{"id":12340,"date":"2022-04-22T15:02:22","date_gmt":"2022-04-22T13:02:22","guid":{"rendered":"https:\/\/bohemia-mallorca.com\/bohe01\/private-customers\/car-insurance\/"},"modified":"2024-02-29T09:30:28","modified_gmt":"2024-02-29T08:30:28","slug":"car-insurance","status":"publish","type":"page","link":"https:\/\/bohemia-mallorca.com\/en\/private-customers\/car-insurance\/","title":{"rendered":"Car insurance"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; el_class=&#8221;fixed-back-bild&#8221; el_id=&#8221;autoversicherung&#8221;][vc_column offset=&#8221;vc_hidden-sm vc_hidden-xs&#8221;][vc_single_image image=&#8221;39538&#8243; img_size=&#8221;bohe-back&#8221; alignment=&#8221;center&#8221;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; el_class=&#8221;fixed-back-bild&#8221;][vc_column offset=&#8221;vc_hidden-lg vc_hidden-md&#8221;][vc_single_image image=&#8221;39542&#8243; img_size=&#8221;bohe-back&#8221; alignment=&#8221;center&#8221;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; full_height=&#8221;yes&#8221; columns_placement=&#8221;bottom&#8221; content_placement=&#8221;bottom&#8221; css_animation=&#8221;none&#8221; el_class=&#8221;super-balke-container-big&#8221;][vc_column][vc_row_inner el_class=&#8221;super-balke-slider&#8221; css=&#8221;.vc_custom_1684585591647{background-color: rgba(105,112,88,0.6) !important;*background-color: rgb(105,112,88) !important;}&#8221;][vc_column_inner][superbalke_father slides=&#8221;4&#8243;][superbalke_son numbericon=&#8221;one&#8221; color=&#8221;rgba(211,206,181,0.95)&#8221; produkt_link=&#8221;url:%23this|title:Car%20insurance|rel:nofollow|&#8221;]<\/p>\n<p><em>Bonus: We adhere to your country\u2019s bonus<\/em><\/p>\n<p>[\/superbalke_son][superbalke_son numbericon=&#8221;two&#8221; color=&#8221;rgba(211,206,181,0.95)&#8221; produkt_link=&#8221;url:%23this|title:Car%20insurance|rel:nofollow|&#8221;]<\/p>\n<p><em>Replacement vehicle: In the event of a breakdown, accident or theft, the car insurance in Majorca, Spain, will provide another one.<\/em><\/p>\n<p>[\/superbalke_son][superbalke_son numbericon=&#8221;three&#8221; color=&#8221;rgba(211,206,181,0.95)&#8221; produkt_link=&#8221;url:%23this|title:Car%20insurance|rel:nofollow|&#8221;]<\/p>\n<p><em>Fully comprehensive insurance: We insure your car as fully comprehensive, even if it is not new and as long as it is less than 15 years old<\/em><\/p>\n<p>[\/superbalke_son][superbalke_son numbericon=&#8221;four&#8221; color=&#8221;rgba(211,206,181,0.95)&#8221; produkt_link=&#8221;url:%23this|title:Car%20insurance|rel:nofollow|&#8221;]<\/p>\n<p><em>No reduction of benefits in case of gross negligence<\/em><\/p>\n<p>[\/superbalke_son][\/superbalke_father][vc_btn title=&#8221;read more&#8221; shape=&#8221;round&#8221; color=&#8221;btn-circle-down&#8221; link=&#8221;url:%23this|title:Car%20insurance|&#8221; el_id=&#8221;this&#8221;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; css_animation=&#8221;none&#8221; css=&#8221;.vc_custom_1689559726913{background-color: #d3ceb5 !important;}&#8221;][vc_column][vc_custom_heading text=&#8221;<strong>Car Insurance<\/strong> <em>Mallorca<\/em>&#8221; font_container=&#8221;tag:h1|text_align:left|color:%23645a84&#8243; el_class=&#8221;invert&#8221;][bohe_carousel_father vertikalalign=&#8221;slider-start&#8221; textcolor=&#8221;#40316d&#8221;][bohe_carousel_son contentheader=&#8221;&#8221;]The main purpose of <strong>car insurance in Mallorca<\/strong> and <strong>Spain<\/strong> is to repair or compensate for accidental damage caused by the circulation of motor vehicles.[\/bohe_carousel_son][bohe_carousel_son contentheader=&#8221;&#8221;]<\/p>\n<p>In Spain, every owner of a motor vehicle is obliged to insure it against third parties (compulsory third party guarantee).<\/p>\n<p>In addition to the coverage described above, the same <strong>car insurance policy for Majorca<\/strong> can also be extended to include further optional cover for the vehicle itself (windows, theft, fire, damage, assistance) or for the insured (driver&#8217;s accident). In terms of modality, you can choose between third party, partial or fully comprehensive insurance.