Car Insurance in Spain - Competitive Rates for Expats
In Spain it is a legal requirement that all cars are insured unless registered as off the road. We are here to make sure you purchase the policy that best fits your needs from basic third-party liability to fully comprehensive cover.
We also have a range of specialist policies for those with complex Insurance requirements. Should need to make a claim you can be confident in the knowledge that you are sufficiently covered and have access to full support throughout the claims process. At The Insurance Centre we pride ourselves on offering highly competitive prices on the best quality policies available on the insurance market today.
Our Policies include:
European Green Cards
European Breakdown Assistance
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• The cover is applicable from KM 0, which is the insured's own place of residence
• If it is possible to do an emergency repair on the vehicle at the side of the road within a period of one hour then the insurer will bear the costs as long as it does not exceed 100 €uros
• Immobilisation resulting from breakdown, accidents, flat tyres, fuelling errors, keys left in the vehicle and broken windscreen preventing normal transit of the vehicle are all covered
• The vehicle will be towed to the official garage for its make nearest to the spot where the breakdown has occurred or alternatively to the insured's choice of garage as long as it is within 100 Km
• Towing service is available to 4x4 or cross country vehicles when off public roads as long as the access to vehicles is licit and possible
• Rescue and salvage of the insured vehicle is covered. Limitation is applied
• Hotel expenses are covered if the vehicle is unable to be repaired the same day and the insured has to wait for the vehicle. This is covered until the vehicle is repaired up to a maximum of 4 nights (61 € per person max.)
• Repatriation to your home or destination is covered if the vehicle insured becomes immobilised for one day or overnight. You have the choice of either staying in a hotel as explained above or the insurers will pay for a airplane ticket, train ticket or bus ticket providing that the cost does not exceed that of the return trip home
• If the vehicle is stolen the above options are available
• Transportation of the insured to pick up the repaired vehicle
Expenses for transporting the vehicle to the residence of the insured
• Dispatch of replacement parts for the insured vehicle if there are not available in the area where the accident or breakdown occurred. The insured upon returning from his journey will reimburse the insurer for any advances it may have made for the purchase of parts
• If your keys should be stolen overseas the insurer will obtain copies of keys and send them as quickly as possible to the insured wherever she maybe
• Legal defence in case of a traffic accident abroad. Restrictions apply
• Posting of criminal bail bonds abroad
• Medical transportation or reparation injured or ill individuals and minors
• Travel expenses for a family member in case of hospitalisation over five days
• Medical, surgical pharmaceutical expenses abroad including the forwarding of medications and convalescence in a hotel
• In the event of death of the insured reparation is covered
• Interruption of the insured journey due to the death of a family member
• Search for and forwarding of luggage and personal effects
Roadside assistance
To use the roadside assistance the emergency number must be contacted at all times. This is a 24 hour multi-lingual service. No reimbursement or compensation whatsoever will be given if the number is not used.• The cover is applicable from KM 0, which is the insured's own place of residence
• If it is possible to do an emergency repair on the vehicle at the side of the road within a period of one hour then the insurer will bear the costs as long as it does not exceed 100 €uros
• Immobilisation resulting from breakdown, accidents, flat tyres, fuelling errors, keys left in the vehicle and broken windscreen preventing normal transit of the vehicle are all covered
• The vehicle will be towed to the official garage for its make nearest to the spot where the breakdown has occurred or alternatively to the insured's choice of garage as long as it is within 100 Km
• Towing service is available to 4x4 or cross country vehicles when off public roads as long as the access to vehicles is licit and possible
• Rescue and salvage of the insured vehicle is covered. Limitation is applied
• Hotel expenses are covered if the vehicle is unable to be repaired the same day and the insured has to wait for the vehicle. This is covered until the vehicle is repaired up to a maximum of 4 nights (61 € per person max.)
