Línea Directa Motor third-party liability (Seguro Automovil)

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).

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.

Covers 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.

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.

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. A 24h helpline from Spain is 900 100 120 and from abroad 00 800 120 123 80.

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.