Car insurance

Fully comprehensive car insurance for the self-employed

As comprehensive as you wish

Why are you interested in our fully comprehensive car insurance for the self-employed?

If you want your car to stay in the best conditions, we offer you our fully comprehensive car Insurance for the self-employed, with all the guarantees you want, and configured to suit your needs. It includes the best cover, so you can keep enjoying your car as you have from the start, and our exclusive AutoPresto service comes with advantages such as a free courtesy vehicle.

Advantages of fully comprehensive car insurance

Everything you need

For the most discerning, our fully comprehensive car Insurance for the self-employed offers all the guarantees you could need to choose from.

Comprehensive coverage

Our insurance offers full protection for your vehicle and its occupants: whether against accident damage due to an accident, theft, a broken windscreen, or a collision with an animal.

Replacement car

We provide you with a courtesy car, in the event that your vehicle has suffered an accident and needs to be repaired.

And lots more

With additional services such as our consultancy service, roadside assistance or mechanics helpline.

Main coverage of fully comprehensive car insurance

Vehicle damage

We protect your car against multiple circumstances, taking care of the damages arising from an accident (with another vehicle, animal or object), those caused by atmospheric phenomena, road or bridge subsidence, and even those suffered as a result of vandalism.

We also give you the possibility of choosing this coverage with excess or without it.

Theft, fire and windscreen

Your vehicle will be protected in the event of theft or attempted theft causing it damage, taking care of its repair; if it is stolen and not recovered, compensating you according to its value; we will even compensate you in the event that any of the vehicle's accessories covered by the insurance are stolen.

In the event of a fire or explosion (in transit or parked), you will be covered for all material damages to the car, as well as any insured accessories.

We cover the repair or replacement of your vehicle's windscreen or windows in cases of total or partial breakage, inclusive of sunroof and special glass.

Travel assistance

We accompany you on your trips throughout Spain and abroad, whether you need roadside repairs, a towing service or other services, such as tyre changes in the event of a puncture, fuel delivery or spare parts, if it is possible to locate them.

What's more, your passengers will be relocated to your address or put up in a hotel for the time the repairs are being carried out. both you and your passengers will be taken care of: you will be relocated to your own address or accommodated in a hotel for the time the repairs are being carried out.

We also cover the cost of transporting injured or sick parties, we will help you track down luggage if it gets lost, as well as take care of any unforeseen costs that may arise, in the event of you needing healthcare assistance, or legal defence.

Civil liability

This insurance further includes cover for compulsory civil liability, to cover the costs of damage caused to a third party, whereby if the indemnity exceeds the legally established maximum limit for compulsory civil liability, we will give you an additional sum which may amount to up to 50 million euros.

More covers

Such as legal defence and claim for damages, in the event of a traffic accident, or our accident coverage, guaranteeing payment of the corresponding indemnities for personal damage suffered by the driver and their occupants.

Optional coverage

You can define the fully comprehensive car insurance for the self-employed that you need, incorporating a whole range of additional guarantees to those already included as main ones, including:

Legal advice helpline

For any subject related to your daily life, whether personal or work-related, including matters that affect your family unit.

Courtesy vehicle

You can choose the basic modality, with a maximum of 7 days of a replacement car, or the extended one that offers you up to 30 days.

Legal & administrative service

We help you with the procedures related to your vehicle, either with the purchase of a new vehicle or deregistering the old one and will pay the expenses required to obtain a duplicate of the vehicle documentation in case of loss, deterioration due an accident.

Specialist advice

We provide you with psychological assistance service after a traffic accident or telephone mechanical advice for consultations related to the mechanics and maintenance of your vehicle.

Discover the benefits of AutoPresto

Preferential care

Assessment in less than 12 hours with the possibility of assessing damage at home and speedy start of vehicle repair.

Express repair

In less than 48 hours for small repairs.

Free

collection and delivery service of the repaired vehicle.

Guaranteed mobility

Benefit from a courtesy vehicle during repair (after booking the service)

60 euro discount

On excess for comprehensive insurance

Advance payment of excess

Start of repair in claims where the other party is at-fault.

Bonus

Keeping your bonus in claims under damage covers.

Quality control of the repair and vehicle service

Engine, tyres, brakes, lights and liquid levels.

Vehicle cleaning

Interior and exterior, at no additional cost.

Underwriting

Up to 3 years for all repairs.

Find your closest AutoPresto garage

The best service for comprehensive care for your vehicle, just the way you would do it.

Find your workshop Find your workshop

FAQs

Is this the right insurance for me?

If you are a self-employed worker who uses your car intensively and want to have the best protection for your vehicle and its occupants, fully comprehensive insurance for the self-employed is the best option, because you will enjoy all the guarantees you need, and can adapt it according to your preferences.

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

In a fully comprehensive insurance with excess, if you are responsible for the claim, you must take care of the amount established in this excess (the rest of the repair cost being covered by the insurer), the coverage of own damages and, also occasionally, theft, fire and windscreen damage.

In a fully comprehensive insurance policy without excess, the insurer is responsible for the total amount of the repair.

The fully comprehensive with excess modality allows you to take out a product with all risk coverage at a lower price.

What are AutoPresto garages?

This is a network of exclusive Plus Ultra Seguros garages, which operate throughout Spain, with preferential services and treatment for our customers. To find out more about them we recommend referring to the AutoPresto section of "Main Covers".

What to do in the event of an incident

You must notify us as soon as possible, within a maximum of 7 days from the time of the occurrence. To do this, you can do it on our customer service helpline (91 783 83 83), on the form you can find at plusultra.es or through your usual mediator.

You must provide us with your personal details and those of your vehicle, the date of occurrence and time of the incident and the details of the other vehicles involved. Furthermore, it is always important to provide any other information you may have to help clarify possible responsibilities (friendly accident statement, intervention by an authority, witness statement).

In the event of theft, you will also need to send us the police report.