Generali Car Insurance in Spain: Cover, Claims and Service in English
Generali has been insuring Spain since 1834 and, after the Liberty Seguros merger, is one of the country’s largest insurers. Here is what its car policies include, what changed for ex-Liberty customers, and how we arrange the same cover with English documents, English advice and a named agent who handles the claims.
Get a Generali quote →If you are searching for Generali car insurance in Spain, you are probably in one of two places. Either you are weighing up insurers and want to know who Generali actually is — or you were a Liberty Seguros customer and your paperwork suddenly says Generali. This page covers both: the company, the cover tiers, the extras, the assistance numbers, and what buying through an exclusive agent adds. For the product itself — cover levels, pricing and the quote process — start with our main car insurance in Spain page.
Generali car insurance: the short version
- Generali is one of Europe’s largest insurers, founded in 1831 and present in Spain since 1834. After absorbing Liberty Seguros it is a top-six insurance group in Spain by premium volume.
- Liberty Seguros is now Generali. The purchase completed in January 2024, the legal merger in November 2025. Existing policies continue on their current terms and move onto a Generali product at renewal — no action needed.
- The car range runs from Terceros (third party) to Todo Riesgo con Franquicia (comprehensive with an excess). Zero-excess comprehensive is no longer sold.
- Roadside assistance from km 0 — including breakdowns at your own home — and a network of more than 2,500 partner workshops.
- 24-hour assistance and claims: 900 903 433 or 911 123 443; tow truck (grúa) by WhatsApp on 654 03 36 29.
- Same insurer whether you buy direct or through us — what we add is the English service layer: documents, advice, no-claims transfer and claims chased on 966 461 625.
- Our published from-prices: Terceros from €180/yr, Terceros Ampliado from €320/yr, Todo Riesgo con Franquicia from €450/yr.
Who Generali is — the insurer behind the policy
Generali was founded in 1831 in Trieste and is today one of the largest integrated insurance and asset-management groups in the world. At 2025, the Group reported total premium income of €98.1 billion, more than 88,000 employees, and around 75 million customers served by 163,000 advisors, with roughly €900 billion of assets under management. Those figures update annually, but the scale does not change much: this is one of Europe’s insurance giants.
In Spain, the history runs almost as deep. Generali has been present here since 1834 — nearly two centuries. Generali España today has around 2,000 employees, more than 1,600 attention offices, and close to 10,000 professional intermediaries. In 2024 it wrote premiums of €3.8 billion, up 7.7%, with an operating result of €398 million. Following the Liberty Seguros merger, it stands as one of Spain’s largest insurers — a top-six group by premium volume, per trade-press rankings based on ICEA data.
Why does that matter for a car policy? Because an insurance promise is only as good as the balance sheet behind it. When we place your motor cover, the risk carrier is Generali España de Seguros y Reaseguros, S.A. — the same entity whether you buy through us, through another intermediary, or direct online. Our role as exclusive agents is the service around that contract, which we come back to below.
Our own relationship, precisely stated: Turner Insurance has been an exclusive agency since 2007 — first for Liberty Seguros, and for Generali since its 2024 acquisition of Liberty. The firm was founded in 2013, and Andrew has over 25 years in Spanish insurance. Car is one line among several we arrange with Generali; for the health side, see Generali health insurance in Spain.
Generali car cover tiers explained
On generali.es, the agent-channel car range is sold in four modalities: Terceros (third party), Terceros Ampliado (third party plus glass), Terceros Completo (adding fire and theft) and Todo Riesgo con Franquicia (comprehensive with an excess). Generali structures third-party-plus cover in more than one step, and the exact boundaries shift with the options chosen — so treat the table below as a map, not a schedule. We quote the combination that fits your car, your driving record and your budget.
| Generali modality | What it broadly covers |
|---|---|
| Terceros | Compulsory liability, voluntary liability up to €50M, legal defence (Defensa Jurídica), km-0 roadside assistance |
| Terceros Ampliado | Adds glass (lunas); driver personal accident cover appears from this level |
| Terceros Completo | Adds fire (incendio) and theft (robo) |
| Todo Riesgo con Franquicia | Adds own damage (daños propios) with an excess you choose at quote stage |
Every tier starts from the same legal base. RC Obligatoria — the compulsory liability cover — is set by law at €70 million for personal injury and €15 million for property damage per claim. Those limits have been unchanged since 2008 and were maintained, not raised, by Ley 5/2025. On top of that, Generali includes RC Voluntaria, a voluntary layer extending liability up to €50 million, from basic Terceros upward — alongside Defensa Jurídica y Reclamación de Daños and km-0 assistance.
