Balumba
Balumba is a motor third-party liability insurance for the ES market with online purchase and 24/7 assistance.
Direct payment
Balumba pays indemnifications directly to injured third parties in accordance with Spanish mandatory civil liability law. For own repairs, the insured may choose any workshop (free workshop selection) and costs are settled with the insurer. Roadside assistance services are provided directly by Europ Assistance.
Geographic scope
Spain (nationwide)
Coverage valid in Spain and EU/EEA countries; Green Card required for non-EU Mediterranean rim countries. Roadside assistance valid in Europe and Mediterranean rim countries.
Starting from
€145
Unique selling points
- Voluntary civil liability extends indemnification by up to 50 million EUR above the statutory minimum, included as standard in all policies.
- Free workshop selection is a standard feature in all Balumba policies, not an optional add-on, giving policyholders full flexibility to choose their preferred repair workshop.
- Guaranteed 45-minute roadside assistance response on national roads, backed by a 50 EUR compensation commitment if the deadline is not met.
- Legal defence included in all policy tiers from the most basic level, covering attorney fees, court costs, and criminal defence for traffic incidents.
- 100% online purchase and policy management available 24/7 via the customer portal, with instant documentation delivery and online accident reporting.
Coverage limits
Bodily Injury Liability (Mandatory Civil Liability)
Covered
Mandatory civil liability covering bodily injury to third parties caused by the insured vehicle, up to 70 million EUR per claim. Also covers trailers that do not require their own insurance.
Property Damage Liability (Mandatory Civil Liability)
Covered
Mandatory civil liability covering property damage to third parties caused by the insured vehicle, up to 15 million EUR per claim. Balumba additionally offers Voluntary Civil Liability extending coverage by a further 50 million EUR excess above mandatory limits.
Legal Defence and Claims
Covered
Included in all Balumba motor policies. Covers court fees, attorney fees, notary fees, expert fees, bail bonds in criminal proceedings, criminal defence for traffic accidents, and 24-hour phone assistance if detained. Free choice of attorney up to 600 EUR. Also covers claims for bodily injury suffered as a pedestrian, vehicle passenger, or non-motorised vehicle rider.
Green Card (International Motor Insurance Certificate)
Covered
The Green Card is provided and can be downloaded from the customer portal. It is not required within the EU, EEA (Iceland, Norway, Liechtenstein), Switzerland, Andorra, or Croatia. It is required when travelling to non-EU Mediterranean rim countries covered by the Green Card system.
Travel Assistance (Roadside Assistance)
Optional
Provided by Europ Assistance. Included by default in the policy but can be opted out. Covers 24/7 roadside assistance with a 45-minute response commitment, on-site repair, free workshop selection, towing, assistance for persons and pets, and coverage abroad in Europe and Mediterranean rim countries. The 'Esencial' product variant has a 50 km franchise for breakdowns (from km 0 for accidents); the 'General' and 'Integral' variants cover vehicles from km 0 (home). Unlimited towing available as paid add-on.
Driver Accident Insurance
Covered
Included in all Balumba car policies. At contracting, the policyholder selects one of three capital tiers: (1) 5,000 EUR: death up to 5,000 EUR, partial disability up to 2,500 EUR, total disability up to 5,000 EUR; (2) 15,000 EUR: death up to 15,000 EUR, partial disability up to 7,500 EUR, total disability up to 15,000 EUR, plus 5,000 EUR advance on death and double indemnity (30,000 EUR) if both spouses die in same accident with minor children; (3) 30,000 EUR: death up to 30,000 EUR, partial disability up to 30,000 EUR, total disability up to 50,000 EUR, with 5,000 EUR advance and double indemnity. All tiers include medical expenses up to 3,000 EUR outside the insurer's network of 2,000+ medical centres. Drivers under 25 or with less than 2 years of licence must be declared in the policy to be covered. Enhanced options (VIP) offer up to 50,000 EUR for death and 100,000 EUR for total permanent disability.
Passenger Accident Insurance
Not offered
Separate passenger accident insurance is not explicitly offered as a standalone coverage in Balumba MTPL policies. Third-party passengers injured in an accident caused by the insured are covered under mandatory civil liability. Personal injuries to the insured driver are covered under the driver accident insurance.
Key conditions
territorial_scope
The policy covers civil liability within Spain and, by virtue of the Green Card system, in other EU/EEA member states (no Green Card needed) and countries party to the multilateral guarantee agreement (Green Card required). Roadside assistance covers Europe and Mediterranean rim countries. Travel abroad is covered by the standard policy.
green_card_rules
Within the EU, EEA (Iceland, Norway, Liechtenstein), Switzerland, Andorra, and Croatia, the Green Card is not required. For other countries participating in the Green Card system (e.g. Turkey, Morocco), the Green Card must be carried and presented to authorities and third parties in case of accident. The Green Card can be downloaded from the Balumba customer portal.
driver_restrictions
The policy is issued on the basis that the insured vehicle will not be driven by: (1) any person under 25 years of age or with less than 2 years of driving licence validity who is not expressly named in the policy; (2) any person not legally entitled to drive or not complying with the conditions of their licence; (3) any person whose licence has been withdrawn by authorities; or (4) any person under the influence of alcohol above legal limits, or drugs, narcotics, or psychotropic substances. Failure to declare such drivers may result in denial of coverage or rescission of contract.
claim_notification_deadline
Accidents must be notified to Balumba as soon as possible. Claims and accident reports can be submitted 24 hours a day via the customer portal (online). During business hours (Mon–Fri 9:00–18:00), claims can be reported by phone. For legal disputes, the insurer's customer service resolves within a maximum of two months; if unresolved after one month, the policyholder may escalate to the DGSFP Complaints Service.
bonus_malus_rules
Balumba applies risk-based pricing that considers the driver's claims history over the previous five years (siniestralidad). A clean claims history can result in premium discounts of up to 40%. An at-fault accident will typically increase the renewal premium. A certificate of claims history (certificado de siniestralidad) is available from the insurer on request.
Where to buy
Policy specifics
Mandatory Civil Liability
Mandatory coverage required by Spanish law for vehicle circulation, covering damages to third parties caused by the insured vehicle
Voluntary Civil Liability
Optional coverage that supplements mandatory civil liability by increasing indemnification limits beyond legal minimums
Driver Accident Insurance
Coverage providing compensation in case of death, permanent disability or hospitalization of the insured driver
Legal Defense
Coverage for legal defense costs, court fees, attorney fees, and claim management arising from traffic accidents
Travel Assistance
Optional coverage providing 24/7 roadside assistance including towing, mechanical repair, accommodation and other emergency services
Driver Age Restriction
Drivers under 25 years old or those with less than 2 years of driving license validity must be explicitly declared in the policy to be covered by mandatory civil liability insurance
Vehicle Use Restrictions
Insurance does not cover vehicles used for commercial transport, rental services, taxi services, driving schools, hazardous goods transport, or fleet operations
Intoxication Exclusion
Coverage is excluded if the driver is under the influence of alcohol, drugs, or controlled substances exceeding legal limits at time of accident
Pre-existing Damage Exclusion
All damages and claims arising before the policy effective date are excluded from coverage
Free Workshop Selection
Policyholders can choose any repair workshop of their choice rather than being restricted to an insurer network
14-Day Cancellation Right
Consumers have the right to cancel the insurance contract within 14 calendar days from policy inception without cost or justification, provided no claim has occurred