Qualitas Auto
Qualitas Auto is a motor third-party liability insurance for the ES market with online purchase and 24/7 assistance.
Direct payment
The insurer assumes legal direction against third-party claims and pays indemnities directly to injured third parties. In the case of extrajudicial claims handled by the legal defence insurer (ARAG/AECS), once formal acceptance of payment is obtained from the responsible party's insurer, the amount is advanced to the insured up to the limit stated in the particular conditions.
Geographic scope
All Spain
Spain and Principality of Andorra; countries of the European Economic Area; countries adhering to the Green Card system listed in the International Insurance Certificate; states adhering to the Multilateral Guarantee Convention.
Starting from
€146
Unique selling points
- Qualitas Auto guarantees tow truck arrival within 45 minutes of a roadside breakdown, expert damage assessment within 24 hours, and vehicle repair within 72 hours of parts receipt — or €100 compensation if these commitments are missed.
- All Qualitas Auto car policies include voluntary civil liability extended up to €50,000,000 per claim on top of the statutory €70,000,000 bodily injury and €15,000,000 property damage mandatory limits — at no additional charge.
- Driver accident insurance covering death, total and partial permanent invalidity, and medical expenses is included as standard in every Qualitas Auto policy, protecting the driver who is excluded from the mandatory MTPL coverage.
- Comprehensive legal defence (including 24-hour telephone legal assistance, bail bond up to €24,000, criminal defence, fine management and driving licence points reinstatement) is bundled into all Qualitas Auto policies without needing a separate product.
- Qualitas Auto is backed by Admiral Group Plc, with over 25 years of international insurance experience and an average customer rating of 9/10, and offers up to 30% discount when purchasing online through the instant quote calculator.
Coverage limits
Bodily injury liability (mandatory + voluntary)
Covered
Mandatory civil liability covers bodily injury indemnities up to €70,000,000 per accident as set by law (Real Decreto Legislativo 8/2004). Voluntary civil liability is included in all policies and extends cover above the mandatory limit up to a combined total of €50,000,000 additional per claim, covering damages exceeding the mandatory threshold.
Property damage liability (mandatory + voluntary)
Covered
Mandatory civil liability covers property damage indemnities up to €15,000,000 per accident as set by law. Voluntary civil liability extends cover above this mandatory limit up to a combined €50,000,000 additional per claim. Trailer/caravan liability is also covered when weight does not exceed 750 kg, registration matches the vehicle, and the trailer is attached at the time of the incident.
Legal defence (motorist)
Covered
Covers legal defence costs (court fees, attorney and solicitor fees, notary costs, expert fees), bail bond constitution up to €24,000 per claim for provisional release in criminal proceedings, criminal defence for traffic accidents, advance of indemnities, administrative fine management and driving licence points reinstatement (up to €500 for licence recovery course, up to €100 for partial points recovery). Free choice of lawyer guaranteed. Specific monetary limit per claim is set in the particular conditions. Effective from 4 April 2026 all coverage is underwritten by AECS (previously ARAG S.E.).
Green Card (International Insurance Certificate)
Covered
The International Insurance Certificate (Green Card) is included and covers circulation in Spain, Andorra, EEA countries, and countries adhering to the Green Card system or the Multilateral Guarantee Convention. Its use is required for countries outside the EU, Andorra, Croatia, Iceland, Norway and Switzerland.
Roadside assistance (travel assistance)
Covered
Roadside and travel assistance is included in all Qualitas Auto car insurance policies. The insurer commits to dispatching a tow truck within 45 minutes in the event of a breakdown on the road. Assistance is available 24 hours a day. Effective from 4 April 2026 coverage previously provided by Europ Assistance S.A. is assumed by AECS. Optional upgrade available for nationwide vehicle transport with no kilometre limit.
Driver accident insurance
Covered
Covers the driver (aged 25 or over, or under 25 if declared in the particular conditions) for bodily injuries suffered as a result of a traffic accident while driving the insured vehicle. Indemnifiable events include: death, total permanent invalidity (100% of capital), partial permanent invalidity (proportional to SS disability scale, minimum 5%), medical/surgical/pharmaceutical assistance costs, capital advance on death, double capital if both parents die and minor children are left, optional daily hospitalisation allowance (up to 365 days), and optional international coverage. Specific capital amounts are set in the particular conditions. As of 4 April 2026 coverage is underwritten by AECS (previously GES Seguros y Reaseguros S.A.).
