Santalucía Motor third-party liability (Seguro Basico Terceros)
Underwritten by Pelayo Mutua de Seguros y Reaseguros a Prima Fija · Spain
motor third-party liability insurance from Santalucía for the Spain market, with online purchase and 24/7 assistance.
Last verified Jul 17, 2026Sources
Unique selling points
Service guarantee: if the tow truck does not arrive within 1 hour, the surveyor does not assess within 24 hours, or the workshop repair exceeds 72 hours, the next renewal premium is not charged.
Legal protection coverage is included as standard, covering criminal defence (up to 3,000 EUR), damage claims, pedestrian accident claims, and traffic fine defence (up to 5 fines per year).
Policies are available entirely online through santalucia.es with digital management via app and customer area, and 24/7 claims and assistance helpline.
Automobile advisory service (legal telephone consultation on vehicle matters) is included in the basic policy and available to the full family unit of the policyholder.
Coverage limits
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
Legal Defence (Criminal and Civil)
€3K
Included in the basic policy. Covers: (1) criminal defence costs including attorney and procurator fees and court bonds for cases of negligence, up to 3,000 EUR; (2) civil damage claims against third parties (friendly, arbitral or judicial), including appraisal costs; (3) pedestrian damage claims; (4) traffic fine defence (up to 5 per year); (5) automobile advisory service. Specific monetary sub-limits are set in the particular conditions.
Section: Preguntas frecuentes sobre seguros de coche
Defensa penal, de hasta 3.000 euros.
Green Card (International Insurance Certificate)
Covered
The policy extends to countries adhering to the Green Card system as listed in the International Insurance Certificate. Civil liability coverage applies in these countries at minimum at the level of mandatory insurance limits of the respective state, with Spanish limits applying if higher.
Roadside Assistance
Conditional
Tow truck to the nearest workshop or the insured's address is included under the theft (robo) and own-damage (daños propios) coverages.
Section: ¿En qué consiste el seguro de Auto?
Si incumplimos cualquiera de los niveles de servicio, te compensamos no cobrando el precio del seguro de la próxima renovación: grúa en una hora, perito express con valoración en las primeras 24 horas y taller límite 72 horas.
Driver accident
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Passenger accident
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Key conditions
Driver restrictions
The driver must hold a valid driving licence or permit. Coverage is excluded for driving without a valid licence or permit, and for driving under the influence of alcohol (above legal limits), drugs, narcotics, or psychotropic substances as determined by legally established detection tests, even without a court conviction. The insurer may reclaim paid indemnifications from the driver, owner, and insured in cases of fraud or intentional acts.
Claim notification deadline
The policyholder or insured must notify Pelayo immediately of any claims, citations, or notifications received, indicating the means and date of receipt. For traffic fine defence, the insured must forward the infraction notice within a maximum of 5 calendar days from notification. For licence (carné) withdrawal, documentation must be provided within 7 days of notification.
Bonus-malus rules
The premium is adjusted at each annual renewal based on the number of accidents recorded in the prior 12 months prior to the billing notice, excluding accidents without injuries where a third party's insurer has accepted fault. Upon receiving the renewal billing notice, the policyholder may cancel the policy up to the day of expiry (more favourable than the statutory 2-month advance notice requirement under the Insurance Contract Act).
Territorial scope
Covers Spain, Andorra, EU countries and Green Card countries. In EEA or Multilateral Guarantee Convention countries outside the above, civil liability is covered up to the mandatory insurance limit of that state (Spanish limits apply if higher).
Documents
Policy specifics
Third-party Liability Limit
Maximum coverage for civil liability damages limited to 50 million euros per claim
SourceSection: Preguntas frecuentes sobre seguros de coche
Responsabilidad Civil limitada a 50 millones de euros por siniestro.
Criminal Defense
Criminal defence up to 3,000 euros, included in the basic policy.
SourceSection: Preguntas frecuentes sobre seguros de coche
Defensa penal, de hasta 3.000 euros.
Damage Claims & Recovery
Coverage for claims and recovery of damages caused by third parties
SourceSection: Preguntas frecuentes sobre seguros de coche
Reclamación de daños.
Pedestrian Protection
Coverage as pedestrian in case of traffic accident
SourceSection: Preguntas frecuentes sobre seguros de coche
Reclamación de daños como peatón, en caso de accidente de circulación.
Traffic Fine Defense
Coverage for defense against traffic fines up to 5 per year
SourceSection: Preguntas frecuentes sobre seguros de coche
Defensa de multas de tráfico (con un máximo de 5 multas al año).
Car Advice Service
Professional advisory service for automobile-related matters
SourceSection: Preguntas frecuentes sobre seguros de coche
Asesoría del automóvil.
Personal Accident Coverage
Coverage for personal accidents of driver and vehicle occupants
SourceSection: Preguntas frecuentes sobre seguros de coche
Accidentes personales (tanto del conductor como de los ocupantes).
Tow Service Response Time
Tow vehicle must arrive within one hour of request
SourceSection: ¿En qué consiste el seguro de Auto?
Si incumplimos cualquiera de los niveles de servicio, te compensamos no cobrando el precio del seguro de la próxima renovación: grúa en una hora, perito express con valoración en las primeras 24 horas y taller límite 72 horas.
Surveyor Appointment
Professional surveyor must provide damage assessment within 24 hours
SourceSection: ¿En qué consiste el seguro de Auto?
Si incumplimos cualquiera de los niveles de servicio, te compensamos no cobrando el precio del seguro de la próxima renovación: grúa en una hora, perito express con valoración en las primeras 24 horas y taller límite 72 horas.
Withdrawal Period
Policyholder has 14 days to withdraw from distance selling contract for non-life insurance
SourceClause artículo 10Section: Condiciones de contratación a distancia y derecho de desistimiento > 3. Procedimiento de contratación a distancia y derecho de desistimiento
el cliente dispone de un plazo de 14 días naturales para desistir del contrato a distancia en los seguros de no vida y de 30 días naturales en caso de seguros de vida, a contar desde la fecha de entrega de la póliza.
Premium Payment Obligation
Policyholder must pay first annual premium at time of contract execution, with insurer obligations starting 24 hours after payment if delayed
SourceDamage Notification Requirement
Policyholder must report accident or damage within maximum seven days of occurrence
SourceSources
Santalucía Motor third-party liability