Mutua Madrileña
Mutua Madrileña is a motor casco insurance for the ES market with online purchase and 24/7 assistance.
Direct payment
Mutua Madrileña may substitute the indemnification payment with direct repair of the damaged vehicle at an authorised workshop. Indemnification is paid at purchase value (valor a nuevo) for total loss or theft during the first year (standard product) or first two years (Integral/Plus variants), and at market value (valor venal) thereafter.
Geographic scope
ES
España (asistencia en viaje cubre el Espacio Económico Europeo y Estados adheridos al Convenio Multilateral de Garantía); daños en el extranjero excluidos salvo autorización expresa de Mutua Madrileña; cobertura suspendida si el vehículo permanece en el extranjero más de 30 días.
Unique selling points
- Guaranteed roadside assistance arrival in under 1 hour anywhere on Spain's road network, or €100 compensation paid automatically if delayed.
- Total loss and theft indemnification at original purchase price (valor a nuevo) for the first year, protecting the full investment in a new vehicle.
- Free annual safety inspection of brakes, discs, and brake pads included in every Todo Riesgo policy at no extra cost.
- Network of over 7,000 authorised workshops across Spain, including specialists in electric and hybrid vehicle repairs with access to official OEM parts.
- Flexible deductible option starting from €200 allowing customers to tailor premium costs, with a no-deductible variant available for maximum peace of mind.
Coverage limits
Own vehicle damage
Covered
Covers damage to the insured vehicle caused by accident, fire, or explosion, including standard accessories and optional accessories declared in the policy, even when the insured is at fault. Vandalism and collisions with unidentified vehicles (when mechanical damage is present) are also covered. Subject to the agreed deductible (franquicia), if applicable.
Total loss
Covered
When the cost of repair exceeds the vehicle's market value (valor venal), the insurer declares total loss. Indemnification is at the original purchase price (valor a nuevo) if the loss occurs within the first year from registration (standard product); at market value (valor venal) for vehicles older than one year. The vehicle wreck remains the property of the insured after deducting its residual value.
Partial loss / repair costs
Covered
Covers the cost of repair parts and labour for partial damage to the insured vehicle. Repairs are valued at the cost of materials and labour. For parts showing evident wear or with a service life shorter than the vehicle, valuation is at market (venal) value. Repairs must be carried out at an authorised Mutua Madrileña workshop. Subject to the deductible (franquicia) if contracted.
Theft and robbery
Covered
Covers total theft of the vehicle (indemnified at purchase value in year 1, at market value thereafter), theft of fixed factory-fitted parts and declared accessories, damage caused during an attempted theft, and material damage to the vehicle while stolen. If the vehicle is not recovered within 30 days, the insurer pays the indemnification. Tyre and battery theft is excluded in case of partial loss (indemnified at 80% of venal value); covered in total loss. Subject to the deductible (franquicia) if contracted.
Glass / windscreen damage
Covered
Covers repair or replacement of damaged vehicle glass, including the windscreen, rear window and side windows. Coverage extends to the panoramic roof where fitted. Included in both Todo Riesgo (with and without deductible) variants.
Natural perils / atmospheric phenomena
Covered
Damage from ordinary atmospheric events (hail, rain, non-extraordinary wind, snow) is covered under the own-damage (daños propios) guarantee of the Todo Riesgo policy. Extraordinary natural catastrophes (extraordinary floods, cyclonic storms with gusts above 120 km/h, earthquakes, etc.) are handled by the Consorcio de Compensación de Seguros (CCS), not directly by Mutua Madrileña, as mandated by Spanish law.
Vandalism
Covered
Covers damage to the insured vehicle caused by vandalism or malicious acts by third parties, subject to the conditions specified in the policy. Covered under the own-damage (daños propios) clause of the Todo Riesgo policy, subject to the deductible (franquicia) if applicable.
Roadside assistance (from km 0)
Covered
Mutua Madrileña guarantees roadside assistance within 1 hour for any incident (breakdown, flat tyre, fuel shortage, lost keys, accident, battery discharge) anywhere on Spain's ordinary road network, from km 0. If assistance takes longer than 1 hour, the insured receives €100 compensation. Coverage extends across the European Economic Area and countries adhering to the Multilateral Guarantee Convention. Maximum of 7 mechanical assistance events per policy year.
Replacement vehicle
Optional
Available as an optional add-on for the standard Todo Riesgo product. Provides a compact 4-or-5-seat saloon car with unlimited mileage. Coverage periods: up to 10 days for an immobilising accident, up to 3 days for an immobilising breakdown, up to 30 days in case of theft (available 72 hours after the theft is reported). If a replacement vehicle cannot be provided, a daily cash indemnification is paid instead.
