Occident Motor third-party liability (Automoviles 3a Categoria)

Roadside assistance effective from km 0 (insured's home address) for towing, fuel delivery, tyre change and key services — no minimum distance required for core breakdown services.

Includes civil liability as pedestrian and cyclist, and civil liability arising from fire or explosion of the insured vehicle — coverages that competitors often exclude or charge extra for.

Full gestoría (administrative agency) service included, covering vehicle documentation duplicates, address changes, ownership transfers, licence plate requests and international driving licence applications at no extra cost.

24/7 telephone medical guidance service accessible by phone or video call via the insurer's app, covering the policyholder and their family for any health query at no additional cost.

Driver restrictions

The habitual driver must be identified by name in the policy particulars. Other drivers with a valid licence and authorisation of the policyholder or owner may drive the vehicle. Drivers under 25 years of age and/or with less than 2 years of licence seniority must be expressly declared in the policy particulars, unless they are already declared in another in-force policy with the same insurer covering a similar vehicle owned by the same family unit. Driving without a valid licence, or with a suspended, annulled or withdrawn licence, is excluded from voluntary coverages (insurer retains right of recourse).

Claim notification deadline

The insured must notify the insurer of the accident as soon as possible and always within 7 days of the accident or the day they became aware of it. All relevant information about the circumstances and consequences must be provided. In case of theft, fire or vandalism, the insured must report the facts to the authorities immediately. Failure to notify may give the insurer the right to claim damages caused by the lack of declaration, unless it can be proven the insurer learned of the accident by other means. Urgent repairs may be carried out without prior authorisation if their cost does not exceed the limit stated in the coverage summary, provided the invoice and accident declaration are submitted within 7 days.

Bonus-malus rules

The renewal premium for each annual period is calculated by applying the insurer's current tariffs to the risk and insured sum, taking into account coverage modifications and risk aggravation or reduction, as well as the personal claims history from preceding insurance periods. Risk aggravation factors include: age and licence seniority of the habitual/declared driver, number of vehicles in the family unit or workplace, and characteristics, use and circulation area of the insured vehicle.

Territorial scope

European Economic Area and states adhering to the Multilateral Guarantee Agreement (Andorra, Serbia, Switzerland). Voluntary coverages apply in Spain, Andorra and Multilateral Guarantee Agreement states only. Green Card extension available on request for other states.