2. Liability derived from driving the insured vehicle
Type B: Voluntary liability insurance
1. Under this cover, the insurer undertakes to pay, within the scope and subject to the limit agreed in the policy schedule, indemities derived from the liability of the driver of the insured vehicle, as stated in the schedule, in relation to traffic incidents in which the vehicle is involved and which cause damage or injuries to people or property for which the driver is liable pursuant to the terms of Article 1.902 and related articles of the Civil Code, Article 109 and related articles of the Criminal Code, the Motor Vehicle Transit Liability and Insurance Act, and any other legally applicable rules.
2. This cover guarantees the indemnities, up to the limit agreed in the schedule, in excess of the cover provided under the mandatory liability insurance at the time of the claim, as established by the applicable legal regulations.
3. For the purposes of this cover, for personal injuries, any individual or legal entity other than the driver will be considered as a third party; for property damage, any individual or legal entity other than the policyholder, the insured, the owner, the driver, or any of their spounses or relatives to the third degree of consanguinity by blood or marriage shall be considered as a third party.
The following is also covered:
- Liability in the event of a vehicle fire, for damage caused to third parties as a result of a fire originating in the insured vehicle when it is parked.
The limit for this cover is set at 60,000 euros per claim.
- Liability for trailers and / or caravans, for damages caused to third parties as a result of any trailers and / or caravans the vehicle may have in tow, provided the total weight thereof does not exceed 750 kg and their licence plate matches that of the insured vehicle.
Applicable to liability types A, B and C
Procedure to follow in the event of a claim (Liability, defence of the insured)
Type C: Liability for cargo and liability as a pedestrian or derived from amateur cycling
Own damage to the insured vehicle
The following is not covered:
In addition to the exclusions to the mandatory insurance:
a. Liability for damage caused by objects or goods transported in the vehicle, or by those in the possession of the insured or of parties for whom s/he is liable, even when said damage is the result of a traffic accident.
b. Contractual liability.
c. Liability derived from injuries caused to passengers in vehicles that have not been officially authorised for the transport of people, except in cases of fulfillment of the duty to assist or situations of necessity.
d. The payment of fines or sanctions imposed by the courts or relevant authorities and the consequences of the failure to pay them.
c. Under no circumstances shall the following parties be considered as third parties for the purpose of this cover:
- Those parties whose liability is covered under the policy
- When the insured is a legal entity, its legal representatives and their spouses and family members.
- In cases of claims declared to be occupational accidents, employees or wage earners of parties whose liability is covered under the policy
f. Liability derived from damage caused by trailers and / or caravans towed by the vehicle, unless the total weight of said trailers and / or caravans does not exceed 750 kg and their licence plate number matches that of the insured vehicle.
g. Damage caused to property owned by the policyholder, insured, owner or driver, or individuals related to the policyholder, insured, owner or driver up to the third degree of consanguinity by blood or marriage.
Sociedad de Agencia de Seguros Vinculada... Linked insurance agency
Liberty Quality Motor (Car insurance)
Car insurance (different kinds)