Motor third-party liability — Spain

[1] Bodily injury liability: €70,000,000 ↩

Mandatory civil liability coverage for bodily injury caused to third parties during vehicle circulation. Covers up to €70 million per claim regardless of the number of victims, in accordance with the V EU Motor Insurance Directive.

[2] Property damage liability: €15,000,000 ↩

Mandatory civil liability coverage for property damage caused to third parties during vehicle circulation. Covers up to €15 million per claim, in accordance with the V EU Motor Insurance Directive.

[3] Legal defence: Covered ↩

Covers the legal costs of defending the policyholder against third-party claims arising from a traffic accident with the insured vehicle. Also covers judicial and extrajudicial costs for recovering damages from the at-fault party. Specific monetary limit is stated in the policy's particular conditions.

[4] Green card: Covered ↩

Coverage automatically extends to all EEA countries, Vatican City, Monaco, San Marino, Gibraltar, and all signatory countries of the Green Card Convention (except Russia and Belarus), with no additional premium required.

[5] Passenger accident: Covered ↩

Occupant personal accident cover (death or permanent disability, and medical expenses) is included in all Allianz Auto Plus tiers, including the base Terceros tier, per the insurer's coverage comparison table.

Ocupantes – Fallecimiento o invalidez ✅ ✅ ✅ ✅ / Ocupantes – Gastos médicos ✅ ✅ ✅ ✅

[6] Bodily injury liability: €70,000,000 ↩

Mandatory coverage (Art. 23) covers bodily injury liability up to the legally regulated quantitative limits in force at the time of the accident (€70,000,000 per accident since 1 January 2008, updated annually by European CPI). Voluntary liability (Art. 25) extends coverage above the mandatory limit up to the amount agreed in the Condiciones Particulares. In bodily injury cases, the insurer is exempt if damage was solely due to the victim's own fault or unforeseeable force majeure unrelated to vehicle operation; vehicle defects and mechanical failures are not considered force majeure.

[7] Property damage liability: €15,000,000 ↩

Mandatory coverage (Art. 23) covers property damage liability up to the legally regulated quantitative limits (€15,000,000 per accident, updated annually by European CPI). Voluntary liability (Art. 25) extends above the mandatory limit up to the amount in the Condiciones Particulares. Coverage applies when the driver is found civilly liable under Arts. 1,902 et seq. of the Civil Code and applicable motor traffic legislation. Excludes damage to the insured vehicle itself, objects transported in it, and property belonging to the policyholder, insured, owner, driver or their family members up to the third degree of consanguinity.

[8] Legal defence: Covered ↩

Modalidad Sexta (Arts. 47–50) covers: criminal defence of the policyholder/owner/driver including attorney and court costs at insurer's expense; posting of bail bonds; claim for material and personal damages against responsible third parties including attorney fees; advance of accepted compensation up to €6,000 per claim. If the insured opts for free choice of attorney, reimbursement is capped at €1,200 per claim for defence/damage-claim fees and €300 for expert fees. Coverage is limited to Spain only.

[9] Green card: Covered ↩

The Green Card (Certificado Internacional de Seguro) is the document certifying that compulsory civil liability cover has been contracted. It is required to circulate in countries not party to the Multilateral Guarantee Convention (Inter-Bureaux countries). Coverage under the mandatory RC automatically extends through the Multilateral Guarantee Convention to all EEA states plus Andorra, Switzerland/Liechtenstein, Iceland, Norway, Croatia and Serbia. For Inter-Bureaux countries, the Green Card must be requested in advance.

[10] Passenger accident: Excluded ↩

The policy does not include a dedicated passenger accident coverage. Under the compulsory RC (Art. 23), passengers who are third parties (i.e. not the driver, policyholder, or close family members of these) are covered as injured third parties under the bodily injury liability coverage. However, there is no specific per-passenger accident capital or personal accident benefit for occupants beyond the mandatory RC indemnity. The driver accident insurance (Modalidad Quinta) covers only the driver. Family members of the policyholder/insured/driver are explicitly excluded as third parties under the voluntary RC.

[11] Bodily injury liability: €70,000,000 ↩

Mandatory civil liability covering bodily injury to third parties caused by the insured vehicle, up to 70 million EUR per claim. Also covers trailers that do not require their own insurance.

Esta cobertura incluye indemnizaciones de hasta 70 millones de euros en daños personales y hasta 15 millones de euros en daños materiales (cantidades por siniestro).

[12] Property damage liability: €15,000,000 ↩

Mandatory civil liability covering property damage to third parties caused by the insured vehicle, up to 15 million EUR per claim. Balumba additionally offers Voluntary Civil Liability extending coverage by a further 50 million EUR excess above mandatory limits.

Para tu mayor tranquilidad, ampliamos el límite legal de la cobertura anterior, hasta 50 millones de euros.

