Zurich Motor GO! Terms and Conditions Car insurance

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I. Legal regulations

Insurer and the authority supervising its operations

Zurich Insurance Europe AG is an insurance company registered in Germany with Registration No. HRB 133359, whose registered office is Platz der Einheit 2, 60327, Frankfurt, Germany. It is supervised and registered by the Federal Financial Supervisory Authority (BaFin), and authorised to operate in Spain under the right of establishment through its branch Zurich Insurance Europe AG, Sucursal en España.

Zurich Insurance Europe AG, Sucursal en España, NIF W0072130H, registered office Paseo de la Castellana, 81, planta 22, 28046 Madrid, is registered in the Directorate General of Insurance and Pension Funds Administrative Registry with code no. E0189.

Pursuant to Section 123 of Royal Decree 1060/2015, of 20 November, on the organisation, supervision and solvency of insurers and reinsurers, it is hereby stated that in the event of the liquidation of the insurer, Spanish liquidation regulations do not apply.

Law applicable to the contract

• Insurance Contract Act 50/80, of 8 October.
• Organisation, Supervision and Solvency of Insurers and Reinsurers Act 20/2015, of 14 July.
• Insurance Compensation Consortium Legal Statute Regulation Act 7/2004, of 29 October.
• Any other regulation that might be applicable during the lifetime of the policy.

Complaints and claims

Complaints and claims may be submitted to the company’s Customer Ombudsman under the procedure set out in the Customer Ombudsman Regulations drawn up by the company and which are available on our website www.zurich.es/defensacliente. These Regulations comply with the requirements of Ministerial Order ECO 734/2004 and any other regulations that may replace or amend it.

The Customer Ombudsman will resolve the complaint or claim within the time limit indicated in its Regulations from when the complaint or claim is filed. At the end of that period the claimant may contact the Complaints Service of the Insurance and Pension Plans General Directorate if need be.

Cancellation clause for distance contracts

In the case of insurance that is taken out exclusively by means of distance communication media, and for purposes other than the insured’s business or professional activities, the insured may cancel the distance contract within fourteen calendar days of it being signed, provided that an adverse event covered by the insurance has not occurred, without stating their reasons and without penalisation, in compliance with Section 10 of the Distance Marketing of Financial Services for Consumers Act 22/2007. To exercise this right the insured should write to the insurer. The insurer reserves the right to retain the part of the premium which is proportional to the cover period. The right of cancellation shall not be applicable to compulsory insurance, travel or luggage policies lasting less than a month, or to ones whose effect terminates within the fourteen calendar day period.

Personal data protection:

Pursuant to Regulation 2016/679 of the European Parliament and of the Council of 27 April 2016 (hereinafter the GDPR), Spain’s Personal Data Protection and Digital Rights Safeguards Act 3/2018 of 5 December (hereinafter the LOPDGDD) and other applicable regulations, below is information about how Zurich processes your personal data as a result of the insurance contract:

Who the controller is?

Zurich Insurance Europe AG, Sucursal en España, with registered office at Paseo de la Castellana, 81, planta 22, 28046 Madrid, (hereinafter, “Zurich”) is the controller.

Purposes of processing and lawful basis

Personal data will be processed by the controller for the following purposes and on the following legal bases which make the data processing legitimate:

• Managing the contract
  The processing operations listed below are necessary for the performance of the insurance contract (Art. 6(1)(b) GDPR):
  - Gathering data and information for the conclusion of the insurance contract and carrying out procedures for the contracted policy such as amending policy information, asking for bank information, extending coverage, handling claims, etc.
  - If the customer asks to change or cancel their insurance policy over the phone, recording the reported part of the call as proof or evidence.
  - Sending non-marketing messages related to the contracted policy and regulations.
  - Disclosing data of the insured, policyholder, beneficiary or injured third party to reinsurance and coinsurance undertakings where needed to conclude a reinsurance or coinsurance contract.

