Reale Auto
Reale Auto is a motor third-party liability insurance for the ES market with no online purchase and 24/7 assistance.
Direct payment
Reale does not operate a general direct payment model to third-party repairers. Indemnification requires the insured to present invoices; damage assessment is conducted by mutual agreement within 3 business days of claim notification. For roadside assistance, REALE arranges services directly through its 24/7 helpline (900 365 900).
Geographic scope
Spain (nationwide)
Mandatory civil liability covers the entire EEA and states adhering to the multilateral guarantee convention and inter-bureaux convention. Traffic fine management, driving licence recovery, points recovery courses, animal collision damage, luggage coverage and cleaning expenses are limited to Spain.
Unique selling points
- Expert mediator-assisted personalisation: Reale Auto is configured with the dedicated guidance of specialist mediators who tailor modalities, optional coverages and insured capitals to each customer's exact needs.
- High optional driver accident capitals up to 90,000 EUR for death and permanent disability for 1ª categoría vehicles, significantly above minimum market standards for MTPL products.
- Voluntary liability extension up to 50 million EUR above the statutory MTPL limits, offering comprehensive protection for damages to third parties exceeding the legally mandated coverage.
- Broad multi-vehicle coverage across all vehicle categories (cars, vans, motorcycles, agricultural and industrial vehicles) under a single product line with adapted guarantees per vehicle type.
- 24/7 roadside assistance included as a mandatory guarantee in all modalities, with international coverage across the EEA and inter-bureaux convention countries through a single premium.
Coverage limits
Mandatory Third-Party Bodily Injury Liability
Covered
Statutory mandatory civil liability covering personal injury and death caused to third parties by the insured vehicle in circulation. Limit of 70 million euros per accident, regardless of the number of victims, as established by Real Decreto Legislativo 8/2004 (Article 4).
Mandatory Third-Party Property Damage Liability
Covered
Statutory mandatory civil liability covering property damage caused to third parties by the insured vehicle in circulation. Limit of 15 million euros per accident, as established by Real Decreto Legislativo 8/2004 (Article 4).
Legal Defence and Damage Claim
Covered
Covers legal defence by lawyers and court representatives designated by REALE in criminal proceedings arising from traffic accidents. The insured may freely designate their own lawyers; in that case the covered capital is up to 1,500 EUR per claim for legal fees (free choice of lawyer). When REALE appoints the professionals, coverage is unlimited. Damage claim coverage (reclamación de daños) is also included up to 1,500 EUR for free choice. Applies to 1ª categoría; 3ª categoría has the same structure but specific limits may vary per particular conditions.
Green Card / International Motor Insurance Certificate
Covered
The mandatory civil liability insurance covers the entire EEA and states adhering to the multilateral guarantee convention and inter-bureaux agreement through a single premium payment. A Green Card (international insurance certificate) is issued and recognised across all participating countries, enabling cross-border circulation without additional premiums.
Roadside Assistance (Travel Assistance)
Covered
Travel assistance (asistencia en viaje) is included as a mandatory guarantee in all modalities for 1ª categoría (cars and vans). For 3ª categoría (motorcycles and mopeds) it is included but without a replacement vehicle. The service covers roadside breakdown, towing, and assistance while travelling; available via 24/7 helpline. Fine management, licence recovery and points recovery courses are available only in Spain.
Driver Accident Coverage
Optional
Optional coverage for the insured driver in case of accident resulting in death or permanent disability. For 1ª categoría (cars/vans), the maximum insured capital is up to 90,000 EUR for death and up to 90,000 EUR for permanent disability, plus medical assistance. For 3ª categoría (motorcycles/mopeds), the limit is up to 18,000 EUR for death and up to 18,000 EUR for permanent disability. Exact capital is agreed in particular conditions. Excluded when driver caused accident intentionally, was under influence of alcohol/drugs, or lacked the required driving licence.
Passenger Death Benefit (Occupant Decesos)
Optional
Optional coverage paying up to 7,500 EUR in the event of death of vehicle occupants (other than the driver) resulting from an accident. Available in 1ª and 3ª categorías. For 3ª categoría it is grouped under Terceros Ampliado modality together with the driver accident guarantee. Excludes occupants travelling as a result of theft or when the number of occupants exceeds the legally authorised maximum.
Key conditions
territorial_scope
Mandatory civil liability (RC Obligatoria) covers Spain, the entire EEA, and all states adhering to the multilateral guarantee convention and inter-bureaux convention through payment of a single premium. The coverage includes any period of stay of the insured vehicle in the territory of another EEA member state during the contract period. Traffic fine management, driving licence recovery (retirada de carnet), points recovery courses, animal collision damage, luggage coverage and vehicle cleaning expenses are limited exclusively to Spain.
green_card_rules
The Green Card (international insurance certificate) is issued by REALE and recognised in all EEA member states and countries adhering to the inter-bureaux agreement. REALE cannot oppose the absence of the European Accident Statement (Parte Amistoso) against injured parties, policyholders or drivers, as provided by Real Decreto Legislativo 8/2004 (Article 6). The claims history certificate covering the last five years of insurance is available on request and translated into English free of charge.
driver_restrictions
The policy covers the habitual driver and any occasional drivers declared at the time of subscription. Damage caused when the insured vehicle is driven by a person lacking the required driving licence or who has had their licence suspended or withdrawn is excluded from voluntary coverage, except for rights arising from the theft guarantee if included in the policy. Mandatory coverage cannot exclude occupants on the basis that they knew the driver was under the influence of alcohol or drugs.
claim_notification_deadline
The insured must notify REALE of any accident or damage within a maximum period of 7 days from becoming aware of it. Any judicial, extrajudicial or administrative notification related to the claim must also be communicated to REALE. All relevant information on the circumstances and consequences of the accident must be provided. Failure to meet this deadline may result in loss of claim rights in cases of intent or gross negligence, per Ley 50/1980 (Article 16).
bonus_malus_rules
Premium determination in successive years is based primarily on the claims history (comportamiento siniestral) of the policyholder and on tariff updates as provided by applicable insurance regulation. Reale uses the SINCO claims history database; previous insurers adhering to SINCO require only the last 5 digits of the prior policy number. Claims history certificates covering the last 5 years are provided for cross-border use. Specific bonus-malus coefficients are not disclosed in the IPID or Nota Informativa documents.
Policy specifics
Mandatory Third Party Liability
Legally required coverage for personal injury and property damage caused to third parties by vehicle circulation
Optional Extended Third Party Liability
Voluntary additional coverage extending mandatory third party liability limits up to 50 million euros for both personal injury and property damage
Legal Defense Coverage
Coverage for legal defense costs and court expenses arising from traffic accidents involving the insured vehicle
Friendly Accident Declaration
Optional joint document completed at accident scene to record accident details without admission of liability; recommended but not mandatory
Territorial Coverage
Coverage extends to Spain, EU/EEA member countries, countries adhering to multilateral guarantee conventions, and inter-bureaux convention members
Annual Contract Duration
Standard contract duration is one year with automatic annual renewal unless otherwise specified in particular conditions
Risk Disclosure Obligation
Policyholder must declare all known circumstances that may influence risk assessment and communicate any changes during contract duration