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The way insurance should be

Caser / RNA 24 hours assistance
Tel: +351 210 443 679


This covers all customers who have an insurance policy with Caser.  For all other customers whom are underwritten by Liberty, Allianz, Helvetia, Reale for example,
and in all cases we advise you to refer to your policy documents prior to calling the Gura.


Vehicle Guarantees.

The services established in this contract will apply in Spain, the European Union (excluding UK) and Mediterranean countries. Cover outside of the country stated on your policy is NOT COVERED for the first thirty days of your policy.

For purposes of the present contract the following definitions apply:

  • Insured Vehicles: four wheeled vehicles (with a tonnage when loaded of below 3.5 tonnes), excluding those used, even on an occasional basis, for passenger transport or goods transport.
  • Beneficiaries of the service: The Insured Vehicle.

Towing and/or emergency repair on road in case of break-down or accident.

In cases where it is possible to repair the break-down that has prevented the insured vehicle from continuing its journey by its own means on the road, RNA will bear all the call-out and labour expenses required to perform the emergency repair, provided that the repair can be carried out in 30 minutes or less. Any parts that may need replacement are expressly excluded from this service.

In the event that the vehicle cannot be repaired on site, RNA will cover all expenses associated with transporting or towing the vehicle to the nearest garage or to any other safe destination of the insured choosing up to a maximum limit of 500.00€ or 150 km. Including the cost for passengers of the vehicle to use a taxi to accompany the vehicle subject to the call out policy guarantee limit. RNA will only move the vehicle once following a single incident.


In cases where a vehicle has to be rescued after overturning or falling, provided that the vehicle has been circulating on ordinary public roads, RNA will bear the rescue costs of the vehicle, up to a maximum limit of 500.00€.

Replacement Vehicle following Accident.

In cases where a vehicle has been immobilized due to a Motor Accident for a period greater than 24 hour. Europe Assist for RNA will provide a Category B vehicle for a máximum of 7 days. 

Exclusions With Regard to the Vehicle.

  • Vehicles used, even if on an occasional basis, for the transportation of commercial goods.
  • Restaurant, petrol or gasoline expenses, costs related to vehicle repair or theft of baggage, material, personal belongings or accessories incorporated in the vehicle.
  • Accidents or breakdowns, covered by the present contract, that occur while circulating outside ordinary roads.
  • Claim incidents resulting from wilful fraud of the Insured.
  • Transportation of commercial goods contained within vehicle.
  • Caravans or trailers adapted for the transportation of boats or animals.
  • In case of car theft, no assistance will be provided if it is not reported to the police.
  • Vehicles that have been transformed or modified and that do not comply with the legal regulations established by the Ministry of Industry.

Risks and damages caused as a consequence of:

  • When the damages covered by the Insurance have occurred as a consequence of drunk driving, or driving after having consumed more alcohol than the levels allowed by the country where the incident takes place, or under the influence of drugs or mood/altering substances.
  • Driving without a permit or licence, or without authorisation from the owner of the vehicle.
  • Participation in races and competitions, and training sessions for these.

Legal Assistance.

RNA will contact the opposing party's insurance company to claim payment.

Should the opposing party's insurance company accept the claim incident and the amount to be paid, RNA will receive the amount paid in compensation and will, in turn, pay it to ABBEYGATE.

Should the opposing party's insurance company not accept the claim incident and the amount to be paid, RNA will pass the case onto their lawyers, who will issue a preliminary report advising on the procedure to follow (advisability or not to initiate legal proceedings).

If ABBEYGATE or the insured decide to initiate legal actions, and choose to be represented by the RNA lawyers, the pertinent actions will be taken, provided that the estimated costs do not exceed the amount of 1000.00€

If the cost estimates for the legal proceedings exceed this sum, RNA will request authorisation from the INSURED for any additional costs.



Abbeygate is a trading name of Abbeygate Insurance Brokers LDA.
Fonte De Boliqueme, Estr Nacional 125 Loja 140, Boliqueme 8100-070 Portugal.  Regulated by the ASF 922039390  By the ICCS 5350.