Caser Seguros Motor third-party liability (Caser Auto)

Mandatory RC coverage up to 70,000,000 EUR for bodily injury and 15,000,000 EUR for property damage per claim, plus a voluntary extension of an additional 50,000,000 EUR included in every modality above statutory minimums.

Caser Autohelp: automatic accident detection via app that instantly alerts the 112 emergency service with your GPS location without any action required from the driver — included in all policy tiers.

Optional Highly Protected Driver cover (Modalidad Séptima) with a maximum benefit of 1,500,000 EUR for death or permanent injuries when the insured driver is at fault, calculated per the official traffic accident compensation tables.

Roadside assistance available 24 hours a day, 365 days a year from kilometre 0, with medical assistance included for the driver and passengers in case of accident.

Driver restrictions

The vehicle is considered to be driven solely by the person or persons named in the Particular Conditions, whose declared characteristics form the basis for premium calculation. Coverage requires the driver to hold a valid driving licence. Driving under the influence of alcohol (exceeding legal limits), drugs or psychotropic substances constitutes a general exclusion and gives rise to the insurer's right of recourse. Driving without a valid licence also constitutes a general exclusion (except for theft cover). The insurer may exercise the right of recourse against the driver if the cause of the accident involves alcohol, drugs, intentional conduct, or other causes provided by law.

Claim notification deadline

The policyholder, insured, or beneficiary must notify the insurer of the occurrence of a claim within a maximum of 7 days of becoming aware of it, unless the policy stipulates a longer period. For liability (RC) claims, any judicial, extrajudicial or administrative notification must be communicated to the insurer within 24 hours. The insurer must be notified of theft immediately after filing a police report. Non-compliance may result in liability for damages caused by the failure to notify, unless the insurer becomes aware of the claim by other means.

Bonus-malus rules

Successive premiums are calculated based on the insured's personal claims history. For the first policy year, the observation period for calculating the new premium covers the first 10 months of policy validity. For the second and subsequent years, the observation period is 12 months, calculated from the end of the previous year's observation period. The claims history may result in premium increases or decreases at each renewal.

Territorial scope

Mandatory RC (Primera A): European Economic Area and countries party to the Inter-Bureaux Convention (Green Card). Voluntary coverages (Primera B, Segunda, Tercera, Cuarta, Quinta, Séptima, Novena): Spain, EU member states, Inter-Bureaux signatory countries, Andorra, Gibraltar, Liechtenstein, Monaco, San Marino, Vatican City.