[13] Legal defence: €600 ↩

Included in all Balumba motor policies. Covers court fees, attorney fees, notary fees, expert fees, bail bonds in criminal proceedings, criminal defence for traffic accidents, and 24-hour phone assistance if detained. Free choice of attorney up to 600 EUR. Also covers claims for bodily injury suffered as a pedestrian, vehicle passenger, or non-motorised vehicle rider.

¿Quieres contar con tu propio abogado? Tenemos la libre elección de abogado con un límite de 600€. En caso de detención por alguna causa que cubramos tendrás asistencia telefónica 24 horas.

[14] Green card: Covered ↩

The Green Card is provided and can be downloaded from the customer portal. It is not required within the EU, EEA (Iceland, Norway, Liechtenstein), Switzerland, Andorra, or Croatia. It is required when travelling to non-EU Mediterranean rim countries covered by the Green Card system.

Dentro de la Unión Europea no es necesario llevarla, al igual que en Croacia, Islandia, Noruega, Suiza, Liechtenstein o Andorra por tener un convenio con España.

[15] Passenger accident: See details ↩

Separate passenger accident insurance is not explicitly offered as a standalone coverage in Balumba MTPL policies. Third-party passengers injured in an accident caused by the insured are covered under mandatory civil liability. Personal injuries to the insured driver are covered under the driver accident insurance.

esto en nuestros seguros a terceros también incluimos un seguro de accidentes del conductor, que cubre los daños personales que puedas sufrir mientras conduces, como consecuencia de un accidente del que seas responsable.

[16] Bodily injury liability: €70,000,000 ↩

Coverage for bodily injury and death caused to third parties as a result of traffic accidents involving the insured vehicle. Maximum indemnification of 70,000,000 EUR per claim, regardless of the number of victims, as established by Spanish regulation. The insurer is exempt if injuries resulted solely from the victim's fault or negligence or from force majeure unrelated to vehicle operation. Vehicle defects do not constitute force majeure.

El límite de dichas indemnizaciones asciende hasta 70.000.000 €, por siniestro para daños corporales, y a 15.000.000 € por siniestro para daños materiales.

[17] Property damage liability: €15,000,000 ↩

Coverage for property damage caused to third parties as a result of traffic accidents involving the insured vehicle. Maximum indemnification of 15,000,000 EUR per claim as established by Spanish regulation. The insurer covers the amount for which the driver is civilly liable under Articles 1902 et seq. of the Civil Code and Articles 109 et seq. of the Penal Code.

El límite de dichas indemnizaciones asciende hasta 70.000.000 €, por siniestro para daños corporales, y a 15.000.000 € por siniestro para daños materiales.

[18] Legal defence: Covered ↩

Legal defence insurance included in every policy modality, starting from Terceros básico, covering criminal defence of the driver and vehicle owner, claims for damages caused by third parties to the insured vehicle, occupants and their personal belongings, defence against administrative traffic sanctions, and telephone legal advisory service. Maximum guaranteed amount per claim as stated in the Particular Conditions. The insurer assumes legal direction for liability claims under the mandatory RC coverage (Primera A) at no extra cost.

El seguro de coche más barato es la modalidad a terceros básico. Esta, más allá de cubrir el mínimo legal con la cobertura de Responsabilidad civil, también te proporciona otras garantías de suma utilidad, como la asistencia en viaje o la defensa jurídica.

[19] Green card: Covered ↩

The mandatory RC coverage (Primera A) extends to the European Economic Area and all countries party to the Inter-Bureaux Convention (Green Card system), as required by Article 4 of Royal Legislative Decree 8/2004 and Article 6 of Royal Decree 1507/2008. Voluntary coverages also apply in these territories plus Andorra, Gibraltar, Liechtenstein, Monaco, San Marino, and Vatican City. No monetary value associated; coverage is coextensive with mandatory liability limits.

La cobertura de suscripción obligatoria, modalidad Primera A, regulada en el Artículo 34º de esta póliza, surtirá efecto en el Espacio Económico Europeo y los demás países firmantes del Convenio tipo Inter-Bureaux (Convenio Carta Verde)

[20] Passenger accident: Optional ↩

Optional coverage (Modalidad Quinta) for personal injury caused to vehicle occupants (excluding the driver) by a violent, sudden, external and involuntary cause while travelling in, boarding or alighting from the insured vehicle, or while performing roadside repairs. Coverage includes death, permanent disability (with detailed baremo scale), and medical assistance up to 1 year. Capital amounts are specified in the Particular Conditions. For occupants under 14 years of age, death benefit is limited to funeral expenses up to 600 EUR. Mandatory Passenger Insurance (Modalidad Sexta) applies to public transport vehicles with 9+ seats.

