Need some help?
Please contact us and we will review your situation to ensure that it meets the requirements of Extranjería. Whatsapp consultation
Car Insurance Against Theft and Fire
Basic third-party insurance in Spain only covers damage to others, leaving the owner vulnerable to theft or fire. We provide a solution that guarantees reimbursement of the vehicle's value, allowing you to park with confidence in any neighborhood or public parking facility.
Result
Designed for new and mid-range cars where the owner wants to protect their capital from criminal activity or accidents.
Price
Adding theft and fire coverage typically increases the annual premium by 60 to 120 euros, depending on the car model and location.
Timeline
Digital processing takes 15 minutes. Coverage becomes active at midnight following the day of payment.
By 2026, car theft methods have become more sophisticated, often involving signal hacking, while fire risks from complex on-board electronics have increased. To ensure a successful claim, your policy must clearly distinguish between forced entry and owner negligence. We help you select plans that cover not just total loss, but also the extensive damage often caused during a break-in attempt.
- Reimbursement based on “New Value” or “Market Value” in the event of total loss.
- Coverage for damage to locks, windows, and interior components during a theft attempt.
- Protection against fire caused by external factors or internal short circuits.
- Inclusion of factory-fitted accessories and multimedia systems in the coverage.
- 24/7 roadside assistance to tow the vehicle to an authorized repair shop.
Tools to solve this problem
Zurich Motor GO! Ampliado
Zurich Motor GO! Ampliado
Zurich Motor GO! Ampliado — extended third-party insurance with theft and fire
- Top-tier reputation for payout speed once the theft report is finalized.
- Use of original manufacturer parts for repairs following vandalism or break-ins.
- Provision of a replacement vehicle while the claim is being processed.
Agent's opinion "Check if the policy includes 'Market Value Plus'. Standard market value depreciates quickly, but this option adds a percentage on top, ensuring you can actually afford a similar replacement in today's market."