MMT Seguros
MMT Seguros is a motor casco insurance for the ES market with online purchase and 24/7 assistance.
Direct payment
Repairs must be carried out at MMT-designated workshops ('Mi Taller Preferente' clause). The insurer pays the workshop directly for covered repairs, except in total-loss cases where cash indemnification is paid. The insured must present the repair invoice/receipt when payment of repair costs is agreed.
Geographic scope
Spain
Voluntary coverages apply in Spain, Andorra and EU member states. Roadside assistance extends to Europe and Mediterranean-bordering countries, and for personal risks, worldwide. Driver accident cover applies worldwide except unexplored regions. Traffic-offence defence applies in Spain only.
Unique selling points
- 100% new-value indemnification during the first year from registration date in case of total loss, regardless of the accident cause.
- Market value (valor venal) enhanced by 15% for total-loss claims by collision, fire or theft from the second year onwards — above the standard market-value payout competitors offer.
- Driver accident cover (Accidentes individuales) optionally available with up to 37,563 EUR capital for death or permanent disability, applicable worldwide.
- Optional 'Asistencia en viaje Platino' includes a replacement vehicle for accident, theft and breakdown — a service many insurers charge extra for or exclude from standard comprehensive policies.
- As a non-profit mutual insurer (Mutua) operating since 1932, MMT Seguros passes surplus back to members and offers no-commission direct contracting with personalised claims service and its own 24-hour repair centre in Madrid.
Coverage limits
Own vehicle damage (daños propios)
Covered
Covers physical damage to the insured vehicle resulting from a traffic accident, regardless of fault, within the limits set in the Particular Conditions. Available with or without deductible (franquicia). Excludes damage caused by transported objects, seismic/thermal/atmospheric phenomena (unless atmospheric-damage cover is added), vandalism affecting only tyres, post-accident depreciation, undeclared accessories, driving on unsuitable surfaces, and mechanical failures triggered by continued use after an accident.
Total loss / constructive total loss
Covered
Total loss is declared when the estimated repair cost exceeds 100% of the new, acquisition or market value. Valuation method: (a) if loss occurs within 2 years of first registration and insured is first owner: 100% new value; if second or later owner: acquisition value; (b) after 2 years from first registration: market value (valor venal) at the time of loss; (c) for daños propios, fire or theft, market-value indemnification is increased by 15%. Vehicle remains with the insured and its salvage value is deducted from the indemnification. After total-loss payment, the contract is rescinded except that mandatory RC remains until end of the current coverage period if the insured repairs the vehicle at their own cost.
Partial loss (partial own-vehicle damage)
Covered
Partial damage to the insured vehicle is covered as part of the daños propios guarantee. The insurer pays for repair at designated workshops or indemnifies based on the workshop valuation. A deductible (franquicia) applies when the 'con franquicia' sub-variant is selected. The insured must provide the repair invoice as a prerequisite for payment.
Theft and attempted theft
Covered
Covers theft and attempted theft of the insured vehicle. In case of total loss by theft, indemnification is based on market value (valor venal) plus 15% uplift. Accessories are only covered if expressly declared in the Particular Conditions. Exclusions include: theft due to gross negligence by the insured/policyholder/driver or co-habitants; theft by family members up to third degree of consanguinity or employees; theft during extraordinary-risk events; loss of keys/remote controls; vandalism damage; and accessories not declared in the policy.
Windscreen and glass repair/replacement
Covered
Covers repair or replacement of the insured vehicle's glass windscreens (basic lunas). Exclusions: headlights, taillights, lamps, interior/exterior mirrors, glass roofs, sunroofs or other glass objects; non-glass materials; breakage occurring during repair work; undeclared accessories; and glass installed in canvas roofs or folding tops where replacement also requires changing the roof/hood.
Damage from atmospheric/weather events
Optional
Optional cover for vehicle damage caused by non-extraordinary atmospheric phenomena (e.g. hail, storms, flooding). Must be expressly contracted in the Particular Conditions. Exclusions: damage to convertibles without the roof up; damage from leaving doors/windows/sunroofs open; and damage from extraordinary atmospheric events covered by the Consorcio de Compensación de Seguros.
Vandalism
Excluded
Vandalism is not a named coverage in the Todo Riesgo policy. Vandalism damage is explicitly excluded from own-damage (daños propios) cover when it affects only tyres (covers and inner tubes). Vandalism damage is also listed as an exclusion under theft/robbery cover. No standalone vandalism guarantee exists in this product.