Por esta cobertura, el Asegurador garantiza los daños personales producidos por accidentes que se deriven de una causa violenta, súbita, externa y ajena a la voluntad del conductor, que puedan sufrir las personas transportadas en el automóvil

[21] Bodily injury liability: €70,000,000 ↩

Covers indemnities owed by the insured driver to third parties for bodily injury or death arising from a road traffic event, up to €70 million per claim as established by Spanish law (Real Decreto Legislativo 8/2004). In EEA countries the higher of the Spanish or local legal limit applies; in other Inter-Bureaux countries the local legal limit applies with the Green Card.

Queda cubierta tanto la Responsabilidad Civil Obligatoria hasta 70 millones de euros para daños personales y hasta 15 millones de euros para daños materiales, cantidades establecidas por la legislación española; así mismo, queda también incluida la Responsabilidad Civil Voluntaria cubriendo hasta 50 millones de euros por siniestro, para los casos en que las cantidades de la indemnización excedan de la Responsabilidad Civil Obligatoria.

[22] Property damage liability: €15,000,000 ↩

Covers indemnities owed by the insured driver to third parties for material property damage arising from a road traffic event, up to €15 million per claim as established by Spanish law. The same territorial rules as bodily injury apply. Voluntary civil liability extends coverage beyond these limits up to €50 million per claim for damages exceeding the mandatory threshold.

Queda cubierta tanto la Responsabilidad Civil Obligatoria hasta 70 millones de euros para daños personales y hasta 15 millones de euros para daños materiales, cantidades establecidas por la legislación española; así mismo, queda también incluida la Responsabilidad Civil Voluntaria cubriendo hasta 50 millones de euros por siniestro, para los casos en que las cantidades de la indemnización excedan de la Responsabilidad Civil Obligatoria.

[23] Legal defence: Covered ↩

Included in all modalities from Terceros Básico upwards. Covers criminal defence of the insured driver in traffic accident proceedings, constitution of bail bonds up to €3,000 per claim, and claims for damages against the responsible third party. Legal expenses for freely-chosen lawyers and solicitors are reimbursed up to €1,200 per claim; expert witness fees up to €300 per claim. Territorial scope for legal defence is Spain only.

[24] Green card: Conditional ↩

The Green Card (Carta Verde) is the international insurance certificate evidencing mandatory civil liability cover. It must be requested prior to travel and is required for circulation in countries adhering to the Inter-Bureaux Convention that are not part of the Multilateral Guarantee Convention. Within EEA and Multilateral Guarantee Convention countries, coverage is automatic without the Green Card. No monetary value is associated with this document itself.

[25] Passenger accident: Excluded ↩

No dedicated personal accident capital cover for passengers is included in or available under this product. Passengers who are third parties are protected by the mandatory and voluntary civil liability coverages. Roadside assistance covers occupants for transport purposes. No standalone passenger accident benefit (death or invalidity capital) is described in the IPID or General Conditions.

[26] Bodily injury liability: €70,000,000 ↩

Covers third-party bodily injury claims up to €70 million per claim, combining mandatory and voluntary civil liability as included in all Divina Seguros motor policies.

Cubre los daños causados a terceros, con una indemnización de hasta 70 millones de euros en daños personales y 15 millones en daños materiales.

[27] Property damage liability: €15,000,000 ↩

Covers third-party property damage claims up to €15 million per claim, combining mandatory and voluntary civil liability as included in all Divina Seguros motor policies.

Cubre los daños causados a terceros, con una indemnización de hasta 70 millones de euros en daños personales y 15 millones en daños materiales.

[28] Legal defence: Covered ↩

Included in the base Terceros policy. Covers legal defence in traffic disputes, fine appeals, assistance with driving licence points recovery and licence withdrawal protection. Specific monetary limit not published on official product pages.

El Seguro de Autos a Terceros de Divina Seguros incluye la gestión que necesites para infracciones de tráfico, como por ejemplo el recurso de multas, entre otros.

[29] Green card: Covered ↩

Divina Seguros issues a Green Card (Carta Verde) enabling policyholders to travel abroad with their policy coverages recognised in signatory countries. Available upon request across all terceros modalidades.

La carta verde consiste en un Certificado Internacional de Seguro, con el que puedes viajar al extranjero, disfrutando de coberturas asociadas a tu seguro de coche.

[30] Passenger accident: Excluded ↩

Divina Seguros' official Terceros product pages, including the policy comparison table, do not list a standalone passenger (occupant) accident benefit; injury claims from vehicle occupants are handled under the civil liability guarantee instead.

Responsabilidad civil obligatoria Responsabilidad civil voluntaria Protección jurídica: defensa y reclamación Gestión de recursos de multas Curso de recuperación de puntos Retirada del carné Rotura de lunas Incendio Fenómenos de la naturaleza Robo del vehículo Pérdida total

[31] Bodily injury liability: €70,000,000 ↩

Mandatory motor third party liability covering bodily injury to third parties up to €70 million per claim regardless of number of victims, as required by Spanish law.

