Comprehensive insurance with excess | Occident

Comprehensive Car Insurance with excess

What is covered by our comprehensive insurance with excess

Civil liability for driving motor vehicles is legally required in order to be able to drive motor vehicles. It allows you to cover the damages you may cause to third parties if you cause an accident.

In case of cracks or breakage, we repair your vehicle's windows, going to your home if required for your convenience.

Coverage of material damage in the event of fire or explosion, when the vehicle is stationary or moving.

We offer repair of damage caused in the event of attempted theft of your vehicle, total theft or theft of a fixed part of your vehicle.

Being a comprehensive insurance policy, we will also take care of all the damages that your vehicle may suffer, including tyres.

So nothing can stop you, this optional coverage provides you with a replacement vehicle at the company's expense in the event of loss or theft, for up to 30 days in the event of total theft.

With this optional coverage, you can rely on our paperwork service whenever you need to complete complex or cumbersome administrative procedures, such as buying and selling a car, deregistering a vehicle or requesting duplicate documentation, among other procedures.

In the event of loss or theft of your vehicle's keys, we will pay you a capital sum to replace them with this optional coverage.

Services included in our Comprehensive car insurance with excess

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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.

Go to Defence against traffic fines

We notify you of your traffic fines

Receive information immediately if you are fined.

Appeal before the deadline.
Reduce the fine by 50% thanks to prompt payment.
Total privacy.

Go to Notification of traffic fines

If your car is a write-off, we offer you a replacement

Has your car been declared a write-off? We manage the search for and purchase of another vehicle for you.

Forget about the paperwork.
Keep your insurance policy's terms and conditions.
1-year guarantee.

Go to Your car for another one

We will take care of all the procedures for your car

From vehicle registration to purchase and sale contracts. Forget about paperwork.

More than a dozen procedures.
In less than 48 hours.
By specialised professionals.

Go to Vehicle management

Your car and you, more connected than ever

A smart device with exclusive services and additional protection for your vehicle.

SOS help button.
Geolocation in the event of theft.
Statistics on your driving style.

Go to E-car emergency

Your trusted workshop

Benefit from all the advantages of our AutoPresto workshop network: priority repairs, free cleaning and much more.

€60 discount on the excess.
Up to 3 years' guarantee.
Express repair.

Go to AutoPresto

Courtesy service

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.

Go to Telephone medical advice

Courtesy service

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.

Go to Legal advice helpline

Are you already insured?

Improve your insurance with Occident.

We'll let you know so you can review it and help you make the change.

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FAQs

Going to one of the more than 300 AutoPresto garages available brings with it a series of advantages for Occident comprehensive insurance policyholders with excess, notably including the following:

Courtesy vehicle.
€60 discount on each excess.
Immediate assessment of your vehicle and preferential service.
Keeping the discount level of your policy.
Vehicle collection and delivery service to your home.
Interior/exterior cleaning service and general condition check of your vehicle.
Guarantee of up to 3 years for all repairs.

If, for example, the vehicle's driver has an accident with material damage to their car, the insurer will be in charge of repairing and paying for it as long as it exceeds the excess that has been established. When choosing the excess, you should keep in mind that this is the maximum amount that you will pay in the event of an accident. If the costs are higher, Occident will pay the difference.

The excess is nothing more than the amount that you, as the customer, would have to assume in the event of a claim. It will always be the same and will be determined in advance. With it you can reduce the price of the premium. With it you can reduce the price of the premium. There are different deductible brackets, the higher the amount that you will have to pay for the repair of the car, the more affordable the price of the insurance with deductible will be.

In turn, with comprehensive insurance without excess, you will never have to pay for anything; the insurance company will pay for the entire cost of the claim.

FAQs

Comprehensive Car Insurance with excess

What makes our comprehensive insurance with excess different

For good driving

Total travel assistance

Extended coverage

What is covered by our comprehensive insurance with excess

Civil Liability

Breakage of vehicle glass

Fire

Theft

Own damage

Replacement vehicle

Paperwork services

Duplicate keys

Services included in our Comprehensive car insurance with excess

Defence against traffic fines

Notification of traffic fines

Your car for another one

Vehicle management

E-car emergency

AutoPresto

Telephone medical advice

Legal advice helpline

We help you to appeal against your fines

We notify you of your traffic fines

If your car is a write-off, we offer you a replacement

We will take care of all the procedures for your car

Your car and you, more connected than ever

Your trusted workshop

A doctor at your disposal 24 hours a day

A lawyer when you need one most

Are you already insured?

FAQs

What are the advantages of using our network of AutoPresto garages?

What is excess in car insurance?

What is the difference between comprehensive car insurance with and without excess?

Consult documentation

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