<\/p>\n<p>[\/bohe_carousel_son][\/bohe_carousel_father][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; el_class=&#8221;super-balke-container-small&#8221;][vc_column css_animation=&#8221;none&#8221;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; el_class=&#8221;bullets-block&#8221; css=&#8221;.vc_custom_1689559749021{background-color: #d3ceb5 !important;}&#8221;][vc_column][vc_custom_heading text=&#8221;<strong>Tailored<\/strong> <em>to your needs<\/em>&#8221; font_container=&#8221;tag:p|text_align:left|color:%23645a84&#8243; css_animation=&#8221;slideInRight&#8221; el_class=&#8221;heading-size-1 invert&#8221;][vc_custom_heading text=&#8221;What coverages are available with car insurance in Spain?&#8221; font_container=&#8221;tag:h2|text_align:left|color:%2340316d&#8221;][vc_column_text]<\/p>\n<ul>\n<li>\n<h3 style=\"color: #40316d;\">Compulsory liability insurance<\/h3>\n<ul>\n<li><span style=\"color: #40316d;\">If you are responsible for injuries to others, you have cover for bodily injury caused by you of up to \u20ac70,000,000.<\/span><\/li>\n<\/ul>\n<\/li>\n<li>\n<h3 style=\"color: #40316d;\">Travel insurance 24h basis<\/h3>\n<ul>\n<li><span style=\"color: #40316d;\">If your vehicle breaks down, the insurance will repair it on the spot or tow it up to 200 km.<\/span><\/li>\n<\/ul>\n<\/li>\n<li>\n<h3 style=\"color: #40316d;\">Basic accident insurance<\/h3>\n<ul>\n<li><span style=\"color: #40316d;\">If you are severely disabled after an accident, the insurance pays you the insured capital.<\/span><\/li>\n<\/ul>\n<\/li>\n<li>\n<h3 style=\"color: #40316d;\">Basic legal protection<\/h3>\n<ul>\n<li><span style=\"color: #40316d;\">If you have an accident and need a lawyer, one will be provided for you without a cost limit or you will receive up to \u20ac 1,500 if you choose your own lawyer.<\/span><\/li>\n<\/ul>\n<\/li>\n<li>\n<h3 style=\"color: #40316d;\">Free choice of mechanic workshop<\/h3>\n<ul>\n<li><span style=\"color: #40316d;\">If you need a <strong>workshop<\/strong> after an accident, you can choose one within a radius of 200 km.<\/span><\/li>\n<\/ul>\n<\/li>\n<li>\n<h3 style=\"color: #40316d;\">Authorised mechanic workshop network<\/h3>\n<ul>\n<li><span style=\"color: #40316d;\">If your vehicle is damaged and you need to repair it, you have access to over 800 authorised repairers with exclusive benefits.<\/span><\/li>\n<\/ul>\n<\/li>\n<li>\n<h3 style=\"color: #40316d;\">Glass damage<\/h3>\n<ul>\n<li><span style=\"color: #40316d;\">If you have a stone chip on your windscreen, the glass will be <strong>repaired<\/strong> or replaced.<\/span><\/li>\n<\/ul>\n<\/li>\n<li>\n<h3 style=\"color: #40316d;\">Theft<\/h3>\n<ul>\n<li><span style=\"color: #40316d;\">If your vehicle is broken into and your sunglasses are stolen, you are covered for up to \u20ac300.<\/span><\/li>\n<\/ul>\n<\/li>\n<li>\n<h3 style=\"color: #40316d;\">Fire<\/h3>\n<ul>\n<li><span style=\"color: #40316d;\">If your vehicle partially burns out, your <strong>car insurance in Spain<\/strong> will pay for the repair.<\/span><\/li>\n<\/ul>\n<\/li>\n<li>\n<h3 style=\"color: #40316d;\">Atmospheric phenomena and wildlife<\/h3>\n<ul>\n<li><span style=\"color: #40316d;\">Don&#8217;t worry if hail dents your vehicle. The insurance will reimburse you for the repair.<\/span><\/li>\n<\/ul>\n<\/li>\n<li>\n<h3 style=\"color: #40316d;\">Valuation as a new car<\/h3>\n<ul>\n<li><span style=\"color: #40316d;\">If your vehicle is stolen, your insurance will pay you for an equivalent vehicle for the first 3 years after the 1st registration.<\/span><\/li>\n<\/ul>\n<\/li>\n<li>\n<h3 style=\"color: #40316d;\">Total loss<\/h3>\n<ul>\n<li><span style=\"color: #40316d;\">In the event of a total loss without the involvement of a third party, you will be reimbursed 100% of the value of the vehicle in the first 3 years after the 1st registration.<\/span><\/li>\n<\/ul>\n<\/li>\n<li>\n<h3 style=\"color: #40316d;\">Own damage with or without excess<\/h3>\n<ul>\n<li><span style=\"color: #40316d;\">If you dent your vehicle on a pillar, you will be reimbursed for the repair costs or the corresponding share will be paid out depending on the excess.<\/span><\/li>\n<\/ul>\n<\/li>\n<li>\n<h3 style=\"color: #40316d;\">Own damage with excess<\/h3>\n<ul>\n<li><span style=\"color: #40316d;\">If you want more protection at a lower price, you can add an excess of \u20ac200, \u20ac300 or \u20ac600.