Roadside/travel assistance (Oro / Oro+ / Platino)
Optional
Optional roadside and travel assistance available in three tiers: Oro, Oro+, and Platino. Coverage extends to Europe and Mediterranean-bordering countries and, for personal risks, worldwide. The 24/7 assistance helpline (900 60 00 60) must be contacted before assistance is arranged; reimbursements for services not arranged by the insurer are not covered. Exclusions include: pre-existing illnesses; alcohol/drug-related incidents; dental/psychological treatments; repair costs (except in-situ repairs); spare-part costs; and dismantling charges.
Replacement vehicle (included in Platino roadside assistance)
Optional
A replacement vehicle is provided as part of the optional 'Asistencia en viaje Platino' tier. It covers accident, theft, and breakdown scenarios. Not included in the Oro or Oro+ tiers. Must be contracted separately as an optional add-on.
Driver accident cover (Accidentes individuales – Seguro del conductor)
Optional
Optional cover for the vehicle driver in case of accident while driving, boarding or alighting. Three capital tiers available: Mod. OM (22,537 EUR), Mod. ON (30,050 EUR), Mod. OO (37,563 EUR) – for death or permanent disability. Also covers medical assistance. Applies worldwide except unexplored regions. Exclusions include: illness, X-ray injuries, cardiac/cerebral events not caused by an accident, intentional self-harm, reckless conduct (judicially declared), suicide, food poisoning, surgical treatments unrelated to a covered accident, driving without a valid licence, consequences manifesting more than 365 days after the accident (unless causal link is proven by the beneficiary).
Key conditions
driver_age_experience_limit
No explicit driver age or minimum experience requirement is stated in the Todo Riesgo pre-contractual note. However, drivers under 25 years acting as occasional drivers must be declared to the insurer; adding such a driver may increase the premium. The insurer validates claim history and driving licence data via the Tirea system.
repair_network_requirements
The 'Mi Taller Preferente' clause requires that vehicle repairs be carried out at workshops designated by MMT Seguros, or that indemnification be based on the valuation performed at those workshops. This obligation does not apply in total-loss cases. MMT operates its own repair centre in Madrid (Mondéjar Repair Centre) and a nationwide network of approved workshops.
territorial_scope
Voluntary coverages apply in Spain, Andorra and EU member states. Roadside/travel assistance extends to Europe and Mediterranean-bordering countries, and for personal risks worldwide. Driver accident cover applies worldwide except unexplored/exploration-type destinations. Traffic-offence defence applies in Spain only. Mandatory third-party liability (RC Obligatoria) covers the entire EEA and countries adhering to the inter-office agreement.
anti_theft_requirements
No specific anti-theft device requirement is stated in the pre-contractual note. The insurer collects information on the vehicle's security elements at subscription. Theft coverage is excluded if the loss results from the insured's, policyholder's, or driver's gross negligence.
claim_notification_deadline
The policyholder, insured or beneficiary must notify MMT of a claim within a maximum of seven days from becoming aware of it, unless a longer period is set in the Particular Conditions. Judicial, extrajudicial or administrative notifications related to the claim must be communicated immediately. For theft claims, a police report (denuncia) must be filed with the competent authority and a copy provided to the insurer. For roadside assistance, the designated 24/7 assistance line must be called before any service is arranged.
deductible_rules
In the 'Todo Riesgo con franquicia' sub-variant, the insured bears a deductible amount per claim as agreed in the Particular Conditions for each covered peril. The deductible amount varies depending on vehicle characteristics. Selecting a higher deductible reduces the premium. For animal-collision cover, the cover is optional only under the 'con franquicia' sub-variant; it is included as standard under 'sin franquicia'. Deductibles cannot be invoked against injured third parties in mandatory RC claims.
Where to buy
Documents
Pre-contractual Information Note – Todo Riesgo con o sin Franquicia (Particular and Commercial Vehicles)
terms_and_conditions
Pre-contractual Information Note – Terceros Ampliado (Particular and Commercial Vehicles)
terms_and_conditions
Pre-contractual Information Note – Terceros (Particular and Commercial Vehicles)
terms_and_conditions
Policy specifics
Motorcycle helmet damage coverage
Coverage for replacement of approved motorcycle helmet in case of accident damage or breakage
Deductible/Franchise selection
Insureds can select different deductible amounts depending on vehicle characteristics and coverage type
Roadside assistance (optional)
Optional travel/roadside assistance coverage available with different tiers (Oro, Platino)
Claim reporting deadline
Insured must report accidents or damage within seven days of occurrence
Network repair restriction
Repairs must be done at designated quality workshops; limited choice of repair facilities
Total loss valuation method
Full new value compensation during first year; fair market value applied from second year onwards
Insurance fraud investigation procedures
MMT reserves right to investigate claims for accuracy and potential fraud