The Sure. of Civil liability, also known as insurance to third parties, is the Policy mínima obligatoria que toda moto debe tener. Es un seguro obligatorio por ley para cualquier vehículo, independientemente de su modelo, antigüedad o uso. Si no está dada de baja en tráfico, la moto debe estar asegurada.
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 a cop or a civilian guard and the bike is unsure, besides putting a fine, they will immobilize it or take it to a deposit and in order to get the bike out of there 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 bike after the immobilization.
Don't think it's hard to get caught, since there's a file called FIVA (Fichero Informatizado de Vehículos Asegurados), que permite a la autoridad consultar en el momento si una moto tiene seguro o no. Además, algunas de las cámaras de la DGT están automatizadas para consultar también en el momento si cualquier vehículo que capta la cámara está insured or not.
What does Civil Responsibility include?
- 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 complementary and normally optional 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 pagaría toda la indemnización y tú no tendrás que pagar los gastos por cualquier tipo de daño que hayas causado.
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 bike 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.