Santalucía
Santalucía is a motor third-party liability insurance for the ES market with online purchase and 24/7 assistance.
Direct payment
Claims and damage assessments are handled through Pelayo's network and telephone service. Pelayo covers direct payment of claimed material damages once the responsible insurer confirms payment. Roadside assistance (tow truck) must be requested through the assistance service.
Geographic scope
Spain and Andorra; European Union countries; Green Card system countries
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).
Unique selling points
- Service guarantee with automatic premium refund if tow truck does not arrive within 1 hour, surveyor does not assess within 24 hours, or workshop repair exceeds 72 hours.
- In the event of a total loss, receive 110% of the vehicle's new value during the first two years from initial registration.
- 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
Bodily Injury Liability
Covered
Civil liability for bodily injury caused to third parties in traffic accidents, up to 50 million euros per claim. Covers legally required indemnifications as driver or owner of the insured vehicle. Not applicable when damages are solely attributable to the injured party's conduct or to force majeure unrelated to the vehicle.
Property Damage Liability
Covered
Civil liability for damage to third-party property caused by fault or negligence of the insured driver or owner, up to 50 million euros per claim. Also includes liability for damage caused by luggage falling from the vehicle onto the public road.
Legal Defence (Criminal and Civil)
Covered
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.
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 in the theft and own-damage coverages. The basic MTPL-only tier may have limited or no roadside assistance; full roadside assistance (tow within 1 hour guarantee, 24h) is confirmed as a service-level commitment on the Santalucía product page for policies including relevant coverage tiers. Availability in the basic third-party tier alone is not explicitly confirmed by official sources.
Driver accident
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Passenger accident
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Key conditions
territorial_scope
Covers Spain, Andorra, EU member states, and countries party to the Green Card system listed in the International Insurance Certificate. In EEA or Multilateral Guarantee Convention countries outside the above list, civil liability is covered up to the mandatory insurance minimum of that state; Spanish limits apply if higher.
green_card_rules
The Green Card (International Insurance Certificate) extends civil liability coverage to countries that have signed the Green Card system. Limits of mandatory insurance in the country of the accident apply. If Spanish statutory limits are higher, Spanish limits prevail. Countries outside the Green Card zone are not automatically covered.
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 at-fault-free accidents 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).
Policy specifics
Third-party Liability Limit
Maximum coverage for civil liability damages limited to 50 million euros per claim
Criminal Defense
Optional coverage for criminal defense with limit up to 3,000 euros
Damage Claims & Recovery
Coverage for claims and recovery of damages caused by third parties
Pedestrian Protection
Coverage as pedestrian in case of traffic accident
Traffic Fine Defense
Coverage for defense against traffic fines up to 5 per year
Car Advice Service
Professional advisory service for automobile-related matters
Personal Accident Coverage
Coverage for personal accidents of driver and vehicle occupants
Network Repair Guarantee
Repairs must be carried out through network of authorized workshops with guaranteed repair quality
Tow Service Response Time
Tow vehicle must arrive within one hour of request
Surveyor Appointment
Professional surveyor must provide damage assessment within 24 hours
Withdrawal Period
Policyholder has 14 days to withdraw from distance selling contract for non-life insurance
Premium Payment Obligation
Policyholder must pay first annual premium at time of contract execution, with insurer obligations starting 24 hours after payment if delayed
Damage Notification Requirement
Policyholder must report accident or damage within maximum seven days of occurrence