Damage to people and/or items caused by the driver due to the use and circulation of the insured vehicle 

Damage caused to third parties as a result of personal effects transported inside the vehicle or on the luggage rack

Damage caused to third parties during the loading and unloading of the insured vehicle, when the insured party themselves has loaded and unloaded the vehicle 

Damage caused to third parties as a result of trailers or caravans, provided that their total weight does not exceed 750 kg and they are attached to the insured vehicle at the time of the accident

Damage caused to third parties by the policyholder as a cyclist or pedestrian

Damage not caused by a road traffic accident

Material damage and personal injury as a result of the circulation of the insured vehicle if it is stolen 

Damage to the insured vehicle and damage to transported items or other property 

Damage caused by the policyholder as the driver of a personal mobility vehicle or a bicycle with assisted pedals, for professional or competition use

The expenses of repairing or substituting front windscreens, back windscreens, side windows and/or sunroofs of the insured vehicle in the event of their full or partial breakage

The cost of tinting or serigraphing the windscreen if the repaired windscreen was tinted or serigraphed

Damage to headlights, pilot lights, indicators, mirrors or any other type of glass object in the vehicle 

Partial or total material damage repair or replacement costs suffered by the insured vehicle as a result of a direct collision with another identified motor vehicle, for which the insured vehicle is liable

Damage caused to the insured vehicle when the existence of a direct collision with one or more identified motor vehicles is not accredited 

Partial or total damage suffered by the insured vehicle due to combustion or scolding with flames, or an explosion or lightening 

Damage to standard or optional vehicle accessories 

Extinction expenses and measures to prevent a fire from spreading, including those relating to the intervention of the Fire Service

Damage caused to luggage and personal effects up to the limits stipulated in the Specific Terms and Conditions

Mechanical breakdowns as a result of the freezing of water in the refrigeration circuit or the lack of water, oil or similar liquids, as well as damage suffered by the vehicle on being driven in said conditions

Expenses of repairing or replacing partial or total material damage, and the loss of the vehicle, as a result of unlawful theft or attempted theft

Total theft of the insured vehicle or recovery of the stolen vehicle in a written-off state

Theft of components that constitute fixed parts of the vehicle

The theft of luggage and personal effects up to the limits stipulated in the Specific Terms and Conditions

Unlawful removals not reported to the competent authorities 

Personal audio, video, telephonic, photographic and information processing or storage devices 

Expenses of repairing or replacing partial or total material damage suffered by the insured vehicle as a result of an accident 

Malicious acts committed by third parties 

Transportation of the vehicle by other means, via road, sea or air 

Falling of objects, trees, posts, electricity lines or services

Falling of the vehicle into water courses, lakes or seas

Impact on people, animals or things

Damage to standard or optional vehicle accessories 

Damage caused to luggage and personal effects up to the limits stipulated in the Specific Terms and Conditions

Mechanical breakdowns as a result of the freezing of water in the refrigeration circuit or the lack of water, oil or similar liquids, as well as damage suffered by the vehicle on being driven in said conditions

Material damage caused to the vehicle and its accessories when this damage is the result of a collision involving hunting animals (for example, wild boar, roe deer, etc.) or domestic animals

Exclusions common to all the coverage included in Chapter X of these General Terms and Conditions

Material damage caused to the vehicle and its accessories, when this damage is the result of atmospheric phenomena, consisting of hailstone, hail, snow, wind, rain, wind and impacts of objects projected thereby 

Damage that may be caused to the insured vehicle as a result of a road accident caused by hailstone, hail, snow or rain

Claims covered by the Insurance Compensation Consortium 

On-site technical assistance from kilometre 0 

Fuel supply 

Towing of the vehicle to a workshop up to 150 kilometres from the policyholder’s home 

Towing of the vehicle off ordinary roads 

Obtainment and dispatch of duplicate keys 

Tyre replacement in the event of a puncture, theft or vandalism 

In order to request the travel assistance service, the insured party must call  900 301 900

Services not requested from us or that have been provided without our consent, except in the event of force majeure 

Cost of spare parts, fuel or tyres

Personal injury suffered by the driver authorised as a result of a driving event 

Death

Permanent disability 

Curation expenses

Exclusions common to all the coverage included in Chapter X of these General Terms and Conditions

Expenses that may be incurred by the insured party as a result of their involvement in an administrative, judicial or arbitration proceeding

Lawyers' fees and expenses within the limit stipulated in the Specific Terms and Conditions

Legal assistance by telephone

Material damage and bodily injury claims

Damage caused to the insured vehicle as a result of non-driving events

Claims relating to defective vehicle repairs 

The amount of the indemnity payments, fines or penalties imposed upon the insured party

Taxes and other fiscal payments

Defence in administrative traffic violations through administrative channels

Refund of enrolment costs for road awareness courses

The amount of the indemnity payments, fines or penalties imposed upon the insured party

Taxes and other tax payments incurred to submit public or private documents to official bodies

In the event of theft, attempted theft, fire and immobilisation due to an accident or breakdown of class D vehicles 

To obtain a replacement vehicle, it is essential to request such service by calling 900 301 900

Repair costs of the insured vehicle 

The theft of luggage and personal effects up to the limits stipulated in the Specific Terms and Conditions per claim

Electronic equipment for personal use, including audio, video, telephonic, photographic and information processing or storage devices

Electrical appliances used in household tasks such as Hoovers, televisions, fridges and other similar devices for domestic use

Verification of levels and visual inspection of certain vehicle safety items, such as seat belts or lighting

The substitution of consumables, such as burnt-out light bulbs or windscreen wipers that are broken

The installation of accessories, such as ski racks, roof racks or transportation bars

The setting up of electronic devices, such as the Bluetooth connection or the GPS system

The cost of the materials or parts that have had to be substituted, such as windscreen wiper blades or headlights

On-site technical assistance from kilometre 0 

Fuel supply 

Towing of the vehicle to a workshop with unlimited kilometres in Spain, France, Andorra and Portugal 

Towing of the vehicle off ordinary roads 

Obtainment and dispatch of duplicate keys 

Tyre replacement in the event of a puncture, theft or vandalism

In order to request the travel assistance service, the insured party must call  900 301 900

Services not requested from us or that have been provided without our consent, except in the event of force majeure 

Cost of spare parts, fuel or tyres

Compensation for the cost of duplicate keys in the event of theft

Exclusions common to all the coverage included in Chapter X of these General Terms and Conditions

Loading and unloading of goods on and off the insured vehicle

Transportation of goods in the insured vehicle 

Damage caused to things or merchandise transported or deposited for any purpose in the insured vehicle

Damage caused to the carriageway, ground or road surface due to the excess weight of the merchandise transported

The payment of indemnity to the insured party, as economic compensation for the immobilisation of the insured vehicle during the repair of the damage caused as a result of the claims protected by any of the coverage arranged 

When the repair is due to a mechanical failure

When the parts or components affected by the claim are repaired or substituted by SegurCaixa Adeslas’s network of authorised workshops

In the case of the removal of a driving licence due to the loss of the points allocated, we will pay the insured party a monthly subsidy for a maximum duration of six months. The amount of such subsidy will be indicated in the Specific Terms and Conditions for said protection

When a driver receives a criminal sentence for drink driving and/or for driving under the influence of alcoholic beverages or toxic or narcotic drugs, or refuses to take the relevant tests established to detect the presence of drugs or alcohol

When the sentences imposed are the consequence of fraudulent events or traffic safety offences