MMT Seguros Casco (own-damage car insurance) (Todo Riesgo)

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 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 After total-loss payment, the contract is rescinded except that mandatory RC remains until end of the current coverage period if the insured repairs the vehicle at their own cost.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 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.

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.

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.

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 damage to the insured vehicle is covered under the own-damage (daños propios) guarantee, except for vandalism affecting only tyres (covers and inner tubes), which is excluded. Vandalism damage is separately excluded under the theft/robbery guarantee.

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.

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.