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Everything you need to know about car insurance
Everything you need to know before purchasing your policy.
Car insurance is mandatory protection that covers damages you may cause to third parties in case of an accident, ensuring your civil liability responsibilities are covered by the insurer. But beyond mandatory liability, there are additional coverages that protect your own vehicle against theft, fire or accidental damage, you as a driver with personal accident policies, and offer 24/7 roadside assistance services available whenever you need them.
When purchasing car insurance, it's essential to compare not only the price, but also the included coverage, applicable deductibles according to claim type, guaranteed indemnity limits, and available assistance services. A good insurance policy should adapt perfectly to your driving style, the specific usage you give your vehicle, its age and market value. That's why at Torino Seguros we help you find the option that best combines protection, peace of mind and cost for your specific situation.
Type of coverage
Basic third-party, extended third-party or comprehensive depending on your needs and your car's value.
Deductible
The amount you pay out of pocket in case of a claim. Lower deductible means higher policy cost.
Roadside assistance
24/7 service covering breakdowns, punctures, towing and replacement vehicle from km 0.
Legal defense
Legal coverage representing you in claims or judicial proceedings arising from accidents.
Types of car insurance and which suits you
Choosing the right car insurance depends on your driver profile, vehicle type, and how you use it. At Torino Seguros we offer several options to fit your needs, from the most affordable to the most comprehensive.
Basic third-party insurance
It's the basic option and mandatory by law. Covers third-party liability for damages and essential services like legal defense or roadside assistance. Ideal if you want to comply with regulations at the lowest cost.
Extended third-party insurance
Beyond the basics, it adds coverage like theft, fire, and windshield. Perfect for cars with moderate value that need more protection without significantly increasing the premium.
Comprehensive insurance
The most complete option, which also protects your vehicle's own damages, regardless of who is at fault. Ideal for new or high-value cars.
Comprehensive with deductible
Similar to comprehensive, but with a deductible to reduce the premium cost, assuming part of the expense in case of a claim. Perfect balance between complete protection and adjusted price.
Understanding these differences will help you quickly compare coverage and prices and choose the insurance that best combines protection and cost for your specific situation.
Choose the ideal coverage for you
Compare our plans and find the protection that best suits your driving style.
Guide to getting your car insurance
Practical tips to choose the best protection for your vehicle.
Evaluate how you use your car
Driving daily in the city is not the same as occasional trips. Your usage determines the ideal coverage.
Compare deductibles
A lower deductible means paying less per claim, but the premium may be higher. Find your balance.
Review the exclusions
Make sure you know which situations are not covered before signing. Every policy has its limits.
Driver protection
Consider including driver accident coverage. It protects you from injuries regardless of who caused the accident.
Age and value of the car
If your car is over 10 years old, extended third-party may be more cost-effective than comprehensive.
Compare prices and coverage
Don't settle for the first option. Comparing insurers will help you find the best value for money.
Why calculate your insurance with us?
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Compare our plans
Find the ideal plan for your car at a glance.
| Feature | Basic third-party | Extended third-party | Comprehensive |
|---|---|---|---|
| Mandatory civil liability | |||
| 24/7 roadside assistance | |||
| Theft and fire | |||
| Windshield and glass | |||
| Own damage from accidents | |||
| Replacement vehicle |
Basic third-party
Extended third-party
Comprehensive
What our clients say
Drivers who already trust us to protect their car.
“I got comprehensive coverage for less than I was paying for third-party at my previous insurer. The process was super easy.”
Pablo García
Driver in Madrid
“I had a bump and the claims process was incredibly fast. In two days I had a workshop appointment without leaving home.”
Laura Martínez
Driver in Seville
“Roadside assistance saved me one night on the highway. They arrived in less than 30 minutes. Impeccable service.”
Miguel Sánchez
Driver in Bilbao
Frequently asked questions about car insurance
Have more questions? Contact us and we'll help