<\/span><\/li>\n<\/ul>\n<\/li>\n<li>\n<h3 style=\"color: #40316d;\">Extended travel insurance 24 h<\/h3>\n<ul>\n<li><span style=\"color: #40316d;\">If your vehicle ends up in a ditch, <strong>car insurance in Mallorca<\/strong> and the rest of <strong>Spain<\/strong> will send you a tow truck and tow your vehicle with no mileage limit.<\/span><\/li>\n<\/ul>\n<\/li>\n<li>\n<h3 style=\"color: #40316d;\">Travel Protection Insurance 24 h Plus<\/h3>\n<ul>\n<li><span style=\"color: #40316d;\">If your vehicle is in the workshop due to damage, you will have a replacement vehicle at your disposal during the <strong>repair<\/strong>.<\/span><\/li>\n<\/ul>\n<\/li>\n<li>\n<h3 style=\"color: #40316d;\">Extended legal protection<\/h3>\n<ul>\n<li><span style=\"color: #40316d;\">If you have an accident and need a lawyer, one will be provided for you with <strong>no limit on costs<\/strong> or you will receive up to \u20ac6,000 if you choose your own lawyer.<\/span><\/li>\n<\/ul>\n<\/li>\n<li>\n<h3 style=\"color: #40316d;\">Extended accident insurance<\/h3>\n<ul>\n<li><span style=\"color: #40316d;\">If you suffer an accident, you will receive unlimited care at your insurer&#8217;s contracted medical centres and cover up to \u20ac12,000 at the medical centre of your choice.<\/span><\/li>\n<\/ul>\n<\/li>\n<li>\n<h3 style=\"color: #40316d;\">Total loss<\/h3>\n<ul>\n<li><span style=\"color: #40316d;\">In the event of a total loss without the involvement of a third party, you will be reimbursed 100% of the value of the vehicle in the first 3 years after the 1st registration.<\/span><\/li>\n<\/ul>\n<\/li>\n<li>\n<h3 style=\"color: #40316d;\">Replacement in case of loss of driving licence<\/h3>\n<ul>\n<li><span style=\"color: #40316d;\">If you lose points or your driving licence, the <strong>insurance<\/strong> pays you a monthly replacement for up to 6 months.<\/span><\/li>\n<\/ul>\n<\/li>\n<li>\n<h3 style=\"color: #40316d;\">Liability for freight<\/h3>\n<ul>\n<li><span style=\"color: #40316d;\">If freight falls out of your van, you will be covered for the cost of any damage caused.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1672389927456{background-color: #d3ceb5 !important;}&#8221; el_class=&#8221;details&#8221;][vc_column][vc_custom_heading text=&#8221;Modalities and coverages of motor vehicle insurance in Spain&#8221; font_container=&#8221;tag:h2|text_align:left|color:%23645a84&#8243;][vc_row_inner el_class=&#8221;flip-box-row&#8221; el_id=&#8221;tothetop&#8221;][vc_column_inner el_class=&#8221;flip-box-column&#8221;][vc_cta h2=&#8221;&#8221; txt_align=&#8221;center&#8221; shape=&#8221;square&#8221; css_animation=&#8221;none&#8221; css=&#8221;.vc_custom_1690621263335{background-image: url(https:\/\/bohemia-mallorca.com\/wp-content\/uploads\/2023\/05\/autoversicheung_basis-jpg.webp?id=39977) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221; el_class=&#8221;flip-box-front lazy&#8221;]<\/p>\n<h3><span style=\"color: #645a84;\">Basic coverages<\/span><\/h3>\n<p>[\/vc_cta][vc_cta h2=&#8221;&#8221; txt_align=&#8221;center&#8221; shape=&#8221;square&#8221; el_class=&#8221;flip-box-back&#8221; css=&#8221;.vc_custom_1683198893604{background-color: #9a8b9c !important;}&#8221;]<\/p>\n<ul>\n<li><span style=\"color: #f6ebe4;\">Compulsory liability insurance<\/span><\/li>\n<li><span style=\"color: #f6ebe4;\">Voluntary civil liability<\/span><\/li>\n<li><span style=\"color: #f6ebe4;\">Accidents of the driver<\/span><\/li>\n<li><span style=\"color: #f6ebe4;\">Legal defence and claims for damages<\/span><\/li>\n<li><span style=\"color: #f6ebe4;\">Roadside assistance<\/span><\/li>\n<li><span style=\"color: #f6ebe4;\">Glass (optional)<\/span><\/li>\n<\/ul>\n<p style=\"text-align: center;\"><a href=\"#block-one\">More info<\/a><\/p>\n<p>[\/vc_cta][\/vc_column_inner][\/vc_row_inner][vc_row_inner el_class=&#8221;flip-box-row&#8221;][vc_column_inner el_class=&#8221;flip-box-column&#8221;][vc_cta h2=&#8221;&#8221; txt_align=&#8221;center&#8221; shape=&#8221;square&#8221; el_class=&#8221;flip-box-front lazy&#8221; css=&#8221;.vc_custom_1690621294571{background-image: url(https:\/\/bohemia-mallorca.com\/wp-content\/uploads\/2023\/05\/autoversicheung_teilkasko-jpg.webp?id=39973) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;]<\/p>\n<h3><span style=\"color: #f6ebe4;\">Partial casco<\/span><\/h3>\n<p>[\/vc_cta][vc_cta h2=&#8221;&#8221; txt_align=&#8221;center&#8221; shape=&#8221;square&#8221; el_class=&#8221;flip-box-back&#8221; css=&#8221;.vc_custom_1683212281962{background-color: #7a2385 !important;}&#8221;]<\/p>\n<ul>\n<li>Compulsory civil liability<\/li>\n<li>Voluntary liability towards third parties<\/li>\n<li><span style=\"color: #f6ebe4;\">Accidents of the driver<\/span><\/li>\n<li><span style=\"color: #f6ebe4;\">Legal defence and claims for damages<\/span><\/li>\n<li><span style=\"color: #f6ebe4;\">Roadside assistance<\/span><\/li>\n<li><span style=\"color: #f6ebe4;\">Glass<\/span><\/li>\n<li><span style=\"color: #f6ebe4;\">Theft and fire<\/span><\/li>\n<li><span style=\"color: #f6ebe4;\">Collision with animals<\/span><\/li>\n<li><span style=\"color: #f6ebe4;\">Atmospheric phenomena<\/span><\/li>\n<\/ul>\n<p style=\"text-align: center;\"><a href=\"#block-two\">More info<\/a><\/p>\n<p>[\/vc_cta][\/vc_column_inner][\/vc_row_inner][vc_row_inner el_class=&#8221;flip-box-row&#8221;][vc_column_inner el_class=&#8221;flip-box-column&#8221;][vc_cta h2=&#8221;&#8221; txt_align=&#8221;center&#8221; shape=&#8221;square&#8221; el_class=&#8221;flip-box-front lazy&#8221; css=&#8221;.vc_custom_1690621318847{background-image: url(https:\/\/bohemia-mallorca.com\/wp-content\/uploads\/2023\/05\/autoversicheung_vollkasko-jpg.webp?id=39981) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;]<\/p>\n<h3><span style=\"color: #645a84;\">Fully comprehensive insurance<\/span><\/h3>\n<p>[\/vc_cta][vc_cta h2=&#8221;&#8221; txt_align=&#8221;center&#8221; shape=&#8221;square&#8221; el_class=&#8221;flip-box-back&#8221; css=&#8221;.vc_custom_1683213195390{background-color: #a6cdd8 !important;}&#8221;]<\/p>\n<ul>\n<li><span style=\"color: #645a84;\">Compulsory civil liability<\/span><\/li>\n<li><span style=\"color: #645a84;\">Voluntary civil liability<\/span><\/li>\n<li><span style=\"color: #645a84;\">Accidents of the driver<\/span><\/li>\n<li><span style=\"color: #645a84;\">Legal defence and claims for damages<\/span><\/li>\n<li><span style=\"color: #645a84;\">Roadside assistance<\/span><\/li>\n<li><span style=\"color: #645a84;\">Glass<\/span><\/li>\n<li><span style=\"color: #645a84;\">Theft and fire<\/span><\/li>\n<li><span style=\"color: #645a84;\">Collision with animals<\/span><\/li>\n<li><span style=\"color: #645a84;\">Atmospheric phenomena<\/span><\/li>\n<li><span style=\"color: #645a84;\">Comprehensive insurance: with or without excess<\/span><\/li>\n<\/ul>\n<p style=\"text-align: center; color: #645a84;\"><a href=\"#block-three\">More info<\/a><\/p>\n<p>[\/vc_cta][\/vc_column_inner][\/vc_row_inner][vc_row_inner el_id=&#8221;block-one&#8221; el_class=&#8221;blocks&#8221;][vc_column_inner el_class=&#8221;round-center&#8221; css=&#8221;.vc_custom_1654028447260{background-color: #9a8b9c !important;}&#8221;][vc_column_text]<\/p>\n<p><span style=\"color: #f6ebe4;\"><strong>Compulsory insurance<\/strong><\/span><br \/>\n<span style=\"color: #f6ebe4;\">Compulsory insurance is the insurance that is required by law for all vehicles, even if it is not driven.<\/span><br \/>\n<span style=\"color: #f6ebe4;\"><br \/>\nThe compulsory insurance for vehicles in <strong>Spain<\/strong> is third party insurance (RSO). Compulsory <strong>car insurance<\/strong> covers the driver\u2019s liability. This concerns the damage that you, as the driver of a vehicle, may cause to third parties or other vehicles in the event of an accident for which you are responsible.<\/span><br \/>\n<span style=\"color: #f6ebe4;\"><br \/>\nCompulsory insurance is the most basic insurance for your vehicle. <strong>Drivers<\/strong> also have the option of taking out voluntary insurance for their vehicle, which offers additional protection.<\/span><\/p>\n<p>[\/vc_column_text][vc_btn title=&#8221;Top&#8221; color=&#8221;btn-top&#8221; align=&#8221;right&#8221; link=&#8221;url:%23tothetop|title:top|rel:nofollow|&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner el_class=&#8221;blocks&#8221;][vc_column_inner el_class=&#8221;round-center&#8221; css=&#8221;.vc_custom_1654028447260{background-color: #9a8b9c !important;}&#8221;][vc_column_text]<\/p>\n<p><span style=\"color: #f6ebe4;\"><strong>Voluntary insurance<\/strong><\/span><br \/>\n<span style=\"color: #f6ebe4;\">Voluntary insurance, as the name suggests, is insurance that motorists choose to take out for their vehicle out of their own motivation.