We offer unrivalled car insurance policies and prices for expatriates that live in Spain permanently or temporarily. We offer a product specially made to suit you. A wide range of covers for your car insurance that you can customise and adapt to your needs at your own convenience. We supply an Insurance Policy you can trust.

Plus all these benefits

• We offer total coverage to driver and passengers in the event of an accident. We also provide roadside assistance from mile zero and take care of managing your fines.
• Now you can insure your car with one of the most important insurance companies worldwide, with almost 100 years offering services and products related to the protection of goods worldwide and with over 100,000 international clients in Spain.
• Good drivers can earn a no-claims discount of up to 65%
• The value of the vehicle is considered “as new” for total loss, fire or theft claims during the first two years.
• Help with processing fines.
• Personal Accident Cover for the driver (compensation and monthly income).
• Extended Travel Assistance Cover: (24 hours a day, 365 days a year).Extended Roadside Assistance cover (24 hours a day, 365 days a year). The costumer is given a card with the assistance telephone numbers, enclosed with the policy, for Spain and abroad.
• Roadside assistance from kilometre zero.
• Free choice of vehicle repair shop.
• Damage caused to the interior upholstery of the insured vehicle, when the policyholder has helped a victim in an accident, for up to maximum of €300.

Creation of the “Named Driver” category. This is a new concept in the market, for which the main appeal to customers, who meet the requirements for this category, the main appeal to customers who meet the requirements, lies in a price reduction of their insurance.

Advantages on your life insurance

• Life insurance ensures greater peace of mind for you and your loved ones.
• Liberty Life integrates a full range of coverage so that no matter what happens, you and your loved ones will be completely protected.

Plus all these benefits and with Liberty Life insurance you will enjoy protection against:

• Risk of accidents, including transport or travel.
• Disability.
• Damage due to pollution risks.
• Serious illness.
• Death.

Optional Life Insurance Cover

We are able to offer you the most comprehensive insurance.

• Additional cover in case of Death by accident.
• Additional cover in case of Death by traffic accident.
• Total and permanent disability.
• Additional cover in case of Total and Permanent Disability by accident.
• Additional cover in case of Total Disability by traffic accident.
• Serious Illness.

Commercial Premises Insurance

Advantages with our commercial premises insurance

• We know how important your business is to you. That’s why we’re by your side. Please contact us to arrange insurance for your commercial premises and take advantage of all of these benefits.
• Commercial Premises service 24 hours a day, 365 days a year, through just a simple phone call.

Plus all these benefits

• We consider your insured goods at their value as new. In accordance with the terms of the policy, we provide compensation based on the cost of rebuilding as new. The contents are insured with “as new” value for their replacement.
• The sum insured is updated annually, assuring that your insured sums are not out of date and that the adequate amount is compensated in the event of a claim.

• Damage due to pollution risks.
• Compensation of Sums Insured: If the insured value of building or content is too high, the excess can be distributed to the other cover, to avoid a shortfall.
• Claims for damages on your behalf against the party causing the damage to the insured goods, in the event of risks or amounts not covered by the policy.

Advantages on your boat insurance

• Mandatory civil liability insurance, with a sum insured limit of 336,566.78 €
• Death or bodily injuries to third parties: 120,202.42 € with a maximum limit per claim of 240,404.84 €
• Material damage and economic loss: 96,161.94 €

Plus all these benefits

• Voluntary public liability insurance, which extends and complements the mandatory public liability insurance limits.
• Damage to the boat itself, covering: the hull, engine, sails, masts, auxiliary craft, special fixtures and equipment, personal belongings and trailer.
• Claim for damages, caused by third parties to the insured boat or to any of its occupants.
• Total theft of the boat and/or its auxiliary craft.
• Wreckage removal.

• Damage due to pollution risks.
• Damage due to coastal regattas in Spanish territorial waters.
• Accidents: loss of life or bodily injuries of occupants while on-board the insured boat, or when boarding and/or disembarking from the insured boat are covered. Cover includes:
• Death.
• Permanent disability.
• Medical and pharmaceutical assistance.
• Funeral expenses.

Basic Cover

Damage occurring to the hull, motor, sails, accessories, personal effects and trailer.

• Vandalism while on land.
• Total theft of the boat and/or auxiliary vessel.
• Removal of debris.
• Damage caused as a result of pollution hazards.
• Damage caused while engaged in coastal regattas.
• Damage when loading and unloading during transportation by land.
• Accidents to passengers/water-skiers/skipper: including cover for death, permanent disability, medical/pharmaceutical assistance and burial expenses.
• Claims for damages, deposit of bail bonds and defense.
• Nautical assistance.

