TRAFFIC PROTECTION
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.Plus
See Cover Cover
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.
See 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.
See FAQs FAQs
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.
Useful information
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Show/Hide legal textBankinter, S.A., as a BANCASSURANCE OPERATOR with registered office at 29 Paseo de la Castellana (28046 Madrid), recorded under Volume 1857, Folio 220, Page 9643 of the Madrid Companies Register, holder of TIN 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 Madrid), http://www.dgsfp.mineco.es, under the bancassurance operator code OV-0028, has taken out the civil liability insurance required under Article 152 of Royal Decree-Law 3/2020 of 4 February on urgent measures, which incorporates into Spanish law various directives of the European Union concerning public procurement in certain sectors: private insurance, pension plans and funds, and taxation and tax litigation.
The bancassurance operator has entered into insurance agency agreements with the institutions specified in the following link.
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Show/Hide legal textBasic 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.