Extracted from source documents

Qualitas Auto Motor third-party liability (Qualitas Auto Terceros)

Underwritten by Admiral Europe Compañía de Seguros S.A.U. · Spain

motor third-party liability insurance from Qualitas Auto for the Spain market, with online purchase and 24/7 assistance.

Verified Jul 17, 2026 · Terms dated 2026-04-04Sources

Online purchase24/7 helpline

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

Liability limit (covers injury + property damage)

One combined sum for both bodily injury and property damage, not two separate limits.

€1€2.1
Covered

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.).

Clause 2.17.4Page 36

Section: 2.17. Condiciones especiales > 2.17.4. Asistencia al detenido 24 horas y Fianzas

el Asegurador, con el límite de 24,000 Euros por siniestro, constituirá la fianza que en la causa criminal se exija al Asegurado para: Obtener su libertad provisional.

Covered

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.

Page 5

Section: 0.4. Definiciones

Carta Verde: Certificado Internacional de seguro de Responsabilidad Civil de vehículos terrestres automóviles. Su utilización es necesaria para circular por el extranjero, salvo en los países de la Unión Europea, Andorra, Croacia, Islandia, Noruega y Suiza.

Covered

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.

Covered

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.).

Page 45

Section: 3. Seguro accidentes del conductor > 3.2. Alcance del seguro

El Asegurador garantiza, dentro de los límites cualitativos y cuantitativos contenidos en las condiciones particulares del presente contrato, la indemnización de los daños sufridos por el conductor asegurado siempre que sean a consecuencia de un accidente producido durante la circulación... teniendo una edad superior o igual a 25 años y estando legalmente habilitado para la conducción del vehículo asegurado.

Covered

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.

Page 12

Section: 1.1. Sección 1: Responsabilidad Civil Obligatoria > Se cubre

se cubren las indemnizaciones de las que el conductor o el propietario del vehículo asegurado deba responder por los daños causados a las personas o bienes de un tercero, derivados de hechos de la circulación de los que resulte civilmente responsable.

Key conditions

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.

Territorial scope

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.

Documents

General Conditions – Qualitas Auto Car Insurance (model AU02-ADM1708, ARAG AU02-ARAG1702, GES AU02-GES2085) – current version with 2026 addenda (opens in a new tab)

Terms & conditions · PDF

General Conditions – Qualitas Auto Car Insurance (model AU02-ADM1305, ARAG AU02-ARAG1305, GES AU02-GES2085) – prior version with 2026 addenda (opens in a new tab)

Terms & conditions · PDF

General Conditions – Qualitas Auto Car Insurance (model AU02-ADM1207 / AICL) – earliest version (opens in a new tab)

Terms & conditions · PDF

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)

SourcePage 13

Section: 1.2. Sección 2: Garantías Voluntarias > 1.2.1. La Responsabilidad Civil de Suscripción Voluntaria

La responsabilidad civil por los daños causados a terceros a causa del uso de remolques y/o caravanas siempre y cuando: a. Su peso total no exceda los 750 Kg. b. Su matrícula coincida con la del vehículo asegurado. c. En el momento del siniestro el remolque esté enganchado al coche.

Occupants accident coverage

Insurance of medical expenses and accident coverage for all vehicle occupants (except driver who has separate protection) during traffic accidents

Source

Section: ¿Qué cubre?

Cubrir los daños producidos a todos los ocupantes del vehículo asegurado durante un accidente, salvo al conductor , que igualmente queda protegido por la cobertura de seguro del conductor, incluida en todos los seguros de coche de Qualitas Auto.

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

SourceClause 2.3Page 29

Section: 2. Defensa jurídica del automovilista > 2.3. Alcance del seguro

El Asegurador asumirá los gastos derivados de la defensa jurídica de los intereses del asegurado, así como otras prestaciones cubiertas en las condiciones especiales de la modalidad de la póliza contratada.

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

Source

Section: ¿Qué cubre?

Cubrir la indemnización a terceros de hasta 70.000.000 € para daños personales y hasta 15.000.000 € para daños materiales por cada accidente (esto es, los límites marcados por la ley para esta garantía).

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

SourcePage 22

Section: 1.2.7. Exclusiones comunes a las garantías voluntarias

Los daños ocasionados en el vehículo asegurado cuando sea conducido por una persona menor de 25 años de edad o con menos de dos años de antigüedad del permiso de conducir que no esté expresamente designado como conductor del vehículo asegurado en las Condiciones Particulares

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

Source

Section: Motivo de rescisión del contrato y principales exclusiones

El seguro se ha establecido sobre la base de que el vehículo asegurado no será utilizado para las siguientes actividades: transporte de mercancías peligrosas tales como materias inflamables, explosivas, tóxicas, carburantes o esencias minerales, transporte remunerado de personas, alquiler con o sin conductor, servicio público o autoescuela, flota de vehículos, o cualquier otra recogida en condiciones particulares o generales del seguro.

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

SourcePage 26

Section: 1.3.2. Condiciones relativas al siniestro > Subrogación

El Asegurador no tendrá derecho a la subrogación contra ninguna de las personas cuyos actos u omisiones den origen a responsabilidad del asegurado, de acuerdo con la Ley, ni contra el causante del siniestro que sea, respecto del asegurado pariente en línea directa o colateral dentro del tercer grado civil de consanguinidad, padre adoptante o hijo adoptivo que convivan con el asegurado.

Sources

Qualitas Auto Motor third-party liability

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