Mutua Madrileña Casco (own-damage car insurance) (Casco Todo Riesgo)

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.

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.

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.

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.

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.

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.

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.

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.

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.