The Consorcio de Compensación de Seguros only can take on the contracting of the Compulsory Motor Vehicle Insurance in exceptional circumstances, in those cases where the risks that are to be covered have not been accepted by private insurance companies.

For this reason, the Consorcio cannot act as any other insurance company, competing with the other companies. It does not have a commercial nature, nor can it accept insurance requests due to the price; it can only contract the insurance in the case that the vehicle's insurance has already been rejected on the insurance market by at least two insurance companies.

No. The Consorcio only can take on the contracting of the Compulsory Motor Vehicle Insurance in exceptional circumstances if the risk has been rejected by private insurance companies. If there is a private insurance company that will cover the aforementioned risk, the Consorcio cannot agree to contract it, due to the legal requirement that states that the risks dealt with must have not been accepted by insurance companies.

Yes, you must indicate the names of at least two insurance companies that have not accepted the risk you wish to contract and that have informed you of this rejection using any means admitted by law.

You do not have to provide a certificate indicating your claim history. On the other hand, you must have the communications from at least two insurance companies where the rejection of the insurance is shown.

In principle, it is not necessary for you to send these communications; it is sufficient for you to read their contents, therefore you should have them at hand when you are going to contract the insurance by telephone. Subsequently, you must keep these communications at the Consorcios disposal.

The Regulation for the Compulsory Civil Liability Insurance obliges the insurance companies that reject or do not accept to contract the compulsory insurance to inform the interested party by any means accepted by law (Article 5.2 of the Regulation for the compulsory civil liability insurance in motor vehicles, approved by the Royal Decree 1507/2008, of the 12th of September, O.S.G. of the 13th of September, 2008).

Yes, as the insurance agent is a mediator AFFECTED or LINKED to the Insurance Company. The insurance agent must issue the rejection communication, expressly mentioning the insurance company where he or she works as an insurance agent and the number with which the agent is registered in the aforementioned company.

Yes. An insurance broker is an independent mediator for the companies and he or she acts as an expert advisor for the insured party in the search for the insurance policies that best meet his or her requirements. It should be understood that, during this work in the search for motor vehicle insurance for his client, the broker has received rejection replies from insurance companies in his condition as representative of the rejected client.

The Consorcio de Compensación de Seguros can contract the Compulsory Civil Liability Insurance for motor vehicles. This is the insurance that covers the damages caused to third parties with the compensation limits for personal injuries and material damages that the legislation establishes.

The law does not attribute any other type of cover to the Consorcio de Compensación de Seguros, such as own damages, vehicle theft, claims for damages, legal defence, etc.

Injuries to people and damages to the goods with the cover limits established by the Law on civil liability and insurance for motor vehicles, which are the following:

• Injuries to people: 70 million euros, however many victims there are.
• Damages to the goods: 15 million euros per claim.
• Medical, pharmaceutical and hospital care: as much as might be necessary until healing or consolidation of after-effects, whenever the expense is correctly justified.
• Funeral expenses: according to the customs and practices of the place where the service is provided, in the amount that may be justified.

If the amount to be compensated for either of the two types of damages mentioned above were to exceed the legal limit set for this type of damages of injuries, the difference will be compensated charged to the excess available for other types of damages, if there were any.

Currently, the Consorcio only offers the compulsory form of contracting, since the latest legislative modification for the quantitative limits of the compulsory insurance have meant an important increase in these limits from 350,000 euros to 70 million de euros in injuries to people and from 100,000 euros to 15 million euros in damages to the goods, and therefore, the voluntary civil liability cover that previously was granted has become integrated into the compulsory cover that we offer now.

NO. At the moment, the Consorcio only offers the compulsory insurance modality, as it understands that the legal limits of this form are sufficiently high.

This insurance DOES NOT COVER THE INJURIES THAT THE DRIVER MIGHT SUFFER (article 5.1 of the Law on Civil Liability and Insurance for Motor Vehicles).

The insurance DOES NOT COVER THE MATERIAL DAMAGES CAUSED TO THE OWN VEHICLE OR TO THE ITEMS TRANSPORTED IN IT, NOR THE THEFT OF THE VEHICLE (article 5.2 of the abovementioned Law).