The processing operations listed below are necessary for the insurer to comply with its legal obligations (Art. 6(1)(c) GDPR):

• Performing statistical and actuarial studies required for risk assessment and pricing of the policy. When calculating the premium, we will need to analyse the customer’s risk, make partially automated decisions and perform basic profiling to adjust the price according to the risk.
• Keeping the accounting ledgers required by the Code of Commerce and other regulations applicable to us as well as records of accounts, claims, technical provisions, investments, reinsurance contracts and policies, endorsements and cancellations made.
• Processing the data of third parties involved in the insurance contract, including beneficiaries, successors in title, legal representatives or injured third parties, in order to ensure full performance of the insurance contract and compliance with regulations. When the policy is executed by the policyholder for the benefit of a third party, the policyholder contractually accepts the obligation to notify such third parties about the processing of their personal data by the insurer and where applicable has to give the insurer the signed membership form following the procedure specified in Royal Decree 1060/2015 on the organisation, supervision and solvency of insurers and reinsurers in relation to prior insurance information.
• Carrying out relevant checks pursuant to applicable money laundering and terrorist financing legislation and fraud prevention best practices. To this end we may have to profile and conduct automated individual decision-making which will in all cases be reviewed by a team of professionals.

The processing operations listed below are based on Zurich’s legitimate interest in its business and insurance operations (Art. 6(1)(f) GDPR). You may object to this processing by emailing protecciondedatos@zurich.com or writing to any of the addresses mentioned at the time of registration or provided by us in a specific promotion:

• In the insurance industry, automated processing of the personal data of customers and potential customers and profiling is an intrinsic and absolutely essential procedure for the business operations of any insurer with two purposes which ultimately have legal effects on those concerned. Firstly, it is performed for statistical and actuarial purposes to determine the risk and pricing of a potential customer’s policies. This assessment may also be performed during the term of the insurance contract in response to new personal circumstances of the customer or a change in the actuarial technical basis. Secondly, for designing and marketing insurance products with a view to assessing the customer’s profile so as to identify the most suitable type of insurance which best matches the characteristics and profile of the policyholder/insured.
• To offer the most suitable price based on your profile, the Insurer may consult insurance industry information systems and shared databases during the pre-contractual stage and at the time of policy renewal, to assess risks and adjust the premium. This process is carried out through an automated system that may analyse credit and/or sociodemographic data to assess your creditworthiness. You can consult additional information, the logic applied, and exercise your rights in the Additional Information.
• Centrally managing IT resources which may be shared by Zurich entities for internal administrative purposes or to ensure the security of information systems.

• Sending marketing messages
  Zurich may send you marketing messages and promotions in relation to products similar to those you have taken out in accordance with the regulation on electronic commercial communications and other applicable regulations for the fulfilment of legitimate interests of the controller (Art. 6(1)(f) GDPR). You may object to this processing by emailing protecciondedatos@zurich.com or in the “Unsubscribe” option at the bottom of the email.

• Answering enquiries and service quality
  In certain cases, we will process your data to answer queries, categorise your requests or measure the quality of the service. The processing operations listed below are necessary for the fulfilment of the legitimate interests of the controller (Art. 6(1)(f) GDPR). You may object to this processing by emailing protecciondedatos@zurich.com or writing to any of the addresses mentioned at the time of registration or provided by us in a specific promotion:
  - Surveying customers to assess their satisfaction with the care services provided and evaluate the calls as long as we have told them beforehand at the start of the conversation.
  - If you contact us with an enquiry or suggestion through the channels provided such as phone numbers, the form in the “Contact us” section of our website or by the means described in this contract, we will process your data for the purpose of handling and replying to the enquiries and suggestions made and to evaluate the service provided. To optimise the service, your request may be processed by automated decision-making while fully respecting the rights and freedoms of the data subject and giving you the chance to be attended to by a person.
  You can see more up-to-date information in the section “What does Zurich use personal data for?” in the Additional Information.

