Accident Insurance Boating insurance Car Insurance Golf insurance Sanitas - health and dental insurance plans in Spain Household Insurance Hunting insurance Legal Expenses Insurance Life insurance Motorbike Insurance Travel insurance Civil Liability Insurance Insurance for Small and medium sized enterprises (SMEs) Insurance for Electrical Equipment Insurance for Haulage Companies Insurance for Companies selling or renting equipment (eg leasing) Machinery Breakdown Insurance Office Insurance Shop Insurance Are you planning to return to the UK from abroad?
4. Vehicle fire
Subject to the limits established in the policy schedule, this cover includes any damage that may be caused to the insured vehicle as a result of fire, lightning or explosion beyond the control of the driver or insured, whether the vehicle is in transit, or parked or in the process of being transported.
The insurance cover includes fires caused by:
- Material flaws, manufacturing defects and poor conservation, in which case the cover provided by the insurer will be limited to the repair of the damage caused by the accident and will not include the faulty of poorly conserved parts.
- Misconduct or malicious damage perpetrated by third parties, provided the act is not derived from a claim that may be legally classified as an extraordinary risk pursuant to the terms of Article 33
The insurer will be obliged to indemnify damage caused by fire when the fire is accidental in origin or originates due to the ill will of others or negligence on one's own part or the part if other liable parties.
The insurer will not be obliged to indemnify damage caused by fire when the fire is caused by wilful misconduct or serious fault on the part of the insured, policyholder or driver of the vehicle or by claims legally classified, for cover purposes, as extraordinary risks.
The insurer will indemnify all material damage sustained by the vehicle as a result of the direct action of the fire, as well as any damage caused by the inevitable consequences of the fire and, in particular, the damage caused by any necessary measures taken by the authorities, policyholder, insured or driver to impede, cut or extinguish the fire, including any expenses incurred through the taking of these measures.
Damage to the luggage and personal items of passengers in the insured vehicle as a result of an accident are likewise covered up to a maximum of 500 euros per claim.
For consideration as a total loss, the terms of the Preliminaries - (Definitions) above shall apply.
INDEMNITY BASED ON VALUE AS NEW IN CASE OF TOTAL LOSS
If the vehicle is less than four years old, in case of total loss the indemnity will be calculated based on the vehicle's value as new immediately prior to the occurrence of the claim (less the value of any scrap), in accordance with the following scale:
- 100% of the value as new, if the vehicle is less than two years old
- 80% of the value as new, if the vehicle is more than two years old but less than three years old.
- 70% of the value as new, if the vehicle is more than three years old but less than four years old.
If the vehicle is more than four years old, the indemnity will be made for its actual cash value plus 30% (less the value of any scrap).
Any enhancements or components permanently installed in the vehicle when it leaves the factory, as well as any accessories declared in the policy, will be indemnified as indicated in the preceeding paragraphs.
The vehicle's age will be calculated from the date of its first registration, even when said registration occurred somewhere other than Spain.
IN CASE OF PARTIAL DAMAGE:
The indemnity will be calculated as the cost of repairing the parts that need to be replaced and the labour required to make the repairs.
4. Replacement vehicle in the event of vehicle fire
5. Theft of the insured vehicle
Exclusions:
- Vehicle immobilisations due to mechanical malfunctions are excluded from this cover.
- Accidents occurring when participating in official or private sport competitions, training sessions, trials or wagers are excluded from this cover.
- The vehicle may not be driven beyond the limits of the country where the accident occurs
- This benefit is subject to the availability of vehicle rental companies and the conditions for rental that they apply
- At all times, petrol expenses will be for the account of the insured
THE FOLLOWING IS NOT COVERED:
a. Damage caused to the vehicle by transported objects or the loading or unloading of same, as well as by any trailers it may have in tow
b. Damage caused by seismic, atmospheric or thermal phenomena, except for lightning
c. Damage affecting tyres, except where the insured vehicle sustains other material damage as well
d. Damage affecting accessories, except where the accessories are expressly listed in the policy schedule.
e. The cost of transporting the vehicle when it has been damaged by an accident, except where this cover has been taken out, as per the terms, specifically, of Article 11 (Roadside assistance) and Article 24, Section E (Claims-Roadside assistance) below.
f. Any depreciation of the vehicle as a result of its repair following a claim.
g. Damage to professional items or tools transported in the vehicle.
h. Damage affecting guaranteed luggage and personal items transported in the vehicle in excess of 500 euros per claim.
Sociedad de Agencia de Seguros Vinculada... Linked insurance agency
Liberty Quality Motor (Car insurance)
Car insurance (different kinds)