Car insurance in Mallorca
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Generali car insurance in Mallorca
At Grupo Baeza, we offer you personalised insurance that adapts to your needs, insuring only the coverage that really matters to you and discarding those that are not relevant to you. For an affordable cost, our car insurance includes everything you need, such as a replacement car, protection against accidents with animals, legal assistance with fines, license defense by points and access to second medical opinions. If you want to feel protected by the best in insurance, discover the options we have for you and request your quote.
We also offer you a wide flexibility in contracting so that you can choose the coverage that best suits your needs on the road. We have protection against natural phenomena, defense against fines and the loss of license points, as well as telephone legal consultation. We also include collision damage with animals and innovative coverages so you can select the option that’s right for you. In addition, we offer a replacement vehicle and towing coverage with no mileage limit, as well as protection for luggage and personal belongings. In the event of an accident, you will have access to a second medical opinion, adaptations for your car or home and medical and psychological advice.
Choosing car insurance in Mallorca means deciding how much risk you carry yourself and how much the insurer carries. The difference between third-party and fully comprehensive cover is not only price: it is what happens to your own car if you are at fault, if it is stolen or if it catches fire. Here is cover explained, how excesses work, what breakdown assistance includes and what to do after an accident.
Third-party or comprehensive: the main decision
Every motor vehicle needs, by law, compulsory third-party liability insurance, which covers damage you cause to other people and their property. Beyond that, the options are extended with optional cover.
| Type | What it protects | Usually suits |
|---|---|---|
| Third-party | Damage you cause to others (the legal minimum), normally with travel assistance and driver accident cover | Low-value or older cars |
| Third-party extended | The above plus cover such as theft, fire, windows or assistance, depending on the policy | Mid-value cars or daily use |
| Fully comprehensive | Adds own damage, even when you are at fault, plus theft, fire and total loss | Recent or valuable cars |
| Comprehensive with excess | As above, but you pay a fixed part of each claim in return for a lower premium | Those who want full cover and accept sharing part of the cost |
The exact cover varies between policies. Always ask what each includes before comparing on price.
What car insurance covers, cover by cover
- Compulsory third-party liability: material and personal damage to third parties in an accident involving your vehicle. It can be raised with voluntary liability to reach higher limits.
- Legal defence and claims: a lawyer and handling of claims after an accident.
- Own damage: repair or compensation for damage to your car (comprehensive).
- Theft and fire: total or partial theft and fire damage.
- Windows: broken glass, often included in mid-range options.
- Total loss: compensation when repair does not make sense.
- Travel assistance: tow truck, roadside help and, depending on the policy, transport for passengers.
- Replacement vehicle: a car while yours is in the workshop or has been stolen, subject to conditions.
- Collision with animals: useful if you drive in rural or mountain areas.
- Natural events: damage from weather events, as set out in the policy.
- Traffic legal support: help with fines, defence of your points licence and telephone legal advice.
- Driver accident cover: compensation for the driver's injuries, depending on the sum chosen.
Excess: what you pay in a claim
The excess is the fixed amount you pay on each covered claim before the insurer pays the rest. A higher excess lowers the premium, but you put money in at every repair. Think about the amount you could afford overnight. Also check whether the excess applies to all damage or only some, such as damage where you are at fault or claims involving young drivers.
Breakdown assistance: what to look at
On an island, a breakdown far from your usual area can complicate your day. Check:
- From which kilometre assistance applies (from kilometre zero or from a minimum distance from home).
- Towing distance limits and any per-claim limits.
- Transport for passengers and conditions.
- Replacement vehicle: length and type.
- Assistance abroad, if you travel with your car.
On our policy page you can see cover such as towing with no kilometre limit and a replacement vehicle; the exact conditions are set out in each policy.
What affects the price of car insurance
We never give figures without knowing your case. The main factors are:
- The driver: age, years of holding a licence and claims history.
- The vehicle: make, model, power, value and age.
- Use and area: daily or occasional use, kilometres per year and where it is parked or driven.
- The type of policy, excess and cover you choose.
- No-claims discounts, which are taken into account in the premium.
One way to adjust the price without losing the essentials is to match the type of cover to your car's value and choose a reasonable excess.
