Coche x Coche: total-loss replacement vehicle in your name
Licensed Broker
DGSFP Registered
If your car is declared a total loss, we find you a similar second-hand vehicle and put it in your name at no cost. Or take 120% of market value as cash. Add to any policy, switch insurer not required.
Can be added at any time, no need to wait for renewal. Compatible with any existing insurer.
From €60/year add-on
Add-on. Quote-based, depends on car value.
Typical starting premium. Final price always depends on your individual circumstances.
Payment: Annual, six-monthly or quarterly.
Eligibility: vehicle must be under 20 years old. You don't need to switch insurer to add this cover.
What's covered
Cover included as standard with Special add-on cover
Total-loss replacement vehicle
If your car is declared a total loss, Caser searches for and presents 3-4 similar second-hand vehicles matching your car's range, horsepower and mileage. You pick one. They put it in your name, deliver door-to-door anywhere in Spain, and pay all transfer costs and taxes.
1-year warranty included
The replacement vehicle comes with a 1-year warranty with unlimited kilometres.
120% cash alternative
If you reject all 3-4 vehicles offered, take 120% of your car's current market value as bank transfer.
Permanent ownership transfer
The replacement vehicle is YOURS - registered in your name, not a temporary loaner. Caser handles all registration and de-registration paperwork.
Door-to-door delivery anywhere in Spain
Including mainland, Canary and Balearic Islands.
Fault doesn't matter
Cover applies regardless of who's to blame for the total loss.
What's not covered
Be clear on what's excluded so you can decide if this tier suits you.
- Vehicles 20 years or older
- Partial damage (this is total-loss only - for accident damage cover, see Fully Comprehensive)
- Theft alone (covered separately under Third-Party Extended or Fully Comprehensive)
Coche x Coche, in one paragraph
Coche x Coche is a unique add-on we offer that solves the 'my car was totalled and now I need to find a replacement' problem. If your vehicle is declared a total loss, for any reason and whoever's at fault, Caser searches for 3-4 similar second-hand cars matching yours, presents them to you, and puts your chosen one in your name with full transfer costs paid and a 1-year warranty included. If none of them work, take 120% of market value as cash instead. Add it to any car policy (you don't need to switch insurer). Vehicle must be under 20 years old.
How it works after a total loss
From declaration of total loss to keys in your hand, Caser handles the whole process so you're never car-less or chasing paperwork.
- Your vehicle is declared a total loss by the assessor (any cause, any fault).
- Caser sources 3-4 similar second-hand vehicles matching your car's range, horsepower and mileage.
- You review the options and pick one - or refuse all and take 120% of market value as cash.
- Caser registers the replacement in your name, pays all transfer costs and taxes, and includes a 1-year unlimited-km warranty.
- The replacement is delivered door-to-door anywhere in Spain (mainland, Canary or Balearic Islands).
- Caser de-registers the totalled vehicle for you, paperwork included.
Frequently asked questions
How is Coche x Coche different from a normal replacement vehicle?
A normal replacement vehicle is a temporary rental during repairs - the rental car goes back when your car is fixed. Coche x Coche is for total-loss situations: your car is destroyed, and Caser gives you a permanent replacement vehicle in your name (or 120% cash). It's not a loaner - it's yours.
What if I don't like any of the vehicles offered?
If none of the 3-4 options work for you, you can refuse them all and take 120% of your car's current market value via bank transfer. So you're never stuck with a car you don't want.
Do I have to switch to Caser to use this?
No - Coche x Coche works alongside any existing insurer. It's a standalone cover. Just add it to your portfolio.
Can I buy it any time?
Yes - it can be added at any point, not only at renewal.
Are electric or hybrid vehicles included?
Yes, with the 120% cash compensation as the standard fallback (since matching second-hand EVs can be harder).
What's the warranty?
1-year warranty with unlimited kilometres on the replacement vehicle. An optional Mechanical Warranty extension is available for serious incidents.
Does the original car get scrapped?
Caser handles the de-registration of the totalled vehicle for you, including all paperwork.
Get your Special add-on cover quote
Fill in the details and our team will come back to you with a written quote.
Compare with other Caser tiers
Same insurer, different cover levels. Find the fit for your situation.