Zurich

Mandatory RC (RC Obligatoria) covers third-party bodily injury up to the legally mandated limits (70,000,000 EUR per the statutory Spanish minimums). Voluntary RC (RC Voluntaria) extends cover to 120,000,000 EUR total RC limit as marketed on zurich.es/seguros-coche/terceros. The CG states the company guarantees 'up to the legally applicable limits' for mandatory cover and 'up to the limit indicated in the Condiciones Particulares' for voluntary cover.

Mandatory RC covers third-party property damage up to the legally mandated minimum (15,000,000 EUR per Spanish statutory limits under RDL 8/2004 as amended). The CG states the company guarantees up to the legally applicable limits for the mandatory cover. Voluntary RC additionally covers damage exceeding the mandatory minimum up to the limit specified in the Condiciones Particulares. Damage to the insured vehicle itself or property owned by the insured and close relatives is excluded.

Included in all tiers of Zurich Motor GO!. The insurer assigns and pays for its own appointed lawyers without a monetary cap ('sin límite de capital'). If the insured opts for their own choice of lawyer in criminal proceedings, the insurer covers up to 1,500 EUR (Modalidad Esencial) or 6,000 EUR (Modalidad Ampliada, contracted in Condiciones Particulares). Coverage includes legal defence in any judicial, administrative or extrajudicial procedure arising from a traffic accident, bail deposit for criminal proceedings, claims management against third parties, and traffic infringement management. Legal protection in proceedings is limited to Spain only. Fines and sanctions are excluded.

The Green Card (Certificado Internacional de Seguro) is provided by Zurich to the policyholder. Coverage extends to countries of the European Economic Area, states party to the Multilateral Guarantee Agreement and states party to the Interbureaux Convention. The specific list of covered countries is stated in the International Insurance Certificate provided at contracting.

Included from kilometre zero. Three tiers available (Esencial, Ampliada, Plus), contracted in Condiciones Particulares. Esencial: on-site repair up to 450 EUR (if repairable in under 30 minutes); towing up to 200 km for vehicles ≤3,500 kg PMA (no km limit for EVs on battery discharge); hotel up to 60 EUR/night/insured (2 nights in Spain, 5 abroad); bailiff advance abroad up to 4,800 EUR; legal defence abroad up to 1,800 EUR. Ampliada: all Esencial limits doubled (except towing subsection a), plus unlimited towing within the Spanish peninsula or one island to the insured's preferred workshop. Plus: additionally provides a compact type-C substitute vehicle (up to 15 days) during repair or theft. Service activation requires calling the 24-hour assistance number. Coverage for vehicle risks: Spain, rest of Europe and Mediterranean-bordering countries. Personal risks in transit: worldwide.

Included in two tiers: Modalidad Esencial (included by default) and Modalidad Ampliada (optional extension). Covers death, permanent total or partial disability, and medical-pharmaceutical expenses resulting from a traffic accident while inside or getting in/out of the insured vehicle. Capital amounts are set in the Condiciones Particulares. Death: insurer pays the contracted capital to beneficiaries within 5 days of documentation; advance of 50% up to 6,000 EUR for administrative/fiscal costs. Permanent disability: indemnity = capital × disability % per the policy's valuation table (capped at 100% of capital; max 3,000 EUR for vehicle adaptation costs). Medical/pharmaceutical: insurer covers expenses at any hospital in the country of habitual residence or country of accident, up to the limit in Condiciones Particulares, within 1 year of the incident; complementary expenses (prosthetics, dental, companion stay) up to 600 EUR. Modalidad Ampliada doubles the complementary expenses limit. Intentional acts, Consorcio-covered events, and unauthorised drivers are excluded.