Pelayo Motor third-party liability (Seguro Moto Terceros)

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.

Optional roadside assistance from km 0 (door-to-door), with towing to the workshop of the insured's choice within a 150 km radius, available 24/7.

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.

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 claims without injuries 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.

Territorial scope

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)