Copilot
Everything About Your Car Insurance

Compulsory Civil Liability is the minimum coverage required by law that every motor vehicle must have in order to circulate on public roads.

Its purpose is to protect you against claims for injuries and material damage caused to third parties in the event of an accident for which you are responsible.

By having this coverage, you ensure that the injured third party receives their compensation and that you can cover this expense without jeopardizing your financial stability.

Voluntary Civil Liability is an extension of the legal limits of Compulsory Civil Liability to cover damages that exceed the maximum amount imposed by law for third-party expenses in the event of an accident.

We will take care of a higher compensation without you having to assume the difference when it is your responsibility.

We help you with financial compensation if you suffer physical injuries as a result of a collision while driving for which you are responsible, even if the vehicle is not in motion.

We also protect you in the event that you suffer a disability as a result of an accident, and we protect your loved ones in the event of your death.

If you face certain legal issues, we protect you by defending your interests at all times and also covering possible expenses:

• Criminal defense for traffic accidents
• Assistance to detainees and bail
• Claims for bodily injury
• Claims for material damage
• Insolvency of the responsible third party
• Management of administrative traffic violations
• Claims for breach of contract
• Telephone legal assistance
• Fine alerts

Here are the assistance coverages you will have with your ABANCA Car Insurance:

• Assistance for people: medical assistance, repatriation expenses, extended hotel stay expenses, presence of a family member, reimbursement of medical expenses abroad, delivery of medicines, and assistance in case of death.
• Assistance for companions: return of companions in case of repatriation, provision of a replacement driver, and coverage for loss or theft of luggage.
• Vehicle assistance: mechanical assistance, towing or transport of the vehicle, delivery of spare parts, delivery of duplicate keys, transport of the vehicle to your home, custody expenses, vehicle recovery, wheel replacement, and fuel delivery.
• Assistance for passengers in case of breakdown, accident, or theft: return of passengers, accommodation expenses in case the vehicle is immobilized…
• Other assistance services: assistance with legal procedures abroad or advance of funds during trips abroad, among others.
• Replacement vehicle: we will provide you with a replacement car when you need it so your daily life is not disrupted. This coverage is not included in the Essential plan.

Windows

In the event of breakage of the vehicle's windows that separate the occupants from the outside, we will repair or replace them as appropriate.

Fire

We will cover the cost of repairing or replacing total or partial material damage that the insured vehicle and its accessories may suffer due to combustion, burning with flame, explosion, or lightning strike, provided this coverage is contracted.

Theft

You will be protected against damage to the insured vehicle in the event of theft (unlawful appropriation with force) or burglary (illegal removal without force).

This coverage also includes protection against damage caused to your car in the event of an attempted theft, for example, if a thief tries to force your car lock but eventually gives up, leaving the lock unusable. This coverage will cover the repair costs.

Sometimes, while driving, you may hit a domestic animal or game species such as wild boars, deer, or birds.

You will be covered for your own damages resulting from a collision with game animals and domestic animals, provided there is a police report confirming it or there is clear evidence in the assessment prior to vehicle repair.

In the case of domestic animals, it is necessary that the insured vehicle's driver is not responsible for the accident.

With this coverage, you will be protected against material damage caused to the insured vehicle as a result of an accident.

Thanks to premium assistance, you can expand the Assistance benefits, which include higher limits and additional services to protect you and those around you.

Additionally, you will have the Auto Handyman service, coverage for vehicle transfer to the MOT or for its regular maintenance, taxi service if the driver is unavailable, or specific assistance for people in the event of a traffic accident.

This coverage expands the Legal Defense benefits, including additional services that protect you in case of license suspension, allowing you to access subsidies and point recovery courses, as well as managing appeals for incorrect point deductions.

By contracting this coverage, in the event of a total loss, we will pay you the market value increased by 20%.

By contracting this coverage, in the event of a total loss, we will pay you 100% of the new value during the first five years.

By contracting this extension, you will have a higher amount in the Driver Protection coverage, which includes death by accident or permanent disability.

This coverage extends the benefits of the contracted assistance, including higher limits, as well as adding additional services and coverages regarding luggage.