Driver and occupant accident cover
Covered
Covers the driver and insured occupants of the vehicle for death, permanent invalidity, and medical/hospital/pharmaceutical/transport expenses arising from a road accident. Coverage limits are set in the Particular Conditions. Cosmetic injuries and invalidity assessments of 5 points or less are excluded.
Key conditions
driver_age_experience_limit
No explicit minimum driver age or experience threshold is stated in the standard Todo Riesgo general conditions for the base product. Additional drivers over 26 years of age are covered by default without needing to be named in the policy. Younger or inexperienced drivers may be subject to higher premiums or specific underwriting conditions as set out in the Particular Conditions.
repair_network_requirements
Vehicle repairs must be carried out at an authorised workshop from Mutua Madrileña's network (taller concertado), listed at www.mutua.es. Using an authorised workshop provides additional benefits. Repairs abroad are excluded without prior written authorisation from Mutua Madrileña. The Todo Riesgo Plus variant may offer a free-choice workshop option; confirm in Particular Conditions.
territorial_scope
The policy covers vehicle damage and claims arising in Spain. Roadside assistance extends to the European Economic Area and countries adhering to the Multilateral Guarantee Convention. Damage incurred or repaired abroad requires Mutua Madrileña's prior authorisation. Coverage is suspended if the vehicle stays abroad for more than 30 consecutive days. Extraordinary natural catastrophes in Spain are covered by the Consorcio de Compensación de Seguros.
anti_theft_requirements
No specific anti-theft device requirement is stated in the publicly available general conditions for the standard Todo Riesgo product. However, the policyholder must file a report with the relevant authorities (Civil Guard, National or Regional Police) in case of theft or attempted theft as a condition for processing the claim.
claim_notification_deadline
The insured must notify Mutua Madrileña of any claim within a maximum of 7 days from becoming aware of its occurrence. Notification can be made via the personal online area, email, Mutua offices, mobile app (MutuaMás), WhatsApp, or by telephone (915 555 555). Delayed notification may affect coverage.
deductible_rules
The Todo Riesgo product is available with or without a deductible (franquicia). The minimum deductible available is €200. When a deductible is agreed, it applies to each claim event for own damage, fire, and theft. Mutua Madrileña pays the repair or indemnification amount exceeding the deductible. Choosing a higher deductible reduces the annual premium. With no deductible, the insurer covers 100% of covered costs.
Where to buy
Documents
Condiciones Generales – Seguro Coche Todo Riesgo (TRB)
terms_and_conditions
IPID – Seguro Coche Todo Riesgo (V2)
ipid
IPID – Seguro de Automóviles Todo Riesgo (2024)
ipid
Guía de Buenas Prácticas UNESPA – Todo Riesgo
other
Condiciones Generales – Seguro Coche Todo Riesgo (2015)
terms_and_conditions
Policy specifics
New value coverage
Coverage that guarantees indemnification at the original purchase price in case of total loss or theft during the first years
Replacement vehicle
Service providing a substitute vehicle in case of accident, breakdown, or theft
Roadside assistance from km 0
Coverage for vehicle assistance starting from 0 kilometers, including towing, fuel delivery, tire changes, and lockout services
Flexible deductible
Option to choose deductible amount starting from €200 to reduce premium costs
Annual free safety inspection
Free annual inspection of vehicle safety elements including brakes, discs, and brake pads
Replacement vehicle
Replacement vehicle is an optional add-on for the standard Todo Riesgo product. When contracted, it provides a compact 4-or-5-seat saloon with unlimited mileage: up to 10 days for an immobilising accident, up to 3 days for an immobilising breakdown, up to 30 days for theft (commencing 72 hours after the theft). If no vehicle is available, a daily cash payment is made instead.
Annual free safety inspection
Todo Riesgo policyholders receive a free annual inspection of the vehicle's key safety elements (brakes, discs, brake pads, and other safety components) to detect anomalies and prevent accidents.
Network repair workshop requirement
Vehicle repairs must be performed at Mutua's authorized workshop network; free choice in some variants
Vehicle age affects compensation method
Vehicles less than 1-2 years old indemnified at purchase value; older vehicles indemnified at market value (venal value)
Accurate risk declaration requirement
Policyholder must declare all circumstances affecting risk assessment and notify insurer of any changes during policy term
7-day claim notification deadline
Policyholder must notify insurer of claim within maximum 7 days of becoming aware of the loss
Vehicle age affects compensation method
For the standard Todo Riesgo (TRB) product, vehicles less than 1 year old at the time of total loss or theft are indemnified at the original purchase price (valor a nuevo); vehicles over 1 year old are indemnified at market value (valor venal). For the Integral and Plus variants, the new-value period extends to 2 years.