<\/span><br \/>\n<span style=\"color: #f6ebe4;\">The compensation provided by compulsory insurance is not unlimited. In the case of personal injury, the maximum amount per claim is 70 million euros, and in the case of property damage, 15 million euros per claim.<\/span><br \/>\n<span style=\"color: #f6ebe4;\"><br \/>\nIf only the compulsory <strong>Car insurance<\/strong> is taken out in <strong>Mallorca or Spain<\/strong>, any costs over and above this will be borne by the driver. We therefore recommend taking out voluntary liability insurance. This insurance covers the costs that exceed the costs covered by the compulsory insurance. The amount agreed in the conditions for property damage is usually 50 million euros per accident.<\/span><br \/>\n<span style=\"color: #f6ebe4;\"><br \/>\nFurther, however, it should be noted that neither compulsory nor voluntary third party liability covers the damages of the driver or his family members up to the third degree. For this purpose, you can take out driver\u2019s accident insurance, under which the insurer covers the driver\u2019s damages in the event of an accident.<\/span><\/p>\n<p>[\/vc_column_text][vc_btn title=&#8221;Top&#8221; color=&#8221;btn-top&#8221; align=&#8221;right&#8221; link=&#8221;url:%23tothetop|title:top|rel:nofollow|&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner el_id=&#8221;block-two&#8221; el_class=&#8221;blocks&#8221;][vc_column_inner el_class=&#8221;round-center&#8221; css=&#8221;.vc_custom_1654029172463{background-color: #7a2385 !important;}&#8221;][vc_column_text]<\/p>\n<p><span style=\"color: #f6ebe4;\"><strong>Partial casco<\/strong><\/span><br \/>\n<span style=\"color: #f6ebe4;\">This is an extension of third party insurance with certain benefits that supplement the insurance. The most common guarantees added to this type of policy are usually glass, theft and fire damage.<\/span><br \/>\n<span style=\"color: #f6ebe4;\"><br \/>\nIn addition, many insurers allow you to \u201ctailor-make\u201d your <strong>motor insurance policy<\/strong>. For this purpose, the companies offer packages with extended guarantees or give you the option to choose yourself which coverages you want to add to your policy.<\/span><br \/>\n<span style=\"color: #f6ebe4;\">The latter is an interesting option if you want to improve your insurance without excessively increasing the premium.<\/span><br \/>\n<span style=\"color: #f6ebe4;\"><br \/>\nIn addition, certain companies also offer the option of insuring damage caused by animal collisions, weather conditions or the total loss of the vehicle if the repair value exceeds the market value of the vehicle.<br \/>\n<a href=\"https:\/\/bohemia-mallorca.com\/en\/about-us\/\" target=\"_blank\" rel=\"noopener\">Bohemia Mallorca<\/a> trusts in the products of all well-known insurance companies in <strong>Spain<\/strong>. So you can always find the product that best suits your needs. Whether it is a <a href=\"https:\/\/bohemia-mallorca.com\/en\/private-customers\/building-and-contents-insurance\/\" target=\"_blank\" rel=\"noopener\">building &amp; household insurance<\/a>, <a href=\"https:\/\/bohemia-mallorca.com\/en\/private-customers\/travel-insurance\/\" target=\"_blank\" rel=\"noopener\">travel insurance<\/a>, <a href=\"https:\/\/bohemia-mallorca.com\/en\/business-customers\/legal-expenses-insurance-for-the-self-employed\/\" target=\"_blank\" rel=\"noopener\">insurance for self-employed<\/a> or <a href=\"https:\/\/bohemia-mallorca.com\/en\/private-customers\/private-health-insurance\/\" target=\"_blank\" rel=\"noopener\">private health insurance<\/a> in Mallorca and <a href=\"\/en\/private-customers\/\" target=\"_blank\" rel=\"noopener\">much more.<\/a><br \/>\n<\/span><\/p>\n<p>[\/vc_column_text][vc_btn title=&#8221;Top&#8221; color=&#8221;btn-top&#8221; align=&#8221;right&#8221; link=&#8221;url:%23tothetop|title:top|rel:nofollow|&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner el_id=&#8221;block-three&#8221; el_class=&#8221;blocks dunkel&#8221;][vc_column_inner el_class=&#8221;round-center&#8221; css=&#8221;.vc_custom_1654029617422{background-color: #a6cdd8 !important;}&#8221;][vc_column_text]<\/p>\n<p><span style=\"color: #645a84;\"><strong>Fully comprehensive insurance<\/strong><\/span><br \/>\n<span style=\"color: #645a84;\">As it includes all the coverages of the previous modalities (third party liability, legal protection, driver\u2019s insurance, windows, theft, fire, etc.), it is the most comprehensive modality of all.