Reale Auto Motor third-party liability (Auto Reale)

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.

Optional driver accident cover with capitals up to 90,000 EUR for death and permanent disability for 1ª categoría vehicles.

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.

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insured vehicle is driven by a person lacking the required driving licence or who has had their licence suspended or withdrawn is excluded from voluntary coverage, except for rights arising from the theft guarantee if included in the policy.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.

Territorial scope

Mandatory civil liability covers the entire EEA and states adhering to the multilateral guarantee convention and inter-bureaux convention. Some optional guarantees (e.g. traffic fine management, driving licence withdrawal, points recovery courses) apply only in Spain.