MGS
MGS is a motor casco insurance for the ES market with no online purchase and 24/7 assistance.
Direct payment
MGS advances the indemnification for vehicle damage whenever the third-party insurer has formally acknowledged its payment obligation or has been ordered to pay by a final court judgment.
Geographic scope
Spain (nationwide)
Mandatory civil liability covers the European Economic Area; Green Card extends coverage to additional signatory states, Andorra and Gibraltar upon request.
Unique selling points
- Total-loss indemnification at 100% of the vehicle's new value for the first two years, rising to 130% of market value from year three — above standard market practice.
- 24/7 nationwide roadside assistance including EV battery recharge or tow to the nearest charge point, accessible via a single phone number (917 572 404) all year round.
- Free replacement vehicle with an equivalent environmental label for EV/PHEV policyholders subscribed to Asistencia en viaje Class, subject to availability.
- Automatic doubling of the death indemnification when both spouses die in the same accident and minor children survive, at no additional cost.
- Free Green Card on request extending civil liability to all Multilateral Guarantee Agreement signatory states, Andorra and Gibraltar, beyond the mandatory EEA scope.
Coverage limits
Own damage (daños propios)
Covered
Covers all damage suffered by the insured vehicle as a consequence of traffic accidents or malicious acts by third parties, whether the vehicle is stationary or in motion. Available in the Todo Riesgo modalidad (with or without deductible). During the first two years the vehicle is indemnified at 100% of its new value; from the third year onwards at 130% of market value (valor venal). No monetary cap is published in official sources.
Total loss indemnification
Covered
In the event of total loss, MGS indemnifies at 100% of the vehicle's new value during the first two years and at 130% of market value (valor venal) from the third year onwards. This benefit applies within the Todo Riesgo modalidad.
Partial loss / partial damage
Covered
Partial damage to the insured vehicle is covered under the own-damage guarantee of the Todo Riesgo modalidad. Where a deductible is selected, the insured pays the deductible amount and MGS covers the remainder. No specific monetary sublimit is published for partial loss.
Theft and robbery
Covered
Covers total theft of the insured vehicle and, subject to policy conditions, damage caused by theft or attempted theft. Available from the Terceros + Lunas + Robo + Incendio modalidad upwards, and is fully included in Todo Riesgo. Non-standard accessories not declared at policy inception are excluded. The theft must be reported to the competent authorities.
Glass / windscreen damage
Covered
Covers breakage of windscreen, rear window and side windows with repair or replacement through the agreed glass repair network. Included from the Terceros + Lunas modalidad upwards, and fully included in Todo Riesgo. No monetary cap is published for this coverage.
Natural perils
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Vandalism / malicious acts by third parties
Covered
The Todo Riesgo modalidad explicitly covers damage resulting from malicious acts by third parties (hechos malintencionados de terceros), whether the vehicle is stationary or in motion. This perils category is intrinsic to the Todo Riesgo definition. Non-standard undeclared accessories are excluded.
Roadside assistance (Asistencia en viaje)
Optional
Optional guarantee available in multiple levels: Asistencia en viaje (Responde) covers tyre puncture repair, fuel supply, battery recharge (including EV recharge or tow to charge point), and towing to the nearest or chosen garage 24 hours a day. Asistencia en viaje Class adds a replacement vehicle. Passengers are transported to their destination provided the cost does not exceed the cost of transport back to the departure point. Available as an add-on to all modalidades including Todo Riesgo. Phone: 917 572 404 (Spain) / +34 913 939 030 (abroad).
Replacement vehicle
Optional
A free replacement rental vehicle is provided to policyholders subscribed to Asistencia en viaje Class in the event of a long-repair accident or theft. For electric/plug-in hybrid vehicle holders, a substitute vehicle with an equivalent environmental label is provided subject to availability. This is not included in the base Todo Riesgo policy; it requires the Class level of roadside assistance.
Driver accident cover
Optional
Optional guarantee covering death and permanent disability of the driver (and occupants when Personal Pack is contracted). MGS automatically doubles the death indemnification when both spouses die in the same accident and minor children survive. The Personal Pack extends death and permanent disability coverage to the policyholder, owner, habitual driver and additional persons. Exact capital amounts are not published in official web sources.
Key conditions
driver_age_experience_limit
No specific minimum/maximum driver age or licence experience requirement is stated in official MGS web sources for the MultiAuto Selección product. Third-party data indicates that premiums are typically higher for drivers under 25 or newly licensed, consistent with general Spanish market practice.
repair_network_requirements
MGS operates a network of approved repair workshops (talleres concertados) covering bodywork, paint and glass repair across Spain. Policyholders have the legal right to free choice of workshop. Using the MGS preferred network provides advantages such as faster expert assessment, repair verification for serious safety-affecting damage, and easier access to replacement vehicles.
territorial_scope
Civil liability covers the European Economic Area. A free Green Card (Carta Verde) can be requested to extend civil liability to additional signatory states of the Multilateral Guarantee Agreement, as well as Andorra and Gibraltar. Coverage for damage to own vehicle (own damage, theft, fire) follows the territorial scope stated in the specific policy conditions.
anti_theft_requirements
Non-standard accessories (aftermarket modifications, enhancements, or ornamental additions not included in the manufacturer's standard specification) must be declared at policy inception. Undeclared accessories are excluded from fire, theft and own-damage guarantees in the event of a claim.
claim_notification_deadline
No specific claim notification deadline (hours or days) is published in official MGS web sources for this product. Policyholders should contact MGS at 917 572 404 as soon as possible after an incident.
deductible_rules
The Todo Riesgo modalidad is available with or without deductible (franquicia). When a deductible is selected, the insured pays that fixed amount per own-damage claim and MGS covers the remainder. If the damage is equal to or less than the deductible, the insured bears the full cost. Multiple deductible levels are available for selection. Official guidance advises against selecting a deductible above €200, as this increases the insured's out-of-pocket exposure per claim.
Documents
MultiAuto Selección product introduction page (Tríptico and Nota Informativa referenced here)
other
Policy specifics
Own damage coverage
Coverage for damage to the insured vehicle from accidents and malicious acts of third parties, available in casco/todo riesgo policies
Theft coverage
Coverage for vehicle theft and illicit deprivation by third parties, included in extended third-party and comprehensive policies
Fire coverage
Coverage for vehicle damage due to fire and explosion, available in extended third-party and comprehensive policies
Replacement vehicle
Optional coverage providing replacement vehicle during repairs after a claim, typically with Auto Pack
Deductible
Amount payable by the insured in case of claim for own damage coverage; varies by policy selection
Agreed workshop network
MGS operates a network of approved repair workshops for vehicle repairs; free choice of workshop principle applies but incentivizes agreed network
New value / Market value assessment
With Auto Pack: first 2 years assessed at new value; subsequently at market value (valor venal). Without pack: assessed at market value
Non-standard accessories declaration requirement
All non-standard accessories (modifications, enhancements) must be declared at policy inception or they will not be covered under own damage, theft, or fire guarantees
Civil liability coverage
Mandatory obligation to cover damage caused to third parties; extends to European Economic Area with optional Green Card for additional coverage