Car Insurance Tailored to You
Advantages of this Car Insurance
Replacement Car
Tow Truck in Under 1 Hour
Personalized Insurance
Choose Your Workshop
ON-OFF
What do our Car Insurance policies cover?
Below you can see the coverage options for the four levels of protection offered by ABANCA Car Insurance. If you wish, we can explain each of them in more detail so you can understand exactly what you are signing up for. This way, you’ll know about and be able to enjoy all your benefits for being with ABANCA.
Basic Third Party
- Compulsory civil liability
- Voluntary civil liability
- Driver protection
- Legal defense and claims for damages
- Assistance
Third Party with Glass
- Compulsory civil liability
- Voluntary civil liability
- Driver protection
- Legal defense and claims for damages
- Assistance with replacement vehicle
- Glass
Extended Third Party
- Compulsory civil liability
- Voluntary civil liability
- Driver protection
- Legal defense and claims for damages
- Assistance with replacement vehicle
- Glass
- Vehicle theft
- Vehicle fire
- Material damage caused by collision with wild or domestic animals
Comprehensive
- Compulsory civil liability
- Voluntary civil liability
- Driver protection
- Legal defense and claims for damages
- Assistance with replacement vehicle
- Glass
- Vehicle theft
- Vehicle fire
- Material damage caused by collision with wild or domestic animals
- Own damage
Get €30 if you take out your insurance now
Because your peace of mind and that of your loved ones comes first. If you became a customer in 2025 or 2026 and take out your ABANCA Car Insurance with Flat Rate Insurance before 31 de diciembre de 2026, you not only gain security, you also get €30 directly into your account, to spend on whatever you want!
Need more? You're in charge! These are our optional packages
PREMIUM ASSISTANCE
If you drive a lot of kilometers with your car, this coverage expands the Assistance benefits, including higher limits and additional services.
PREMIUM LEGAL DEFENSE
This coverage expands the Legal Defense benefits, including legal and financial support that protects you in situations that may occur.
NEW VALUE +
During the first 5 years, we compensate the total loss of the vehicle with the amount you paid when purchasing your car.
DRIVER PROTECTION +
You will have a higher amount in Driver Protection coverage: €60,000 in case of death and up to €60,000 for permanent disability due to an accident.
COMPENSATION +
In the event of a total loss of your vehicle, you will receive 20% more than its market value.
Turn your insurance coverages on and off
You can turn some of the supplementary coverages on and off from your ABANCA app, anywhere in the world, so you have them available only when you really need them. But which coverages can you activate and deactivate with the ON-OFF mode?
- Travel safe: this coverage extends the benefits of the contracted assistance, including higher limits, as well as adding extra services and coverages related to luggage. The coverage also includes trips you make in vehicles other than the one you have insured with ABANCA.
Learn more. - Your pets: protects your pet when you travel with them and ensures their well-being.
Everything You Need to Know About Your Car Insurance
We explain all the details about your coverage so you can understand them, know your level of peace of mind, and see how they could help you. We also give you tips for responsible driving and answer questions from other people like you. You'll find it very useful!
Pay your insurance month by month
You can pay your insurance on a monthly basis through the Flat Rate Insurance. This service allows you to split the payment of your insurance policies marketed by ABANCA with no interest or fees (NIR 0%, APR 0%). In the case of ON-OFF coverage packages, it is mandatory to pay in this way.
Additionally, you can get up to a 7% bonus by including as many types as possible from different families in your Flat Rate Insurance: life, auto, health, home, funeral, and accident insurance. Start saving! With 3 types you get a 3% bonus, with 4 types a 5% bonus, and if you group 5 or more types you get a 7% bonus.
Here is a representative example for the payment of insurance policies included in your Flat Rate Insurance, not taking the bonus into account. Suppose the annual premium amount for all insurance policies included in the account is €1,500; the amount you would have to pay in each of the twelve monthly installments would be €125. Therefore, the total amount owed would be €1,500. No fees, NIR 0%, APR 0%.
The replacement vehicle is included in all ABANCA Car Insurance plans, except for the Essential plan.
It will be necessary to verify the condition of the vehicle when ABANCA Seguros Generales requires it in the plans that include own damage coverage.
Broker: ABANCA MEDIACIÓN, OPERADOR DE BANCA SEGUROS VINCULADO S.L., a tied bancassurance operator, with registered office at Avenida de la Marina 1, 4th floor, A Coruña, and with CIF B-70049630, registered in the Commercial Registry of A Coruña, Volume 3092, Page 73, Sheet C-38698, and in the Special Administrative Register of Insurance Brokers of the Directorate General of Insurance and Pension Funds with number OV-0044. With Civil Liability Insurance and Financial Capacity as required by current insurance distribution regulations. Check the insurers with which the broker has an agency agreement.