• Repatriation to your home or destination is covered if the vehicle insured becomes immobilised for one day or overnight. You have the choice of either staying in a hotel as explained above or the insurers will pay for a airplane ticket, train ticket or bus ticket providing that the cost does not exceed that of the return trip home
• If the vehicle is stolen the above options are available
• Transportation of the insured to pick up the repaired vehicle
Expenses for transporting the vehicle to the residence of the insured
• Dispatch of replacement parts for the insured vehicle if there are not available in the area where the accident or breakdown occurred. The insured upon returning from his journey will reimburse the insurer for any advances it may have made for the purchase of parts
• If your keys should be stolen overseas the insurer will obtain copies of keys and send them as quickly as possible to the insured wherever she maybe
• Legal defence in case of a traffic accident abroad. Restrictions apply
• Posting of criminal bail bonds abroad
• Medical transportation or reparation injured or ill individuals and minors
• Travel expenses for a family member in case of hospitalisation over five days
• Medical, surgical pharmaceutical expenses abroad including the forwarding of medications and convalescence in a hotel
• In the event of death of the insured reparation is covered
• Interruption of the insured journey due to the death of a family member
• Search for and forwarding of luggage and personal effects
Windscreen Cover
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In the case of a broken windscreen the insurer will pay the cost for the replacement and installation of the glass and its accessories. This does not effect your no claims bonus.
Protected No Claims
Bilingual Personal Claims Advisor
24hr free Bilingual Assistance Helpline
Legal Defence
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● Personal defence of the insured by lawyers or court attorneys including fees and expenses of the lawyers and notary's fees etc.
● Criminal proceedings and bail bonds if required for the release of the insured on bail
● Expense of loss adjusters if authorised by the insurers
● A free choice of a court attorney and lawyer is available to defend the insured in any type of proceedings (conditions apply)
● Appealing against traffic fines
● Advice about lost driving licences and points.
Legal defence
The insurer will undertake the defence of the insured or any authorized driver of the insured vehicle in the event of a traffic accident in regards to legal proceedings brought against them. Including:● Personal defence of the insured by lawyers or court attorneys including fees and expenses of the lawyers and notary's fees etc.
● Criminal proceedings and bail bonds if required for the release of the insured on bail
● Expense of loss adjusters if authorised by the insurers
● A free choice of a court attorney and lawyer is available to defend the insured in any type of proceedings (conditions apply)
Legal assistance for administrative traffic and roadway safety violations
● Telephone consultation in regards to traffic matters and fines.● Appealing against traffic fines
● Advice about lost driving licences and points.
Courtesy Car should your car be off the road
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Replacement vehicle
By including this option in your policy you would be entitled to a rental car (Class C) if the insured vehicle has had an accident where apon the estimated time of repair is longer than 24 hours. This is NOT applicable if the vehicle is immobilised due to mechanical breakdown.Liability Cover for Trailers, Cyclists and Caravans
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Trailer and Caravan Liability
All trailers and caravans are insured for third party liability automatically under the car insurance policy as long as the total weight of either the caravan or the trailer does not exceed 750 Kg and they have the same registration number as the car.Liability for loads / pedestrians / amateur cycling
This cover guarantees a limit payment if damage is caused to third parties by loads being carried in the insured vehicle. The policy holder and named drivers would be covered for liability derived from Amateur cycling and in their capacity as pedestrians if they are involved in a traffic accident.Our Policies
Our goal is to ensure all our clients receive the best insurance product for their needs we therefore have 6 insurance options available to all our Clients
- THIRD PARTY LIABILITY
- THIRD PARTY & FIRE
- THIRD PARTY, FIRE & THEFT
- THIRD PARTY, FIRE. THEFT & LOSS
- FULLY COMPREHENSIVE WITH EXCESS (Recommended 300€)
Third Party Liability
Mandatory and Voluntary Liability.