Recipients

When managing your insurance, in some cases we may share your data with third parties in order to handle your request (e.g. when you ask for a loss adjuster or repairer, when reinsurers or co-insurers are involved, for entering in shared insurance sector information systems or for payment at your bank). You can see further updated information under “What does Zurich use personal data for?” in the Additional Information.

Rights

Data protection regulations allow you to exercise your rights of access, rectification, objection, erasure (“right to be forgotten”), restriction of processing, portability and the right not to be subject to automated individualised decision-making. You can exercise your rights in relation to Zurich’s processing of your personal data directly by emailing protecciondedatos@zurich.com with details of your request and identification of the data subject. You can see further updated information and the address for submitting requests by post in the Additional Information.

Additional Information

You can see further details about Zurich’s processing operations together with additional and updated information on data protection at www.zurich.es/proteccion-datos.

II. Definitions

The following key words or phrases are shown in italics throughout the policy:

Accessories: All items that are installed in the factory or later on at an extra cost for the buyer, or which are part of an offer or gift from the dealer/manufacturer provided they are fixed and non-removable.

If no sum insured is specified for accessories, they will be insured at first loss up to €200 for motorcycles and €1,500 for cars with a limit of one claim per year. Consequently, the part of the premium used up must be replaced after a loss.

If higher sums are declared for accessories, the cover will be at full value. However, if there is a loss and the declared full value is lower than the accessories installed in the vehicle, the condition of average will be applied. Compensation for these items may not be greater than the vehicle’s market value except in case of “total loss” or “total write-off”. The value of the remains of the vehicle will remain the property of the insured and will be subtracted from the amount of compensation paid as a result of total loss.

C-segment compact car. Car with a maximum length of 4.30 metres and which does not have four-wheel drive.

Cyberattack. An unauthorised, malicious or criminal act or series of acts, at any time and in any place, or the threat or simulation of such acts involving access to, processing, use or operation of computer systems.

Cyber incident. Any error or omission or series of errors or omissions affecting access to, processing, use or operation of computer systems; or the unavailability or impossibility in whole or in part and on a single or repeated basis of accessing, processing, using or operating computer systems.

Cyber loss. Any damages, liability, claims, costs and expenses of any kind which directly or indirectly stem from, have been caused in whole or in part by or are related to a cyberattack or cyber incident, including by way of example but not limitation any measures taken to control, prevent, eliminate or remedy a cyberattack or cyber incident.

Driver. The person who, being legally qualified and also authorised by the insured, owner or possessor of the insured vehicle, is driving it or has it in their custody or under their responsibility at the time of the loss.

ECO vehicle. Electric or hybrid vehicle with a Zero or ECO fuel consumption sticker as classified by the DGT.

Excess. The expressly agreed amount or percentage which is deducted from any compensation paid by the insurer.

Extended market value. Value as new less 1% for each month since the date of first registration (regardless of the country where this was done). The resulting amount may not be less than current market value. The same rule applies to accessories.

Fire. Combustion and burning by flame that can spread of an object or objects which are not intended to be burned in the place and at the time it happens.

Insured vehicle. The one specified in the schedule of the policy. In the case of vehicle/trailer combinations separate insurance must be taken out for each of them. However, joint insurance of light caravans, trailers and semi-trailers with the main vehicle is accepted when their Maximum Authorised Mass (MAM) is less than or equal to 750 kg in the cases and for the covers provided for in these terms and conditions.

Insured. Unless otherwise expressly stated in any of the covers, the insured is the policyholder, the owner of the vehicle and the main or occasional driver.

Main driver. The first driver declared in the schedule of the policy and whose circumstances are a risk factor that may affect the premium.

Market value. Second-hand market sale price for trade professionals of a vehicle with the same specifications and age immediately prior to the occurrence of the loss, calculated using the values published by the National Association of Motor Vehicle Dealers, Repairers and Parts Suppliers (GANVAM) as a reference. The same rule applies to accessories.

The market value of vehicles for which no information is available from GANVAM due to their type will be determined by the loss adjuster technical report.

