Generali Motor third-party liability (Generali Automoviles)

Included as a core guarantee. Covers criminal defence in traffic-related criminal proceedings, including attorney and court fees. When the insured exercises the right to freely choose their own lawyer and solicitor, costs are capped at 3,000 EUR per claim. The insurer also advances bail bonds of up to 35,000 EUR per claim in criminal proceedings to secure the insured's provisional freedom. Damage claim coverage (Modalidad B) guarantees friendly or judicial claims against liable third parties for bodily and material damages suffered by the insured; it includes advance indemnity of up to 7,000 EUR for material damage where the counterparty insurer has confirmed payment in writing or a final court judgment exists, and third-party insolvency cover up to 12,000 EUR per claim for final unenforceable judgments. Administrative traffic fine defence is also included (Spain only) with unlimited written objections and appeals in the administrative channel.

Mandatory third-party liability coverage operates automatically throughout the EEA and states adhering to the Multilateral Guarantee Convention. For territories outside these (non-EEA Green Card countries), the Green Card international certificate is required and issued upon request. When a claim occurs in an EEA member state, Spanish mandatory limits apply if they are higher than the limits of the state where the accident occurred.

Available as an optional add-on. Covers vehicles weighing under 3,500 kg. Territorial scope: vehicle assistance in Spain, Europe and non-European Mediterranean coastal countries within a 200 km coastal strip, from km 0. Personal assistance worldwide from km 0 (except overseas medical expenses, which apply abroad only). Covered causes of immobilisation: breakdown, accident, flat tyre, misfuelling, fuel running out, keys locked inside vehicle, and glass breakage preventing normal driving. Key service limits: mechanical assistance / towing up to 240.40 EUR per tow, with alternative tow to workshop up to 100 km from incident; vehicle rescue up to 600 EUR; vehicle storage up to 15 days / 160 EUR; hotel expenses up to 4 nights / 61 EUR per person per night (3-star Spain, 4-star abroad); occupant transfer or rental car up to 300 EUR; overseas medical expenses up to 6,000 EUR; overseas legal defence up to 1,250 EUR; interpreter fees up to 1,200 EUR; advance bail bonds abroad up to 6,100 EUR; advance funds abroad up to 1,500 EUR.

Available as an optional add-on (Accidentes Corporales Conductor y Ocupantes). Covers the driver and, depending on the specific conditions contracted, also all occupants. Benefits: (1) death benefit – 100% of insured capital, with an immediate advance of up to 3,000 EUR; (2) total permanent disability – 100% of insured capital (loss of two feet, two arms, two hands, one arm and one leg, one hand and one foot, complete paralysis, total blindness or complete and incurable mental alienation); (3) partial permanent disability – indemnity per baremo expressed as a percentage of insured capital, capped at 100% of capital for invalidez; (4) medical, pharmaceutical and hospitalisation expenses from accidents – in Spain, treated at insurer-designated clinics at no sub-limit; at freely chosen clinics or abroad, up to the sum insured as stated in special conditions (hospitalisation capped at 200 EUR/day); prostheses up to 700 EUR per claim; orthopaedic items up to 1,000 EUR per insured. Death and permanent disability payments cannot be accumulated for the same accident. Coverage period for declaring disability or death: within two years from the accident date (Generali ON AUTOS conditions).