Car insurance

 

33. Indemnity clause

 

2. Excluded risks

 

a. Those that do not give rise to an indemnity according to the Insurance Contracts Act.

 

b. Damage and losses caused to people or things insured by insurance contracts other than those that include an obligatory surcharge on account of the Insurance Compensation Consortium.

 

c. Those due to inherent faults or defects in the insured object or to an evident lack of adequate maintenance.

 

d. Those caused by armed conflict, even when no declaration of war has been made.

 

e. Those derived from nuclear energy, without detriment to the terms of the Nuclear Energy Act (Act 25/1964 of 29 April). Notwithstanding the foregoing, direct damage caused to an insured nuclear plant shall be understood to be included when such damage occurs as a result of an extraordinary event affecting the plant itself.

 

f. Those due to the mere passage of time and, in the case of goods that are fully or partially submerged on a permanent basis, those attributable to the mere action of waves or ordinary currents.

 

g. Those caused by natural phenomena other than those set forth in Article 1 of the Regulations on Extraordinary Risk Insurance and, in particular, those caused by a rise in the water table, hillside movements, landslides or soil settlement, falling rocks and other similar phenomena, except where they are obviously caused by the action of rain water that has, in turn, caused extraordinary flooding in the area and they occur simultaneously with said flooding.

 

h. Those caused by commotions arising during the course of meetings and demonstrations carried out according to the terms of General Act of Parliament 9/1983 of 15 July, which regulates freedom of assembly, as well as during the course of legal strikes, unless said commotions are classifiable as extraordinary events pursuant to Article 1 of the Regulations on Extraordinary Risk Insurance.

 

i. Those caused by bad faith on the part of the insured.

 

j. Those derived from claims occurring during the waiting period stipulated in Article 8 of the Regulations on Extraordinary Risk Insurance.

 

k. Those occurring prior to payment of the first premium or when, pursuant to the terms of the Insurance Contracts Act, the cover provided by the Insurance Compensation Consortium has been suspended or the insurance has been terminated due to non-payment of premiums.

 

l. Indirect damage or losses arising from direct or indirect damage other than the loss of profits as defined in the Regulations on Extraordinary Risk Insurance.

 

In particular, damage or losses sustained as a result of cuts or alterations in the exterior supply of electricity, fuel gases, fuel oil, gas oil and other fluids are not covered, nor are any indirect losses or damage other than those set forth in the preceding paragraph, even when such alterations arise from a cause included in the extraordinary risk cover.

 

m. Claims that, due to their magnitude or severity, are classified by the Spanish government as a "catastrophe or national disaster".

 

 

 

3. Deductibles

 

Insurance products   

 

Sociedad de Agencia de Seguros Vinculada...     Linked insurance agency 

 

Glossaries

 

Liberty Quality Motor (Car insurance)