Liability included in the policy
Mandatory liability with limits according to the Law. The insurer undertakes to pay indemnities derived from the liability of the driver of the insured vehicle which causes damage to people or property. Voluntary liability. The insurer undertakes to pay indemnities derived from the liability of the driver of the insured vehicle which causes damage to people of property.The amount paid is the limit agreed in the schedule in excess of the cover provided under the mandatory liability at the time of the claim. Included in the Voluntary liability is damaged caused to third parties as a result of fire from the insured vehicle.
Personal Accident.
Driver and passenger cover
Under this cover accidental death is covered due to the result of a traffic accident and according to the amounts declared on the insurance policy. A sum of 3.000 € will be paid in advance to take care of all funeral arrangement.Under this cover accidental and permanent disability is covered due to the insured suffering total permanent disability. The insurer will indemnify 100 % of the sum insured less any payments it may have made as indemnities for partial permanent disability. The scale of payment is according to the insurers conditions.
Health Care expenses arising from accidents
For one year the insurers will cover all medical, pharmaceutical, hospitalisation and treatment expenses if the care is provided in Spain and only by clinics and hospitals which are recognised by the Insurance Compensation Consortium. Also covered is:-● Urgent transport of the injured party to the nearest health centre immediately after the accident
● Ambulance transportation if further required
● Initial purchase of prostheses, glasses, hearing aid devices that might be necessary as a result of the accident or the repair and replacement of such items
Personal Accident cover for the driver
According to the policy conditions the insurer agrees to pay the fixed sum over 24 monthly annuities in the event of death or total permanent disability.Temporary suspension of driving licence
The insurer will pay out a monthly subsidy according to the amounts agreed in the policy as regards to temporary suspension of your driving licence due to a traffic offence, exclusively by imprudence, fault or negligence. Payment will begin the month after suspension with a maximum period of time of 24 months.Third Party & Fire
Mandatory and Voluntary Liability.
Liability included in the policy
Mandatory liability with limits according to the Law. The insurer undertakes to pay indemnities derived from the liability of the driver of the insured vehicle which causes damage to people or property. Voluntary liability. The insurer undertakes to pay indemnities derived from the liability of the driver of the insured vehicle which causes damage to people of property.The amount paid is the limit agreed in the schedule in excess of the cover provided under the mandatory liability at the time of the claim. Included in the Voluntary liability is damaged caused to third parties as a result of fire from the insured vehicle.
Personal Accident.
Driver and passenger cover
Under this cover accidental death is covered due to the result of a traffic accident and according to the amounts declared on the insurance policy. A sum of 3.000 € will be paid in advance to take care of all funeral arrangement. Under this cover accidental and permanent disability is covered due to the insured suffering total permanent disability. The insurer will indemnify 100 % of the sum insured less any payments it may have made as indemnities for partial permanent disability. The scale of payment is according to the insurers conditions.Health Care expenses arising from accidents
For one year the insurers will cover all medical, pharmaceutical, hospitalisation and treatment expenses if the care is provided in Spain and only by clinics and hospitals which are recognised by the Insurance Compensation Consortium. Also covered is:● Urgent transport of the injured party to the nearest health centre immediately after the accident
● Ambulance transportation if further required
● Initial purchase of prostheses, glasses, hearing aid devices that might be necessary as a result of the accident or the repair and replacement of such items
Personal Accident cover for the driver
According to the policy conditions the insurer agrees to pay the fixed sum over 24 monthly annuities in the event of death or total permanent disability.Temporary suspension of driving licence
The insurer will pay out a monthly subsidy according to the amounts agreed in the policy as regards to temporary suspension of your driving licence due to a traffic offence, exclusively by imprudence, fault or negligence. Payment will begin the month after suspension with a maximum period of time of 24 months.Fire Damage
Fire, Lightning and explosion are covered under the policy whether the vehicle is parked or in transit. Material flaws and manufacturing defects will have restricted cover to repair the damage caused by the accident and will not include the faulty parts.
Misconduct or malicious damage perpetrated by third parties is covered. Fire damage will also be indemnified when the fire is accidental in origin. Fire caused by wilful misconduct is not covered. All expenses incurred due to extinguishing the fire will be covered.
