What makes our licence withdrawal insurance for self-employed workers different
With our Driver legal protection insurance, we will provide legal advice and take care of your defence, as well as protecting your interests when you drive, whether professionally or for personal reasons. We offer a full range of guarantees to help you solve everyday problems that can occur when you are behind the wheel.
What our legal protection insurance for self-employed drivers covers
- Legal advice helpline
- Consultation by email, including drafting contracts and claims letters and reviewing documents and contracts.
- Legal advice in person for any situation covered by the policy.
- Supplementary in-person legal advice for situations not covered by the policy.
The location of traffic offences, advice on and preparation of documents in administrative procedures in the event of such offences, including legal defence and/or representation in court.
We also take care of your legal defence in the event of temporary withdrawal of your driving licence and provide you with a 24-hour service for any legal query related to accidents and traffic fines, theft of your vehicle, or immobilisation of the vehicle or its cargo by the traffic authorities.
We cover the expenses when it is necessary to carry out an expert appraisal for vehicle repairs, due to breakdown or accident, for an amount greater than €300.
In cases where have your driving licence withdrawn due to the loss of points or arising from psycho-physical causes, you will be entitled to an economic benefit, in accordance with the conditions set out in your policy.
Furthermore, if you are a professional driver, we offer you the possibility of compensating you by means of a subsidy in cases where there is a final court ruling or when your driving licence has been revoked after being involved in an accident.
And if you are a lorry or bus driver, we will subside the Professional Aptitude Certificate (C.A.P.), if you complete it at an officially recognised centre.
We help you by covering the cost of the courses necessary to recover points on your driving licence or to recover it when it has been withdrawn, provided that the course is taught in an authorised centre and you provide documentary proof that you have completed it satisfactorily.
Our Legal protection for drivers insurance will also be useful when you cannot use your vehicle due to breakdown, accident or theft, as you will have financial assistance to hire another vehicle or offset any additional expenses that may arise from this situation.
In addition, your legal protection for drivers policy includes telephone advice for all administrative procedures you need to carry out with Provincial Traffic Headquarters.
If you are a professional driver, you can complete your policy with the following additional coverage:
- International guarantee, which consists of extending the subsidies for the loss of driving licence, anywhere in the world.
- Subsidy for loss of licence for the transport of dangerous goods.
- Reimbursement of premiums for non-claims.
- Subsidy for temporary incapacity to work or unemployment.
For professional drivers, if you opt for this cover you will have a series of services available to you that will give you greater peace of mind when you are driving:
- Supplying a professional driver, in Spanish territory, in the cases included in your policy.
- Advance of bail and/or legal defence expenses abroad.
- Search and transport of luggage and personal belongings abroad.
- Sending of urgent messages, when you are outside of Spain.
Likewise, if you accidentally sustain an injury while you are more than 30 kilometres from your usual residence in any part of the world, we will cover your healthcare:
- Taking care of the transport to a hospital.
- Covering medical expenses according to the amounts indicated in the policy.
- Providing a return ticket to a relative or designated person, in the event of your hospitalisation for more than 10 days.
Services included in Driver legal protection for self-employed workers
We help you to appeal against your fines
Do you disagree with a fine you have received? Leave it to us.
- In under 1 minute.
- Without leaving the house.
A doctor at your disposal 24 hours a day
We put you in contact with a professional by telephone or video call to answer any health-related query you may have.
- At any time of the day, wherever you are.
- Immediate attention, with no waiting lists.
A lawyer when you need one most
Resolve any legal matter that may arise in your private or family life.
- 24 hours a day, 365 days a year.
- No limit on consultations.
- Social Security administration procedures and claims for Social Security benefits.
FAQs
The insurance is designed for people who use their vehicle regularly, for personal or professional reasons:
- Professional drivers: lorry drivers, taxi drivers, delivery workers, etc.
- Sales staff: agents, representatives, etc.
- Building workers: bricklayers, painters, electricians, etc.
- Farmers
- Private individuals who need to travel to work by car or who have a second home to which they frequently travel in their vehicle.
The Driver legal protection policy includes coverage that is not found in normal car insurance policies, including:
- Legal defence without exclusions if your driving licence is suspended.
- Defence regarding penalties in administrative litigation courts.
- Subsidy for the loss of driving licence points.
- Payment for licence recovery courses after the licence has expired.
- Rental of replacement vehicle or subsidy if your vehicle cannot be driven.
All drivers have an initial balance of points. As a general rule, the balance is 12 points, although there are exceptions: newly qualified drivers and people who have recovered their licence only have 8. Serious or very serious infringements lead to points being deducted, which can lead to the loss of all your points. Professional drivers can recover part of the points each year, while non-professional drivers can do so every 2 years.
Send us the fine. Our legal team will analyse your case and draft an appeal. If it is not accepted, they will defend your interests in court proceedings.
An expert appraiser will be responsible for drafting a detailed report with all the events that have taken place to initiate the claim. If it is not accepted, the expenses covered will be claimed legally.