Línea Directa
Línea Directa is a motor third-party liability insurance for the ES market with online purchase and 24/7 assistance.
Direct payment
Línea Directa is obligated to pay the indemnification immediately upon completion of investigations and assessments confirming the existence and extent of the loss. In any case, within 40 days of receiving the claim declaration, Línea Directa will pay the minimum amount it may owe. Roadside assistance operates 24 hours a day, 365 days a year.
Geographic scope
Spain (national)
Countries within the Green Card (Carta Verde) territory for liability and vehicle modalities; Legal defence covers Spain and Green Card countries where involved parties are habitually stationed in the EEA.
Starting from
€219
Unique selling points
- Exclusive Tratamiento Médico Integral programme provides accident victims access to top private medical centres with no waiting times, covering diagnostic tests, specialist consultations, and rehabilitation for up to 365 days post-accident.
- Roadside assistance operates 24 hours a day, 365 days a year, with a free towing line from Spain (900 100 120) and an international toll-free number, covering incidents throughout the Green Card territory.
- Free choice of repair workshop is guaranteed; Línea Directa's partner network of selected workshops offers premium materials, digital claims management, and real-time towing tracking via the app.
- Rated one of Spain's best-valued car insurers (source: Inteliens 2025) with more than 3,800,000 customers and full online policy management including instant digital vehicle verification.
- Siniestro total threshold set at 100% of market value (versus the industry-common 75%), providing broader protection before a total loss is declared and maximising repair indemnification.
Coverage limits
Bodily Injury Liability (Mandatory Civil Liability)
Covered
Covers bodily injury and death caused to third parties in circulation events involving the insured vehicle, up to the current statutory limits of €70,000,000 per claim, regardless of the number of victims. The driver of the insured vehicle is excluded. Regulated by the consolidated text of the LRCSCVM (RDL 8/2004 as amended by Ley 5/2025).
Property Damage Liability (Mandatory Civil Liability)
Covered
Covers material damage caused to third-party property in circulation events involving the insured vehicle, up to the current statutory limit of €15,000,000 per claim. Covers only damage for which the driver is civilly liable under Articles 1902 et seq. of the Civil Code and the LRCSCVM. Damage to the insured vehicle, property of the policyholder, insured, owner, driver, or their relatives up to the third degree of consanguinity or affinity is excluded.
Legal Defence and Damage Claims
Optional
Optional modality covering criminal defence costs and bail for the authorised driver in traffic-related criminal proceedings, plus extrajudicial and judicial claims against liable third parties for damage to the insured vehicle and personal damages. When Línea Directa's own network is used, costs are covered without limit; when the insured appoints their own lawyer, reimbursement is capped at the limit set in the Particular Conditions, calculated on a percentage scale of the indemnification obtained (15% up to €3,000; 10% on €3,001–€6,000; 8% above €6,001, with minimum floors). Included in the 'Seguro a Terceros' package. Territorial scope: Spain and Green Card countries where parties are EEA-resident.
International Insurance Certificate (Green Card / Carta Verde)
Covered
The Green Card (Carta Verde) is an international insurance certificate evidencing the mandatory civil liability cover (modality II.1.1). It is necessary for travel abroad except in EU countries, Iceland, Norway, and countries with agreement such as Croatia, Switzerland, Liechtenstein, Andorra, Great Britain, and Bosnia-Herzegovina. The territorial scope for RC and vehicle modalities covers all Carta Verde member countries.
Roadside and Travel Assistance (Asistencia en Viaje)
Optional
Optional coverage providing 24-hour roadside assistance, including towing and emergency services, available 365 days a year. An expanded version including a replacement vehicle is also available as an add-on. The general T&C (policy 0045/2026) does not define this as a separate modality within the conditions; it is sold as an optional coverage. A 24h helpline from Spain is 900 100 120 and from abroad 00 800 120 123 80.
Driver Accident Coverage (Seguro del Conductor)
Optional
Optional modality under the 'Ocupantes' coverage (Art. 36). Covers only the driver of the insured vehicle for death and permanent disability resulting from a traffic accident (while travelling, boarding or alighting, or performing roadside repairs), plus healthcare assistance. The indemnification amount is set in the Particular Conditions. Permanent disability is assessed according to the policy's table of percentages; subjective sequelae and aesthetic damage are excluded.
Passenger Accident Coverage (Seguro de los Ocupantes)
Optional
Optional modality covering all occupants of the insured vehicle (including the driver) for death and permanent disability resulting from a traffic accident, plus healthcare assistance (Art. 36). Indemnification amounts are set in the Particular Conditions. The same Ocupantes modality can be contracted either as 'Seguro del Conductor' (driver only) or 'Seguro de los Ocupantes' (all occupants). A single accident cannot simultaneously give rise to both death and permanent disability benefits; any permanent disability payments are deducted from the death capital.
Key conditions
territorial_scope
Civil liability and vehicle modalities are covered throughout all countries within the Green Card (Carta Verde) territory. Legal defence (modality II.4) covers Spain and incidents in Green Card countries, provided the involved parties are habitually stationed in EEA countries. The insurer is subject to Spanish jurisdiction, with the insured's domicile being the competent court.
green_card_rules
The Green Card (Certificado Internacional de Seguro) is required for travel outside EU member states. It is not needed for EU countries, Iceland, and Norway. For countries with bilateral agreements such as Croatia, Switzerland, Liechtenstein, Andorra, Great Britain, and Bosnia-Herzegovina, the Green Card is also not required. The card evidences that mandatory civil liability cover (modality II.1.1) is in force.
driver_restrictions
The policy is calculated based on the characteristics of the driver(s) designated in the Particular Conditions. Undeclared drivers under 26 years of age are excluded from voluntary coverages (general exclusion Art. 48ñ). Drivers over 26 years of age may drive without being expressly declared. The vehicle must be driven by a legally qualified person authorised by the policyholder, owner or possessor. The mandatory civil liability cover cannot be denied to third parties even if the driver lacked a valid licence.
claim_notification_deadline
The policyholder must notify Línea Directa of the claim and all related information as soon as possible and in any case within 7 days of becoming aware of it (Art. 14). Failure to comply may entitle Línea Directa to claim damages for the resulting prejudice, unless it can be shown that it had knowledge of the claim by other means. The insured must also preserve remains and evidence of the claim until the damage assessment is complete.
bonus_malus_rules
The premium is calculated and updated annually based on risk factors including the claims history recorded in previous insurance periods, changes in individual risk factors declared in the underwriting questionnaire, the combination of those factors using statistical models, and upward movements in the consumer price index (Art. I.2, definition of 'Prima' in the 2026 T&C). No separate explicit bonus-malus table is published in the T&C; pricing is risk-based and history-dependent.
Policy specifics
Mandatory Civil Liability
Mandatory third-party liability coverage required by Spanish law for all motor vehicles
Voluntary Civil Liability
Optional extension of mandatory liability coverage for damages exceeding legal limits
Free Workshop Choice
Customer right to choose repair workshop or use network of approved partners
Travel Assistance Service
24/7 roadside assistance including towing and emergency services across Spain and EU
Legal Defence Service
Legal assistance and defence in civil and criminal matters related to accidents