SegurCaixa Adeslas
SegurCaixa Adeslas is a motor third-party liability insurance for the ES market with online purchase and 24/7 assistance.
Direct payment
Claims covered by the policy are indemnified within 2 business days from receipt of all required documentation and once the indemnification amount has been agreed and the bank account details communicated to the insurer.
Geographic scope
Spain (nationwide)
Compulsory third-party liability: Spain, Andorra, EEA member states and countries adhering to the International Motor Insurance Certificate (Green Card). Roadside assistance (vehicle and persons): Spanish territory from km 0. Medical assistance abroad: limited to medical, surgical, pharmaceutical and hospitalisation expenses when travelling outside Spain.
Unique selling points
- Voluntary third-party liability coverage complementing the statutory minimum is included as standard in all modalities, with a ceiling set in the Condiciones Particulares (reported up to 50,000,000 EUR by authorised agents).
- New vehicle value indemnity guarantee: in case of total loss (theft, fire or own damage) for vehicles up to 2 years old, compensation is calculated at the new vehicle sale price — not the depreciated market value.
- Six binding service quality commitments including: roadside assistance arrival in under 1 hour, loss assessment within 24 hours, and claim payment within 48 business hours of receiving all documentation.
- Roadside assistance from km 0 — activated from the policyholder's home or garage with no minimum distance requirement, covering all road types including rural and forest tracks.
- Free choice of repair workshop including official brand dealerships, with special priority and home vehicle collection/delivery service at the network of collaborating workshops.
Coverage limits
Compulsory third-party bodily injury liability
Covered
Covers bodily harm and death caused to third parties in traffic accidents for which the insured driver is liable, up to the legal minimum of 70 million EUR per accident, regardless of the number of victims. The policy defers to the applicable Spanish Motor Vehicle Civil Liability Act in force at any given time.
Compulsory third-party property damage liability
Covered
Covers material damage caused to third-party property in traffic accidents for which the insured driver is liable, up to the legal minimum of 15 million EUR per accident, regardless of the number of vehicles or assets affected. The policy defers to the applicable Spanish Motor Vehicle Civil Liability Act in force at any given time.
Criminal defence and claims for damages (legal assistance)
Covered
Covers expenses incurred by the insured in administrative, judicial or arbitration proceedings arising from the insured coverages, and provides judicial and extrajudicial legal assistance. Includes criminal defence costs and recovery claims against third parties. Also covers up to 3,000 EUR for claims against the Consorcio de Compensación de Seguros. Free choice of lawyer is guaranteed. Specific monetary limit for lawyer fees is set in the Condiciones Particulares.
Green Card (International Motor Insurance Certificate)
Covered
The International Motor Insurance Certificate (Green Card) accredits the compulsory third-party liability cover when travelling abroad. Coverage extends to Spain, Andorra, EEA member states and all countries adhering to the Green Card system. When travelling outside the EU, the policyholder must carry the physical Green Card document; it can be requested by phone or at any SegurCaixa Adeslas office.
24/7 roadside assistance from km 0
Covered
Covers vehicle and personal assistance from km 0 (including the policyholder's home address) across Spanish territory. Services include on-site technical assistance, towing, vehicle rescue, fuel supply, and roadside assistance on any road including rural and forest tracks. Commitment to arrive within 1 hour on main roads. Medical, surgical, pharmaceutical and hospitalisation expenses are also covered when travelling outside Spain. Available via free helpline 900 301 900, 24 hours a day, 365 days a year.
Driver accident coverage (death and permanent disability)
Covered
Covers personal injury suffered by the insured vehicle's driver as a result of a traffic event. Base capital for death and permanent disability is set in the Condiciones Particulares (minimum observed: 30,000 EUR). An optional extension raises the capital to 60,000 EUR for death and total permanent disability. Death and permanent disability benefits are mutually exclusive — only the one arising from the first event is paid. A 3,000 EUR advance is paid to beneficiaries upon death to cover immediate expenses. Double capital applies in specific cases (death of driver and spouse in same accident with surviving minor children, or single-parent families).
