Verti Motor third-party liability (Terceros)

Driver accident cover up to 60,000 EUR for death, permanent disability, and medical expenses is included as standard even in the most basic third-party policy.

Roadside assistance starts from kilometre zero — covering breakdowns, punctures, wrong fuel, key loss, and EV battery recharging even at the policyholder's home.

Optional Complete Roadside Assistance extends to all European countries and Mediterranean-bordering countries, including return transport, occupant assistance, and accommodation during repairs.

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Driver restrictions

Coverage applies to any authorised and legally licensed driver declared in the policy's Particular Conditions. The policyholder may declare a single authorised driver or multiple drivers (habitual and occasional), each of whose characteristics constitute a risk factor affecting the premium. Coverage is excluded if the driver: (a) does not hold a valid driving licence for the category of insured vehicle (including licence never obtained, total loss of points, or withdrawal by court order); (b) is under the influence of alcohol (blood alcohol above legal limits as a determining cause of the accident) or drugs; or (c) uses the vehicle in racing, competitions, or preparatory tests. The insurer may exercise a right of recovery against the policyholder or insured for claims paid where the driver lacked a valid licence.

Claim notification deadline

The policyholder or insured must notify Verti of any claim as soon as possible and within a maximum of 7 days from the date they became aware of it. Notification must be accompanied by all available information and documentation about the circumstances and consequences of the claim. The insurer must be allowed access for its appointed experts. Notifications may be made by telephone (91 175 87 67 or 900 81 69 18) or online at www.verti.es. Failure to notify within this period may entitle the insurer to claim damages caused by the late declaration, unless the insurer had knowledge of the claim by other means. Failure to provide information in bad faith or with gross negligence may result in loss of the right to indemnification.

Bonus-malus rules

The premium for successive renewal periods is calculated based on actuarial-technical tariffs in force at the time, taking into account coverage modifications, risk changes, and the personal claims history recorded in previous policy periods. If the premium for the new period implies an increase versus the previous period, the insurer must notify the policyholder of the new premium amount and due date before the contract expires. Claims behaviour and tariff updates (as provided under Ley 20/2015, Art. 94) are the main factors affecting the premium in subsequent years. A formal bonus-malus scale is not published in the policy documents, but prior claims experience is explicitly stated as a key pricing factor.

Territorial scope

Coverage in Spain, the entire EEA (EU member states, Iceland, Liechtenstein, Norway) and states adhering to the multilateral inter-bureau agreement (Andorra, Bosnia-Herzegovina, Montenegro, Serbia, Switzerland, United Kingdom). Basic roadside assistance limited to Spain; optional Complete roadside assistance covers all European countries and Mediterranean-bordering countries.