Motor home. Inhabitable vehicle (towed or self-propelled) fitted out for cooking and sleeping in.

Occasional driver. The second driver declared in the schedule of the policy and whose circumstances are a risk factor that may affect the premium.

Own damage. This means the cover that meets the cost of repair or compensation for material damage to the insured vehicle.

Personal belongings. Items included in the following list: glasses, camcorders, cameras, bags, wallets, smartphones or other mobiles, tablets, laptops and portable games.

Pets. Animals that live with people in the home, primarily for company.

Repair garage. Specialised establishment where qualified mechanics diagnose, repair and service vehicles to restore them to their normal condition and running order. They have the legally required licences for their work and use specific tools, machinery and equipment for car repairs.

Schedule. Contractual document showing the sums insured and covers of the insurance.

Special terms and conditions. Contractual document or clause that establishes a cover and/or sum insured for a risk or its scope. They will prevail over any other terms and conditions.

Suitable roads. Ordinary roads and non-ordinary roads where the tow truck can be driven.

Total loss/Total Write-off. Any repair that is greater than 75% of the market value of the damaged vehicle immediately prior to the occurrence of the loss.

Value as new. Retail price of the insured vehicle in Spain when new immediately prior to the loss, including any surcharges, discounts, promotions and taxes. In the event that the vehicle is no longer manufactured or does not appear in dealer catalogues or in the lists compiled by official bodies, the value as new of a vehicle of comparable specifications will be used.

III. General Considerations

1. SUBJECT MATTER OF THE INSURANCE

The insurer will provide the benefits set out in each cover in the policy for the risks arising from use of the insured vehicle specifically included in the policy schedule, which also shows the sums insured and covers. These benefits will be governed by these terms and conditions and also by any special terms and conditions which may be applicable.

2. TERRITORIAL LIMIT

The territorial limit for each of the covers is set out below:

• For Compulsory Liability, Voluntary Liability, Legal Expenses, Driver Accident, Glass, Theft, Own Damage and Total Loss, Fire and Damage due to weather events and collision with animals, the limit is the territory of the European Economic Area, states that are signatories to the Multilateral Guarantee Agreement and states that are signatories to the Uniform Agreement between Bureaux. The list of these states can be found in the International Insurance Certificate which the insurer provides to the policyholder.
• For risks coming under the Legal Protection included in the Legal Expenses cover, the territorial limit for representation is restricted to events and proceedings in Spain.
• For the Travel Assistance cover the territorial limit depends on whether it concerns risks for the vehicle or risks for people:
  – In the case of risks for the vehicle: the territorial limit is Spain, the rest of Europe and countries bordering the Mediterranean Sea.
  – In the case of risks for people: when on a journey the territorial limit is worldwide.
• For the Allowance for loss of driving licence and partial loss of points recovery course, the territorial limit is restricted to penalties initiated in Spain.
• For the Freight liability cover the territorial limit is the European Economic Area.
• For the Agricultural liability cover the territorial limit is Spain.

3. DAMAGE APPRAISAL

The insurer reserves the right to appraise damage in the covers taken out based on the cost of materials, parts or paint, the cost of labour for repair or replacement and Value Added Tax provided that the insured is not able to claim it back. The parties will agree on the amount and form of compensation and the insurer will pay the agreed sum or arrange to replace the insured object, and any replacement will use materials approved by the relevant organisations. Compensation for repair and replacement may not be greater than the vehicle’s market value.

IV. Covers

1. LIABILITY

1.1. Compulsory liability

The insurer covers the driver’s liability for injury to people and damage to property as a result of driving the vehicle shown in the schedule up to the legal limits for compulsory insurance.