[32] Property damage liability: €15,000,000 ↩

Mandatory motor third party liability covering material damage to third parties up to €15 million per claim, as required by Spanish law. Voluntary RC extends coverage up to €50 million per claim.

[33] Legal defence: Covered ↩

Covers legal defence expenses (criminal and civil), constitution of bail bonds, damage claims, and free choice of lawyer and solicitor within limits set in the general conditions. Available for judicial proceedings arising from a traffic accident involving the insured vehicle. Coverage limits set in Condiciones Particulares.

[34] Green card: Covered ↩

MTPL coverage automatically extends throughout the European Economic Area without the need for a separate green card. For travel to non-EEA countries requiring the CIS, the certificate can be requested from FIATC, though the insurer is not legally obligated to provide it.

[35] Passenger accident: €15,000 ↩

Optional personal accident coverage for vehicle occupants (passengers) providing up to €15,000 indemnification in case of death or permanent disability, and up to €3,000 in medical assistance expenses arising from a traffic accident. Covered under Modalidad QUINTA (Accidentes Personales).

[36] Bodily injury liability: €70,000,000 ↩

Covers bodily injury and death caused to third parties (excluding the insured driver) arising from the use and circulation of the insured vehicle, up to the legally established limit of 70 million EUR per accident regardless of the number of victims, in accordance with Real Decreto Legislativo 8/2004 and applicable European directives. Indemnities are calculated using the baremo established in the Annex to the Act. The insurer also assumes legal defence costs against civil liability claims, bail bond deposits and court costs.

[37] Property damage liability: €15,000,000 ↩

Covers property damage caused to third parties (excluding the policyholder, insured, owner, driver, their spouses and relatives up to the third degree of consanguinity or affinity) arising from the use and circulation of the insured vehicle, up to the legally established limit of 15 million EUR per accident regardless of the number of vehicles or assets affected. Additionally, Voluntary Third-Party Liability (Modalidad B) extends this coverage up to a maximum of 50 million EUR per accident for amounts exceeding the mandatory limit, and also covers liability for fire caused by a stationary insured vehicle (up to 600,000 EUR per accident) and liability for towing trailers/caravans weighing up to 750 kg with coincident registration plate.

[38] Legal defence: €3,000 ↩

Included as a core guarantee. Covers criminal defence in traffic-related criminal proceedings, including attorney and court fees. When the insured exercises the right to freely choose their own lawyer and solicitor, costs are capped at 3,000 EUR per claim. The insurer also advances bail bonds of up to 35,000 EUR per claim in criminal proceedings to secure the insured's provisional freedom. Damage claim coverage (Modalidad B) guarantees friendly or judicial claims against liable third parties for bodily and material damages suffered by the insured; it includes advance indemnity of up to 7,000 EUR for material damage where the counterparty insurer has confirmed payment in writing or a final court judgment exists, and third-party insolvency cover up to 12,000 EUR per claim for final unenforceable judgments. Administrative traffic fine defence is also included (Spain only) with unlimited written objections and appeals in the administrative channel.

[39] Green card: Covered ↩

Mandatory third-party liability coverage operates automatically throughout the EEA and states adhering to the Multilateral Guarantee Convention. For territories outside these (non-EEA Green Card countries), the Green Card international certificate is required and issued upon request. When a claim occurs in an EEA member state, Spanish mandatory limits apply if they are higher than the limits of the state where the accident occurred.

[40] Passenger accident: Optional ↩

Available as an optional add-on (Accidentes Corporales Conductor y Ocupantes). Covers all occupants transported free of charge in the insured vehicle. The same benefits and baremo apply as for the driver: death, total or partial permanent disability, and medical/surgical/pharmaceutical/hospitalisation expenses from traffic accidents. Death and disability capitals are as stated in the particular conditions. Cannot accumulate death and total permanent disability benefits for the same accident. Policies may limit this guarantee exclusively to accidents suffered by the driver.

[41] Bodily injury liability: €120,000,000 ↩

Mandatory civil liability cover for bodily injury or death caused to third parties in traffic accidents involving the insured vehicle. The limit of 120,000,000 EUR per accident covers all victims regardless of their number, in accordance with current Spanish legal minimums. Injuries or death of the insured vehicle's own driver are excluded under mandatory cover (but may be covered under Art. 7 personal accident). Indemnities calculated per the Annex of Royal Legislative Decree 8/2004.

[42] Property damage liability: €15,000,000 ↩

Mandatory civil liability cover for property damage caused to third parties. The limit is 15,000,000 EUR per accident per current Spanish legal minimums. Damages to the insured vehicle itself, goods it transports, or property of the policyholder/driver/owner and their relatives up to third degree are excluded. Voluntary supplement (Modalidad B) extends cover beyond mandatory limits up to the amount agreed in the particular conditions, and additionally covers: third-party fire liability from parked vehicle (60,000 EUR limit) and trailer/caravan liability (≤750 kg, same registration).