Moving up the range adds own-vehicle protection. Driver personal accident cover (Accidentes Corporales del Conductor) appears from Terceros Ampliado, with indemnity limits that rise with the tier. Fire and theft sit in the higher modalities. Todo Riesgo con Franquicia then bundles the full set of guarantees you will see on a Generali schedule: Incendio, Rotura de Lunas, Robo, Daños del Vehículo, Daños por Colisión con Animales, Fenómenos de la Naturaleza and Asistencia en Viaje.
The franquicia (excess) works more gently than many UK drivers expect. It applies only to own-damage claims. Damage you cause to third parties is always covered in full, and when a liable third party is identified, the excess is typically not applied — or is recovered. You choose the excess level at quote stage. For the full mechanics of terceros versus todo riesgo, and when each makes financial sense, see comprehensive versus third-party car insurance in Spain.
One product you will not find: todo riesgo sin franquicia — comprehensive with no excess at all. Generali, like most of the Spanish market, discontinued zero-excess comprehensive; only Todo Riesgo con Franquicia is sold. Do not confuse that with the peril-specific no-excess items on the motor policies we arrange, where glass carries no excess from Terceros Ampliado level, and fire, theft and total loss carry no excess.
As a guide, our published from-prices for Generali cover are €180 a year for Terceros, €320 for Terceros Ampliado — the most popular choice — and €450 for Todo Riesgo con Franquicia, based on a driver aged 40-plus with full no-claims accepted and a typical mid-size car in the Marina Alta. Your own premium depends on age, area and vehicle. For every honest way to bring the figure down, see the cheapest car insurance in Spain.
Key extras on Generali car policies
The headline extra is roadside assistance from kilómetro cero — km 0. Assistance applies from the moment you leave your front door, including breakdowns at your own home, across Spain and much of Europe, for the vehicle and its passengers. The exact scope is tier-dependent, so check your schedule. How Spanish breakdown cover is built into the car policy rather than sold separately is explained in our guide to breakdown cover in Spain.
Behind the assistance sits a repair network of more than 2,500 partner workshops (talleres concertados), with perks such as a 5% discount on non-covered repairs and a free exterior wash and vacuum after a covered repair. Claims can be assessed digitally by video or photo (videoperitación / fotoperitación), which speeds small claims up noticeably. Free choice of workshop is the default — unless you contracted the cheaper network-only option (exclusividad de talleres concertados), in which case repairs go to the partner network.
A replacement vehicle (vehículo de sustitución) is available as an optional cover at the higher tiers. On generali.es, the trigger is a repair exceeding roughly eight workshop-labour hours, or a total loss, with the maximum days set in your particular conditions. We deliberately print no day-count here: that figure belongs to your policy schedule, and we confirm it when we quote.
Beyond the bundled guarantees, Generali offers a menu of optional motor extras:
- Retirada del Permiso de Conducir — a monthly indemnity if your licence is withdrawn.
- Ampliación de Defensa Jurídica — extended legal defence. Traffic-fine and licence-points defence sits inside this optional extension — it is an add-on, not a standalone product, and we confirm the exact guarantee wording at quote stage.
- Indemnización por Paralización del Vehículo — compensation while the vehicle is off the road.
- Daños por Colisión con Animales and Fenómenos Meteorológicos — where not already bundled in your modality.
- Pérdida Total — total-loss protection.
- Ampliación de Accidentes Corporales — higher driver personal-accident limits.
- Responsabilidad Civil Plus — a further liability extension.
A small but current perk: Generali sells policyholders the DGT 3.0 connected V16 emergency beacon at a discount and links it into its assistance service. Since January 2026, the V16 beacon has replaced warning triangles on Spanish roads (motorcycles are exempt), so if you have not bought one yet, this is a cheap way to do it. The wider rules of the road are covered in our guide to driving in Spain.
How extras like these perform on the day you actually claim — the seven tests worth applying to any Spanish policy — is the subject of our guide to the best car insurance in Spain.
Ex-Liberty customers: what changed under Generali
The short timeline. Generali agreed in June 2023 to buy Liberty Seguros from Liberty Mutual, in a deal worth around €2.3 billion covering Spain, Portugal, Ireland and Northern Ireland. The purchase completed on 31 January 2024 — Generali’s largest acquisition in a decade. The legal merger of the former Liberty business into Generali España de Seguros y Reaseguros, S.A. completed in November 2025. Liberty Seguros no longer trades as a separate insurer in Spain.
