A Motor Insurance Policy should always correspond firstly to the legal requirements regarding the obligation to insure the Civil Liability arising from the circulation of the insured vehicle, for property and non-property damage resulting from personal or material injuries caused to third parties. It may additionally include protection against losses or damages suffered by vehicles, their occupants and luggage, resulting from the contracted risks.

The determination of the capital to be insured is always the responsibility of the Policyholder and must meet the following criteria:

Civil Liability: at least the capital required by law

Damages to the Vehicle: The Insurance Capital will be determined, at the time of conclusion of the contract, by applying the percentage of devaluation of the value of the vehicle, taking into account the date of its first registration and value of the vehicle at that date. This value will always correspond to the market value.

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