[43] Legal defence: €1,500 ↩

Covers costs of penal defence, court bonds and damage claims arising from traffic accidents (Art. 10). The insurer assumes the direction of criminal defence (lawyer and court agent designated by the insurer at no cost to the insured). Where the insured exercises free choice of lawyer/court agent, the insurer covers fees up to a maximum of 1,500 EUR per claim. Penal bail bonds up to 35,000 EUR per claim. Damage claims (amicable or judicial) against liable third parties covered up to 1,500 EUR (free-choice limit). Insolvency cover for material damage claims up to 12,000 EUR. Advance of damage indemnity (minimum 300 EUR, maximum 7,000 EUR). Excluded when vehicle driven by persons under 25 years or with less than 2 years' licence experience unless expressly designated in particular conditions.

[44] Green card: Conditional ↩

Coverage within the EEA and Multilateral Guarantee Convention states (including Morocco) is automatic under the policy. For territories outside those listed in Article 11(1), the Green Card (international certificate of insurance) must be issued. Coverage in those other territories is conditional on prior issuance of the Green Card by the insurer and is applied at the limits and conditions mandatory under the law of the state where the accident occurs.

Para los territorios no determinados en el apartado 1, será necesaria la emisión de la Carta Verde correspondiente.

[45] Passenger accident: Conditional ↩

Article 7 covers personal accidents for both the driver and occupants of the insured vehicle. However, the particular conditions may restrict this guarantee exclusively to the driver. The scope (driver-only or driver plus occupants) is determined by what is expressly contracted in the particular conditions. When extended to occupants, the same death/disability capital and medical expense limits apply as for the driver cover.

En el caso de que en las condiciones particulares se limite esta garantía a los accidentes que sufra exclusivamente el conductor, tendrá la condición de ASEGURADO el conductor que sufra un accidente de circulación conduciendo el vehículo asegurado, siempre que dicho vehículo sea conducido por persona que esté en posesión del reglamentario permiso de conducir.

[46] Bodily injury liability: €50,000,000 ↩

Mandatory civil liability covers bodily injury and material damage caused to third parties up to the legally established limits (Real Decreto Legislativo 8/2004). Voluntary civil liability extends the limit up to 50,000,000 EUR per claim as stated in the IPID for Helvetia Turismo Premium.

[47] Property damage liability: €50,000,000 ↩

Material damages caused to third parties by the insured vehicle arising from traffic events are covered up to the legally established limits under mandatory coverage, and up to 50,000,000 EUR per claim under voluntary coverage as per the IPID. Damages caused by towing are also covered unless the trailer requires its own policy. Excluded: damage to the insured vehicle itself, goods transported, property of the policyholder, insured, driver, owner, or their relatives up to the third degree.

[48] Legal defence: €1,000 ↩

Covers attorney (abogado) and court representative (procurador) fees in criminal and civil proceedings arising from traffic events, both for defence and damage claims. Guaranteed capital is 1,000 EUR per claim (free choice of professional). Also includes: traffic fine management (administrative proceedings only), driving course enrolment costs up to 500 EUR upon total loss of licence points, telephone legal assistance 09:00–19:00, and 24-hour detention assistance. Legal defence fees in abroad are covered up to 1,202.02 EUR via the roadside assistance guarantee. Judicial bail bonds are advanced up to 5,000 EUR (repayable within 2 months).

El capital garantizado es de 1.000 euros. Esta cantidad se entiende que es por siniestro.

[49] Green card: Covered ↩

Mandatory civil liability coverage extends to all countries included in the Green Card Convention as required by Spanish law. The IPID explicitly states that the territorial scope of the mandatory civil liability guarantee includes all Green Card Convention countries.

[50] Passenger accident: Covered ↩

Claims handling for injuries suffered by vehicle occupants, according to the contracted conditions. There is no personal accident indemnity for passengers; only the driver has accident cover.

Reclamación de lesiones de los ocupantes del vehículo: según condiciones contratadas.

[51] Bodily injury liability: €70,000,000 ↩

Covers bodily injury and death caused to third parties in circulation events involving the insured vehicle, up to the current statutory limits of €70,000,000 per claim, regardless of the number of victims. The driver of the insured vehicle is excluded. Regulated by the consolidated text of the LRCSCVM (RDL 8/2004 as amended by Ley 5/2025).

[52] Property damage liability: €15,000,000 ↩

Covers material damage caused to third-party property in circulation events involving the insured vehicle, up to the current statutory limit of €15,000,000 per claim. Covers only damage for which the driver is civilly liable under Articles 1902 et seq. of the Civil Code and the LRCSCVM. Damage to the insured vehicle, property of the policyholder, insured, owner, driver, or their relatives up to the third degree of consanguinity or affinity is excluded.

