A Vehicle Policy for Expatriates who live in Spain permanently or temporarily
Your vehicle so you should chose how to protect it!
Different types of cover for your car insurance
BASIC THIRD PARTY includes damage caused to third parties plus:
- Mandatory and Voluntary Liability
- Legal defense & Damage claims
- Roadside Assistance
THIRD PARTY FIRE & GLASS includes above and the aforementioned covers, plus fire cover for the vehicle.
THIRD PARTY FIRE & THEFT includes above and the aforementioned covers, plus vehicle theft cover.
FULLY COMPREHENSIVE without or with an excess Gives the full cover and services of the policy.
- If you have chosen this option, bear in mind that the value of the deductible will be deducted from each claim for own damage and/or theft cover.
Depending on the excess chosen, you will obtain a discount on the insurance price. The higher the excess, the higher the discount. Offering you the most comprehensive insurance.
- “Own Damage”:
- – Fall or overturning of the vehicle, collision with other vehicles or with any other moving or stationary object.
- – The collapse of bridges or roadways or land.
- – Malicious damage.
- – Accidents caused by defective material or building defects.
- – Damage to Upholstery.
- – Windscreen breakage.
- – Hail damage.
- Damage to the insured vehicle caused by fire.
- Theft of the Insured Vehicle.
- Replacement vehicle.
- Personal Accident to the Driver (Compensation and Monthly Income).
- Subsidy for Temporary Suspension of Driving Licence.
Giving you peace of mind and no need to pay more for your car insurance as an expatriate in Spain.
• Replacement vehicle up to 35 days in an accident or up to 45 days for theft or a fire.
• Roadside Assistance from 0 kilometre. If we don’t attend to you within one hour, we will refund you the premium of this cover.
• Extended Travel Assistance 24 hours a day 365 days of the year. Your own card with assistance numbers with your policy for Spain and abroad.
• Windscreen & glass breakage
• Theft with violence, fire or damage of the vehicle, including damage caused by hail.
• Mandatory and voluntary liability insurance, including damage caused to third parties by towing trailers and/or caravans
• Third party insolvency: We´ll pay the indemnity set be a legal ruling due to material damage.
• Public Liability for cargo
• Unlimited health care in Spain. If you need to be hospitalized or require surgery due to an accident, we`ll cover the health care expenses.
• Lost car keys: to the insured vehicle, a duplicate set copied
• Legal assistance
• Fire department services: not free in Spain although its a public service, included and saves you money
• Accessories: Includes all the factory fitted accessories even if they do not come with the standard model.
Vehicle cleaning: includes the upholstery and inside the vehicle. The Law states we must help injured individuals in an accident. We will cover the cleaning of the vehicle in these cases.
Counselling for family members if the driver passes away in a motor vehicle accident.