What is Third-Party Car Insurance?

Living in Spain is a privilege because it is a country with multiple places to discover. You can find beaches, mountains, cold or heat at the same time of the year and in relatively short distances. Therefore, it is a perfect country to travel and discover by car. But... just like in homes, it is mandatory to take out insurance, but it does not have to cover absolutely everything. In this article, we are going to talk about third-party car insurance, the most basic and contracted coverage in the country.

Exactly, what a third-party car insurance does is to protect you financially against the damages you may cause to another vehicle. That is to say, in the event that your car collides with another car, or simply brushes against it, the third-party car insurance will not cover the expenses of your car, but of the other one. In order to cover both, you would have to take out more complete policy.

Our own third-party car insurance

At Caser Expat Insurance, we have our own third-party car insurance. Below, we tell you all the coverages included:

• Caser Autohelp: Detecting an accident and calling 112 with your location.

• Compulsory civil liability: Comply with the minimum legal requirements.

• Voluntary civil liability: When the Compulsory CL is just not enough, this coverage guarantees you the compensation that goes further.

• Personal damage: Medical care covered in our network of centers, or up to 6,000 in private medical care. It covers permanent disability or death as well.

• Legal protection insurance: Although traffic accidents are involuntary, some end up in court. In these cases, at Caser Expat Insurance we are also at your side, accompanying you and paying you 3,000 euros of the cost of legal fees.

• Fine management: Support for appealing traffic tickets as well as administrative advice.

• Travel assistance: 24 hours a day from the first kilometre 0.

We want to tell you more about Caser Autohelp

It is our newest service, and it can literally save your life. You will have countrywide accident assistance from the moment we receive your location. If you don't pick up, we take care of calling 112, the European emergency number. The most important thing about this is that you don't have to ask for anything. This insurance exists for those moments in which you can't ask for help. We will only access your location in case of an accident through our app, and the service is available 24 hours a day, 365 days a year. Because when it comes to your life, every minute counts.

How to know if third party insurance is what you need?
It depends on your car and your needs. Your decision will be influenced by the age of your car, the use you make of it, the needs you want to meet and, of course, the money you are willing to pay.

Our price calculator

With our calculator, in just a few minutes you will be able to get the car insurance price that best suits your needs. Here are some of the advantages of using it:

• You will save time: It is a quick and easy method because we value your time as much as you do.

• Discretion: We know that for now, you only want to know the price of your possible insurance. That´s why our calculator does not commit you to anything.

• It´s easy: The only information you have to provide is the model of your car and the registration. And then we will offer you the price and insurance that best suits you.

• Unlimited calculations. You can repeat the process as many times as you need. Either because it takes you some time to make up your mind or because you want to take out different insurances for different vehicles.

Here you can find the link to our calculator. 

If you are not sure, here are the characteristics of the rest of our car insurance policies:

We have a third-party insurance that, in addition to the above-mentioned features, also covers windscreen breakage.

In the case of Extended third-party car insurance, both windscreen breakage and antitheft coverage would be added.

And finally, Comprehensive insurance. It also covers windscreen breakage, robbery, vehicle damage and Stop&Go. This is the most complete insurance. Obviously, it is also somewhat more expensive, but it is the only one that protects you against the vast majority of unforeseen events.

Coche x Coche Insurance

Regardless of the car insurance you want to take out, you will always have the possibility of taking out our Coche x Coche service, and you don’t even have to cancel your current insurance. This service provides you with another car under ownership in the event of a total loss. You can take it out whenever you want and without having to wait until your policy renewal date.

So that you can see everything more clearly and make up your mind, here is a direct link to our car insurance comparator. 

Best routes to travel by car in Spain

We could not start this article talking about the wonders of Spain without leaving some recommendations at the end. That´s why, in addition, we provide you with this article in which they talk about the best Spanish routes to do by car according to AI.

If you want sea, natural parks, and medieval villages, your route is La Costa Brava. If you prefer historical tourism, your destination is La Ruta de la Plata. It also proposes the route of El Cid for art and science lovers or discover La Rioja if quality wine tasting is your thing.

In short, since you are lucky enough to live in a country that offers so many possibilities and with so many places to discover, choosing to get to know it by car is the best decision to enjoy your freedom, but always with caution on the road. And as there are accidents that do not depend on your will, you must be protected against anything that may happen.