What to do after an accident
- Make sure everyone is safe and call the emergency services if anyone is hurt.
- Fill in the accident report form clearly, leaving no blanks, with all the other driver's details (registration, make, model, insurer and policy number).
- Describe how it happened and what each vehicle was doing. If both parties agree, everyone involved should sign.
- Note the place and the damage to both vehicles and take photos.
- Tell your broker or insurer as soon as possible. If you are our client, we help with the claim.
Common questions about paperwork and conditions
- Do I have to carry my policy? Car insurance validation can be done digitally, so you do not need to carry the policy or proof of payment with the vehicle documents.
- What if the car has no valid ITV (roadworthiness test)? Compulsory liability cover cannot be excluded for that reason, but optional cover may not apply to vehicles that fail to meet the legal requirements to be on the road.
- Can the policyholder and the main driver be different people? Yes.
Ask for your car insurance quote
Tell us about your car and how you use it, and we will prepare options with different types of cover and excesses. We serve clients in Palma, Inca and Sóller.
Other insurance that goes with your car
If you also have a motorcycle, see our motorcycle insurance; for your home, home insurance; and to complete your family's protection, life and accident and health. If you use the car for work, see our page on insurance for the self-employed. You can visit us in Palma, Inca or Sóller, or call 971 72 04 43.
Car insurance in Mallorca: FAQ
What is the difference between third-party and comprehensive insurance?
Third-party insurance covers damage you cause to others, which is the legal minimum. Comprehensive cover adds protection for your own car, such as own damage, fire, theft and total loss. There are intermediate options and options with an excess.
What is the excess?
The fixed amount you pay on each covered claim before the insurer covers the rest. With a high excess the premium is lower, but you pay at every repair.
What does breakdown assistance include?
It depends on the policy: tow truck or towing, roadside help, transport for passengers and a replacement vehicle, among other things. Check from which kilometre it applies and its limits.
How is the price calculated?
By the driver's profile, the vehicle, use and area, type of cover, excess and claims history. There is no single figure; ask for a tailored quote.
What should I do after an accident?
Make sure people are safe, fill in the accident report with all the other driver's details, describe how it happened, take photos and tell your broker. If both sides agree, everyone should sign.
Can I insure a car in someone else's name?
Yes. The policyholder can be one person and the insured or main driver another.
What if my car has not passed the ITV?
Compulsory liability cover cannot be excluded for that reason, but optional cover may not apply to vehicles that fail to meet the legal requirements to be on the road.
Does the policy cover collisions with animals or natural events?
These are covers that can be included depending on the policy. Ask us if you drive in rural or mountain areas.
Your question about our car insurance
Send us a message with your query. One of our agents will contact you shortly:
More frequently asked questions about car insurance
About Car Insurance
Is it necessary to have car insurance?
Currently, the validation of the car insurance policy can be done digitally, which means that it is not necessary to carry the policy or proof of payment among the vehicle documentation.
Does the insurance cover you if you don't have the ITV passed?
The regulations of Compulsory Car Insurance do not allow the exclusion of liability coverage in vehicles that do not have an up-to-date ITV. However, in the Voluntary Insurance guarantee, coverage is excluded for vehicles that fail to comply with the legal obligations to circulate.
What information is necessary to open a claim?
It is important that we have as much information as possible about the opponent (license plate, make and model, opposing company and policy number), but it is also important that the place of occurrence and damage that both vehicles have is indicated.
It is also important that the manoeuvres carried out by each vehicle involved are described in as much detail as possible, as well as whether there are third vehicles involved.
Is it possible to take out insurance for my car in someone else's name?
Yes, you can. The Policyholder can be one person and the insured and/or habitual driver another.
What is the difference between third-party insurance and comprehensive insurance?
Basically, third-party car insurance only covers damage caused to injured third parties, although guarantees such as Travel Assistance and Accidents for the driver are usually included. Comprehensive insurance includes optional guarantees such as Own Damage, Fire, Theft, Total Loss, all related to the vehicle.
What are the steps to follow to complete an accident report?
You must do it clearly, without forgetting any section and with as much information as possible about the opponent or opponents since this will facilitate the process. Furthermore, it is important that you describe the manner in which the accident occurred and that the declaration be signed by all those involved as long as there is agreement between the parties involved.
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