{"id":4630,"date":"2026-01-14T13:48:31","date_gmt":"2026-01-14T13:48:31","guid":{"rendered":"https:\/\/grupoxandra.eu\/?page_id=4630"},"modified":"2026-02-17T16:02:26","modified_gmt":"2026-02-17T16:02:26","slug":"ik-heb-geen-allriskdekking","status":"publish","type":"page","link":"https:\/\/grupoxandra.eu\/en\/ik-heb-geen-allriskdekking\/","title":{"rendered":"Ik heb geen allriskdekking"},"content":{"rendered":"
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I do not have comprehensive coverage for my car insurance in Spain<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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Do you have any questions? We will gladly give you clear answers<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\treport a claim<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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What if the damage is my own fault and there is a third party involved? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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If you are liable and do not have comprehensive insurance, the damage to your own car will not be reimbursed. The damage to the other party will be.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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What if I have damage myself without a third party involved? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Without comprehensive insurance, damage to your own vehicle will not be reimbursed, not even for parking damage or a single-vehicle accident. For that, you need comprehensive coverage, which could have been added when the policy was taken out.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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What if the other party is possibly at fault? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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You can wait for the liability decision or proceed with repairs at your own expense immediately after an expert inspection. If the liability is acknowledged by the other party, you can then claim the costs afterward.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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Should I wait for an expert evaluation before repairing? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Yes, you should always have an expert assessment done before repairing the vehicle if you suspect the other party is at fault.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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What if the opposing party disputes the error? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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If so, processing may take longer. We follow up on the case and keep you informed in writing every step of the way.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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Can I have my car repaired while the claim is still pending? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Yes, you can. Keep in mind that compensation is not possible until liability of opposing party is properly established.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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What information is needed to open my file? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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A correctly completed and signed European Accident Statement by both parties. Without this, the chance of discussions is high.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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Is a replacement car or tow service reimbursed without comprehensive insurance? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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In almost all of our policies, towing service is included. The right to a replacement vehicle depends on the chosen assistance module. We will review this for you on a case-by-case basis.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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What if there is also physical damage? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Physical damage is handled separately. Always report this immediately so that we can initiate the correct procedure.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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Specifically, how does GrupoXandra help you with car damage? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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We will correctly open your file, guide you in writing, and follow up on everything until the matter is concluded.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Had damage? We'll take care of it for you.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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A claim is annoying enough, especially if you are in another country and not <\/span>everything proceeds in your own language. That's why we make sure that your damage <\/span>is handled correctly, clearly and as smoothly as possible.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\treport a claim<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

Ik heb geen allriskdekking voor mijn autoverzekering in Spanje Heeft u vragen? Wij geven u graag duidelijke antwoorden Schade melden Wat als de schade mijn eigen fout is en er is een tegenpartij? Als u aansprakelijk bent en geen allrisk heeft, wordt de schade aan uw eigen wagen niet vergoed. De schade aan de tegenpartij […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-4630","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/pages\/4630","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/comments?post=4630"}],"version-history":[{"count":23,"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/pages\/4630\/revisions"}],"predecessor-version":[{"id":6520,"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/pages\/4630\/revisions\/6520"}],"wp:attachment":[{"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/media?parent=4630"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}