Civil Liability

Individual civil liability insurance

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What makes our civil liability insurance different

Our Individual civil liability insurance covers you against incidents that affect your private interests and assets, and also against personal or material damage that you or a member of your family may cause unintentionally. All this, with exclusive added services designed to increase your protection.

Compensation for damages

Our third-party civil liability insurance provides you with the capital amount contracted to cover compensation to third parties for bodily injury and damage to property.

Legal protection

If you need it, you will have a full legal protection service, with criminal defence and claims for damages, with the assistance of experts in civil law.

Legal expenses covered

You will be covered for expenses arising from both legal defence and any bail that may be required.

Categories of our civil liability insurance for individuals

Family Civil Liability covers your actions as the person who is the head of a family and also for the people who are legally dependent on you, in the scope of your private life. A complete insurance policy designed to handle unforeseen events with complete peace of mind.

Besides the coverage for family civil liability, accidental damage that you may cause to a rented property if you are a tenant is also covered.

You will be covered for civil liability as the owner or keeper of pets in your private life. Our pet civil liability insurance gives you peace of mind for any damage your pet may cause to others.

This type of insurance covers your civil liability as owner, tenant or usufructuary of an insured property. There are different types of insurance depending on the type of property:

Individual home: flat, semi-detached house or detached single-family home.
Buildings: consisting of dwellings (with or without premises), shops, offices and industries.
Commercial premises: shops, offices, industries and warehouses.
Other properties: estates, industrial estates and undeveloped plots.

When hunting and surface fishing, in both cases in the sporting and private sphere, our civil liability insurance covers material and bodily damages to third parties and the economic damages arising from such damages. Protection includes Spain, Andorra and European Union countries.

When practising private spearfishing, we guarantee cover for bodily injury and material damage, together with financial compensation to cover the losses associated with such damage. The geographical scope of cover includes Spain, Andorra and the states that make up the European Union. Learn more at:

Liability cover as the owner or private user of non-motorised land vehicles in the following categories:

Amateur cyclist and bicycle user.
Personal mobility vehicle (PMV).
Other non-motorised land vehicles.

Services included in our individual civil liability insurance

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

FAQs

Designed for people, with or without a family, who are looking for a complete insurance policy that defends their interests and assets in the event of claims for damages caused to third parties in their private life.

Our personal civil liability insurance covers you for a broad range of situations in your everyday life. Some examples:

When you are shopping and unintentionally knock a valuable object off the shelf or drop the item you are holding.
Your son throws a stone or a ball while playing and breaks the neighbour's window pane.
Your young daughter throws a sharp object out of the window while playing and injures a pedestrian walking on the pavement. You cause a traffic accident while riding your bicycle.
You cause a traffic accident while riding your bicycle.
A friend visits your house and the dog/cat injures him.
While drilling a hole in the wall to hang a picture up, you puncture a built-in pipe and cause water damage.
While walking the dog, the dog collides with a cyclist, knocking the cyclist off the bike and causing injury.

The civil liability insurance covers damages to third parties. Consequently, in the event of an accident with the electric scooter, Occident will cover damages to third parties up to the limit of the capital taken out. If you are also interested in covering the vehicle, you have at your disposal a specific insurance for electric scooters. You can check coverage and information in our Personal mobility insurance.

It is not possible to take out civil liability insurance online. However, at Occident you can take out insurance remotely by calling us. Our experts will advise you at all times and you will be able to take out the insurance directly by calling us. To get the price of private civil liability insurance, call us now or request a call back.

FAQs

Individual civil liability insurance

What makes our civil liability insurance different

Compensation for damages

Legal protection

Legal expenses covered

Categories of our civil liability insurance for individuals

Family Civil Liability

Domestic Animal Civil Liability

Property Civil Liability

Hunting and Sports Fishing Civil Liability

Non-motor Vehicle Civil Liability

Services included in our individual civil liability insurance

Telephone medical advice

Legal advice helpline

A doctor at your disposal 24 hours a day

A lawyer when you need one most

FAQs

Who are these types of insurance intended for?

What kind of situations can be covered by this insurance?

Does civil liability insurance cover my electric scooter?

Can I take out civil liability insurance online?

Consult documentation

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