Motor third-party liability
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| Feature / category | Agrupació Jul 17, 2025 Open details | Allianz May 14, 2026 Open details | Direct Jul 17, 2026 Open details | Balumba Jul 17, 2026 Open details |
|---|---|---|---|---|
| Overview | ||||
Insurer | AMGEN Seguros Generales, Compañía de Seguros y Reaseguros, S.A.U. | Allianz, Compañía de Seguros y Reaseguros, S.A. | AXA Seguros Generales, S.A. de Seguros y Reaseguros | Admiral Europe Compañía de Seguros S.A.U. |
Online purchase | Yes | Yes | Yes | Yes |
24/7 helpline | Yes | Yes | Yes | Yes |
Starting price | — | — | — | €145 |
Billing basis | annual | annual | annual | annual |
IPID | Not available | IPID | IPID | Not available |
Terms & conditions | Not available | |||
| Coverage | ||||
Bodily injury liability | €70,000,000 | €70,000,000 | €70,000,000 | €70,000,000 |
Property damage liability | €15,000,000 | €15,000,000 | €15,000,000 | €15,000,000 |
Legal defence | Covered | Covered | Covered | €600 |
Green card | Covered | Covered | The Green Card (Carta Verde) is the international insurance certificate evidencing mandatory civil liability cover. It must be requested prior to travel and is required for circulation in countries adhering to the Inter-Bureaux Convention that are not part of the Multilateral Guarantee Convention. Within EEA and Multilateral Guarantee Convention countries, coverage is automatic without the Green Card. No monetary value is associated with this document itself. | Covered |
Passenger accident | Covered | Excluded | Excluded | Not offered |
| Key conditions | ||||
Territorial scope | Spain for compulsory MTPL. Green Card countries for civil liability extension. Roadside assistance available even when the policyholder travels without the vehicle. | Coverage applies automatically and without additional premium throughout Spain (including Canary Islands, Ceuta, and Melilla), all EEA member states, Vatican City, Monaco, San Marino, Gibraltar, and all countries signatory to the Green Card Convention (Complementary Convention of 12/12/1973), except Russia and Belarus. | Mandatory civil liability and voluntary civil liability, own damage, fire, theft, glass and legal protection coverages apply across: all EEA member states; all states party to the Multilateral Guarantee Convention (including Germany, Andorra, Austria, Belgium, Bulgaria, Czech Republic, Cyprus, Croatia, Denmark, Slovakia, Slovenia, Spain, Estonia, France, Finland, Great Britain, Ireland, Greece, Netherlands, Hungary, Iceland, Italy, Latvia, Lithuania, Luxembourg, Malta, Norway, Poland, Portugal, Romania, Serbia, Sweden and Switzerland-Liechtenstein). Coverage extends to Inter-Bureaux Convention countries upon prior request of the Green Card. Optional coverages (vehicle substitution, free-choice-of-workshop, cyclist protection, etc.) are restricted to Spain only. Roadside assistance Standard and Complete modalities cover Spain and Andorra; the Foreign modality covers Morocco, EEA and Inter-Bureaux countries. | 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 | The policy covers civil liability in all countries adhering to the Green Card (Inter-Bureaux Convention). Specific issuance procedure not detailed on the official product page; policyholders should contact Agrupació before travelling internationally. | The Green Card (International Motor Insurance Certificate – CIS) is issued by Allianz via the OFESAUTO/ReCIS centralised system. It is required when travelling to countries outside the EEA that demand proof of insurance. Coverage in Green Card countries is provided at the legally required minimum of the country visited. Allianz registers the vehicle in the FIVA (Fichero Informativo de Vehículos Asegurados) managed by the Consorcio de Compensación de Seguros. | The Green Card (Carta Verde / Certificado Internacional de Seguro) must be requested from the insurer before travelling to countries that are party to the Inter-Bureaux Convention but not to the Multilateral Guarantee Convention. Within EEA and Multilateral Guarantee Convention countries, compulsory civil liability coverage is automatic. In Inter-Bureaux countries with the Green Card, the coverage limits are those established by the local compulsory motor insurance legislation of the country where the accident occurs. In other foreign countries, civil liability coverage is limited to local statutory minimums. | 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 | No specific driver restrictions (e.g. minimum age, driving licence seniority) disclosed on the official product page. Standard Spanish insurance law principles apply regarding declared drivers. | Any driver aged 26 or over with at least 3 years of driving licence is covered under the policy without declaration. Drivers not meeting these conditions (under 26 years or less than 3 years of licence) must be declared as Authorised Drivers in the policy's particular conditions. At-fault claims made by any user of the vehicle are recorded against the policyholder's claims history. | Drivers under 26 years of age who will drive the insured vehicle, even occasionally, must be expressly declared and identified in the policy. If a driver under 26 years operates the vehicle without being declared, damages caused by or to the vehicle are excluded from all voluntary coverages. Drivers without a valid driving licence or who have had their licence revoked are excluded from voluntary coverages (theft cover excepted). An additional premium may apply for young or inexperienced drivers. Conducting the vehicle under the influence of alcohol or drugs (blood-alcohol level exceeding the legal limit, or conviction for drink-driving) constitutes a general exclusion from all voluntary coverages, with the insurer retaining a right of recourse against the driver. | 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 | No specific claim notification deadline stated on the official Agrupació product page. Spanish insurance law (Ley 50/1980) sets a general obligation to report claims as soon as possible. | The policyholder must notify Allianz of any claim, its circumstances, and consequences as soon as possible and no later than 7 days after the incident occurs. Failure to meet this deadline may affect the validity of the claim. Immediate notification is strongly recommended. Claims may be filed online via the insurer's digital platform. | The policyholder, insured or beneficiary must notify the insurer of the occurrence of a claim within a maximum period of seven (7) days of becoming aware of it, providing all information about the circumstances and consequences of the accident. Failure to comply may entitle the insurer to claim damages caused by the failure to notify, unless the insurer became aware of the claim through other means. The insured must not negotiate, admit or reject any third-party claim without the insurer's prior authorisation. | 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 | Agrupació applies a no-claims bonus system: policyholders can achieve over 50% discount for claims-free years. The specific scale and malus penalties are set by Agrupació per its internal pricing policy. Claims history is shared via the SINCO inter-insurer database. | Allianz calculates the premium based on the policyholder's claims history as a good driver ('buen conductor'). Discounts are granted for claims-free years and prior no-claims bonus, up to a maximum reduction of 60% depending on the sinistrality history. At-fault claims recorded on the policy can increase the premium at renewal. Claims history is shared via the UNESPA Historical Motor Insurance File. | The policy documents and IPID provided do not include specific bonus-malus or no-claims discount scale details. A discount of up to 60% on the car insurance premium for low claims history is referenced in market sources, but no formal bonus-malus table is set out in the General Conditions or IPID of this product. | 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. |
| Proof and next steps | ||||
Direct payment policy | No information found in the verified sources about a direct payment policy to repairers specific to this product. | Allianz pays third-party claimants directly up to mandatory RC limits (€70M bodily injury / €15M property damage per claim); repairs must be carried out at Allianz network workshops unless optional free-choice-of-workshop cover is contracted. | In case of accident, the insurer assumes direct legal management against third-party claimants and pays indemnities directly to injured parties or their heirs. Repairs must be carried out at insurer-designated workshops unless the optional free-choice-of-workshop cover has been contracted; use of non-designated workshops incurs a 20% penalty up to €300 per claim. | 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. |
Last verified | Jul 17, 2025 | May 14, 2026 | Jul 17, 2026 | Jul 17, 2026 |