In addition to the exclusions in section V ‘General Exclusions’, the following are not covered:

1. Bodily injury of the driver of the insured vehicle.
2. Damage to the insured vehicle, objects being carried in or on it and property belonging to the policyholder, insured, owner, driver or to their spouse or other relatives up to the third degree of kinship by blood or marriage.
3. Bodily injury and material damage caused by the vehicle if it has been stolen, in which case the Insurance Compensation Consortium will provide any compensation that may be payable. Theft means the actions defined as such in the criminal code.
4. Injury to people who are voluntarily in the stolen car and it is demonstrated that they are aware that the car has been stolen.
5. The insurer may not use any exclusion in the policy against an injured party other than those specified by law, and it may recover any amounts paid from the insured.
6. In the case of damage to property, the insurer will only be responsible vis-à-vis third parties when it is liable under Article 1902 and following of the Civil Code, Article 109 and following of the Criminal Code and the provisions of the Motor Vehicles Liability and Insurance Act.

1.2. Voluntary liability

The insurer covers payment up to the limit indicated in the policy schedule of any compensation which the insured and the authorised and legally qualified driver have to pay under the Motor Vehicles Liability and Insurance Act for their non-contractual liability for damage or injury to third parties as a result of traffic accidents when driving the vehicle specified in the policy. This cover will be for any compensation which exceeds the compulsory insurance cover set by law.

When the vehicle is a car for private use the following are covered:

1. Liability for damage or injury to third parties who are not occupants of the insured vehicle due to falling and/or slipping luggage, personal objects (bicycles, skis, etc.) and goods carried in or on the vehicle and in or on the trailer or caravan, if its MAM is less than or equal to 750 kg, including when loading and unloading and provided that the objects are carried in compliance with prevailing legislation. Damage or injury to people who are loading or unloading and any caused by toxic, flammable, explosive or corrosive materials is not covered.
2. Non-contractual liability for the actions of the occupants of the vehicle, provided they are authorised passengers carried free of charge, while they are in the insured vehicle or getting into or out of it.
3. Liability for the trailer or caravan as long as its MAM is less than or equal to 750 kg.
4. Liability arising from damage or injury caused to a third party in traffic accidents by a minor child of the policyholder, owner or driver named in the schedule up to a limit of €120,000.
5. The policyholder’s voluntary liability when occasionally driving a third-party vehicle, a car or van with a MAM less than or equal to 3,500 kg, provided it does not have compulsory liability cover and the policyholder is not aware of this.

People who do not count as third parties for the voluntary liability cover

1. People whose liability is covered by this policy.
2. The spouse, forebears or descendants of the people indicated in the previous point.
3. People who are not spouses, forebears or descendants of the people whose liability is covered by this policy but are related to them up the third degree of kinship by blood or marriage.
4. When the policyholder or the owner is a legal entity, its legitimate representatives and the spouse and members of the families of these representatives who are related to them in any of the ways set out in points b) and c).
5. The employees or salaried staff of the people whose liability is covered by this policy in accidents recognised as being accidents at work.

1.3. Risks not covered

In addition to the exclusions in section V ‘General Exclusions’, the following are not covered:

1. Liability for damage to the insured vehicle or to things carried in or on it.
2. Contractual liability.
3. Liability for damage or injury to people being carried when the vehicle is not officially authorised to carry people except when fulfilling the duty to render aid or when absolutely essential.
4. Costs for legal representation of the insured or the driver in criminal proceedings before the courts or the authorities unless otherwise agreed.
5. Paying fines or penalties imposed by the courts or the authorities and the consequences of failure to pay such fines or penalties.
6. Damage or injury not due to falling and/or slipping of objects carried in or on the vehicle for which the insured or a person or a person in their charge is liable, without prejudice to the provisions of paragraph 1.2.

1.4. Liability for agricultural work

If this cover has been taken out in the schedule, the insurer covers any compensation, bail bonds and/or criminal legal expenses of the driver which the insured or the authorised and legally qualified driver have to pay up to €30,000 when under Article 1902 and following of the Civil Code or Article 109 and following of the Criminal Code they are found liable for damage or injury to third parties arising from agricultural work with crops or livestock carried out with the insured vehicle.