As it must be limited by Law to the cover for civil liability, this insurance DOES NOT INCLUDE other covers, such as CLAIM FOR DAMAGES, LEGAL DEFENCE, TRAVEL ASSISTANCE, etc.

The exact price of the receipt to be paid in terms of the vehicle's characteristics may be supplied. Therefore, you can find out the exact amount either through the Call Centre (900 222 665) or using the Consorcio's web site in the section for electronic contracting of the civil liability insurance for private vehicles.

You do not have to supply any documentation since the insurance is exclusively contracted by telephone or electronically using the Consorcio's web site, but in order to contract it, you must provide some personal information and data about the vehicle. This information will appear on the contract therefore, in the case of electronic contracting, in order to prevent any mistakes on it and to guarantee the truthfulness of the data, the telephone conversation will be recorded.

This recording of the telephone conversation will have the effect of the declaration of the risk and request for Insurance.

The accuracy of the data that you declare is very important, as this will prevent cover problems arising at a later date when a claim is made.

On the one hand, the name of at least two private insurance companies from which you have requested the Vehicle Insurance and which have communicated their refusal to contract it (article 5.2 of the Regulation for the Compulsory Civil Liability Insurance for motor vehicles).

The rest of the data that will be requested is indicated in the documents stated below; therefore they should be kept at hand. It is very important that you should have them in front of you when you are going to contract the insurance, since as has been mentioned above, it is essential that the details you provide are correct, as they are the ones that will be recorded on the contract.

Documents in which the necessary data is included:

• Identification document of the policy holder, of the owner and of the driver (Fiscal Identification Number or Code, Residency Permit, Passport, etc.). The person who is going to sign the contract must have the legal capacity do so (full legal age).
• Driver's licence or permit corresponding to the vehicle to be insured.
• Vehicle Registration Document.
• Certificate of the Technical Characteristics of the Vehicle on which the up to date Vehicle Technical Inspection (MOT) is recorded.

Likewise, in the case of contracting the insurance electronically it is essential to have an electronic certificate or electronic Identity Card and a bank card with which to pay the premium.

Once the interested party contracts the insurance by telephone, the Consorcio issues the receipt, which must be paid within a period of 15 natural days from the date on which the contract has been made, in any office of the Collaborating Entities of the Consorcio de Compensación de Seguros, BBVA or Banco Santander, from Monday to Friday, from 9 am to 11.30 am.

When contracting the insurance electronically, the Premium will be paid using a bank card during the contracting process.

If you do not make the payment within this period, as indicated on the receipt, your contract will be terminated, in accordance with that established in the Insurance Contract Act (Articles 14 and 15).

With electronically contracted insurance, the premium will be paid using a bank card during the contracting process.

No. The receipt must be paid in a single payment at any office of the BBVA or of the Banco Santander, from 9 am to 11.30 am, from Monday to Friday, within the period of 15 natural days from the date of the contracting of the policy and when the insurance has been contracted electronically, the premium will be paid using a bank card during the contracting process.

The documentation corresponding to the Contract, that is to say, the General Conditions, the Particular Conditions, two copies of the "traffic accident report by mutual consent" form and an information sheet that summaries the characteristics of the insurance policy that you have contracted, will be sent by post to your home address immediately after you have paid the receipt.

When the insurance has been contracted electronically, the Premium will be paid using a bank card using the safe server belonging to the Banco Santander S.A. and once the transaction has been accepted, a confirmation screen will appear for the contract made, in such a way that the user can print and/or save in PDF format the files with the documentation of the contracted policy.

You have insurance cover from the moment you contract the insurance using the Call Centre (902.222.665 / 952367042) or electronically using the Consorcios web site.

However, in the case of contracting the insurance by telephone, you must pay the receipt at any office of the BBVA or the Banco Santander (from 9 am to 11.30 am) before 15 natural days have passed since the contract was made by telephone. To the contrary, the insurance policy will be cancelled.