[53] Legal defence: Covered ↩

Covers criminal defence costs and bail for the authorised driver in traffic-related criminal proceedings, plus extrajudicial and judicial claims against liable third parties for damage to the insured vehicle and personal damages. When Línea Directa's own network is used, costs are covered without limit; when the insured appoints their own lawyer, reimbursement is capped at the limit set in the Particular Conditions, calculated on a percentage scale of the indemnification obtained (15% up to €3,000; 10% on €3,001–€6,000; 8% above €6,001, with minimum floors). Included in the 'Seguro a Terceros' package. Territorial scope: Spain and Green Card countries where parties are EEA-resident.

[54] Green card: Covered ↩

The Green Card (Carta Verde) is an international insurance certificate evidencing the mandatory civil liability cover (modality II.1.1). It is necessary for travel abroad except in EU countries, Iceland, Norway, and countries with agreement such as Croatia, Switzerland, Liechtenstein, Andorra, Great Britain, and Bosnia-Herzegovina. The territorial scope for RC and vehicle modalities covers all Carta Verde member countries.

[55] Passenger accident: Covered ↩

Covers all occupants of the insured vehicle (including the driver) for death and permanent disability resulting from a traffic accident, plus healthcare assistance (Art. 36). Indemnification amounts are set in the Particular Conditions. The same Ocupantes modality can be contracted either as 'Seguro del Conductor' (driver only) or 'Seguro de los Ocupantes' (all occupants). A single accident cannot simultaneously give rise to both death and permanent disability benefits; any permanent disability payments are deducted from the death capital.

[56] Bodily injury liability: Covered ↩

Covers the civil liability of the driver for bodily injury (injuries, incapacity or death) caused to third parties arising from the circulation of the insured vehicle, up to the limits established by Spanish law at any given time (Real Decreto Legislativo 8/2004). Amounts are set by statute and indexed periodically; the sum insured for the mandatory cover is whatever the legislation prescribes at the time of the loss. Damages to persons are calculated according to the criteria in the Motor Liability and Insurance Act.

La Aseguradora cubre,hasta la cuantía de los límites del aseguramiento obligatorio, la responsabilidad civil del con ductor por los daños causados a las personas con motivo de la circulación del vehículo identificado en las Condiciones Particulares de la póliza

[57] Property damage liability: Covered ↩

Covers property damage caused by the insured vehicle to third parties when the driver is found civilly liable under Articles 1902 et seq. of the Civil Code, Articles 109 et seq. of the Criminal Code and the Motor Liability and Insurance Act, up to the limits of the mandatory insurance in force. Optional supplementary liability extends coverage up to 50,000,000 EUR per accident.

Asimismo, se cubre hasta los límites del citado aseguramiento, los daños en los bienes, causados por el vehículo asegurado cuando el conductor resulte civilmente responsable según lo establecido en los artículos 1902 y siguientes del Código Civil, artículos 109 y siguientes del Código Penal y en la Ley sobre Responsabilidad Civil y Seguro en la Circulación de Vehículos a Motor.

[58] Legal defence: Covered ↩

Para las coberturas de Responsabilidad Civil Suplementaria, Responsabilidad Civil Ampliada, Defensa Jurídica y Seguro del Conductor –Accidentes Personales– y Subsidio para la Privación del Permiso de Conducir, es la cantidad establecida en las Condiciones Particulares de la póliza

[59] Green card: Conditional ↩

Extension of mandatory third-party liability cover to countries adhering to Section III of the General Regulations of the Council of National Bureaux (countries outside the EEA/Section II area, such as Morocco, Albania, Israel and others). Must be requested in advance from MAPFRE and involves payment of the applicable premium supplement. Without the Green Card, mandatory cover applies only within Section II countries (EU/EEA plus Andorra, Serbia, Switzerland, Great Britain and Bosnia-Herzegovina).

Para extender la cobertura a los Estados adheridos a la Sección III del Reglamento General del Consejo de Oficinas Nacionales de acuerdo con las leyes correspondientes al seguro obligatorio de cada país, es preciso solicitar previamente a la Aseguradora la expedición del certificado internacional de seguro, denominado “Carta Verde”, mediante el pago del precio que corresponda.

[60] Passenger accident: Excluded ↩

Bodily injuries or death of the driver of the insured vehicle are explicitly excluded from the mandatory third-party liability coverage. Passengers who are third parties (not the owner, driver, policyholder or their relatives up to the third degree) are covered under the mandatory third-party liability section for injuries caused by the insured vehicle. There is no separate, named 'passenger accident' benefit analogous to the driver accident cover. Passenger occupants may benefit from travel assistance (transport sanitario) under the Asistencia en Viaje section in the event of a road traffic accident.

Las lesiones o fallecimiento del conductor del vehículo asegurado.

