What does Agricultural Machine Drivers' Insurance cover?

  • Discover the coverage in detail:

    • Compulsory public liability: Requirement to compensate a third party for damages caused by the use of a vehicle when the Insured is deemed civilly liable for said damages by virtue of the Law on Public Liability and Motor Vehicle Insurance, provided both the owner and driver of the vehicle at issue are insured.
    • Additional or voluntary public liability: In addition to mandatory public liability, a limit of up to €50,000,000 is available for any compensation due.
    • Public liability for cargo: This covers the non-contractual public liability of the driver and/or owner for damages caused to third parties deriving from objects or goods transported in the insured vehicle up to a limit of €60,000.
    • Public liability for vehicle fire: Covers public liability in the event of a fire in the vehicle for damages caused to third parties resulting from the fire originating in the insured vehicle when said vehicle is parked. €60,000 limit.
    • Public liability for work performed: Guarantees the payment of compensation as a result of the civil liability arising from damage caused to third parties by agricultural or livestock works up to the guaranteed limit in particular conditions. Limit: in accordance with the amount of coverage taken out of €30,000 / €60,000.
    • Windshield: The windshield, rear windows and side windows are covered, including the value of the glass and the costs of fitting/repair up to €600 per claim.
    • Fire, theft and total loss: Covers partial damage or the loss of the insured vehicle as a result of fire, theft or an accident.
    • Within the limits established in the policy, this coverage includes partial damage to or the total loss of the vehicle as a result of an accident caused by an external, violent and instant event that has no connection to the will of the driver, at a time when the vehicle is being driven, is stationary or is in transit. Therefore, the following damages are expressly included in the insurance coverage:
      • If the vehicle overturns or falls, or collides with other vehicles or with any other moving or stationary object.
      • If land, bridges or roads collapse.
      • Malicious acts performed by third parties, provided the insured has made every effort to prevent them and the act at issue is not caused by terrorism, revolt, sedition, an uprising, riot or acts performed by armed forces or law enforcement authorities in times of peace, coverage of which shall be provided by the Consorcio de Compensación de Seguros [Insurance Compensation Consortium] in accordance with the terms and conditions of Article 29.
      • Accidents arising from defective equipment, manufacturing defects or poor maintenance, wherein it is understood that the insurer's coverage in such situations is limited to repairing the damage caused by the accident rather than repairing the defective or poorly maintained parts.
      • Damage or faults caused to the interior upholstery of the insured vehicle, occasioned through helping accident victims, up to €300.
      • Broken glass, in accordance with the scope and exclusions provided by this coverage.
      • Damage caused by hail that is not legally considered an extraordinary risk. When expressly agreed in your insurance terms, the guarantee included in this article may be limited to the total loss of the insured vehicle.
    • Legal defense: Legal assistance is covered for administrative, traffic and road safety offenses.