- What options are available with this insurance?
- What coverage can I get?
- What documents do I need in order to take out a policy?
- What does the mandatory insurance cover?
- In the event of a claim, what should I do?
- What does the Legal Defence option cover?
What options are available with this insurance?
Unión Cars offers four basic options: minimum, basic, basic extra and plus. You can also personalise this insurance by combining the coverage options that best suit your individual needs with the "Made to Measure" option (as pictured).
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What coverage can I get?
Basic coverage:
- Voluntary civil liability coverage limited to 50,000,000 €
- Defence and claims for material and personal damages, which includes Legal Assistance by Telephone and Service to Detainees.
- Passengers.
- Roadside assistance from Km 0.
- Windows and windscreens.
- Penalty points system.
Optional coverage:
- Theft, including accessories.
- Fire.
- Courtesy car in the event of accident, breakdown or both.
- Damages to your own vehicle with or without excess and with various options such as write-off or damages by collision.
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What documents do I need in order to take out a policy?
In order to verify that the details given are correct, the documents required to take out a Unión Cars policy are: vehicle specifications, driver's licence, ITV (Spanish MOT certificate) and personal identification (DNI).
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What does the mandatory insurance cover?
In accordance with Article 1 of the general conditions of the Mandatory Civil Liability Insurance, the scope of coverage is as follows:
"With this coverage, the Insurance Company assumes the legal obligation of the motor vehicle driver established in the individual conditions of this policy, up to the quantitative limits stipulated by law or current legislation, to indemnify damages caused to persons or property as a consequence of road traffic incidents in which said vehicle is involved.
In the event of damages to persons, the Insurance Company will be exempt from the obligation to indemnify if the damages are proven to be due solely to the conduct or negligence of the injured party or to force majeure unrelated to the driving or functioning of the vehicle. Vehicle defects or the breakage or failure of any of its parts or mechanisms are not deemed cases of force majeure.
In the event of damages to property, the Insurance Company guarantees, within the aforementioned limits, the indemnification for which the driver is responsible before third parties when the driver is found civilly liable in accordance with the provisions of articles 1902 and following the Spanish Civil Code, article 19 of the Spanish Penal Code, and the provisions of Spain's Law Regarding Civil Liability and Insurance in the Circulation of Motor Vehicles.».
The rights and obligations derived from this coverage are governed by the Law Regarding Civil Liability and Insurance in the Circulation of Motor Vehicles and by the three regulations that develop, modify or complement it. Any aspects not covered by these laws and regulations are governed by Spain's Insurance Contract Law and by the General and Particular Conditions of the policy."
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In the event of a claim, what should I do?
In the event of a claim, you should contact your nearest broker. You can also call (+34) 902 377 378.
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What does the Legal Defence option cover?
This option covers:
- Legal expenses and the posting of bail in criminal cases.
- Claims for damages.
- Defence for administrative traffic offences.
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