[61] Bodily injury liability: €70,000,000 ↩

Mandatory third-party bodily injury liability coverage up to 70,000,000 EUR per claim regardless of the number of victims, as established by Spanish law (Art. 4.2 RDL 8/2004). The insurer cannot oppose deductibles or exclusions to injured third parties beyond those expressly permitted by law.

en los daños a las personas, 70 millones de euros por siniestro, cualquiera que sea el número de víctimas.

[62] Property damage liability: €15,000,000 ↩

Mandatory third-party property damage liability coverage up to 15,000,000 EUR per claim, as established by Spanish law (Art. 4.2 RDL 8/2004). MGS also includes voluntary RC as standard to extend limits beyond the mandatory minimum.

en los daños en los bienes, 15 millones de euros por siniestro.

[63] Legal defence: Covered ↩

Included as a standard guarantee in all MGS MultiAuto Selección modalidades. Covers legal defence against third-party claims where the insured is at fault, and legal action to recover damages where the insured is the injured party. Also includes telephone legal assistance and traffic fine management.

Además, dispone adicionalmente del servicio de tramitación de multas, protección jurídica, incluida la reclamación de daños, asistencia jurídica telefónica, y revocación del carnet de conducir.

[64] Green card: Covered ↩

The Green Card is available free of charge upon request for all MGS policyholders. It extends the mandatory RC coverage to all states signatory to the Multilateral Guarantee Convention, as well as Andorra and Gibraltar. Policyholders should verify country eligibility before travel, as adherent countries may vary.

puede solicitarnos de forma gratuita la Carta Verde que le proporcionará la ampliación de la Responsabilidad civil a todos los demás Estados Firmantes del Convenio Multilateral de Garantías*, así como Andorra y Gibraltar.

[65] Passenger accident: Optional ↩

Covered under the optional 'seguro del conductor y ocupantes' add-on in MGS MultiAuto Selección. Third-party passengers injured by the insured vehicle are covered under the mandatory RC; this add-on specifically covers the insured vehicle's own occupants beyond the mandatory coverage scope.

Además, MGS Seguros ofrece la opción de contratar las garantías de asistencia en viaje, seguro del conductor y ocupantes y un subsidio mensual en caso de retirada del permiso de conducir.

[66] Bodily injury liability: €70,000,000 ↩

Mandatory third-party liability coverage for personal injury and death caused to third parties in motor vehicle circulation. Limit of EUR 70,000,000 per claim regardless of the number of victims, as established by RDL 8/2004 and modified by Ley 5/2025. Included as a basic guarantee in both Terceros and Terceros Ampliado tiers.

Daños a las personas: 70 millones de euros por siniestro, cualquiera que sea el número de víctimas.

[67] Property damage liability: €15,000,000 ↩

Mandatory third-party liability coverage for material damages caused to third parties in motor vehicle circulation. Limit of EUR 15,000,000 per claim, as established by RDL 8/2004 and modified by Ley 5/2025. Included as a basic guarantee in both Terceros and Terceros Ampliado tiers. Voluntary RC extension (Responsabilidad Civil Voluntaria) is available as an optional add-on in both tiers to increase limits beyond the legal minimum.

Daños en los bienes: 15 millones de euros por siniestro.

[68] Legal defence: Optional ↩

Optional legal defence coverage for the insured in connection with claims arising from the circulation of the vehicle, available as an add-on guarantee under the Terceros policy.

Defensa jurídica.

[69] Green card: Covered ↩

The mandatory liability insurance provides coverage throughout the EEA and in all states adhering to the Green Card Agreement (inter-bureau agreement), with a single premium. Coverage includes any stay of the insured vehicle in the territory of another EEA member state during the policy term. Non-EU Green Card countries (e.g. Albania, Azerbaijan, Morocco, Tunisia, Turkey) may require presentation of the physical Green Card document. No separate monetary limit applies — this is an extension of the mandatory RC limits.

El seguro obligatorio garantiza la cobertura de la responsabilidad civil en vehículos terrestres automóviles con estacionamiento habitual en España, mediante el pago de una sola prima, en todo el territorio del Espacio Económico Europeo y de los Estados adheridos al Acuerdo entre las oficinas nacionales de seguros de los Estados miembros del Espacio Económico Europeo y de otros Estados asociados.

[70] Passenger accident: See details ↩

No standalone passenger accident coverage is offered in the Terceros or Terceros Ampliado product lines. Passengers injured as third parties in an accident caused by the insured vehicle are covered under mandatory bodily injury liability (RC Obligatoria). The individual accident coverage (Seguro del Conductor) is available only for the driver, not passengers.

[71] Bodily injury liability: €70,000,000 ↩

Covers bodily injury and death caused to third parties arising from a traffic accident in which the insured vehicle is involved, up to the statutory limit of 70,000,000 EUR per claim as required by Real Decreto Legislativo 8/2004.

Personales: hasta 70.000.000€.

[72] Property damage liability: €65,000,000 ↩

Mandatory coverage up to 15,000,000 EUR for property damage to third parties; supplemented by voluntary coverage of an additional 50,000,000 EUR in excess of the mandatory limit, giving a combined maximum of 65,000,000 EUR per claim.