Advantages on your community insurance

• Cover the risks that jeopardise the habitability and comfort which all communities must provide to their owners and families.
• Flexibility to adapt to each community´s needs.
• Possibility of insuring community furniture.

Plus all these benefits

• Legal protection/claims for damages.
• The option to lower the premium with excess.
• Automatic adjustment of insured sums and premiums.
• Coverage of the proportional amount of property co-owned with another community.

Basic Cover

The product offers competitive benefits in all aspects, in terms of the scope of cover and of application and competitive rates.

Material damages to the community building and furniture

• Fire, smoke, impacts, explosion and lightning.
• Acts of vandalism.
• Electrical damages.
• Risks due to natural disasters.
• Flooding.
• Spillage from automatic fire extinguisher installations.
• Damage to underground pipes.
• Theft, robbery and damages.
• Aesthetic restoration of building and contents.

Costs related to material damages.

• Demolition and debris clear up costs.
• Firefighting costs.
• Mud cleaning costs.
• File restoration.

Community assistance.

• 24 hours for claims.

Optional Cover

The product offers competitive benefits in all aspects, in terms of the scope of cover and of application and competitive rates.

• Broken windows.
• Non-payment of community quotas.
• Water damage.
• Civil liability and bail.
• Civil Liability of the governing board.
• Machinery Damage.
• Individual accidents.
• Employee Dishonesty.
• Legal Protection/Claims for damages.

Advantages on your accidents insurance

• In case of accidental death, an advance payment can be requested for urgent expenses.
• Flexibility in terms of covers, guarantees and sums insured, which adapt to your needs.
• Free choice of a physician for health care expenses due to accident.
• Progressive formulas for permanent disability at 225″ or 350%.
• The lower the insured´s professional risk, the lower the premium.
• Significant discounts are provided to increase the grace period in the event of temporary disability.
• Automatic adjustment of insured sums.

Basic Cover

• Accidental death.
• Accidental permanent disability.
• Daily compensation for hospitalization arising from accident.
• Travel and home assistance.

Optional Cover

• Monthly income due to accidental death.
• Death due to a traffic accident.
• Death of the insured and spouse caused by the same accident.
• Monthly income due to accidental total permanent disability.
• Permanent Disbility due to a traffic accident.
• Accidental major disability.
• Death due to a heart attack.

Types of Cover

1. 24 hour covers

• For accidents suffered by the insured, both while carrying out his/her regular occupation and in his/her private life.

2. Professional risk cover

• Accidents suffered by the insured while performing his/her regular occupation.

3. Extraprofessional risk cover

• Accidents suffered by the insured in his/her private life.

The advantages of our pet insurance

This insurance policy offers third party damages and public liability cover.

• Enjoy peace of mind knowing that Liberty takes care of all physical and material damages caused by your pet, up to €300,000.
• Help! My pet has gone missing! In the event of your pet going missing, we will help you find your pet, including the cost of locating your pet and accommodation.
• In the event of an accident or illness. Liberty provides your pet with the best veterinary care. In the event of death, any expenses arising will be covered to help you during this difficult event.
• Who will take care of my pet if I have to go into hospital? Don’t worry, your pet will not be neglected, and will enjoy a stay at a pet hotel. When you can’t watch your pet, we will take care of it as you would.

Protect your pet
This policy is perfect for dog and cat owners who wish to protect their pet and any expenses that may incur.
In addition, there is a LibertyPets policy to suit every pet.

• Libertypets Small. For cats and dogs up to 9 kilos.
• Libertypets Medium. For dogs between 9 and 15 kilos. Examples: Beagle, French Bulldog, Bull Terrier, Dalmatian, English Setter, etc.
• Libertypets Large: For dogs over 15 kilos. Examples: Boxer, Doberman, German Pointer, Spanish Greyhound, Golden Retriever, German Shepherd, etc.

Cover
Your insurance benefits are covered anywhere in Europe.
Legal advice
Your pet insurance includes a phone helpline, which provides: Information, Advice service and Legal assistance.
Theft cover
Liberty Seguros offers a special cover for this difficult situation.
And many advantages…
At Liberty Seguros we reward you for your loyalty. If you are a Liberty Seguros customer and purchase this insurance, you shall benefit from a 5 discount for company customers, a helpline in your language and public liability cover if you already have Liberty Home insurance.