Accident Insurance

Accident protection, simple and hassle-free

Accidentes Express is the basic option: taken out in minutes, no long paperwork, with the essentials covered against an accident. Ideal as a first accident policy, a simple add-on, or a gift of peace of mind for a family member.

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Quick to take out · Same-day response · No extra cost for advice

How I work with you

✓ The essentials, clear and hassle-free
✓ Quick, simple to take out
✓ Advice never costs you more

What’s included

The essentials against an accident, no jargon.

An unexpected event can happen to anyone, and not everyone wants a complex policy.

Death from accident

Sum insured for beneficiaries, with the option of an immediate payment plus a deferred one. Death from a heart attack is treated as accidental if declared a workplace accident.

Permanent and temporary disability

Compensation on a scale for permanent disability, plus cover for as long as the temporary disability lasts.

Hospitalization allowance

An allowance if you’re hospitalized due to an accident.

Quick, simple to take out

Designed to be agile: no long paperwork or endless small print.

Exclusions include high-risk sports and competitions, and injuries with no demonstrable accidental cause, among others. Full details on exclusions and scales are in the General Conditions, which I explain before you take out the policy.

Who it’s for

Your basic safety net, without the hassle.

For anyone looking for the essentials at a good price and no long paperwork: your first accident policy, a simple add-on, or a gift of peace of mind for a family member.

How we work

Your Accidentes Express, in three steps.

No jargon, no upfront commitment.

Tell me the basics

And what sum insured you have in mind.

I have it ready in minutes

Quick, simple set-up, no long paperwork.

You already have your protection

With the essentials covered against an accident.

Other Accident options

If your situation is different, one of these might suit you better.

Accidentes de la Mujer

Accident cover with protection for women’s health.

Discover the policy

Protección Emprendedor

Designed for the self-employed: protects your income after an accident.

Discover the policy

See all Accidents

Discover all 3 options and choose the one that fits you best.

See all options

Micol Astorri

Insurance advisor

Why work with me

Why take out your Accidentes Express with me.

I explain it in two sentences, no jargon, and get it ready quickly. If you need something more complete later, we keep talking, no obligation.

✓ I explain it in two sentences
✓ Quick, hassle-free set-up
✓ Advice never costs you more
✓ From Elche (Alicante), serving clients across Spain

"Micol is brilliant! She sorts everything out and explains it in real detail. An excellent professional — I recommend her 100%."

★★★★★

Silvana Farias · Client

Registered with the Insurance Distributors Register (DGSFP) no. C0133X4340072H

About me

Frequently asked questions

Before you write to me.

The questions I get asked most. If yours isn’t here, write to me and I’ll answer personally.

What exactly does it cover?

Death and disability (permanent and temporary) from accident, and an allowance if you’re hospitalized due to an accident.

Is it quick to take out?

Yes, it’s designed to be simple and agile.

Does it cover a heart attack?

Death from a heart attack is treated as accidental and payable if declared a workplace accident by the relevant authority.

Does it cover accidents while doing sport?

Regular sport, yes; high-risk sports and competitions, no.

Can I choose the capital?

Yes, we adjust the sum insured to what you want.

Does it help if I already have life insurance?

Yes, they complement each other: this one focuses on the consequences of an accident.

How long does it take for the policy to become active after taking it out?

As it’s designed for quick take-out, cover usually starts as soon as the policy is issued and the premium is paid; I’ll confirm the exact timing when we set up your policy.

Do I need a medical exam to take out Accidentes Express?

No, that’s one of this product’s strong points: as the basic, quick-to-arrange option, it doesn’t usually require a prior medical exam.

What happens if I have an accident on the same day I take out the insurance?

Pure accident cover has no waiting period, so a claim after the policy takes effect is covered under the conditions taken out.

Can I give this insurance as a gift to a family member?

Yes, you can take it out on behalf of someone else (for example, a child or a parent) as the policyholder; it’s a common way to give peace of mind to someone in the family.

Does it cover accidents at work?

Yes, an accident that happens at your workplace is covered the same as any other, without affecting any cover you may be entitled to through Social Security.

What happens if I’m hospitalised for several days due to an accident?

You have a hospitalisation allowance for accidents, designed to compensate for the days admitted as a result of the claim.

Is there complicated paperwork to take out Accidentes Express?

No, it’s designed as an entry-level product, simple and quick: your basic details and the capital you want are enough to have it ready.

Can I take it out if I already have another accident policy?

Yes, you can combine it with another accident policy if you need to, although for most profiles a single, well-sized option is usually enough.

What happens if the accident leaves me with minor after-effects that aren’t disabling?

They’re assessed against the scale of injuries in the policy wording; minor after-effects may not generate a disability indemnity if they don’t reach the minimum degree required — I’ll explain this with your specific case.

Is it cheaper than the other two accident policies?

As the basic option, without the specific women’s health cover or income protection for the self-employed, it usually has a lower premium; I’ll prepare a comparison with figures if you’d like to see it.

Can I cancel it whenever I want?

Yes, you can request cancellation at the renewal date under the policy’s conditions; I’ll explain the exact procedure and timeframes.

Does it cover accidents during leisure activities or only certain ones?

It covers accidents in your daily life and regular sport; high-risk sports and competitions are excluded, unless we confirm otherwise for your case.

What happens if I have an accident on my way to work?

An accident on your way to work is covered the same as any other accident in daily life, in addition to any protection you may be entitled to through work.

From what age can I take out Accidentes Express?

It can be taken out from the age of majority, with the particular conditions that apply; I’ll confirm the exact range for your case.

Let’s start

Two minutes and I’ll explain how it works.

No obligation, and advice never costs you more.

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