Misconduct or malicious damage perpetrated by third parties is covered. Fire damage will also be indemnified when the fire is accidental in origin. Fire caused by wilful misconduct is not covered. All expenses incurred due to extinguishing the fire will be covered.
Third Party, Fire & Theft
Mandatory and Voluntary Liability.
Liability included in the policy
Mandatory liability with limits according to the Law. The insurer undertakes to pay indemnities derived from the liability of the driver of the insured vehicle which causes damage to people or property. Voluntary liability. The insurer undertakes to pay indemnities derived from the liability of the driver of the insured vehicle which causes damage to people of property.The amount paid is the limit agreed in the schedule in excess of the cover provided under the mandatory liability at the time of the claim. Included in the Voluntary liability is damaged caused to third parties as a result of fire from the insured vehicle.
Personal Accident.
Driver and passenger cover
Under this cover accidental death is covered due to the result of a traffic accident and according to the amounts declared on the insurance policy. A sum of 3.000 € will be paid in advance to take care of all funeral arrangement. Under this cover accidental and permanent disability is covered due to the insured suffering total permanent disability. The insurer will indemnify 100 % of the sum insured less any payments it may have made as indemnities for partial permanent disability. The scale of payment is according to the insurers conditions.Health Care expenses arising from accidents
For one year the insurers will cover all medical, pharmaceutical, hospitalisation and treatment expenses if the care is provided in Spain and only by clinics and hospitals which are recognised by the Insurance Compensation Consortium. Also covered is:● Urgent transport of the injured party to the nearest health centre immediately after the accident
● Ambulance transportation if further required
● Initial purchase of prostheses, glasses, hearing aid devices that might be necessary as a result of the accident or the repair and replacement of such items
Personal Accident cover for the driver
According to the policy conditions the insurer agrees to pay the fixed sum over 24 monthly annuities in the event of death or total permanent disability.Temporary suspension of driving licence
The insurer will pay out a monthly subsidy according to the amounts agreed in the policy as regards to temporary suspension of your driving licence due to a traffic offence, exclusively by imprudence, fault or negligence. Payment will begin the month after suspension with a maximum period of time of 24 months.Fire Damage
If the insured vehicle is rendered immobile due to fire and or to repair the vehicle due to fire damage will take longer than 24 hours then a rent a car will be made available (category C) this is available as of 72 hours after the occurrence up to a maximum of 45 consecutive days.
Fire, Lightning and explosion are covered under the policy whether the vehicle is parked or in transit. Material flaws and manufacturing defects will have restricted cover to repair the damage caused by the accident and will not include the faulty parts.
Misconduct or malicious damage perpetrated by third parties is covered. Fire damage will also be indemnified when the fire is accidental in origin. Fire caused by wilful misconduct is not covered. All expenses incurred due to extinguishing the fire will be covered.
Fire, Lightning and explosion are covered under the policy whether the vehicle is parked or in transit. Material flaws and manufacturing defects will have restricted cover to repair the damage caused by the accident and will not include the faulty parts.
Misconduct or malicious damage perpetrated by third parties is covered. Fire damage will also be indemnified when the fire is accidental in origin. Fire caused by wilful misconduct is not covered. All expenses incurred due to extinguishing the fire will be covered.
