurer prior to travel.
Driver restrictions
Drivers under 26 years of age are excluded from voluntary civil liability coverage and own-damage coverage unless expressly designated in the Condiciones Particulares. If an unlisted driver under 26 is involved in a claim, the insurer may reduce its payment proportionally (Art. 9). Coverage is also excluded if the driver lacks a valid driving licence or has had their licence annulled or revoked (except for theft coverage). Driving under the influence of alcohol or drugs exceeding legal limits is an absolute exclusion for voluntary modalities; the insurer retains recourse rights against the driver. For compulsory RC, the insurer must still pay the victim but may seek recourse against the at-fault driver.
Claim notification deadline
The policyholder, insured or beneficiary must notify the insurer of any claim within a maximum of 7 days of becoming aware of it, providing all available information about the claim and its consequences (Art. 13). Failure to notify within this period may entitle the insurer to claim damages from the insured for the failure to declare; however, this sanction does not apply if it is proven the insurer had already become aware of the claim by other means. Sinister notification under Legal Defence must be made within 7 days of designation of any freely-chosen professional, always before the claim is resolved.
Bonus-malus rules
The policy applies a bonus-malus system based on the insured's claims history recorded in the SINCO file (national shared claims database). Premiums are adjusted at renewal according to the insurer's own bonus-malus table, which is communicated to the policyholder but is not published in the general conditions. Driving a vehicle by a person other than the declared main driver who, due to age or licence seniority, would have attracted a higher premium is treated as risk aggravation (Art. 9) and may result in proportional reduction of the insurer's payment. Bonifications may reach up to 60% for long no-claim histories; penalties apply following at-fault claims.
Where to buy
Policy specifics
Electric vehicle charging cable protection
Optional coverage for electric or plug-in hybrid vehicles protecting against theft of charging cable and damage to charging station
SourcePet injury veterinary coverage
Coverage for veterinary expenses if pet is injured in accident, up to 5,000 EUR
SourceGlass replacement service
Optional coverage for window/glass breakage with dedicated repair service completed in 30 minutes
SourceWildlife collision protection
Protection against damage from collisions with game animals in mountain, rural or hunting area roads
SourceAXA Quality repair network requirement
Repairs must be conducted through AXA Calidad network (insurer-designated and contracted repair shops) or coverage may not apply
SourceGeographic coverage restrictions by modality
Basic coverages apply in EEA countries and countries adhering to Multilateral Guarantee Convention; optional guarantees limited to Spain; some modalities extend to Andorra and abroad with Green Card
SourceRacing and competition vehicle exclusion
Coverage does not apply if vehicle participates in races, contests, or preparatory tests for such events
SourcePolicyholder domicile requirement
Insured must have principal residence in Spain and reside habitually there; foreign trips cannot exceed 60 days
Source