Direct Motor third-party liability (Mi Coche Direct)

Included in all modalities from Terceros Básico upwards. Covers criminal defence of the insured driver in traffic accident proceedings, constitution of bail bonds up to €3,000 per claim, and claims for damages against the responsible third party. Legal expenses for freely-chosen lawyers and solicitors are reimbursed up to €1,200 per claim; expert witness fees up to €300 per claim. Territorial scope for legal defence is Spain only.

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.

The Standard (Estándar) roadside assistance modality is included in all modalities from Terceros Básico upwards. It covers breakdown and accident assistance from kilometre 0 in Spain and Andorra, including on-site repair (labour cost covered, parts at insured's expense), towing to the nearest designated workshop within 5 business days (or to insured's chosen workshop within 100 km if free-choice-of-workshop contracted), passenger transfer up to €150 per claim, vehicle custody up to €125 per claim, and repatriation of injured persons or deceased. Excludes: flat tyres, fuel shortage, wrong fuel, loss of keys. Upgrade to Complete modality (Spain/Andorra, also covers flat tyres, fuel shortage, lost keys up to €100, hotel accommodation up to €300/3 nights) or Foreign modality (Morocco, EEA and Inter-Bureaux countries) available as paid optional additions.

Included in all modalities from Terceros Básico. Covers the insured driver (titular or authorised) for bodily injury sustained as a result of a road traffic accident with the insured vehicle. Benefits: death capital up to €50,000 (with an immediate advance of €6,000 to beneficiaries for funeral expenses); permanent invalidity capital up to €50,000 (applied pro-rata according to the invalidity table); medical and pharmaceutical expenses up to €6,000 at freely-chosen healthcare centres or up to €3,000,000 at concerted public health centres, for one year following the accident. A same accident cannot give rise simultaneously to both the death and permanent invalidity capital.