2. DRIVER ACCIDENT

The Driver Accident cover can be taken out in either of the following two ways:
· Essential option
· Extended option

Based on the option taken out this cover includes payment of the compensation specified in the terms and conditions and the schedule for bodily injury to the authorised and legally qualified driver as a result of a traffic accident while they are in the insured vehicle or getting into or out of it which leads to their death, permanent disability or healthcare costs.

The Essential option covers are shown in the schedule and are described below. The Extended option covers in section 2.4 can be added to them if they are taken out in the schedule.

Both the Essential and the Extended options include a maximum benefit of €3,000 to meet the costs of adapting the vehicle in the event of permanent disability.

2.1 Death cover

If the insured driver dies as a result of an accident covered by this policy, the insurer will pay the beneficiaries the sum shown in the policy schedule within five days from the date on which they submit documents in proof of death, their status as beneficiaries and payment of any relevant taxes. If any benefits have been paid to the insured for permanent disability prior to their death, the amount of these benefits will be subtracted from the death benefit.

The insurer will also advance 50% of the benefit up to at most €6,000 if the insured dies in order to pay for any administrative and tax expenses their death involves.

2.2 Permanent disability cover

If it is the consequence of an accident covered by the policy, the insurer will pay the resulting compensation based on the following rules:

TOTAL permanent disability:

Total permanent disability means when the loss (taken to be permanent) of the insured’s functional capacity according to the assessment table in this cover reaches or exceeds 100% and provided that it is recognised by a final decision of the INSS (National Institute of Social Security).

PARTIAL permanent disability:

Partial permanent disability means when the loss (taken to be permanent) of the insured’s functional capacity according to the assessment table in this cover does not reach or exceed 100% and provided that it is recognised by a final decision of the INSS (National Institute of Social Security).

In the case of partial permanent disability, the degree of disability resulting from irreversible side-effects will be determined on the basis of the following list of side-effects:

If the insured is left-handed, this scale will be reversed as applicable.

When the loss or loss of use is only partial, the degree of disability is set by reducing the above appraisals in proportion. The total compensation payable for a number of losses or losses of use of limbs caused by the same accident is calculated by adding together the degrees of disability for each one, although the total degree of disability thus calculated may not exceed 100%. Only pure functional impairment will be assessed without considering any cosmetic damage or osteosynthesis material or pain. If there is more than one percentage derived from different injuries, they will be added together following the table of combined values as per the AMA tables shown in Royal Decree 888/2022 of 18 October.

Decisions made by official Social Security authorities or courts in the form of a judgement will not determine the compensation to be paid by the insurer as the permanent injuries will in all cases be assessed in accordance with the scale laid down in these terms and conditions.

The degree of disability resulting from an accident will not be increased by any physical defects the insured may have had prior to the accident in limbs or organs which have not been affected by it.

If an organ or limb affected by an accident already had a physical or functional defect prior to the accident, the insured is entitled to compensation for the difference between the pre-existing degree of disability and the degree of disability after the accident.

The insurer will give the insured written notification of the amount of compensation to which they are entitled exclusively in accordance with the degree of disability and the scales set in the policy. If the insured does not accept the insurer’s proposal concerning the degree of disability, the parties agree to accept the decision of medical adjusters as specified by law.

If the insured dies after their disability has been established and as a result of the same accident, any amounts paid by the insurer will be deemed to be on account against the sum insured for death which will be paid in accordance with this cover.

You will be covered up to the maximum amount per policy year shown in the schedule. The compensation payable by the insurer will be the amount resulting from applying the degree of disability percentage for the type of injury to the sum insured agreed in the schedule.

2.3. Medical and pharmaceutical care cover

For the purposes of this cover healthcare costs means ones arising from medical and hospital care, medical transport required for treatment, the implant of internal prostheses, and the cost of pharmaceuticals and plastic surgery to repair functional alterations: cosmetic surgery is not covered.

In the event of an accident included in this cover, the insurer agrees to pay the medical, pharmaceutical and hospital care costs for healthcare received at any hospital in the country in which the insured has their habitual place of residence or in the country where the accident occurs, up to the limits shown in the schedule and provided that these costs are incurred within one year from when the incident takes place.