<\/span><br \/>\n<span style=\"color: #645a84;\"><br \/>\nOwn damage is added as an additional cover. This guarantee now covers the damage caused to the vehicle, even if the insured is at fault. As it is the most comprehensive option, it is of course also the most expensive of all.<\/span><br \/>\n<span style=\"color: #645a84;\">After all, this way you can take advantage of most of the services and benefits of comprehensive insurance.<\/span><br \/>\n<span style=\"color: #645a84;\"><br \/>\nThe <strong>car insurance company in Majorca<\/strong> usually sets an excess, which is applied to the damage to the vehicle itself and for which the insured must pay a fixed amount or a percentage of the costs incurred in the event of a claim.<\/span><br \/>\n<span style=\"color: #645a84;\">If you are a good driver and have not had many accidents in your past, this can therefore be a recommendable option to reduce the premium this way.<\/span><\/p>\n<p>[\/vc_column_text][vc_btn title=&#8221;Top&#8221; color=&#8221;btn-top&#8221; align=&#8221;right&#8221; link=&#8221;url:%23tothetop|title:top|rel:nofollow|&#8221;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1684609153465{background-color: #d3ceb5 !important;}&#8221; el_class=&#8221;details&#8221;][vc_column][bohe_carousel_small_father horizontalgrid=&#8221;mitte-mitte&#8221; backcolor=&#8221;#282626&#8243; textcolor=&#8221;#f6ebe4&#8243;][bohe_carousel_small_son contentheader=&#8221;How is the value of the vehicle determined in the event of a total loss?&#8221;]<\/p>\n<p style=\"text-align: center;\">The compensation in case of a total loss depends directly on two factors: the age of the vehicle and the compensation value. The latter is determined as follows:<\/p>\n<p>[\/bohe_carousel_small_son][bohe_carousel_small_son contentheader=&#8221;New value:&#8221;]<\/p>\n<p style=\"text-align: center;\">This is the value of the new car paid to the insured in the first and in some cases the second year. In the event of a claim, the insured person would receive the value of a vehicle of the same make and model with the same characteristics.<\/p>\n<p>[\/bohe_carousel_small_son][bohe_carousel_small_son contentheader=&#8221;Traffic value:&#8221;]<\/p>\n<p style=\"text-align: center;\">At the end of the \u201cas new\u201d value period, the insured receives the value of the vehicle at the time of the claim. This is the amount he would receive if the insured had taken his car to a dealer at that time.<\/p>\n<p>[\/bohe_carousel_small_son][bohe_carousel_small_son contentheader=&#8221;Market value:&#8221;]<\/p>\n<p style=\"text-align: center;\">This is the purchase value of the vehicle at the time of the accident, not taking into account the condition of the vehicle, only its age. This value is usually slightly higher than the market value.<\/p>\n<p>[\/bohe_carousel_small_son][bohe_carousel_small_son contentheader=&#8221;Affection value:&#8221;]<\/p>\n<p style=\"text-align: center;\">This value results from a premium of 20 to 30% on the market value. This value is applied if there is a difference of 50 to 100% between the market value and the repair value.<\/p>\n<p>[\/bohe_carousel_small_son][\/bohe_carousel_small_father][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1684640993310{background-color: #d3ceb5 !important;}&#8221; el_class=&#8221;super-balke-container-big&#8221;][vc_column][vc_row_inner el_class=&#8221;super-balke-slider&#8221; css=&#8221;.vc_custom_1689559774122{background-color: rgba(105,112,88,0.6) !important;*background-color: rgb(105,112,88) !important;}&#8221;][vc_column_inner][superbalke_father slides=&#8221;4&#8243;][superbalke_son color=&#8221;rgba(211,206,181,0.95)&#8221; produkt_link=&#8221;url:%23|title:Car%20insurance|rel:nofollow|&#8221;]<em>We speak your language<\/em><\/p>\n<p>We advise you in your mother tongue.[\/superbalke_son][superbalke_son color=&#8221;rgba(211,206,181,0.95)&#8221; produkt_link=&#8221;url:%23|title:Car%20insurance|rel:nofollow|&#8221;]<em>Advice<\/em><\/p>\n<p>Your insurance tailored to your needs.[\/superbalke_son][superbalke_son color=&#8221;rgba(211,206,181,0.95)&#8221; produkt_link=&#8221;url:%23|title:Car%20insurance|rel:nofollow|&#8221;]<em>Experience<\/em><\/p>\n<p>Many years of experience in the Spanish insurance market.