MAPFRE
MAPFRE is a motor casco insurance for the ES market with online purchase and 24/7 assistance.
Direct payment
MAPFRE pays repair costs directly to the authorized workshop network. Free workshop choice is also available; the insured may choose any workshop, with MAPFRE settling costs directly with the repairer in the agreed network, or reimbursing verified invoices when a non-network workshop is used.
Geographic scope
ES
España y Principado de Andorra para coberturas voluntarias; Espacio Económico Europeo y Estados adheridos al Convenio Multilateral de Garantía para Responsabilidad Civil obligatoria
Unique selling points
- Roadside assistance included from kilometre zero with unlimited annual callouts, covering towing on non-standard roads — a level of service not universally offered at basic tier.
- Total loss indemnification at 100% new vehicle value in the first year of registration, with no depreciation applied to parts in subsequent repair claims.
- Free workshop choice guaranteed on all Todo Riesgo policies, backed by a network of over 2,500 partner workshops offering exclusive services including free ITV and post-repair vehicle cleaning.
- Legal defence and claims recovery included as standard up to EUR 3,000, with the insured's right to freely choose their own lawyer from the moment the insurer's intervention is triggered.
- Flexible deductible selection (including zero-deductible option) combined with the CaReward telematics programme offering discounts of up to two months' premium for safe driving behaviour.
Coverage limits
Own vehicle damage
Covered
Covers damage to the insured vehicle resulting from a traffic accident caused by an external, violent, sudden and involuntary event, whether the vehicle is in circulation, at rest or during transport. For the first year after first registration, indemnification is at new vehicle value; from the second year onwards at market value without depreciation of parts. In partial loss, indemnification is based on cost of materials and labour.
SourceTotal loss
Covered
Total loss is declared when the estimated repair cost exceeds the vehicle value. During the first year after first registration, indemnification is at new vehicle value (100%); from the second year onwards at market value immediately before the loss. The insured may opt for cash indemnification or replacement with a vehicle of equivalent characteristics. In theft total-loss cases, indemnification is at market value.
SourcePartial loss / repair
Covered
Where the vehicle is not a total loss, indemnification is based on the cost of replacement parts and repair labour. Urgent on-site repairs up to EUR 160 may be carried out by the insured directly, subject to documentation. A deductible (franquicia) may apply per the Particular Conditions; the deductible is not applied for fire/explosion events.
SourceTheft and robbery
Optional
Optional coverage (included as standard in the Todo Riesgo variant per official product pages) covering: (a) theft of the complete vehicle; (b) theft of parts indemnified at repair/replacement cost; (c) damage caused to the vehicle during the period it is in the possession of third parties following theft. Insurer is not liable where gross negligence by the insured facilitated the theft, or theft committed by cohabiting family members or employees. If the vehicle is recovered within 30 days the insured must accept it.
SourceGlass / windscreen damage
Optional
Optional coverage (included in Todo Riesgo per official product pages) covering repair or indemnification for breakage of the front and rear windscreens, door glasses and other lateral glasses when caused by an external, violent, sudden and involuntary event. Excludes scratches from use, surface marks not constituting breakage, and other glass surfaces (mirrors, optics, roof panels). Deductible or limits per Particular Conditions.
SourceNatural perils / weather phenomena
Optional
Extraordinary natural events (earthquakes, floods, volcanic eruptions, atypical cyclonic storms, meteorite falls, etc.) are covered via the mandatory Consorcio de Compensación de Seguros surcharge, applicable when the Daños e Incendio coverage is contracted. Hail and weather damage on ordinary routes are included within the own-damage coverage. No deductible applies for cinegetic-accident claims per Artículo 29.
SourceVandalism
Covered
Isolated acts of vandalism (intentional deterioration of a parked vehicle) are covered under own-damage (daños propios) within the Todo Riesgo product, as confirmed by official product pages. This is included as part of the own-damage cover and subject to any applicable deductible.
SourceRoadside assistance
Covered
24/7 roadside assistance included from kilometre zero (km 0) with no limit on callouts per year, covering towing to nearest suitable garage, mechanical assistance on-site, wheel change, key retrieval, fuel delivery, and transport of insured persons. Coverage applies in Spain, Andorra, and can be extended to all European countries and Mediterranean-rim states. The insurer guarantees attendance on non-standard roads (vías no aptas) as well.
