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If all you see here is a road, this is your insurance policy
An accident insurance policy designed for people who spend a lot of time on the road: travelling by motorbike or car.
Protection for you and your loved ones
It has two guarantees: one for death and another for total permanent disability.
By car or motorbike
A policy that protects you on your travels when your vehicle is for private use and doesn't have more than nine seats.
For your travels by car.
A policy that protects you on your travels when the vehicle is for private use and doesn't have more than nine seats.
Or for your travels by motorbike.
Our insurance also covers your travels by motorbike, provided that the vehicle is under 125 cc.
You can split the payment.
If it's more convenient, you can pay your insurance premium in quarterly instalments.
You can split the payment.
If you find it more convenient, you can pay your insurance premium in instalments every quarter.
For a little more, you can insure your spouse.
For very, very little, you can take out this extra guarantee that will protect both of you.
No medical examination required. You can take it out online right now.
With the Bankinter service.
Tell us what you need. You have our more than 50 years of experience at your service. Over one million customers already benefit from our decidedly personal approach.
Traffic protection insurance policy: cover
There are two cover models, depending on the number of insured parties: a single insured party, or insured party and spouse.
One insured party
Death by accident: €125,000.
Absolute and permanent disability: €250,000.
Annual premium: €118.22.
Quarterly premium: first quarter €30.74/ other quarters €30.74.
Insured party and spouse
Death by accident: €65,000.
Absolute and permanent disability: €130,000.
Annual premium: €118.27.
Quarterly premium: first quarter €30.79/ other quarters €30.74.
Terms and conditions
Terms and conditions
Traffic protection insurance policy: terms and conditions
Traffic accident protection insurance is available for persons under 64 years of age.
The age limit for cover is 65 years.
No medical examination is needed.
What is an accident?
A violent, sudden, external event outside the intentions of the insured leading to their death or absolute and permanent disability that is not considered a traffic accident.
What is a traffic accident?
Any accident that takes place on public roads involving a motorised vehicle or a motorcycle that is in operation that leads to the death or absolute and permanent disability of the insured person.
When is disability considered absolute and permanent?
This refers to the total, permanent and irreversible disability of the insured person to perform any type of work, trade or remunerated activity. Any type of disability must be determined by a judge, through a ruling by the competent employment body.
Can I take out accident insurance if I already have life insurance?
They are complementary policies. The main insurance in some life insurance policies can be supplemented with additional coverage for accidents. The additional cost is usually low and the capital insured can double or treble the capital contracted.
Can I deduct the premiums in my tax declaration?
No, the premiums paid for accident insurance are not tax deductible.
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Bankinter, S.A., as a bancassurance operator with registered office at 29 Paseo de la Castellana (28046 Madrid), recorded in Volume 1857, Folio 220, Page 9643 of the Madrid Companies Register, holder of tax identification number A-28157360 and registered with the special administrative registry of the General Directorate of Insurance and Pension Funds at the Ministry of the Economy and Finance (44 Paseo de la Castellana, 28046 Madridwww.dgsfp.mineco.es), under code OV-0028, has entered into insurance agency agreements with the following institutions: Bankinter Seguros de Vida, S.A., Bankinter Seguros Generales y Reaseguros, S.A., Línea Directa Aseguradora, Plus UltraSeguros Generales y Vida, S.A., Liberty Seguros, Compañía de Seguros y Reaseguros, S.A., AXA Seguros Generales, S.A. de Seguros y Reaseguros, Mapfre Familiar Compañía de Seguros y Reaseguros, S.A., Mapfre Empresas, Compañía de Seguros y Reaseguros, S.A, Mapfre Global Risk, Cia Internacional de Seguros y Reaseguros, Helvetia Compañía Suiza, S.A. de Seguros y Reaseguros, HDI Hannover International España, S.A. de Seguros y Reaseguros, Stonebridge International Insurance LTD, Financial Insurance Company Limited Spain, FinancialAssurance Company Limited Spain, SOS Seguros y Reaseguros, S.A., ACE European Group, S.A., Asefa, S.A. Seguros y Reaseguros, Solunión Seguros de Crédito Cia Internacional de Seguros y Reaseguros, S.A., Sanitas S.A de Seguros y Cigna Life Insurance Company of Europe, S.A., Metlife Europe Limited Sucursal en España and DAS (Defensa del automovilista y de siniestros internacional, S.A. de seguros).
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Basic data protection information. Bankinter Seguros de Vida, S.A de Seguros y Reaseguros will process your data for the following purposes: (i) in compliance with legal obligations; (ii) for the comprehensive and centralised management of your insurance contract; (iii) to ask doctors and healthcare providers to supply the data and medical history required to prepare the contract and protect your interests; (iv) to analyse and develop profiles to ensure the correct execution of the insurance contract; and (v) to contact you with information about products or services that may be of interest to you since they are similar to the ones you already have with us. To be able to inform you about the products and services mentioned above, we will analyse your personal data to create a profile that will allow us, by whatever channel we may use to reach you, to tailor our commercial announcements as closely as possible to your needs, tastes and preferences. Please also refer to the additional information about data protection prepared by Bankinter Seguros de Vida, S.A. de Seguros y Reaseguros.
Bankinter has the solution
We’re here to answer your banking queries and provide you with technical support.
1. Who is the data controller?
The data controller is Bankinter, S.A. (hereinafter referred to as 'Bankinter') with Tax ID No. A28157360 and registered office at Paseo de la Castellana 29 (28046 Madrid).
2. For what purposes do we process your data?
The data you provide us with will be processed to receive information about the corresponding request and, as applicable, formally enter into a contract for the product of interest to you.
3. What are the legitimate bases for processing your data?
The legal basis for fulfilling the purpose set out in the above section will be the processing of the request for information. Therefore, any refusal to supply the personal data requested, or the submission of inaccurate or incomplete data, could therefore render it impossible to provide you with the service. Customers are responsible for ensuring the truthfulness of the data provided, and for notifying Bankinter of any modification thereof.
4. Who will receive your data?
The data provided will not be transferred to third parties, unless there is a legally obligation to do so.
5. For how long will we process your data?
Unless you have stated otherwise, we will keep your data for a period of six months. As soon as they are no longer necessary for the purposes described above, the data will be blocked for the period for which they may be required for carrying out, or defending, administrative or legal actions, and they may only be unblocked and processed again for this purpose. Once this period has elapsed, the data will be cancelled definitively.
6. What are your rights in relation to the processing of your data?
You may exercise your rights at any time to access, rectification, erasure, opposition, restriction of processing and portability of the data in the circumstances and scope established by the applicable legislation currently in force. To exercise your rights, please contact us by writing to the following address: Bankinter, S.A. Operaciones- Protección de Datos. Calle Pico San Pedro, 1. Tres Cantos. Madrid. 28760, enclosing a copy of your national ID or any other identifying document. Please note that you also have the right to lodge a claim with the Spanish Data Protection Agency.
7. Where can I obtain further information about data processing?
You can get further information about how Bankinter processes your data at this