Divina Seguros
Divina Seguros is a motor third-party liability insurance for the ES market with online purchase and 24/7 assistance.
Direct payment
Divina Seguros settles third-party claims directly with the injured party. Policyholders report claims by phone (96 311 33 45, Mon–Fri 08:00–18:00) or by email (asegrup@divinaseguros.com). A damage assessment (peritaje) is carried out within 24 hours of claim notification.
Geographic scope
Spain (nationwide)
Spain and European countries under the Green Card / International Insurance Certificate; roadside assistance covers all of Europe and Mediterranean-rim countries
Unique selling points
- Roadside assistance is included in all policies from kilometre 0 with no minimum distance requirement, 24 hours a day, 365 days a year, covering all of Europe and Mediterranean-rim countries.
- In the event of a total loss within the first two years of the policy, Divina Seguros compensates the insured at the vehicle's replacement (new) value rather than its depreciated market value.
- A damage assessment (peritaje) is guaranteed within 24 hours of claim notification, accelerating the claims settlement process.
- Premiums can be paid annually, semi-annually or quarterly with no interest charges or surcharges on any instalment plan.
- Electric vehicle owners benefit from extended theft coverage including the EV charging cable and home charging station damage caused by theft.
Coverage limits
Bodily Injury Liability (Mandatory + Voluntary Civil Liability)
Covered
Covers third-party bodily injury claims up to €70 million per claim, combining mandatory and voluntary civil liability as included in all Divina Seguros motor policies.
Property Damage Liability (Mandatory + Voluntary Civil Liability)
Covered
Covers third-party property damage claims up to €15 million per claim, combining mandatory and voluntary civil liability as included in all Divina Seguros motor policies.
Legal Protection and Defence
Covered
Included in the base Terceros policy. Covers legal defence in traffic disputes, fine appeals, assistance with driving licence points recovery and licence withdrawal protection. Specific monetary limit not published on official product pages.
Green Card (International Insurance Certificate)
Covered
Divina Seguros issues a Green Card (Carta Verde) enabling policyholders to travel abroad with their policy coverages recognised in signatory countries. Available upon request across all terceros modalidades.
Roadside Assistance 24/7 from Km 0
Covered
All Divina Seguros motor policies include round-the-clock roadside assistance 365 days a year, from kilometre 0 (no minimum distance requirement). Coverage extends to all of Europe and Mediterranean-rim countries. Towing and emergency support services are included.
Driver Accident Cover
Covered
Included in Divina Seguros motor policies. Covers death, permanent disability and medical assistance for the driver in the event of an accident. Specific indemnity limits are not published on official product pages.
Passenger Accident Cover
Not offered
Passenger accident cover (as distinct from third-party liability for occupants) is not explicitly described as a separate named benefit on Divina Seguros official product pages for the Terceros policy. Third-party occupant claims are handled under the civil liability coverage. A standalone passenger accident benefit limit was not found.
Key conditions
territorial_scope
Spain (nationwide). Green Card (Carta Verde) extends coverage to European countries and Mediterranean-rim countries. Roadside assistance covers all of Europe and Mediterranean-rim countries.
green_card_rules
The Green Card is an International Insurance Certificate that can be requested by the policyholder and is valid in all signatory countries. It confirms that the mandatory and voluntary civil liability coverages of the policy are in force while travelling abroad.
driver_restrictions
Driving under the influence of alcohol or drugs voids coverage for both own damage and third-party claims. Additional driver restrictions (minimum age, licence seniority) are determined by the conditions particulares of each policy.
claim_notification_deadline
Claims must be notified as soon as possible by calling 96 311 33 45 (Mon–Fri 08:00–18:00) or by emailing asegrup@divinaseguros.com with the friendly statement (parte amistoso) or a written account of the facts. Divina Seguros commits to completing a damage assessment within 24 hours of claim notification.
bonus_malus_rules
At policy inception, Divina Seguros consults the SINCO (historical motor insurance claims file) and requires the policyholder's claims certificate (certificado de siniestralidad) from the previous insurer. Prior claims history (with any insurer) is factored into the premium calculation. Specific bonus-malus scale details are not published on official product pages.
Where to buy
Documents
General Corporate Information – Divina Seguros (DGSFP registration, regulatory data)
other
Policy specifics
Mandatory Civil Liability
Legally mandated third-party liability coverage with minimum limits of €70 million for personal injury and €15 million for property damage per claim in Spain
Voluntary Civil Liability
Optional additional liability coverage that extends beyond mandatory minimum limits
24/7 Road Assistance
Round-the-clock roadside assistance coverage from kilometer 0, including towing and emergency support services
Legal Protection and Defense
Coverage for legal defense in traffic disputes, fine appeals, and damage claims
Glass Breakage Coverage
Optional coverage for windshield and window replacement in extended third-party policies
Theft and Fire Coverage
Insurance against vehicle theft and fire damage, included in comprehensive and higher-tier policies
Free Choice of Workshop or Approved Network
Policyholders can choose between Divina Seguros recommended workshops with discounts or select their own repair facility
Assessment Within 24 Hours
Divina Seguros commits to providing damage assessment within 24 hours of claim notification
New Vehicle Compensation (First 2 Years)
In case of total loss within the first two years of policy inception, compensation is calculated at replacement value rather than depreciated book value
Flexible Payment Options
Customers can choose to pay premiums annually, semiannually, or quarterly without interest charges
Licensed Insurer Registration
Divina Seguros operates under Divina Pastora Seguros, Mutua de Seguros, registered with Spain's financial regulator (DGSFP) with key M0381