Theft
In the event of a theft the indemnity is based as follows:-
● 100% of the value as new, if the vehicle is less than four years old
● If the vehicle is more than four years old, the indemnity will be made for its actual cash value plus 30%
● Theft of accessories such as radio, telephone, satellite navigation or sound and image playing devices if they are factory fitted they are full covered but if they are an extra they have to be itemised on the policy and if so done indemnity will be 100 % of their value provided that the stolen devices are actually replaced subject to verification by the Insurers loss adjuster. This type of claim is limited to a single indemnity per insurance year
● Theft of batteries and tyres will be indemnified at 50 % of their value as new
● Indemnity is guaranteed when damage has occurred due to theft and attempted theft
● If the vehicle is recovered after 40 days following the claim the insured is obliged to accept its return. After this amount of time it will remain the possession of the insurer
● 100% of the value as new, if the vehicle is less than four years old
● If the vehicle is more than four years old, the indemnity will be made for its actual cash value plus 30%
● Theft of accessories such as radio, telephone, satellite navigation or sound and image playing devices if they are factory fitted they are full covered but if they are an extra they have to be itemised on the policy and if so done indemnity will be 100 % of their value provided that the stolen devices are actually replaced subject to verification by the Insurers loss adjuster. This type of claim is limited to a single indemnity per insurance year
● Theft of batteries and tyres will be indemnified at 50 % of their value as new
● Indemnity is guaranteed when damage has occurred due to theft and attempted theft
● If the vehicle is recovered after 40 days following the claim the insured is obliged to accept its return. After this amount of time it will remain the possession of the insurer
Third Party, Fire, Theft & Total Loss
Mandatory and Voluntary Liability.
Liability included in the policy
Mandatory liability with limits according to the Law. The insurer undertakes to pay indemnities derived from the liability of the driver of the insured vehicle which causes damage to people or property. Voluntary liability. The insurer undertakes to pay indemnities derived from the liability of the driver of the insured vehicle which causes damage to people of property.The amount paid is the limit agreed in the schedule in excess of the cover provided under the mandatory liability at the time of the claim. Included in the Voluntary liability is damaged caused to third parties as a result of fire from the insured vehicle.
Personal Accident.
Driver and passenger cover
Under this cover accidental death is covered due to the result of a traffic accident and according to the amounts declared on the insurance policy. A sum of 3.000 € will be paid in advance to take care of all funeral arrangement. Under this cover accidental and permanent disability is covered due to the insured suffering total permanent disability. The insurer will indemnify 100 % of the sum insured less any payments it may have made as indemnities for partial permanent disability. The scale of payment is according to the insurers conditions.Health Care expenses arising from accidents
For one year the insurers will cover all medical, pharmaceutical, hospitalisation and treatment expenses if the care is provided in Spain and only by clinics and hospitals which are recognised by the Insurance Compensation Consortium. Also covered is:● Urgent transport of the injured party to the nearest health centre immediately after the accident
● Ambulance transportation if further required
● Initial purchase of prostheses, glasses, hearing aid devices that might be necessary as a result of the accident or the repair and replacement of such items
Personal Accident cover for the driver
According to the policy conditions the insurer agrees to pay the fixed sum over 24 monthly annuities in the event of death or total permanent disability.Temporary suspension of driving licence
The insurer will pay out a monthly subsidy according to the amounts agreed in the policy as regards to temporary suspension of your driving licence due to a traffic offence, exclusively by imprudence, fault or negligence. Payment will begin the month after suspension with a maximum period of time of 24 months.Fire Damage
If the insured vehicle is rendered immobile due to fire and or to repair the vehicle due to fire damage will take longer than 24 hours then a rent a car will be made available (category C) this is available as of 72 hours after the occurrence up to a maximum of 45 consecutive days.
Fire, Lightning and explosion are covered under the policy whether the vehicle is parked or in transit. Material flaws and manufacturing defects will have restricted cover to repair the damage caused by the accident and will not include the faulty parts.
Misconduct or malicious damage perpetrated by third parties is covered. Fire damage will also be indemnified when the fire is accidental in origin. Fire caused by wilful misconduct is not covered. All expenses incurred due to extinguishing the fire will be covered.
Fire, Lightning and explosion are covered under the policy whether the vehicle is parked or in transit. Material flaws and manufacturing defects will have restricted cover to repair the damage caused by the accident and will not include the faulty parts.
Misconduct or malicious damage perpetrated by third parties is covered. Fire damage will also be indemnified when the fire is accidental in origin. Fire caused by wilful misconduct is not covered. All expenses incurred due to extinguishing the fire will be covered.