[\/superbalke_son][superbalke_son color=&#8221;rgba(211,206,181,0.95)&#8221; produkt_link=&#8221;url:%23|title:Car%20insurance|rel:nofollow|&#8221;]<em>Throughout Spain<\/em><\/p>\n<p>We offer service throughout Spain.[\/superbalke_son][\/superbalke_father][vc_btn title=&#8221;more details&#8221; shape=&#8221;round&#8221; color=&#8221;btn-circle-down&#8221; align=&#8221;center&#8221; link=&#8221;url:%23|title:Car%20insurance|rel:nofollow|&#8221; el_class=&#8221;bohe-open-weitere&#8221;][vc_btn title=&#8221;close&#8221; shape=&#8221;round&#8221; color=&#8221;btn-circle-up&#8221; align=&#8221;center&#8221; link=&#8221;url:%23|title:Car%20insurance|rel:nofollow|&#8221; el_class=&#8221;bohe-close-weitere&#8221;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1684610914209{background-color: #d3ceb5 !important;}&#8221; el_class=&#8221;dunkel&#8221;][vc_column][vc_row_inner el_id=&#8221;contact-forms&#8221; el_class=&#8221;dunkel&#8221;][vc_column_inner width=&#8221;1\/2&#8243;][vc_btn title=&#8221;Calculate offer&#8221; shape=&#8221;square&#8221; color=&#8221;btn-weiter-small&#8221; align=&#8221;center&#8221; button_block=&#8221;true&#8221; link=&#8221;url:%23|title:Calculate%20offer|rel:nofollow|&#8221; el_class=&#8221;bohe-anfrage-open&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_btn title=&#8221;Arrange appointment&#8221; shape=&#8221;square&#8221; color=&#8221;btn-weiter-small&#8221; align=&#8221;center&#8221; button_block=&#8221;true&#8221; link=&#8221;url:%23|title:Arrange%20appointment|rel:nofollow|&#8221; el_class=&#8221;bohe-termin-open&#8221;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; disable_element=&#8221;yes&#8221; css=&#8221;.vc_custom_1684494136751{background-color: #d3ceb5 !important;}&#8221; el_class=&#8221;dunkel&#8221;][vc_column][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_column_text el_class=&#8221;bohe-anfrage-open&#8221;]<a title=\"Calculate offer\" href=\"#tripetto_6\" rel=\"nofollow\"><i class=\"home-icons autoversicherung\"><\/i>Calculate offer<\/a>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_column_text el_class=&#8221;bohe-termin-open&#8221;]<a title=\"Arrange appointment\" href=\"#tripetto_42-booking_autoversicherung\" rel=\"nofollow\"><i class=\"home-icons autoversicherung\"><\/i>Arrange appointment<\/a>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1684609496454{padding-top: 0px !important;}&#8221; el_class=&#8221;forms-newdetails&#8221;][vc_column][vc_row_inner el_class=&#8221;form-back&#8221; css=&#8221;.vc_custom_1684998187380{margin-bottom: 3rem !important;}&#8221;][vc_column_inner][vc_raw_html el_class=&#8221;getform&#8221;][\/vc_raw_html][\/vc_column_inner][\/vc_row_inner][vc_row_inner el_class=&#8221;anfrage&#8221; css=&#8221;.vc_custom_1684998245025{margin-bottom: 3rem !important;}&#8221; el_id=&#8221;tripetto_59&#8243;][vc_column_inner][\/vc_column_inner][\/vc_row_inner][vc_row_inner el_class=&#8221;termin&#8221; css=&#8221;.vc_custom_1684998253511{margin-bottom: 3rem !important;}&#8221; el_id=&#8221;tripetto_43|booking_car-insurance&#8221;][vc_column_inner][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1688321255222{background-color: #d3ceb5 !important;}&#8221; el_class=&#8221;dunkel&#8221;][vc_column][vc_raw_html]PGRpdiBjbGFzcz0iZmFxLWJsb2NrIj4KICA8ZGl2IGl0ZW1zY29wZT0iIiBpdGVtcHJvcD0ibWFpbkVudGl0eSIgaXRlbXR5cGU9Imh0dHBzOi8vc2NoZW1hLm9yZy9RdWVzdGlvbiI+CiAgICA8c3Ryb25nIGNsYXNzPSJzY2hlbWEtZmFxLXF1ZXN0aW9uIiBpdGVtcHJvcD0ibmFtZSI+V2hlcmUgZG8gd2Ugb2ZmZXIgb3VyIHNlcnZpY2VzPzwvc3Ryb25nPgogICAgPGRpdiBpdGVtc2NvcGU9IiIgaXRlbXByb3A9ImFjY2VwdGVkQW5zd2VyIiBpdGVtdHlwZT0iaHR0cHM6Ly9zY2hlbWEub3JnL0Fuc3dlciI+CiAgICAgIDxkaXYgY2xhc3M9InNjaGVtYS1mYXEtYW5zd2VyIiBpdGVtcHJvcD0idGV4dCI+Qm9oZW1pYSBNYWxsb3JjYSBpcyBwcmVzZW50IGluIE1hbGxvcmNhLCBJYml6YSAsIHRoZSBCYWxlYXJpYyBJc2xhbmRzLCBNYWRyaWQsIEJhcmNlbG9uYSwgQWxpY2FudGUsIFZhbGVuY2lhLCBUZW5lcmlmZSwgR3JhbiBDYW5hcmlhLCB0aGUgQ2FuYXJ5IElzbGFuZHMgYW5kIHRocm91Z2hvdXQgU3BhaW4uPC9wPgogICAgICA8L2Rpdj4KICAgIDwvZGl2PgogIDwvZGl2PgogIDxkaXYgaXRlbXNjb3BlPSIiIGl0ZW1wcm9wPSJtYWluRW50aXR5IiBpdGVtdHlwZT0iaHR0cHM6Ly9zY2hlbWEub3JnL1F1ZXN0aW9uIj4KICAgIDxzdHJvbmcgY2xhc3M9InNjaGVtYS1mYXEtcXVlc3Rpb24iIGl0ZW1wcm9wPSJuYW1lIj5XaGljaCBpbnN1cmFuY2UgY29tcGFuaWVzIGRvIHdlIHdvcmsgd2l0aD88L3N0cm9uZz4KICAgIDxkaXYgaXRlbXNjb3BlPSIiIGl0ZW1wcm9wPSJhY2NlcHRlZEFuc3dlciIgaXRlbXR5cGU9Imh0dHBzOi8vc2NoZW1hLm9yZy9BbnN3ZXIiPgogICAgICA8ZGl2IGNsYXNzPSJzY2hlbWEtZmFxLWFuc3dlciIgaXRlbXByb3A9InRleHQiPkJvaGVtaWEgTWFsbG9yY2Egc3VjY2Vzc2Z1bGx5IGNvb3BlcmF0ZXMgd2l0aCBhbGwgcmVub3duZWQgaW5zdXJhbmNlIGNvbXBhbmllcyBpbiBTcGFpbi4gQmVuZWZpdCBmcm9tIHRoZSBwcm9kdWN0cyBvZiBES1YsIFp1cmljaCwgQXhhLCBSZWFsZSwgTWFwZnJlLCBSYWNjLCBGaWF0YywgQXNpc2EsIEFyYWcsIEJlcmtsZXksIEFsbGlhbnosIEhpc2NveCwgR2VuZXJhbGksIEVyZ28sIEFncnVwYWNpw7MgYW5kIEhlbHZldGlhLjwvZGl2PgogICAgPC9kaXY+CiAgPC9kaXY+CjwvZGl2Pg==[\/vc_raw_html][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; css=&#8221;.vc_custom_1679952174958{background-color: #f4ebd0 !important;}&#8221; el_class=&#8221;dunkel&#8221;][vc_column]<div class=\"wpb_content_element footer-line dunkel\">Didn&#039;t find what you were looking for? <a href=\"\/en\/contact\/\" class=\"bohe-weiter\">Write to us<\/a><\/div>[vc_custom_heading text=&#8221;Our insurance companies&#8221; font_container=&#8221;tag:h3|text_align:center&#8221; link=&#8221;url:%2Fen%2Four-insurance-companies%2F|title:Our%20insurance%20companies|&#8221; el_class=&#8221;heading-size-3&#8243;]\t\n\t\t<div id=\"gs_logo_area_1\" class=\"gs_logo_area gs_logo_area_1 slider1\" style=\"opacity: 0; visibility: hidden;\">\n\t\t\t<div class=\"gs_logo_area--inner\">\n\t\n\t\t\t\t\n<div class=\"gs_logo_container gs_carousel_swiper gs_logo_fix_height_and_center\" data-carousel-config='{\"direction\":\"horizontal\",\"speed\":500,\"isAutoplay\":true,\"autoplayDelay\":2000,\"loop\":true,\"pauseOnHover\":true,\"ticker\":false,\"navs\":false,\"navs_pos\":\"bottom\",\"dots\":false,\"dynamic_dots\":true,\"slideSpace\":10,\"slidesPerGroup\":1,\"desktopLogos\":5,\"tabletLogos\":3,\"mobileLogos\":2,\"reverseDirection\":false}'>\n\n\t\n\t\t\n\t\t\t<div class=\"gs_logo_single--wrapper\">\n\t\t\t\t<div class=\"gs_logo_single\">\n\n\t\t\t\t\t<!-- Logo Img -->\n\t\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"100\" src=\"https:\/\/bohemia-mallorca.com\/wp-content\/uploads\/2022\/11\/dkv-seguros-mallorca-versicherungen-salud-gesundheit-espana.png\" class=\"gs-logo--img wp-post-image\" alt=\"DKV seguros Mallorca\" title=\"1-DVK\" \/>\n\t\t\t\t\t<!-- Logo Title -->\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<!-- Logo Category -->\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\n\t\t\t<div class=\"gs_logo_single--wrapper\">\n\t\t\t\t<div class=\"gs_logo_single\">\n\n\t\t\t\t\t<!-- Logo Img -->\n\t\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"100\" src=\"https:\/\/bohemia-mallorca.com\/wp-content\/uploads\/2022\/11\/zurich-seguros-mallorca-versicherungen-hogar-hausrat-spanien.png\" class=\"gs-logo--img wp-post-image\" alt=\"Zurich seguros Mallorca\" title=\"2-Zurich\" \/>\n\t\t\t\t\t<!-- Logo Title -->\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<!-- Logo Category -->\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\n\t\t\t<div class=\"gs_logo_single--wrapper\">\n\t\t\t\t<div class=\"gs_logo_single\">\n\n\t\t\t\t\t<!-- Logo Img -->\n\t\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"100\" src=\"https:\/\/bohemia-mallorca.com\/wp-content\/uploads\/2022\/11\/axa-seguros-mallorca-versicherung-hogar-hausrat-spanien.png\" class=\"gs-logo--img wp-post-image\" alt=\"Axa seguros Mallorca\" title=\"3-Axa\" \/>\n\t\t\t\t\t<!-- Logo Title -->\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<!-- Logo Category -->\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\n\t\t\t<div class=\"gs_logo_single--wrapper\">\n\t\t\t\t<div class=\"gs_logo_single\">\n\n\t\t\t\t\t<!-- Logo Img -->\n\t\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"100\" src=\"https:\/\/bohemia-mallorca.com\/wp-content\/uploads\/2022\/11\/allianz-seguros-mallorca-versicherung-auto-coche-spanien.png\" class=\"gs-logo--img wp-post-image\" alt=\"Allianz seguros Mallorca\" title=\"4-Allianz\" \/>\n\t\t\t\t\t<!-- Logo Title -->\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<!-- Logo Category -->\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\n\t\t\t<div class=\"gs_logo_single--wrapper\">\n\t\t\t\t<div class=\"gs_logo_single\">\n\n\t\t\t\t\t<!-- Logo Img -->\n\t\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"100\" src=\"https:\/\/bohemia-mallorca.com\/wp-content\/uploads\/2023\/07\/alc_logo.png\" class=\"gs-logo--img wp-post-image\" alt=\"ALC global health seguros Mallorca\" title=\"ALC global health\" 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