Being subsidiarily responsible for the cover, it falls upon the Consorcio within the territorial scope and up to the quantitative limit Pdf file. Open in a new window of the mandatory insurance, to effect payment of the indemnities when damage occurs in the circumstances set out below:

  1. Unknown vehicle: Damage to persons following claims occurring in Spain, in which the vehicle causing the occurrence is unknown. However, if as a consequence of an accident caused by an unknown vehicle there were to be significant personal injury, the CCs will also have to indemnify eventual losses to goods deriving from the same accident. In this case a deductible not exceeding 500 Euros could legally be established. Considered to be significant damages are: death, permanent invalidity or temporary invalidity which requires, at least, hospitalisation for a period exceeding seven days.
  2. Uninsured vehicles: Damage to persons and property occasioned by a vehicle that is generally parked in Spain, as well as damage to persons within Spain where said persons have their habitual residence in Spain or to property belonging to them located in Spain by a vehicle that is generally parked in a country that is not a signed-up participant in the Agreement between the national insurance offices of the Member States of the European Economic Area and other associated States, in both of the above cases when the vehicle in question is not insured.
  3. Stolen vehicle: Damage to persons and property occasioned by a vehicle that is generally parked in Spain and is insured, but which has been stolen or used illegitimately. Excluded from these indemnities by the Consorcio are damages to the people or the property of the people who voluntarily occupied the vehicle that caused the loss knowing that the vehicle was uninsured or stolen, as long as the Consorcio can prove that they were aware of such circumstances.
  4. Controversy between the Consorcio and the Insurance Entity: Damage to persons and property included within the scope of the mandatory insurance or contemplated in the three preceding paragraphs, when controversy arises between the Consorcio and the Insurance Entity over who ought to indemnify the affected party. If it is eventually resolved or agreed that it should have corresponded to the insurance entity to effect the indemnity, said entity will refund the Consorcio in the amount of the indemnity plus legal interest calculated from the date upon which indemnity was effected, increased by 25% of same.
  5. Insurance entity that is insolvent or in liquidation: Damage to persons and property when the entity that insured the vehicle that is generally parked in Spain has been declared bankrupt, in receivership or, having been dissolved and in a situation of insolvency is subject to a liquidation procedure or has been taken over by the Consorcio de Compensación de Seguros itself.
  6. Affected parties resident in other Member States of the European Economic Area: reimbursement of the indemnities satisfied to said affected parties by the corresponding indemnification entities, in the following cases:
    • When the vehicle that caused the accident is generally parked in Spain, in the event that the insuring entity cannot be identified.
    • When the accident has occurred in Spain, in the event that it is not possible to identify the vehicle responsible for the accident.
    • When the accident has occurred in Spain, in the case of vehicles generally parked in countries that adhere to the Green Card system, as long as the insuring entity cannot be identified or the vehicle responsible for the accident is not insured.
  7. Vehicle imported into Spain from another Member State of the European Economic Area: Damages to persons and property, as long as the vehicle is not insured and the accident has occurred within a period of 30 days from the date on which the purchaser has taken delivery of the vehicle.