If you hold an ex-Liberty policy, nothing is required of you. Your policy continues on its current terms — same sums insured, same excesses, same guarantees — and moves onto a Generali or GeneraliON product at renewal. GeneraliON is simply Generali’s consumer and direct brand in Spain, not a different or lesser insurer: the company behind it is Generali España de Seguros y Reaseguros, S.A. Its customer-care line, 900 112 213, is the continuing ex-Liberty number.
One practical nuance at renewal: Spain currently has two parallel Generali motor ranges. There is the classic agent-channel range — the four modalities above — and the GeneraliON range that grew out of the Liberty book, tiered as Terceros, Terceros con Lunas e Incendio, Terceros con Robo e Incendio and Todo Riesgo. The guarantees overlap heavily but are packaged differently, which is why we check an ex-Liberty renewal against the current range rather than rolling it over blind.
The full backstory — what changed, what the renewal letter means, which documents to keep — lives on one dedicated page: Liberty Seguros is now Generali. If you were a Liberty client of ours, you stayed our client throughout: we have been the exclusive agent for the same book since 2007, first for Liberty Seguros and for Generali since the acquisition.
Generali through an exclusive agent vs buying direct
Let us be straight about what buying through an agent does and does not change. It does not change the insurer: whether you buy from us, from another intermediary, or online, the risk carrier is Generali España de Seguros y Reaseguros, S.A. It does not unlock a secret tariff either. What changes is everything around the contract — the part you only value when something goes wrong.
- Documents and advice in English. We price the right Generali cover level for your car and driving record, then read the wording through with you before you buy.
- A named contact who knows your file — the same office in Javea, not a call-centre queue.
- Your no-claims record applied by hand. UK, EU, Canadian and US certificates are accepted, typically needing around two years’ documented history; acceptance is a commercial, case-by-case decision. The paperwork is covered in moving your no-claims bonus to Spain.
- Claims opened, translated and chased by us. Report a claim to us on 966 461 625 and we handle the conversation with Generali — though you can always deal with the insurer direct if you prefer.
- A real office, all of Spain. We are based in Javea and serve clients across the whole country, mostly online.
What we do not do is run a whole-of-market comparison — we are exclusive Generali agents and say so plainly. If you want to see how Generali sits against Mapfre, AXA or Allianz on a like-for-like basis, our guide to comparing car insurance in Spain does that job. And if your real question is Spain versus your old UK policy, see car insurance in Spain versus the UK.
Generali assistance, claims and contact numbers
Save these before you need them. The numbers below are Generali España’s current published lines; ex-Liberty schedules may still show older numbers, so check your own policy documents.
| Service | Contact | Notes |
|---|---|---|
| Assistance & claims | 900 903 433 / 911 123 443 | 24 hours, 365 days |
| From outside Spain | +34 911 123 443 | |
| Tow truck (grúa) | WhatsApp 654 03 36 29 | Send your location |
| Claims email | siniestros.es@generali.com | |
| GeneraliON customer care | 900 112 213 | Continuing ex-Liberty line |
| Old Liberty roadside line | 900 101 369 | Still in service — check your schedule |
| Help in English (Turner) | 966 461 625 | We open and chase the claim for you |
Two legal deadlines frame every Spanish motor claim. You must notify the insurer within seven days of becoming aware of a loss (Ley 50/1980, art. 16), and the insurer must begin settlement within 40 days (art. 18). Extraordinary risks — flood among them — are covered by the state-backed Consorcio de Compensación de Seguros on any valid Spanish motor policy, even terceros-only: after the DANA floods of October 2024, it paid out on more than 100,000 cars. Step-by-step guidance is in our motor insurance claims in Spain guide.
How to get a Generali car insurance quote
A quote through us takes a few minutes and four things: the vehicle registration document (permiso de circulación), your driving licence, your passport or NIE, and — if you have one — a claim-free-years certificate from your previous insurer. Remember the Spanish rule: insurance follows the car, not the driver, so every vehicle needs its own policy — and most Generali policies include any licenced driver as standard.
Cover runs across mainland Spain, the Balearics and the Canaries, with EEA-wide third-party cover including the UK, Switzerland and Andorra — and no green card has been needed for Spain or the EU since August 2021. One firm limit: an ongoing annual policy cannot be issued on a UK-plated car. During matriculación, temporary third-party cover runs on the Spanish green ‘P’ plate — see temporary import car insurance in Spain, and importing a car to Spain for the process itself.
Then it is simple: call us on 966 461 625, use the quote form, or email. We answer in plain English, price the right Generali cover level for your circumstances, and read the wording through with you before you commit. No call centres, and no obligation. Not resident in Spain? We arrange the same Generali cover for holiday-home owners — see car insurance in Spain for non-residents.