Passenger accident coverage (via MTPL)
Covered
All occupants of the insured vehicle (excluding the driver, who is covered separately under the driver accident policy) are covered for bodily injuries caused by the insured vehicle under the mandatory civil liability section. This is a consequence of the MTPL framework and not a separate stand-alone passenger accident benefit with its own capital sum.
Key conditions
territorial_scope
Coverage applies in Spain and the Principality of Andorra, all EEA member states, countries adhering to the Green Card system listed in the International Insurance Certificate, and states adhering to the Multilateral Guarantee Convention. The Green Card document is required for travel outside the EU, Andorra, Croatia, Iceland, Norway and Switzerland.
green_card_rules
The International Insurance Certificate (Carta Verde) is included in the policy. It is required for circulation in non-EU countries outside the EEA that are not parties to the Multilateral Convention. The insured vehicle covered includes trailers without their own mandatory insurance requirement. Coverage abroad is provided under the same terms as within Spain up to the statutory limits of each country adhering to the Green Card system.
driver_restrictions
Drivers under 25 years of age or with less than 2 years of driving licence validity must be expressly declared in the particular conditions. Failure to declare such drivers may result in exclusion of coverage for voluntary guarantees and the insurer may exercise the right of recourse. Persons without a valid driving licence, whose licence has been suspended or revoked, or who drive under the influence of alcohol or drugs (above the legal limits) are not covered under voluntary guarantees.
claim_notification_deadline
The insured must notify the insurer of the occurrence of a claim within a maximum of 7 days of becoming aware of it, even if the insured does not intend to use the policy. Failure to do so entitles the insurer to claim damages caused by the lack of notification, unless the insurer became aware of the claim by other means. All judicial, extrajudicial or administrative notifications related to the claim must be forwarded to the insurer as soon as possible.
bonus_malus_rules
The premium for successive renewal periods is calculated on the basis of actuarial-technical tariffs in force at each renewal, taking into account changes in guarantees, risk aggravations or reductions, and the policyholder's personal claims history recorded in prior insurance periods. The insurer communicates the renewal premium before the contract's expiry date; if the new premium implies an increase, the policyholder may cancel the contract by giving written notice in advance of the expiry date in accordance with applicable law.
Documents
General Conditions – Qualitas Auto Car Insurance (model AU02-ADM1708, ARAG AU02-ARAG1702, GES AU02-GES2085) – current version with 2026 addenda
terms_and_conditions
General Conditions – Qualitas Auto Car Insurance (model AU02-ADM1305, ARAG AU02-ARAG1305, GES AU02-GES2085) – prior version with 2026 addenda
terms_and_conditions
General Conditions – Qualitas Auto Car Insurance (model AU02-ADM1207 / AICL) – earliest version
terms_and_conditions
Policy specifics
Trailer liability coverage
Liability coverage for damages caused by trailer/caravan, applicable when trailer does not require separate insurance and meets specific conditions (weight under 750kg, registration matches vehicle, attached at time of loss)
Occupants accident coverage
Insurance of medical expenses and accident coverage for all vehicle occupants (except driver who has separate protection) during traffic accidents
Legal defense coverage
Covers legal defense expenses, costs, and attorney fees arising from civil liability claims; includes criminal defense costs and bail premium coverage up to specific limits
Mandatory coverage limits by law
Legal minimum limits set by Spanish motor insurance law: €70,000,000 for personal injuries and €15,000,000 for property damage per accident
Driver age and experience restrictions
Policies may exclude or impose special conditions for drivers under 25 years old or with less than 2 years of driving license validity; must be declared in policy conditions
Vehicle use restrictions and conditions
Insurance excludes coverage if vehicle is used for specific purposes not declared: commercial transport, paid passenger transport, rental, driving school, fleet vehicles, or transport of hazardous materials
Subrogation rights limitations
Insurer waives subrogation rights against relatives of insured person (direct or collateral relatives up to 3rd degree), spouses, and people cohabiting with insured, unless loss arose from deliberate intent