SegurCaixa Adeslas Motor third-party liability (Auto Seleccion Terceros)

Voluntary third-party liability coverage complementing the statutory minimum is included as standard in all modalities, with the limit set in the Condiciones Particulares.

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.

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.

Territorial scope

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.