Génesis Motor third-party liability (Genesis Coche)

Covers costs of penal defence, court bonds and damage claims arising from traffic accidents (Art. 10). The insurer assumes the direction of criminal defence (lawyer and court agent designated by the insurer at no cost to the insured). Where the insured exercises free choice of lawyer/court agent, the insurer covers fees up to a maximum of 1,500 EUR per claim. Penal bail bonds up to 35,000 EUR per claim. Damage claims (amicable or judicial) against liable third parties covered up to 1,500 EUR (free-choice limit). Insolvency cover for material damage claims up to 12,000 EUR. Advance of damage indemnity (minimum 300 EUR, maximum 7,000 EUR). Excluded when vehicle driven by persons under 25 years or with less than 2 years' licence experience unless expressly designated in particular conditions.

Coverage within the EEA and Multilateral Guarantee Convention states (including Morocco) is automatic under the policy. For territories outside those listed in Article 11(1), the Green Card (international certificate of insurance) must be issued. Coverage in those other territories is conditional on prior issuance of the Green Card by the insurer and is applied at the limits and conditions mandatory under the law of the state where the accident occurs.

Included in all policy variants (Art. 8). Vehicle assistance covers Spain, Europe and Mediterranean-rim countries from km 0; personal assistance covers worldwide from km 0 (medical expenses only abroad). Key sub-limits: mechanical assistance/towing up to 100 km to nearest official dealer or chosen workshop (towing costs covered up to 240.40 EUR per tow); vehicle rescue up to 600 EUR; storage/custody up to 160 EUR (max 15 days); hotel costs up to 61 EUR/person/night (max 4 nights, 3-star Spain / 4-star abroad); occupant transfer or car hire up to 300 EUR; medical expenses abroad up to 6,000 EUR; legal defence abroad up to 1,250 EUR; penal bail advance abroad up to 6,100 EUR; interpreter fees up to 1,200 EUR; funds advance abroad up to 1,500 EUR. Covers immobilisation due to breakdown, accident, punctures, wrong fuel, out of fuel, keys locked inside.

Covers the driver for death and permanent disability resulting from a traffic accident during the policy period (Art. 7). Capital for death or total permanent disability: between 30,000 EUR and 100,000 EUR (exact amount per particular conditions). In case of death, an advance up to 3,000 EUR is available to beneficiaries immediately. Permanent partial disability is indemnified by applying percentage scales per the policy baremo to the agreed capital. Medical assistance expenses (hospitalisation, pharmaceuticals, prostheses, dental prostheses, urgent care) are covered at 100% if treated by insurer-designated clinics in Spain; if treated abroad or by freely chosen doctors/clinics in Spain, coverage is limited to the sum insured in particular conditions, with a maximum of 6,000 EUR for expenses incurred abroad. All expenses covered for up to one year from the date of accident. Excluded: accidents caused by intentional acts, drug/alcohol influence, or when vehicle driven by unlicensed driver or person under 25/less than 2 years' experience (unless designated in particular conditions).