Mandatory civil liability:

Covers the requirement to compensate a third party for bodily or material harm caused by the use of a vehicle when the Insured (Policyholder and Owner) is civilly liable, up to the legally established limits. Limit of €70 million for bodily injury and €15 million for material damage.

Voluntary civil liability:

• Guarantee that complements the previous one, for claims that exceed the compulsory insurance limit, extending it to €50,000,000.
• Civil liability for vehicle fire: for damages caused to third parties resulting from the fire originating in the insured vehicle when said vehicle is parked, limited to €150,000.

Civil liability for freight:

Covers the non-contractual civil liability for damages caused to third parties by objects or goods transported in the insured vehicle, including during the loading/unloading thereof, up to a limit of €150,000.

Civil liability for agricultural work:

Covers the non-contractual civil liability resulting from damages caused to third parties in connection with agricultural or farming work carried out exclusively with the insured vehicle, its trailers and/or implements. Limit of up to €300,000 for tractors and harvesters, and up to €60,000 for rototillers.

Legal defense (Criminal):

Covers the defense of the driver of the vehicle in criminal proceedings for traffic accidents caused with the insured vehicle. Limited to €3,000 if the policyholder selects their own attorney.

Claims for Damages:

Covers the claims against the third party responsible for damages suffered in a traffic accident, even as a pedestrian. Limited to €3,000 if the policyholder selects their own attorney.

Challenge Fines:

Covers the provision of legal services to the insured for administrative traffic, driving and road safety fines.

Personal accidents of occupants:

Includes compensation for death, permanent disability and healthcare expenses.

Broken windows:

Cost of replacing and installing windows and their accessories. It also covers the repair of any window, including a solar roof, up to a limit of €3,000.

Fire, Theft and Write-Off:

Covers partial damage or the total loss of the insured vehicle as a result of fire, theft or attempted theft by a third party, and total write-off.

Damage due to collision with game animals:

Covers material damage to the vehicle and its accessories as a result of a collision with game species or domestic animals.

Damage due to weather phenomena:

Covers material damage that the insured vehicle may sustain as a result of hail, snow, flooding, falling aircraft.

Own damage with deductible:

Partial or total damages sustained by the vehicle due to an external, violent and instantaneous cause will always be provided with a €200 deductible.