Extracted from source documents

Balumba Motor third-party liability (Terceros Basico)

Underwritten by Admiral Europe Compañía de Seguros S.A.U. · Spain

motor third-party liability insurance from Balumba for the Spain market, with online purchase and 24/7 assistance.

Last verified Jul 17, 2026Sources

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Key facts

Balumba
Starting price: €145per yearAs published by the insurer — it does not say who the price is for

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

Liability limit (covers injury + property damage)

One combined sum for both bodily injury and property damage, not two separate limits.

Terceros BásicoTerceros AmpliadoTodo RiesgoTodo Riesgo con FranquiciaTodo Riesgo Colisión

Covered

Legal Defence and Claims

€600

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.

Section: Terceros Básico > ¿Qué incluye un Terceros Básico? > Defensa Jurídica y Reclamación de Daños

¿Quieres contar con tu propio abogado? Tenemos la libre elección de abogado con un límite de 600€. En caso de detención por alguna causa que cubramos tendrás asistencia telefónica 24 horas.

Covered

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.

Section: Dudas frecuentes de nuestros clientes > ¿En qué países no es necesaria la Carta Verde?

Dentro de la Unión Europea no es necesario llevarla, al igual que en Croacia, Islandia, Noruega, Suiza, Liechtenstein o Andorra por tener un convenio con España.

Optional

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.

Section: Terceros Básico > ¿Qué incluye un Terceros Básico? > Asistencia en Viaje (opcional)

Nuestra asistencia en viaje no sólo te ofrece el servicio de grúa en menos de 45 minutos. Incorporamos también algunos servicios para que, si sufres algún imprevisto, este se solucione de la forma más rápida y cómoda posible.

Covered

Driver Accident Insurance

€5K – €30K

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.

Section: Seguro de moto a Terceros > ¿Qué incluye un Seguro de moto a Terceros? > Seguro del Conductor

Seguro del Conductor (5.000€): Se indemniza con hasta 5.000€ por muerte, con hasta 2.500€ por discapacidad parcial y con hasta 5.000€ por discapacidad total.

Passenger Accident Insurance

No limit stated

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.

Section: Terceros Básico > ¿Qué incluye un Terceros Básico? > Seguro de Accidentes del Conductor

esto en nuestros seguros a terceros también incluimos un seguro de accidentes del conductor, que cubre los daños personales que puedas sufrir mientras conduces, como consecuencia de un accidente del que seas responsable.

Key conditions

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.

Territorial scope

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.

Documents

Balumba Documentation Page (links to all Condiciones Generales PDFs, incl. ADM-2310 most recent) (opens in a new tab)

Policy specifics

Mandatory Civil Liability

Mandatory coverage required by Spanish law for vehicle circulation, covering damages to third parties caused by the insured vehicle

Source

Voluntary Civil Liability

Optional coverage that supplements mandatory civil liability by increasing indemnification limits beyond legal minimums

Source

Driver Accident Insurance

Coverage providing compensation in case of death, permanent disability or hospitalization of the insured driver

Source

Legal Defense

Coverage for legal defense costs, court fees, attorney fees, and claim management arising from traffic accidents

Source

Travel Assistance

Optional coverage providing 24/7 roadside assistance including towing, mechanical repair, accommodation and other emergency services

SourcePage 5

Section: 4. Riesgos cubiertos

1. Reparación “in situ”. 2. Remolque. 3. Rescate.

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

Source

Section: Motivo de rescisión del contrato y principales exclusiones

una persona menor de 25 años de edad o con menos de dos años de antigüedad del permiso de conducir, que no esté expresamente designada en las condiciones particulares;

Vehicle Use Restrictions

Insurance does not cover vehicles used for commercial transport, rental services, taxi services, driving schools, hazardous goods transport, or fleet operations

Source

Section: Motivo de rescisión del contrato y principales exclusiones

El seguro se ha establecido sobre la base de que el vehículo asegurado no será utilizado para las siguientes actividades: transporte de mercancías peligrosas... transporte remunerado de personas, alquiler con o sin conductor, servicio público o autoescuela, flota de vehículos, o cualquier otra recogida en condiciones particulares o generales del seguro.

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

Source

Section: Motivo de rescisión del contrato y principales exclusiones

Igualmente el vehículo asegurado no será conducido en ningún momento en estado de embriaguez (cuando supere los límites legales vigentes de alcoholemia) o bajo los efectos de drogas, tóxicos, estupefacientes o sustancias psicotrópicas.

Pre-existing Damage Exclusion

All damages and claims arising before the policy effective date are excluded from coverage

Source

Section: Motivo de rescisión del contrato y principales exclusiones

Daños pre-existentes: Quedarán excluidos, en cualquier caso, todos los daños y siniestros anteriores a la fecha de efecto de la póliza.

Free Workshop Selection

Policyholders can choose any repair workshop of their choice rather than being restricted to an insurer network

Source

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

Source

Section: Duración del contrato y derecho de desistimiento

El tomador, si es una persona física que no utiliza el seguro para una actividad profesional, tiene un plazo de 14 días naturales para desistir del contrato sin coste ni necesidad de justificación, siempre que no haya ocurrido un siniestro (aplicable a los contratos de seguro de garantías voluntarias).

Sources

Balumba Motor third-party liability

Get a quote from Balumba Compare Motor third-party liability insurers in Spain

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