Insurer: ABANCA GENERALES DE SEGUROS Y REASEGUROS, S.A., with CIF A-14715270, registered in the Commercial Registry of A Coruña, Sheet C-47133, Volume 3407, and Page 9, with registered office at Avda. Linares Rivas, 30 - 3, A Coruña, 15005, A Coruña, with registration number C0808 in the administrative register of insurance and reinsurance entities of the DGSFP.
Distributor: ABANCA Corporación Bancaria, S.A.
About the Flat Rate Insurance. The discount will be up to 7% for insurance policies exclusively marketed by ABANCA belonging to the following types: life risk, home, health, funeral, accident, and auto. The discount depends on the number of insurance types contracted. Insurance policies linked to active operations formalized with ABANCA or payment protection insurance will not be eligible for the discount. Check the general conditions of the Flat Rate Insurance.
Promotion details Promotion valid for contracts made between January 1 and 31 de diciembre de 2026. Acceptance of a deposit into the account associated with the Flat Rate Insurance for a total net amount of €30 for all new clients registered in 2025 and 2026 who take out a new insurance policy in the following types: standalone Home, Health, Car, standalone Life risk, periodic premium Funeral, Accident, and Business Insurance, and direct debit it to the Flat Rate Insurance. The policyholder must be a natural person, resident in Spain, and the gross premium for the first year of the new insurance policy must be at least €100 to qualify for the promotion. The deposit into the account by ABANCA Seguros constitutes investment income subject to the recipient's Personal Income Tax (IRPF); such income is subject, where applicable, to the corresponding withholding obligation by the payer. Request the promotion at any of our 700 branches.
Do you have questions? We have answers
Questions
En realidad, muy poca. Solo te solicitamos tu DNI, el carnet de conducir de los conductores (tanto del tomador como del propietario), el permiso de circulación del coche y su ficha técnica.
Hemos creado desde cero un seguro para tu coche con nuestra compañía propia ABANCA Seguros Generales. Se trata de un seguro 100% ABANCA que te conoce, te asesora y está siempre a tu lado. Además de las ventajas y coberturas principales, podrás incluir en tu seguro paquetes opcionales, así como coberturas ON-OFF que podrás encender y apagar desde tu app de ABANCA para que las tengas disponibles sólo cuando realmente las necesites.
De momento las motos no están cubiertas a través de nuestro seguro de Coche de ABANCA Seguros Generales, pero en estos casos trabajamos con la compañía Caser, que te proporcionará el seguro que necesias para tu moto. Acércate a tu oficina ABANCA más cercana o llámanos para que te ayudemos a encontrar el seguro que necesitas
La verificación es el dictamen profesional y objetivo del estado de un vehículo, una avería o un daño, en base a los resultados de la revisión de un perito.
Este proceso se realizará mediante videollamada, en el caso excepcional de que no puedas utilizar este canal, podrás solicitar la verificación presencial del vehículo en el momento de marcar la cita con el perito.
La verificación se realizará a todos los vehículos que contraten un seguro de Todo Riesgo con o sin franquicia, a excepción de los vehículos nuevos que tengan una fecha de primera matriculación menor o igual a 14 días en el momento en el que entra en efecto el seguro.
En el caso de que realices un aumento de modalidad o un cambio de vehículo a la modalidad de Todo Riesgo (con o sin franquicia), también será necesario realizar la verificación del vehículo.
La compañía CED se encargará de ponerse en contacto contigo para marcar una cita en la que realizar la verificación de tu vehículo.
El periodo de verificación será de 10 días naturales, por ese motivo, CED contactará contigo 10 días antes de que entre en efecto el seguro para que la revisión del vehículo esté finalizada en el momento de dicha fecha de efecto.
En el caso de que el seguro entre en efecto el propio día de la contratación o en los 10 días siguientes a la contratación, CED se pondrá en contacto contigo lo antes posible para agilizar el proceso,
El seguro se contrata y activa de forma natural independientemente del proceso de verificación pero, mientras no se realice, la cobertura de daños propios no estará activada, de acuerdo a lo establecido en las condiciones de la póliza.
Sí, en aquellos casos en los que el perito identifique daños en el vehículo superiores a la franquicia contratada se cambiará de forma automática la modalidad. En función de los daños identificados, pasará a Todo Riesgo con franquicia submodalidad de 200, 300 o 400 euros, o la modalidad de Terceros Ampliado. En este supuesto, se notificará en el buzón de la banca móvil, además del envío por correo postal certificado.
En caso de no estar conforme con el cambio, el tomador dispondrá de un plazo máximo de 10 días naturales desde la comunicación de la nueva modalidad para cancelarlo.