Caja de Seguros Reunidos, Compañía de Seguros y Reaseguros, S.A.
Caser Seguros
Caser Seguros is a motor third-party liability insurance for the Spain market with online purchase and 24/7 assistance.
Direct payment
The insurer pays indemnifications directly to injured third parties or their heirs within the coverage limits. In claims handled under direct indemnification agreements between insurers, the offer or motivated response is made on behalf of the counterpart insurer. Minimum payment within 40 days of claim declaration; full payment within 5 days of final expert assessment.
Geographic scope
Spain (nationwide)
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.
Unique selling points
- Mandatory RC coverage up to 70,000,000 EUR for bodily injury and 15,000,000 EUR for property damage per claim, with optional voluntary extension of an additional 50,000,000 EUR 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.
- Highly Protected Driver coverage (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.
- Bonus-malus system with personalised premium adjustments based on the insured's individual 10-12 month claims history, rewarding claim-free drivers with lower premiums at renewal.
Coverage limits
Mandatory Third-Party Bodily Injury Liability
€70,000,000
Only in Artículo 34 - Modalidad Primera A
Coverage for bodily injury and death caused to third parties as a result of traffic accidents involving the insured vehicle. Maximum indemnification of 70,000,000 EUR per claim, regardless of the number of victims, as established by Spanish regulation. The insurer is exempt if injuries resulted solely from the victim's fault or negligence or from force majeure unrelated to vehicle operation. Vehicle defects do not constitute force majeure.
Mandatory Third-Party Property Damage Liability
€15,000,000
Only in Artículo 34 - Modalidad Primera A
Coverage for property damage caused to third parties as a result of traffic accidents involving the insured vehicle. Maximum indemnification of 15,000,000 EUR per claim as established by Spanish regulation. The insurer covers the amount for which the driver is civilly liable under Articles 1902 et seq. of the Civil Code and Articles 109 et seq. of the Penal Code.
Legal Defence and Claims
Optional
Only in Condiciones Específicas del Seguro de Defensa Jurídica, Artículo 2.3 - Defensa del Asegurado
Optional legal defence insurance covering criminal defence of the driver and vehicle owner, claims for damages caused by third parties to the insured vehicle, occupants and their personal belongings, defence against administrative traffic sanctions, and telephone legal advisory service. Maximum guaranteed amount per claim as stated in the Particular Conditions. The insurer assumes legal direction for liability claims under the mandatory RC coverage (Primera A) at no extra cost.
Green Card / International Insurance Certificate
Covered
Only in Artículo Preliminar III - Ámbito Territorial, Artículo 34 - Modalidad Primera A
The mandatory RC coverage (Primera A) extends to the European Economic Area and all countries party to the Inter-Bureaux Convention (Green Card system), as required by Article 4 of Royal Legislative Decree 8/2004 and Article 6 of Royal Decree 1507/2008. Voluntary coverages also apply in these territories plus Andorra, Gibraltar, Liechtenstein, Monaco, San Marino, and Vatican City. No monetary value associated; coverage is coextensive with mandatory liability limits.
Roadside Assistance (Travel Assistance)
Optional
Only in Artículo 49 - Condiciones Específicas del Seguro de Asistencia en Viaje
Travel assistance service available 24 hours a day, 365 days a year. Includes roadside mechanical assistance, towing to nearest garage, vehicle rescue (up to 350 EUR), emergency medical repatriation, and occupant assistance in case of vehicle immobilisation. For Category 1 vehicles: applies in Spain, EU, Inter-Bureaux countries, and Mediterranean non-EU countries. A premium 'Asistencia Más' optional add-on is available providing a substitute vehicle and enhanced limits. Coverage is linked to the auto insurance contract duration.