Passenger accident coverage
Not offered
A specific separate passenger accident capital is not evidenced in the verified official sources for the standard Auto Selección MTPL product. The driver accident coverage is specifically restricted to the insured vehicle's driver. Occupant coverage ('Accidentes del Conductor u Ocupantes') may be available as an optional add-on in some modalities but was not confirmed as included in the base MTPL tier from the verified IPID and CCGG documents.
Key conditions
territorial_scope
Compulsory third-party liability coverage extends to Spain, Andorra, EEA member states and all countries adhering to the Green Card system. Roadside vehicle and personal assistance covers Spanish territory from km 0 (policyholder's home). Medical assistance abroad (surgical, pharmaceutical, hospitalisation) is covered exclusively outside Spain during travel. Assistance also covers Spain, Europe and non-European Mediterranean coastal countries within a 200 km coastal strip.
green_card_rules
The Green Card (International Motor Insurance Certificate) accredits compulsory liability cover abroad. It is required to access and circulate in non-EEA countries participating in the Green Card system. When travelling outside the EU, the policyholder must carry the physical Green Card. It can be requested by phone or at any SegurCaixa Adeslas office. Within the EU/EEA, the standard insurance receipt is sufficient proof of cover.
driver_restrictions
Drivers over 25 years of age and with more than 2 years of driving licence who occasionally drive the vehicle are automatically covered without declaration. Drivers under 25 years of age or with less than 2 years of licence must be expressly declared to SegurCaixa; failure to declare may result in denial of cover in the event of a claim. Policyholders must complete a pre-contract risk questionnaire and notify any changes during the policy term.
claim_notification_deadline
The insured must notify SegurCaixa Adeslas of any claim within a maximum period of 7 days from the date of the event. When travelling abroad, the insured must collect as much information as possible about the accident and any material and personal damages, as well as identify the responsible third parties and their insurer. In the event of vehicle transfer, the existence of the insurance must be communicated in writing to the buyer, and the transfer confirmed to the insurer in writing within 15 days.
bonus_malus_rules
The policy includes a bonus-malus system under which policyholders receive discounts for claim-free driving history and may incur increases in case of declared claims. Prior no-claims bonuses from other insurers are recognised: SegurCaixa Adeslas evaluates the actual claims history and applies corresponding discounts and bonuses. The policy renews automatically on an annual basis unless either party opposes renewal with at least one month's written notice before the policy end date.
Where to buy
Policy specifics
Voluntary third-party liability coverage
Optional additional coverage complementing mandatory third-party liability that covers indemnifications exceeding the legal minimum by amount.
Driver accident coverage
Coverage for personal injury (death and permanent disability) of the insured vehicle driver caused by a traffic event.
Legal assistance coverage
Coverage for criminal defense and damage claims assistance including legal and extrajudicial assistance expenses.
Legal assistance coverage
Coverage for criminal defense and damage claims assistance including legal and extrajudicial assistance expenses derived from the insurance coverages. Also covers administrative, judicial or arbitration procedure expenses. Up to 3,000 EUR for claims against the Consorcio de Compensación de Seguros. Free choice of lawyer guaranteed.
Territorial coverage scope
Vehicle and person assistance coverage extends to Spanish territory from km 0 (policyholder's home). Third-party liability coverage extends to Spain, Andorra, EEA member states and adherents to the International Motor Insurance Certificate (Green Card).
Risk declaration requirements
Policyholders must declare all known circumstances that could influence risk assessment in the pre-contract questionnaire and notify any alterations during contract validity.
Risk declaration requirements
Policyholders must declare all known circumstances that could influence risk assessment in the pre-contract questionnaire and notify any alterations during contract validity. Drivers under 25 or with less than 2 years of licence must be expressly declared. Failure to update risk data may result in denial of cover.