Insurer profile
MGS, Seguros y Reaseguros S.A.
MGS, Seguros y Reaseguros S.A. · Spain
Overview
MGS, Seguros y Reaseguros S.A. is a Spanish multi-line insurer founded in 1907 as Mutua General de Seguros. Headquartered in Zaragoza, it offers a broad range of insurance products for individuals and businesses, distributed almost exclusively through a network of over 1,700 mediators and 65 branches nationwide. At year-end 2023 it reported a Solvency II ratio of 279% and over 432,000 clients.
Source39
Products in this market
2
Offer pages
Company details
- Regulator
- Directorate-General for Insurance and Pension Funds (DGSFP) — registered under number C794
- Phone
- +34 918 073 709
- [email protected]
Products from MGS, Seguros y Reaseguros S.A.
Motor4
Multiauto Selección (Car Insurance)
Comprehensive car insurance for private and commercial vehicles combining multiple coverage levels with roadside assistance and the AutoGuardián connected device.
Multiauto Comercial (Commercial Vehicle Insurance)
Insurance for commercial vehicles used by businesses, with coverages and guarantees tailored to commercial fleet use.
MGS Personal Mobility Insurance (MGS Movilidad Personal)
Insurance for personal mobility devices such as e-scooters and bicycles, covering civil liability and accident assistance.
MGS Haulage / Transporters Insurance
Insurance for professional road transport operators covering mandatory civil liability, cargo, and vehicle damage.
Property10
MGS Home Insurance – Primary Residence (Hogar Habitual)
Home insurance for the primary residence, covering damage, water leaks, theft, and third-party liability with 24-hour home assistance.
MGS Holiday Home Insurance (Hogar Ocio)
Home insurance designed for secondary or holiday residences, with coverages adapted to non-permanent occupancy.
MGS Rental Home Insurance (Hogar Alquiler)
Home insurance for rented properties, covering the landlord's assets and liability arising from the tenancy.
MGS Rental Protection Insurance (Protección Alquiler)
Rental protection insurance that covers the landlord against tenant non-payment and associated legal expenses.
MGS Community (Homeowners Association) Insurance
Insurance for residential communities (homeowners associations) covering common areas, civil liability, and building damage.
MGS Commerce Insurance (Comercio Activo)
Multi-risk commercial property insurance for retail businesses covering premises, stock, civil liability, and business continuity.
MGS Hotel Insurance
Multi-risk insurance for hotels and hospitality establishments covering the building, contents, civil liability, and loss of income.
MGS Office Insurance
Multi-risk insurance for office premises covering property damage, civil liability, and business interruption.
MGS SME Insurance (Multirriesgo Empresa XXI)
Comprehensive multi-risk insurance for SMEs and small businesses covering property, liability, and business continuity risks.
MGS Construction Insurance
Construction-sector insurance including ten-year latent defects cover, contractor civil liability, and works insurance.
Health3
MGS Health Selection (Salud Selección)
Full health insurance providing access to an extensive medical and dental network, telemedicine services, and specialist consultations.
MGS Essential Health (Salud Esencial)
Entry-level health insurance plan offering access to basic medical care and general practitioner services.
MGS Dental Health (Salud Dental)
Standalone dental insurance covering preventive and restorative dental treatments through a network of dental clinics.
Liability2
MGS Professional Civil Liability Insurance (R.C. Profesional)
Professional indemnity insurance for businesses and self-employed professionals covering claims arising from professional errors or omissions.
MGS Pollution/Environmental Liability Insurance (Seguros de Contaminación)
Civil and environmental liability insurance covering damages arising from pollution incidents caused by business activities.
Life2
MGS Universal Life Insurance (Vida Universal)
Whole life insurance providing a capital payout to beneficiaries upon the insured's death, with flexible coverage options.
MGS Group Life Collective Insurance (Colectivo Empresa 2000)
Group life insurance for companies covering employees collectively with death and disability benefits linked to employment.
Financial4
MGS Guaranteed Savings Plan – PIAS (Plan Ahorro Garantizado – PIAS)
Individual savings plan (PIAS) with guaranteed capital and tax advantages for building long-term savings.
MGS Future Savings Plan (Plan Ahorro Futuro)
Flexible savings insurance plan offering guaranteed returns and liquidity from the first year.
MGS Insured Pension Plan – PPA (Plan Previsión Asegurado PPA)
Insured pension plan (PPA) with tax benefits designed for retirement planning, guaranteeing the invested capital.
MGS Plan 5 Guaranteed – SIALP (Plan 5 Garantizado – SIALP)
Long-term individual savings insurance plan (SIALP) with capital guarantee and special tax treatment after five years.
Cyber2
MGS Cybersecurity Insurance (MGS Ciberseguridad)
Comprehensive cybersecurity insurance for SMEs and professional firms covering cyber incident response, data protection liability, and business interruption from cyberattacks.
MGS e-Pack Web Insurance
Web-focused cyber insurance product for businesses protecting against online risks, website incidents, and digital liabilities.
Other10
MGS ProFamilia (Funeral/Bereavement Insurance)
Bereavement (decesos) insurance that covers all funeral services and associated expenses for the insured and their family.
MGS ProFamilia Tranquilidad (Enhanced Bereavement Insurance)
Enhanced bereavement (decesos) insurance with broader coverage and additional peace-of-mind services for the policyholder's family.
MGS Universal Accident Insurance (Accidentes Universal)
Personal accident insurance for individuals providing medical assistance, daily allowances, and capital benefits in case of death or permanent disability.
MGS Leisure & Sports – Recreational Watercraft Insurance (Embarcaciones de Recreo)
Insurance for recreational boats and watercraft, covering civil liability, damage to the vessel, and nautical assistance.
MGS Hunting & Fishing Insurance (Seguro Integral de Caza-Pesca)
Comprehensive insurance for hunters and fishermen covering civil liability and personal accident during leisure activities.
MGS Collective Accident Insurance (Accidentes Colectivo)
Group accident insurance for companies covering employees collectively against work and non-work accidents.
MGS School Accident Insurance (Accidentes Escolar)
Accident insurance for schoolchildren covering injuries sustained during school activities and extracurricular events.
MGS Festival & Events Accident Insurance (Accidentes Festejos)
Accident insurance for local festivals, celebrations, and public events, covering participants against personal injuries.
MGS Collective Agreement Insurance (Seguro de Convenios)
Insurance designed to cover the obligations of collective bargaining agreements (convenios) for employees, including accident and life risk benefits.
MGS Agricultural & Livestock Insurance (MGS Agropecuario)
Agricultural and livestock insurance covering farming operations and agri-business risks including crop and livestock protection.
Regulatory updates
MGS, Seguros y Reaseguros S.A. is registered with the DGSFP (Spain's insurance regulator) under number C794. As of 2023, the company maintained a Solvency II ratio of 279% of the minimum required capital, well above regulatory requirements. The company relocated its registered office within Zaragoza from Paseo María Agustín 4 to Calle Don Jaime I 32 in April 2025.
Reputation and reviews
Offer pages
Casco (own-damage car insurance)
casco (own-damage car insurance) from MGS for the Spain market, with 24/7 assistance.
Last verified Jul 18, 2026
Motor third-party liability
motor third-party liability insurance from MGS Seguros for the Spain market, with 24/7 assistance.
Last verified Jul 17, 2026