SourceReplacement vehicle
Optional
Optional add-on providing a rental vehicle (up to group C) for the number of consecutive days specified in the Particular Conditions while the insured vehicle is immobilised for repair or recovery following a covered damage, fire, or theft event. Only available where the habitual driver is over 22 years old and holds a driving licence of more than 1 year's seniority.
SourceDriver accident / personal injury
Optional
Optional coverage (included as standard in the Todo Riesgo product per official pages) covering bodily injury to the authorised and legally-licensed driver: death benefit, permanent disability (scaled by barème from 5% to 100% of the insured capital), medical/healthcare expenses up to the sum stated in Particular Conditions for 365 days from accident, plus complementary benefits for vehicle adaptation (EUR 2,000) and home adaptation (EUR 15,000) in severe disability cases.
SourceKey conditions
driver_age_experience_limit
No minimum age or experience restriction applies to the named insured for the base casco coverage. However, the optional replacement vehicle add-on requires the habitual driver to be over 22 years old with more than 1 year of driving licence seniority. Risk factors such as driver age, licence seniority and claims history are declared at inception and may influence the premium.
repair_network_requirements
Free workshop choice is available under the Todo Riesgo policy; the insured may use any workshop. MAPFRE also offers access to a partner network of over 2,500 approved workshops with exclusive benefits. When using MAPFRE's network, repairs are guaranteed. Urgent on-site repairs up to EUR 160 may be self-arranged and later reimbursed upon presentation of receipts.
territorial_scope
Voluntary coverages (own damage, fire, theft, glass, driver accident, legal defence) apply to incidents occurring in Spain and the Principality of Andorra. Extension to other European countries and Mediterranean-rim states requires a special endorsement. Roadside assistance applies from km 0 in Spain and Andorra and can be extended to Europe and Mediterranean-rim countries as stated in the Particular Conditions.
anti_theft_requirements
No specific anti-theft device requirement is stated in the General Conditions. However, the insurer will not indemnify theft where the insured's gross negligence manifestly facilitated the theft (e.g. leaving keys in the vehicle). Theft committed by cohabiting family members or employees is also excluded. Theft of keys alone (without the vehicle) is not covered.
claim_notification_deadline
The insured must notify the insurer of the loss within a maximum of 7 days of becoming aware of it, unless a longer period is agreed in the Particular Conditions. Failure to notify within this period may entitle the insurer to claim damages for losses attributable to the late notification, unless it can be proved the insurer learned of the loss by other means. The insurer must begin damage assessment within 3 days of receiving the claim declaration and must make a minimum payment within 40 days.
deductible_rules
The Todo Riesgo product is available in two variants: with deductible (con franquicia) or without deductible (sin franquicia). The deductible amount is set by the policyholder and stated in the Particular Conditions. No deductible is applied to losses caused solely by fire or explosion. No deductible applies to losses from collision with large game (cinegéticas de caza mayor) as per Artículo 29. For the Consorcio extraordinary-events coverage, a 7% deductible of damage value applies to material damage (excluding vehicles and dwellings).
Where to buy
Documents
Condiciones Generales – Póliza de Seguro de Automóviles para Camiones, Vehículos Industriales y Agrícolas (Ref. MA002C, Edición Enero 2012)
terms_and_conditions
Policy specifics
Own vehicle damage coverage
Covers damage to the insured vehicle regardless of fault in accident, independent of third-party involvement
Deductible options
Comprehensive coverage available with or without deductible; policyholder selects deductible amount to reduce premium
Replacement vehicle benefit
Optional add-on providing rental car during repair or recovery period after accident or theft
Theft and fire coverage
Comprehensive covers theft of vehicle, fire damage, and broken glass/windows
Legal defense and traffic fine protection
Covers legal costs and provides defense assistance up to €3,000; includes traffic fine claim service
Deductible application exceptions
No deductible applies for weather phenomena, hunting accidents (cinegéticos), theft and fire in some conditions
Total loss vehicle valuation
For total loss claims, indemnification based on new vehicle price in first year, market value subsequent years without depreciation
Workshop selection policy
Comprehensive policy offers free workshop choice for repairs; access to MAPFRE partner network with exclusive benefits