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Third-Party policy

If you have an accident with your vehicle, Caser Autohelp is automatically alerted so that we can get in touch with you right away. If you don't pick up, we call 112 and emergency services send an ambulance your way. And best of all, you don't have to do a thing - we're there to help when you're unable to ask for it. After all, in the unlucky event of an accident, every minute counts.

Caser Autohelp is your rescue alert service throughout Spain, with no need for you to install anything in your car. Everything is managed on the app and, of course, we only pinpoint your location in the event of an accident. Available 24/7, 365 days a year.

How does Caser Autohelp work?

Many things can happen on the road. One of the main purposes of car insurance is to cover Cumpulsory Liability. With this guarantee, we assume responsibility for the compensation of material damages and/or personal injury that you might cause to the third party if you are responsible for an accident behind the wheel.

It covers, as the maximum, the fixed amounts legally established at the time of the accident.

The amount of compensation is determined according to the scale set out in Royal Decree 8/2004, in which the Law for Civil Responsibilty and Insurance in the Circulation of Motor Vehicles was passed.

When the Compulsory CL is just not enough, this coverage guarantees you the compensation that goes further. For this guarantee to be applied, the compensation needs to be within the limit set out in the Particular Conditions agreed upon when you take out the insurance contract, as well as defined by the legal provisions in force at any time.

We cover the obligation to compensate the damage you, as an insured driver, may cause to third parties, owing to:

• Traffic accidents where your car is at fault (failing to brake properly at a traffic light, for example).

• When your car is parked or stopped, fires or explosions in garages or outside it, are also covered.

• Telephone legal advice

• When luggage falls from your car on a public road, whether it falls from inside the vehicle, the roof racks or ski-rack.

• Opening doors Such as if you open a car door forcefully in a car park, for example, and damaging the car next yours.

• Trailers or caravans weighing up to 750 kg, as long as their registration coincides with that of your car and the existence of such a trailer is declared in your policy.

The compensation limit is €50,000,000.

An accident may cause more damage than just denting a door. Clearly, the most importing things inside your car are the people travelling within it, and this coverage covers all the personal damages that may be caused to you or your companions in an accident.

We consider the car itself as well as the action of getting in or out of the car, and the accidents that may occur when trying to repair your car on the road. The only requirement is that the driver’s driving license is valid, whether the driver is you or anyone else authorised on your policy.

In the event of an accident, we provide you with unlimited medical care in our designated centres, or if you prefer to go with a private healthcare centre, we will cover you for up to €6,000.

Furthermore, our bodily injuries coverage provides compensation for both the occupants and the actual driver in the following instances:

Death
If a person dies due to an accident, the capital sum agreed to is guaranteed. As for the driver, if they have minor children, or disabled people of legal age, we also guarantee to pay the equivalent of double the service price of the agreed upon capital sum.

Permanent disability
Should those injured in a traffic accident become permanently and irreversibly disabled, either mentally or physically, which makes them unable to return to work, we guarantee to pay for the entirety of the insured capital. Should the driver have minor children or disabled people of legal age on board, we also guarantee to pay the equivalent of double the service price of the agreed upon capital sum.

You can establish which compensation you want to correspond to the occupiers in the particular conditions of your policy before engaging in it. The compensation limit for driver death or disability (whether that is you as the policyholder or anyone else you have authorised on your policy), is €60,000.

A traffic accident is involuntary. If your parked car gets hit, it’s also involuntary. As a driver, you do however need to take responsibility for it. And sometimes, some claims end up on trial in court. We will be by your side throughout these situations and furthermore, we will assume the expenses of hiring a legal defence and the bonds you may be enforced to pay in criminal proceedings.

As long as you choose to make use of our legal services, we provide you with unlimited coverage. However, if you want to hire your own lawyer, we at Caser, commit to credit you for up to €3,000 of the cost of your legal fees.

Third Party Claims
Imagine you arrive at the garage and the motorbike parked in the space next to you falls and damages your car door. Or imagine you’re stopped at a stop sign and the person behind you doesn’t brake. In such instances, we will make a claim on your behalf for the damages the accident causes to you, to those insured in your policy and of course, the damages suffered by your car.

Telephone legal advice
You have an expert professional team on the other end of the phone to advise you on issues relating to fines, services or any questions you may have when making a claim, etc.

We help you to appeal your traffic fines, including legal advice for allegations and penalties due to traffic infringements, preparing documents and administrative resources as well as resources against recovery procedures.

From the first kilometre and 24 hours a day. We are always by your side when you need it.
Travel support is an essential coverage. Because when you travel, you want to be protected and know that if something happens, you won’t fall by the wayside.
Travel Support also includes caring for your car, you and your companions.

Features relating to your vehicle

• Mechanical Support

If your car stops on the highway because of an accident or a breakdown, call us and we will send a tow truck to meet you. We will always try to repair your vehicle as soon as possible so that you can continue your journey and we will bear up to €120 of the costs. All you will need to pay for is the amount of the spare parts if necessary.

In the event of a punctured tyre, we will assist you. And if you run out of petrol, we will bring you some.

• Vehicle towing

When we are unable to repair your car in the place of the incident, we will bear the costs of towing it to the garage of your choice.

Bear in mind that the distance between the site of the accident (or wherever your car breaks down) and your home address is the maximum distance we will tow your car.

For example, if you live in Cádiz, you are travelling to Zaragoza and on your way through Madrid, your car breaks down, we will tow your car wherever you want to go, as long as the distance is no further than it would be to take your car back to your house. That means that we can take your car to your trusted garage in Cádiz (within a 25 km radius of your home address) or if you don’t want to interrupt your journey, we can take it to one in Zaragoza or Madrid.

If your vehicle stalls when you’re abroad, your car will be towed to the garage closest to the site of the incident.

• Rescue

Should your vehicle become immobilised due to having overturned of fallen due to unevenness on the ground, we will organise for your car to be rescued and bear the cost of the same (up to €350).

Features for the Occupants

At Caser, we look after your car and the people travelling in it. That’s why we have thought about all of the possible situations and we cover you in the following instances:

• Transport or repatriation of injured or sick people

Whether you’re within Spain or outside the country, we will take care of everything so that you can return home.

• Tracing lost luggage.

If you lose your luggage, we will make a claim on your behalf to make use of the official means to find it.

• Sending urgent messages.

In the event of an accident, if you need to send some urgent messages, we will take care of finding a solution so that you can send any relevant messages immediately.

• Travel and accommodation for a companion in the event of hospitalisation.

We know that being far from home when you’re sick is not very appealing. At Caser, we ensure that a close friend or family member can remain by your side if you are hospitalised as the result of an accident, either in Spain or abroad.

We deal with any damages that a fire or explosion may cause to the vehicle and the insured accessories. Whether the vehicle is driving, parked or being towed or transported, this coverage encompasses it all.

Furthermore, in the event of total loss or when the vehicle is less than two years old, starting from the first date it was registered, we will compensate you for 100% of the value. For the car’s third year from the date of registration, we will compensate you 120% of its market value, meaning its value at the time of the accident.

With windscreen coverage, should your windscreens break, we guarantee to cover you for 1000% of the value of the window panes and the invoices for repairs or replacement.