The Sure. of Civil liability, also known as insurance to third parties, is the Policy minimum requirement that every vehicle must have. It is a legally binding insurance for any vehicle, regardless of its model, seniority or use. If it's not released in traffic, your caravan must be insured.
This compulsory civil liability insurance has an amount of compensation also marked by law and covering the following total limits:
- EUR 70 million for personal damage
- EUR 15 million for material damage
If you get caught by a cop or a civilian guard, the caravan is uninsured without insurance, in addition to putting a fine, they will immobilize or take it to a deposit and in order to take it away, you will have to submit within a maximum of 10 days a civil liability insurance in force, as well as to pay the costs of the deposit or the contempt of the vehicle after the immobilisation.
Don't think it's hard to get caught, since there's a file called FIVA (Informed Vehicle Index), which allows the authority to consult at the moment whether any vehicle has insurance or not. In addition, some of the DGT's cameras are automated to consult at the moment if the vehicle is insured or not.
What does Civil Responsibility include?
The Re insurancecompulsory civil responsibility covers any damage to third parties we can cause while we drive our vehicle. Damage to third parties may be:
- Personal: the damage caused to persons (driver of the opposite vehicle or occupants).
- Materials: damage to another vehicle, a traffic sign or urban furniture, a building etc.
There is one exception: if we cause damage to a third be a relative of ours (with whom there is a relationship of kinship to the third degree of consanguinity or affinity, that is to say to you - nephew, the cousins are already fourth degree). In this case, the Compulsory civil liability shall not cover any accident in which the third party concerned is a relative of the insurance provider.
Voluntary Civil Responsibility
So far, we have talked about the Compulsory civil liability, which covers amounts assessed by law. However, there is a coverage supplementary offered by many insurers: Civil liability Voluntary. It is a supplementary cover that extends the amounts of compensation for the Compulsory Civil Liability. Some policies to third parties include it in conjunction with mandatory civil liability.
Although the costs of an accident exceed the limits of compulsory civil liability insurance, the insurance I would pay all the compensation and you won't have to pay the expenses for any kind of damage you have.
Basic insurance
Compulsory Civil Liability Insurance is the most basic insurance there is. It's cheaper, but I may not have enough coverage you'd like to have in your caravan insurance policy. Don't worry, because in inXur you can hire the policy that best suits your needs and add any coverage you want at every moment, even if they are not mandatory by law.
You can add moons, theft, fire, own damage, driver's insuranceassistance, legal defence and claim... anything you need. We explain to you each of the covers, what they include and what not, so you can choose the ones you really need.
Calculate now the insurance you want and hire it 100% online or through our call center or even through our Whatsapp service. You'll have the best insurance, always at the best price and with the best coverage, so that you hire the insurance that really suits your needs.