Theft
In the event of a theft the indemnity is based as follows:-
● 100% of the value as new, if the vehicle is less than four years old
● If the vehicle is more than four years old, the indemnity will be made for its actual cash value plus 30%
● Theft of accessories such as radio, telephone, satellite navigation or sound and image playing devices if they are factory fitted they are full covered but if they are an extra they have to be itemised on the policy and if so done indemnity will be 100 % of their value provided that the stolen devices are actually replaced subject to verification by the Insurers loss adjuster. This type of claim is limited to a single indemnity per insurance year
● Theft of batteries and tyres will be indemnified at 50 % of their value as new
● Indemnity is guaranteed when damage has occurred due to theft and attempted theft
● If the vehicle is recovered after 40 days following the claim the insured is obliged to accept its return. After this amount of time it will remain the possession of the insurer
● 100% of the value as new, if the vehicle is less than four years old
● If the vehicle is more than four years old, the indemnity will be made for its actual cash value plus 30%
● Theft of accessories such as radio, telephone, satellite navigation or sound and image playing devices if they are factory fitted they are full covered but if they are an extra they have to be itemised on the policy and if so done indemnity will be 100 % of their value provided that the stolen devices are actually replaced subject to verification by the Insurers loss adjuster. This type of claim is limited to a single indemnity per insurance year
● Theft of batteries and tyres will be indemnified at 50 % of their value as new
● Indemnity is guaranteed when damage has occurred due to theft and attempted theft
● If the vehicle is recovered after 40 days following the claim the insured is obliged to accept its return. After this amount of time it will remain the possession of the insurer
Total Loss
● If declared total Loss 100% of the value as new, if the vehicle is less than four years old
● If the vehicle is more than four years old, a payment actual cash value plus 30%
● No excess to be paid if the vehicle is declared a total loss
● If the vehicle is more than four years old, a payment actual cash value plus 30%
● No excess to be paid if the vehicle is declared a total loss
Partial Damage
● Collision with other vehicles / objects whether moving or stationary
● Sinking or collapse of land, bridges and roads
● Malicious damage by third parties
● Damage or flaws to the vehicles upholstery as a result of assisting accident victims
● Broken windows
● Hail damage
● Personal items and luggage due to an accident
● Sinking or collapse of land, bridges and roads
● Malicious damage by third parties
● Damage or flaws to the vehicles upholstery as a result of assisting accident victims
● Broken windows
● Hail damage
● Personal items and luggage due to an accident
Fully Comprehensive with excess (Recommended 300€)
Mandatory and Voluntary Liability.
Liability included in the policy
Mandatory liability with limits according to the Law. The insurer undertakes to pay indemnities derived from the liability of the driver of the insured vehicle which causes damage to people or property. Voluntary liability. The insurer undertakes to pay indemnities derived from the liability of the driver of the insured vehicle which causes damage to people of property.The amount paid is the limit agreed in the schedule in excess of the cover provided under the mandatory liability at the time of the claim. Included in the Voluntary liability is damaged caused to third parties as a result of fire from the insured vehicle.
Personal Accident.
Driver and passenger cover
Under this cover accidental death is covered due to the result of a traffic accident and according to the amounts declared on the insurance policy. A sum of 3.000 € will be paid in advance to take care of all funeral arrangement. Under this cover accidental and permanent disability is covered due to the insured suffering total permanent disability. The insurer will indemnify 100 % of the sum insured less any payments it may have made as indemnities for partial permanent disability. The scale of payment is according to the insurers conditions.Health Care expenses arising from accidents
For one year the insurers will cover all medical, pharmaceutical, hospitalisation and treatment expenses if the care is provided in Spain and only by clinics and hospitals which are recognised by the Insurance Compensation Consortium. Also covered is:● Urgent transport of the injured party to the nearest health centre immediately after the accident
● Ambulance transportation if further required
● Initial purchase of prostheses, glasses, hearing aid devices that might be necessary as a result of the accident or the repair and replacement of such items
Personal Accident cover for the driver
According to the policy conditions the insurer agrees to pay the fixed sum over 24 monthly annuities in the event of death or total permanent disability.Temporary suspension of driving licence
The insurer will pay out a monthly subsidy according to the amounts agreed in the policy as regards to temporary suspension of your driving licence due to a traffic offence, exclusively by imprudence, fault or negligence. Payment will begin the month after suspension with a maximum period of time of 24 months.Fire Damage
If the insured vehicle is rendered immobile due to fire and or to repair the vehicle due to fire damage will take longer than 24 hours then a rent a car will be made available (category C) this is available as of 72 hours after the occurrence up to a maximum of 45 consecutive days.