2.5. Risks not covered

In addition to the exclusions in section V ‘General Exclusions’, the following are not covered:

1. Accidents intentionally caused by the insured driver.
2. Accidents which are covered by the Insurance Compensation Consortium under its regulations.
3. Injury to anyone driving without the authorisation of the policyholder or the owner.
4. Illnesses and their consequences which are not caused by an accident, dizzy spells, fainting or passing out, strokes, epilepsy or epileptiform of any kind, ruptured aneurisms, any bodily injury related to these conditions or others and their manifestations.
5. Heat stroke, frostbite and other effects of atmospheric temperatures except when they result from an accident covered by the policy.
6. No compensation of any sort will be paid for the psychological consequences of the accident.

3. TRAVEL ASSISTANCE

All the benefits covered by this section will be arranged by the insurer. You must phone the 24-hour helpline number given to you when you took out your insurance in order to use them.

The Travel Assistance cover can be taken out in any of the following ways:
· Essential Assistance
· Extended Assistance
· Plus Assistance

4. GLASS

The insurer covers the cost of replacing or repairing and fitting the vehicle’s glass if it is broken and at its market price including any of its accessories

Glass exclusively means the windscreen, rear window, side windows, tinted glass, and sunroofs and panoramic roofs fitted as standard or declared as accessories.

5. THEFT

The insurer covers compensation for damage to the insured vehicle provided that it is caused by unlawful taking away by third parties against the will of the owner, insured or driver. The sum insured is the vehicle’s value as new plus its accessories.

6. VEHICLE FIRE

Expressly included in the fire cover is:
Damage to the insured vehicle due to fire or explosion, whatever its cause may be and including to the electrical system and appliances and its accessories and charging cables (original and replacement) in electric/hybrid cars and motorbikes as a result of a short-circuit and self-combustion even when there is no fire and provided the damage is caused by the effects of electricity. Cover is limited to 1 claim per year and up to at most €200.

7. TOTAL LOSS OF THE VEHICLE

The insurer will cover damage to the insured vehicle as a result of an accident produced by an external, violent and instantaneous cause beyond the insured’s control when the vehicle is being driven, is parked or is being transported.

8. VEHICLE OWN DAMAGE

The insurer will cover damage to the insured vehicle as a result of an accident produced by an external, violent and instantaneous cause beyond the insured’s control when the vehicle is being driven, is parked or is being transported.

9. ALLOWANCE FOR LOSS OF DRIVING LICENCE AND PARTIAL LOSS OF POINTS RECOVERY COURSE.

For the purposes of this cover the insured is the main driver of the insured vehicle shown in the policy schedule.

10. DAMAGE DUE TO WEATHER EVENTS AND COLLISION WITH ANIMALS

The insurer will cover direct material damage to the insured vehicle as a result of: Hail or snow, Flooding, Own damage due to running over animals.

11. FREIGHT LIABILITY

The insurer covers the insured’s legal liability to compensate other people up to the limits shown in the schedule for damages as a direct result of damage or injury caused by carried goods, including loading and unloading and except in the case of toxic, flammable, explosive or corrosive materials or damage caused by road traffic incidents.

V. General exclusions

Risks not covered unless otherwise agreed, and risks not covered under any circumstances.

VI. Regulations

Conditions applied to premium payment, lifetime of the policy, and consequences of failure to pay the premium.

VII. Insurance Compensation Consortium

Clause for indemnification by the insurance compensation consortium for losses arising from extraordinary events occurring in Spain in insurance for material damage. For more information you can visit www.consorseguros.es.

VIII. Legal expenses insurance

The Legal Expenses cover can be taken out in either of the following two ways: Essential option or Extended option. The insurer covers the insured’s legal assistance and representation expenses in any legal, administrative or out-of-court proceedings due to a traffic accident in which the insured vehicle is involved.