Direct Motor third-party liability (Terceros Basico)

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.

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.

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.

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.

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").

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).