Fire, Lightning and explosion are covered under the policy whether the vehicle is parked or in transit. Material flaws and manufacturing defects will have restricted cover to repair the damage caused by the accident and will not include the faulty parts.
Misconduct or malicious damage perpetrated by third parties is covered. Fire damage will also be indemnified when the fire is accidental in origin. Fire caused by wilful misconduct is not covered. All expenses incurred due to extinguishing the fire will be covered.
Fire, Lightning and explosion are covered under the policy whether the vehicle is parked or in transit. Material flaws and manufacturing defects will have restricted cover to repair the damage caused by the accident and will not include the faulty parts.
Misconduct or malicious damage perpetrated by third parties is covered. Fire damage will also be indemnified when the fire is accidental in origin. Fire caused by wilful misconduct is not covered. All expenses incurred due to extinguishing the fire will be covered.
Theft
In the event of a theft the indemnity is based as follows:-
● 100% of the value as new, if the vehicle is less than four years old
● If the vehicle is more than four years old, the indemnity will be made for its actual cash value plus 30%
● Theft of accessories such as radio, telephone, satellite navigation or sound and image playing devices if they are factory fitted they are full covered but if they are an extra they have to be itemised on the policy and if so done indemnity will be 100 % of their value provided that the stolen devices are actually replaced subject to verification by the Insurers loss adjuster. This type of claim is limited to a single indemnity per insurance year
● Theft of batteries and tyres will be indemnified at 50 % of their value as new
● Indemnity is guaranteed when damage has occurred due to theft and attempted theft
● If the vehicle is recovered after 40 days following the claim the insured is obliged to accept its return. After this amount of time it will remain the possession of the insurer
● 100% of the value as new, if the vehicle is less than four years old
● If the vehicle is more than four years old, the indemnity will be made for its actual cash value plus 30%
● Theft of accessories such as radio, telephone, satellite navigation or sound and image playing devices if they are factory fitted they are full covered but if they are an extra they have to be itemised on the policy and if so done indemnity will be 100 % of their value provided that the stolen devices are actually replaced subject to verification by the Insurers loss adjuster. This type of claim is limited to a single indemnity per insurance year
● Theft of batteries and tyres will be indemnified at 50 % of their value as new
● Indemnity is guaranteed when damage has occurred due to theft and attempted theft
● If the vehicle is recovered after 40 days following the claim the insured is obliged to accept its return. After this amount of time it will remain the possession of the insurer
Total Loss
● If declared total Loss 100% of the value as new, if the vehicle is less than four years old
● If the vehicle is more than four years old, a payment actual cash value plus 30%
● No excess to be paid if the vehicle is declared a total loss
● If the vehicle is more than four years old, a payment actual cash value plus 30%
● No excess to be paid if the vehicle is declared a total loss
Partial Damage
● Collision with other vehicles / objects whether moving or stationary
● Sinking or collapse of land, bridges and roads
● Malicious damage by third parties
● Damage or flaws to the vehicles upholstery as a result of assisting accident victims
● Broken windows
● Hail damage
● Personal items and luggage due to an accident
● Sinking or collapse of land, bridges and roads
● Malicious damage by third parties
● Damage or flaws to the vehicles upholstery as a result of assisting accident victims
● Broken windows
● Hail damage
● Personal items and luggage due to an accident