Get a Generali quote in English
Tell us the car, the drivers and how you use it — we will price the right Generali tier, apply your no-claims record, and show you exactly what the schedule says before you pay a cent. Existing ex-Liberty customer? Send us your renewal and we will check it against the current range. No obligation, and no charge.
Get a Generali quote → Car insurance in SpainGenerali car insurance: frequently asked questions
Yes. Generali agreed to buy Liberty Seguros in June 2023, completed the purchase on 31 January 2024, and completed the legal merger into Generali España de Seguros y Reaseguros, S.A. in November 2025. Liberty Seguros no longer trades as a separate insurer in Spain; the consumer brand you will see today is GeneraliON. Existing Liberty policies continue on their current terms and move onto a Generali product at renewal — no action is needed. The full story, including what your renewal letter means, is on our Liberty Seguros is now Generali page.
Yes. Through our agency, quotes and advice come in English, and on the motor policies we arrange the policy conditions are published in English. Claims are opened, translated and chased in English too — report them to us on 966 461 625. The insurer is Generali España; the English service layer is what we add as exclusive agents based in Javea, working with clients across the whole of Spain, mostly online.
Generali is one of Europe’s largest insurers, present in Spain since 1834, and following the Liberty merger a top-six insurance group in Spain by premium volume. In 2024, Generali España wrote €3.8 billion in premiums. On the motor side, its policies pair km-0 roadside assistance with a network of more than 2,500 partner workshops. Whether it is good for you depends on the cover level and your profile — the claim-day tests in our guide to the best car insurance in Spain show how to judge any policy.
No. Todo riesgo sin franquicia — zero-excess comprehensive — has been discontinued; Generali sells Todo Riesgo con Franquicia, comprehensive with an excess you choose at quote stage. The excess applies only to own-damage claims: damage to third parties is always paid in full, and when a liable third party is identified, the excess is typically waived or recovered. Separately, on the motor policies we arrange, glass carries no excess from Terceros Ampliado level, and fire, theft and total loss carry no excess.
No. Generali does not market by-the-day or short-term car cover in Spain. The one temporary product we arrange is third-party cover during matriculación, issued on the Spanish green ‘P’ temporary import plate while a car is being registered — it then carries straight over to the definitive plates. If you need cover for an import in progress, see our temporary import car insurance page; for genuine day-cover needs, other firms serve that market.
Call 900 903 433 or 911 123 443 — both answer 24 hours, 365 days — or +34 911 123 443 from outside Spain. You can also request a tow truck (grúa) by WhatsApp on 654 03 36 29. Ex-Liberty policyholders may still see the old roadside line, 900 101 369, on their documents; it remains in service, but check your policy schedule. If you are our client and prefer English, call us on 966 461 625 and we will handle it.
UK, EU, Canadian and US no-claims certificates are accepted, normally needing around two years of documented history — and with five or more claim-free years our clients typically start at the top of the discount ladder, always subject to underwriting. Acceptance is a commercial, case-by-case decision, not a legal right, so send us the insurer’s letter before you ask for the quote. The paperwork, the two-year expiry trap and the ladder mechanics are all covered in moving your no-claims bonus to Spain.
Not on an ongoing annual policy — that needs Spanish plates. If you are importing the car, temporary third-party cover runs on the green ‘P’ plate during matriculación and carries straight over once registration completes. Genuine non-residents can keep a foreign-plated car in Spain for up to six months in any twelve, provided it stays legal and insured in its home country. The registration steps, taxes and timings are in our guide to importing a car to Spain.
Sources & references: Generali España — car range (modalities, km-0 assistance, workshops, V16); Todo Riesgo con Franquicia (guarantees, franquicia mechanism, extras); Generali contact numbers; Generali — quienes somos (Spain since 1834; footprint); Generali Group — who we are (figures at 2025); Generali press releases (2023 announcement; completion January 2024; merger November 2025; 2024 results); GeneraliON; Ley 5/2025 (liability limits maintained); Ley 50/1980, arts. 16 and 18; Consorcio de Compensación de Seguros (October 2024 DANA payouts); Spanish trade press citing ICEA (market ranking).
Cover descriptions summarise Generali’s published product information and our own agency practice; tier boundaries, indemnity limits and optional extras vary with the modality and options chosen, and the policy schedule always prevails. Group and market figures are as published at the dates shown and update over time. Statements about no-claims transfer and claims handling describe our practice with Generali and are subject to underwriting on the individual case. Checked against the sources above in August 2026; rules and products change, so confirm the current position with us before relying on any detail. This page is general information, not legal or financial advice.