In case of luggage delay, we can reimburse you a certain amount to cover small expenses for essential personal items. If the situation is one of loss, theft, or damage caused by a transport company, we can provide you with financial compensation.

This coverage also includes trips made by the insured without the insured vehicle.

We protect your pet during trips made with the insured, provided the distance is greater than 100 kilometers from their home.

We define a pet exclusively as a dog or cat over three months old. In addition, this coverage only applies to trips lasting less than three months.

What does it cover?

• Death of the pet due to an accident with the vehicle up to €300.
• Veterinary expenses for the pet over three months and under nine years old per trip in the insured vehicle up to €300.
• Pet accommodation expenses due to the insured's hospitalization up to €500.
• Pet care expenses due to the insured's repatriation: one month.
• Repatriation or transport of the insured's pet up to €1,000.
• Early return due to the death of the insured's pet.

Our insurance is also designed for new forms of urban mobility. If you regularly use a bicycle or electric scooter, this coverage is for you:

• Civil liability for you and your children when riding a bicycle or scooter.
• Legal defense: claim processing, disagreement in claim processing, choice of lawyer and solicitor, payment of fees, etc.
• Claim for material damages caused to a PMV, bicycle, or privately used scooter, provided the vehicle does not require mandatory civil liability insurance.
• Claim for bodily injuries, again, suffered while driving a PMV, bicycle, or privately used scooter, provided the vehicle does not require mandatory civil liability insurance.
• Criminal defense and criminal bonds
• Permanent disability or death due to accident

In addition to the policyholder, the same consideration will be given to their spouse, first-degree descendants, and ascendants, as long as they live at the same address and are dependent on the policyholder.

A natural person authorized to travel in the insured vehicle together with any of the aforementioned individuals will also be considered insured, provided that the legally authorized number of seats for the vehicle is not exceeded.

The scope of protection for all coverages, except for Roadside Assistance and Legal Defense and Claims for Damages, will be:

• Spain
• States subject to the rules of Section Three of the General Regulations of the Council of National Bureaux (Multilateral Guarantee Agreement): European Union, Switzerland (Liechtenstein), Iceland, Norway, Andorra, Croatia, and Serbia
• States subject to the rules of Section Two of the General Regulations of the Council of National Bureaux (Inter-Bureaux Agreement), for which it will be necessary to carry the International Insurance Certificate (Green Card)

The coverages for Criminal defense for traffic accidents, Assistance to the detained, Bail, Claims for bodily injury, Claims for material damage, and Insolvency will apply to motorcycles and private cars throughout the national territory and the rest of Europe. However, the coverages for Legal defense and claims for damages will only apply within Spanish territory.

The Assistance coverages will only apply in the case of trips lasting less than three months.

The policyholder, the insured, or the beneficiary must notify ABANCA Seguros Generales of the occurrence of a claim within a maximum period of seven days from the time they become aware of it.

ABANCA Seguros Generales will consider that there is a claim for each damage or group of damages identified as accidents or different claims, according to the verification and expert assessment procedures.

In general, the contract has an annual duration and will be tacitly renewed for one more year and so on, unless either party has requested its termination. Both parties may oppose the renewal of the contract by written notification to the other party, made at least two months in advance for ABANCA Seguros Generales, and one month in advance for the policyholder.

The total loss of the insured vehicle as a result of damage, fire, or theft will result in the termination of the insured risk, so that the unused premiums will remain with ABANCA Seguros Generales, which may deduct the amount corresponding to any outstanding compensation for total loss.

You can pause and activate the protection of certain coverages of the ABANCA Car Insurance during the term of the contract, through the ABANCA mobile banking app or by visiting any ABANCA branch.

The coverage will be considered active when the policyholder activates the ON mode. Similarly, the policyholder may deactivate the coverages on demand by switching from ON mode to OFF mode.

If the insurance coverages are deactivated, the guaranteed coverages in the contract will be suspended at 00:00 (GMT/UTC +1 HOUR MADRID) on the last day of the month in which the deactivation is requested, so that claims occurring from that moment will not be covered.