Coverage in case of vehicle theft

By being insured with Línea Directa you will have coverage in case of theft as indicated below.

What does vehicle theft insurance cover?

If the vehicle is stolen, a replacement vehicle will be provided when at least 24 hours have elapsed after the theft is reported, until the stolen vehicle is recovered and for a maximum period of 30 days. Before requesting this service, the insured must send details of the theft to Línea Directa together with the police report form.

Línea Directa will pay compensation for damage suffered or for loss of the vehicle as a result of unlawful theft or attempted theft. 30 days must have passed following its disappearance for it to be considered as missing and for compensation to be paid. If after that time the vehicle appears, you can keep the vehicle and return the amount paid out or dispose of the vehicle and keep the payout.
Línea Directa also provides cover in case of the recovery of the vehicle, its transfer to your home or to the corresponding garage.

If after robbery or theft of the insured vehicle the vehicle has to remain in custody more than 25 kilometres away from the insured’s usual place of residence, Línea Directa will defray the costs for this service up to a limit of €160.

In the event that the vehicle is immobilized due to robbery or theft and repairs cannot be completed on the same day as the incident, the insured may opt for one of the following non-cumulative services:

• Accommodation in a hotel of up to 4 stars for a maximum of 4 nights.
• Transfer to the insured’s usual place of residence or to their destination, provided in the latter case that the cost does not exceed that of returning home. The Insurer shall determine the most suitable means of transport.
• Supply of a rental vehicle with unlimited mileage for a maximum of 24 hours.

Línea Directa car theft insurance

We hope that this will never happen to you, but in the event that your vehicle is stolen, Línea Directa seeks to help you to keep the consequences of this to a minimum.

In order for this to happen, we will assist you, when the theft is notified, with the steps to follow as a result of this situation. To do this, we offer you a 24-hour assistance service and a replacement vehicle within 24 hours of its disappearance and for a period of 30 days.

In case you find the vehicle, we will take care of the transfer of your vehicle to your home or garage. In addition, possible damage caused by the theft or loss of the vehicle will be duly assessed and compensated by Línea Directa.

Línea Directa's theft insurance allows you to be always protected in case of any problem with your vehicle, be it theft or robbery. Both abroad and in Spain. And if necessary and on a non-cumulative basis, the insured may be provided with accommodation for a maximum of four nights, transport to the destination point of your trip and the provision of a rental car.

Differences between robbery and theft

1. The main difference between the two is whether or not violence is used in the act.
2. Theft is any crime involving taking another's property without the use of violence, force, or intimidation. In the case of a car, theft is considered to be stealing the vehicle or any object in it without the need to cause damage to the vehicle, such as breaking a window or forcing the door, and without the need to use physical violence or intimidation.
3. Whereas a robbery is the theft of another's property through the use of force, violence or intimidation. In the case of vehicles, theft of the car using force, breaking windows, or causing damage to the vehicle by using physical violence or verbal or gestural intimidation would be considered robbery.