FIATC Motor third-party liability (Seguro Coche A Terceros)

Roadside assistance included from km 0 with 24/7 coverage for breakdowns, flat tyres, fuel shortage, and lost keys — both in Spain and abroad.

Voluntary RC extends cover up to €50 million per claim, well above the mandatory minimum of €15 million for material damage.

Free choice of repair workshop, with the option to use the FIATC TS Plus network for priority assessment and exclusive advantages at no extra cost.

Full legal defence included — criminal defence, bail bonds, damage claims, and legal representation abroad — managed via 24h claims service, FIATC Online, or the official App.

Driver restrictions

Coverage excludes claims caused by intentional acts or driving under the influence of alcohol or drugs. FIATC may exercise right of recourse against the driver or insured in such cases after paying the third party indemnification. All drivers using the vehicle should be declared to FIATC as it may affect premium and coverage.

Claim notification deadline

The insured must notify FIATC of a claim as soon as possible, and within a maximum of 7 calendar days from the date of the incident, in accordance with Article 16 of the Spanish Insurance Contract Act (Ley 50/1980). Failure to notify within this period may result in coverage being denied, unless force majeure applies.

Bonus-malus rules

FIATC applies a bonus-malus system based on claims history. Good drivers (no at-fault claims) can receive discounts of up to 65% on their premium. The bonus is calculated based on the number of at-fault claims and years with the insurer. Claims affecting the bonus are those where the insured assumes liability for RC mandatory, RC voluntary, and own damage guarantees.

Territorial scope

Mandatory RC covers Spain; voluntary RC extends to Spain and the European Union territory. Green card (CIS) available on request for non-EEA countries.