Pelayo Mutual Insurance and Reinsurance Company at Fixed Premium
Pelayo
Pelayo is a motor third-party liability insurance for the Spain market with online purchase and 24/7 assistance.
Direct payment
Pelayo cannot invoke policy exclusions (e.g. alcohol, no valid licence, hit-and-run) to deny mandatory third-party indemnification up to the statutory RC limits; the insurer retains the right of recourse against the at-fault party.
Geographic scope
Spain (national)
Spain, Andorra, EU member states, and countries adhering to the Green Card system; within the EEA/multilateral guarantee convention, mandatory liability limits apply (or Spanish limits if higher)
Unique selling points
- Cláusula 1:24:72 guarantees tow truck within 1 hour, appraisal within 24 hours, and vehicle return within 72 hours — or Pelayo deducts 100 EUR from the next year's premium.
- Voluntary RC extension up to 50 million euros is included as standard in all motorcycle policy tiers, well above the legal minimum of 15 million for property damage.
- Roadside assistance from km 0 (door-to-door) with towing to the workshop of the insured's choice within a 150 km radius, available 24 hours a day, 365 days a year.
- Driver accident coverage (Seguro del Conductor) is included as a standard guarantee, uniquely protecting the at-fault motorcyclist who is excluded from mandatory RC under Spanish law.
- 100% online quote and purchase via pelayo.com, with a Guarantee Certificate (Certificado de Garantía) that waives the next year's premium if a formally upheld complaint is found entirely in the customer's favour.
Coverage limits
Bodily injury liability (mandatory)
€70,000,000
Only in La responsabilidad civil obligatoria
Mandatory third-party bodily injury liability coverage up to 70 million euros per accident, regardless of the number of victims, as established by Real Decreto Legislativo 8/2004 (art. 4) and Ley 5/2025.
Property damage liability (mandatory)
€15,000,000
Only in La responsabilidad civil obligatoria, La responsabilidad civil voluntaria
Mandatory third-party property damage liability coverage up to 15 million euros per accident, as established by Real Decreto Legislativo 8/2004 (art. 4). Voluntary RC extends coverage beyond these minimums up to 50 million euros total.
Legal protection (motorist)
Covered
Only in La protección jurídica del automovilista
Covers criminal defence (attorney and court representation fees, bail) and damage claims against at-fault third parties, including vehicle occupants. Free choice of attorney from the moment the claim is declared. The limit is set in the particular conditions. Traffic fine defence (up to 5 per year) is an optional sub-coverage within this guarantee.
International Green Card
Covered
Only in Cobertura geográfica, Condiciones comunes a todas las coberturas
The mandatory liability coverage extends via a single premium to all EEA member states and countries adhering to the multilateral Green Card agreement. In countries outside the EEA but within the Green Card system, mandatory RC limits of the relevant state apply, or Spanish limits if higher.
Roadside assistance (travel assistance)
Optional
Only in La asistencia en viaje
Available as an optional add-on covering both vehicle and persons from km 0. Includes emergency repair, towing up to 150 km, hotel accommodation, replacement vehicle (motorbike or car), spare parts delivery, medical evacuation and repatriation. Available in multiple sub-tiers (Moto, Moto Plus+). Towing limit: 100% of new value in the first two years, GANVAM value thereafter.
Driver accident insurance (Seguro del Conductor)
Optional
Only in Los accidentes personales, El seguro del Conductor
Optional personal accident cover for the at-fault driver, who is explicitly excluded from mandatory RC. Covers death, absolute permanent disability (capital set in particular conditions), partial disability (per schedule), medical assistance for 365 days (limit in particular conditions), helmet and clothing damage up to 300 EUR, and home adaptation costs up to 10,000 EUR.
Passenger/occupant accident insurance
Optional
Only in Los accidentes personales
Optional personal accident cover for occupants of the insured motorcycle involved in a traffic accident. Covers death, absolute permanent disability, partial disability per schedule (max 80% accumulation), and medical assistance for 365 days; capital limits set in particular conditions. Daily benefit excluded for persons under 16 or over 70 years.
Key conditions
Territorial scope
Spain (including Andorra), all EU member states, and all countries adhering to the Green Card (Carta Verde) system. Within the EEA or the Multilateral Guarantee Convention, mandatory RC limits of the relevant state apply or Spanish limits if superior.
Green card rules
A single annual premium covers mandatory RC in all EEA member states and Green Card-associated states throughout the policy term, including any type of stay of the insured vehicle in another EEA member state.
Driver restrictions
Coverage is excluded (though insurer must still pay third parties up to mandatory limits and then recover) for: driving without a valid licence; driving under the influence of alcohol or drugs above legal limits; wilful damage by the policyholder, insured or driver; abandonment of the accident scene. Injuries or death of the at-fault driver are explicitly excluded from RC; the driver must purchase a separate accident policy.
Claim notification deadline
The policyholder or insured must notify Pelayo of any claim within a maximum of seven days of becoming aware of it. Notice must also be given of any judicial, extrajudicial or administrative notification received in connection with the claim.
Bonus-malus rules
The premium is adjusted at each annual renewal based on the number of claims reported in the prior 12-month period (excluding fault-free claims where a third party's insurer has accepted liability). Claims history from the past five years can be certified for use with other EEA insurers.
Where to buy
Documents
General Policy Conditions — Pelayo Motorcycle Insurance (September 2025 edition)
Terms & conditions
General Policy Conditions — Pelayo Motorcycle Insurance (July 2018 edition, superseded)
Terms & conditions
General Policy Conditions — Pelayo Car Insurance (June 2024 edition, reference for RC limits and pre-contractual note)
Terms & conditions
Policy specifics
Mandatory liability limits
Legal minimum limits set by Spanish law for mandatory motor liability insurance
SourceDriver of at-fault vehicle exclusion
Mandatory liability does not cover injuries/death of driver of the at-fault vehicle
SourceService-level guarantee — Cláusula 1:24:72
Pelayo commits to: (1) dispatching a tow truck within 1 hour of the call; (2) appraising the vehicle by the next working day or within 24 working hours of deposit; (3) returning the vehicle within 72 working hours for repairs up to 8 labour hours in an authorised workshop. If any level is breached, the insured may claim a 100 EUR discount on the next year's premium (within 30 calendar days). Applies only to services rendered in mainland Spain.
Source