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5. Theft of the insured vehicle
In the event of the theft of the entire vehicle or of all its tyres, the indemnity will be calculated based on the vehicle's value as new immediately prior to the occurrence of the claim, 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%.
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.
Total theft of tyres shall be understood as the theft, in a single claim, of all the vehicle's tyres with or without the spare.
B. Unlawful taking of permanently installed components
Effects of the recovery of the stolen vehicle
Replacement vehicle in the event of theft of the 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. Theft due to gross negligence on the part of the insured, policyholder or driver or their dependants or those persons who live with them.
b. Thefts where the perpetrator or accomplice is a relative of the insured or policyholder, to the third degree of consanguinity by blood or marriage, or a dependent or employee of either, provided the said party depends on or lives with them.
c. Trailers towed by the insured vehicle.
d. Theft or attempted theft of accessories, except where the accessories are expressly listed in the policy schedule.
Under no circumstances will accessories that do not form a permanent part of the insured vehicle, such as keys or remote openers, be covered.
e. Thefts or damage due to theft or attempted theft affecting guaranteed luggage and personal items transported in the vehicle in excess of 500 euros per claim.
f. Thefts or damage due to theft or attempted theft affecting professional items or tools transported in the vehicle.
g. Thefts that are not reported to the police authorities. The insured must furthermore provide the insurer with a copy of the report.
Sociedad de Agencia de Seguros Vinculada... Linked insurance agency
Liberty Quality Motor (Car insurance)
Car insurance (different kinds)