Driver Accident Coverage (Highly Protected Driver)
€1,500,000
Only in Artículo 43 - Modalidad Séptima - Conductor Altamente Protegido Innominado
Optional coverage (Modalidad Séptima) providing indemnification for death or permanent injuries (sequelae) suffered by the insured driver who is at fault in the accident. Compensation calculated per the traffic accident compensation tables (Baremo, Tables I, II, III, IV and VI of Royal Legislative Decree 8/2004). Maximum benefit: 1,500,000 EUR for death or permanent injuries. Benefit is proportional to the driver's degree of fault as determined by firm court ruling or accident report. Excludes temporary disability, post-traumatic cervical syndrome, and pain syndromes without objectifiable physical deficit.
Passenger/Occupant Accident Coverage
Optional
Only in Artículo 41 - Modalidad Quinta - Accidentes Corporales, Artículo 42 - Modalidad Sexta - Seguro Obligatorio de Viajeros
Optional coverage (Modalidad Quinta) for personal injury caused to vehicle occupants (excluding the driver) by a violent, sudden, external and involuntary cause while travelling in, boarding or alighting from the insured vehicle, or while performing roadside repairs. Coverage includes death, permanent disability (with detailed baremo scale), and medical assistance up to 1 year. Capital amounts are specified in the Particular Conditions. For occupants under 14 years of age, death benefit is limited to funeral expenses up to 600 EUR. Mandatory Passenger Insurance (Modalidad Sexta) applies to public transport vehicles with 9+ seats.
Key conditions
Territorial scope
Mandatory RC (Primera A) is valid in the European Economic Area and in all countries party to the Inter-Bureaux Convention (Green Card Convention), per Article 4 of Royal Legislative Decree 8/2004 and Article 6 of Royal Decree 1507/2008. Voluntary coverages (Primera B, Segunda, Tercera, Cuarta, Quinta, Séptima, Novena) are valid in Spain, all EU member states, Inter-Bureaux signatory countries listed on the International Insurance Certificate, and Andorra, Gibraltar, Liechtenstein, Monaco, San Marino, and Vatican City. Agrarian RC (Primera C) and driving licence suspension subsidy (Octava) apply only in Spanish territory. Substitute vehicle (Décima) applies in Spain, Europe including Russia up to the Urals, and non-European Mediterranean countries.
Green card rules
The Green Card (International Insurance Certificate) is issued by Caser for travel in Inter-Bureaux Convention countries. Mandatory RC coverage automatically extends to EEA countries and all Green Card signatory countries. For voluntary coverages, the specific countries covered are listed on the International Insurance Certificate. The insured must contact the local Green Card bureau in the country of the accident for claims abroad.
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.
Where to buy
Documents
Caser Auto - General Conditions (Condiciones Generales)
Terms & conditions
Policy specifics
Mandatory Liability Limits
Maximum coverage amounts for mandatory third-party liability: 70 million euros for bodily injury and 15 million euros for property damage per claim
SourceVoluntary Liability Extension
Optional enhanced coverage that extends mandatory liability limits by 50 million euros for both bodily injury and property damage
SourceLuggage and Equipment Coverage
Coverage for luggage falling from the vehicle during transit, including items inside the vehicle, on roof racks, and in ski carriers
SourceTrailer and Caravan Coverage
Liability coverage extends to trailers and caravans up to 750 kg towed by the insured vehicle
SourceInsured Territory - Mandatory Coverage
Mandatory MTPL coverage is valid in the European Economic Area and countries that are parties to the Inter-Bureaux Convention (Green Card Convention)
SourceBodily Injury Exemption Condition
Insurer may be exempt from bodily injury liability if proven that injuries resulted solely from the injured party's fault or negligence, or from force majeure unrelated to vehicle operation
SourceCirculation Fact Definition
Liability coverage applies to circulation facts: risks created by vehicle operation including on public/private roads, parking areas, and other common-use terrain suitable for circulation
SourceTotal Vehicle Theft Waiting Period
Vehicle is considered totally stolen/lost if not recovered within 40 days from the date the theft is reported to authorities
Source