Materiales: hasta 15.000.000€. • 50.000.000€ en exceso sobre los limites anteriores.

[73] Legal defence: Covered ↩

Covers legal defence of the insured in administrative, judicial or arbitral proceedings arising from a covered traffic accident. Mutua's own lawyers: unlimited. Insured's freely chosen lawyer: up to the limit set in the Particular Conditions (600 EUR per the IPID; 1,000 EUR per the pre-contractual note). Criminal bail bonds up to 6,000 EUR. Also covers the claim against the at-fault party for the insured's own damages; minimum claimable amount 300 EUR. Claims below 300 EUR are excluded.

La defensa del asegurado a cargo de Mutua Madrileña en procedimientos administrativos, judiciales o arbitrales, en caso de accidente de circulación garantizado por la póliza, hasta el límite fijado en Condiciones Particulares.

[74] Green card: Conditional ↩

The policy covers RC Obligatoria automatically in all EU/EEA states and Multilateral Guarantee Convention countries. For Inter-Bureaux Convention countries (outside the EU/EEA), the Green Card (Certificado Internacional de Seguro) must be requested from Mutua Madrileña before travel. In those countries only RC Obligatoria, Defensa Jurídica, Reclamación de Daños and Asistencia en Viaje are covered.

Estados adheridos al Convenio Inter-Bureaux, que figuran relacionados en www.mutua.es. Para atender la cobertura en estos será preciso solicitar antes el Certificado Internacional de Seguro (Carta Verde).

[75] Passenger accident: €12,021 – €27,046 ↩

Passenger accident coverage is provided under the same 'Accidentes Individuales de los Ocupantes' clause as driver accident coverage. The same capital limits apply (death: 12,021–18,031 EUR; permanent disability: 18,031–27,046 EUR; healthcare: 1,804–2,705 EUR). Specific insured persons and sums are defined in the Particular Conditions.

Las indemnizaciones a los ocupantes del coche por fallecimiento, invalidez y gastos de asistencia sanitaria por accidente de circulación, con los siguientes límites: Fallecimiento: desde 12.021 hasta 18.031 €.

[76] Green card: Conditional ↩

Mandatory civil liability coverage extends automatically throughout the EEA and states adhering to the Multilateral Guarantee Agreement. Extension to states requiring the International Insurance Certificate (Green Card) must be requested in advance from the insurer, which will issue a policy endorsement under conditions it establishes. Voluntary coverages apply only in Spain, Andorra, and Multilateral Guarantee Agreement states.

[77] Bodily injury liability: €70,000,000 ↩

Mandatory third-party bodily injury liability coverage up to 70 million euros per accident, regardless of the number of victims, as established by Real Decreto Legislativo 8/2004 (art. 4) and Ley 5/2025.

[78] Property damage liability: €15,000,000 ↩

Mandatory third-party property damage liability coverage up to 15 million euros per accident, as established by Real Decreto Legislativo 8/2004 (art. 4). Voluntary RC extends coverage beyond these minimums up to 50 million euros total.

[79] Legal defence: Covered ↩

Covers criminal defence (attorney and court representation fees, bail) and damage claims against at-fault third parties, including vehicle occupants. Free choice of attorney from the moment the claim is declared. The limit is set in the particular conditions. Traffic fine defence (up to 5 per year) is an optional sub-coverage within this guarantee.

[80] Green card: Covered ↩

The mandatory liability coverage extends via a single premium to all EEA member states and countries adhering to the multilateral Green Card agreement. In countries outside the EEA but within the Green Card system, mandatory RC limits of the relevant state apply, or Spanish limits if higher.

[81] Passenger accident: Optional ↩

Optional personal accident cover for occupants of the insured motorcycle involved in a traffic accident. Covers death, absolute permanent disability, partial disability per schedule (max 80% accumulation), and medical assistance for 365 days; capital limits set in particular conditions. Daily benefit excluded for persons under 16 or over 70 years.

[82] Bodily injury liability: €70,000,000 ↩

Mandatory civil liability covers bodily injury indemnities up to €70,000,000 per accident as set by law (Real Decreto Legislativo 8/2004). Voluntary civil liability is included in all policies and extends cover above the mandatory limit up to a combined total of €50,000,000 additional per claim, covering damages exceeding the mandatory threshold.

[83] Property damage liability: €15,000,000 ↩

Mandatory civil liability covers property damage indemnities up to €15,000,000 per accident as set by law. Voluntary civil liability extends cover above this mandatory limit up to a combined €50,000,000 additional per claim. Trailer/caravan liability is also covered when weight does not exceed 750 kg, registration matches the vehicle, and the trailer is attached at the time of the incident.

La responsabilidad civil por los daños causados a terceros a causa del uso de remolques y/o caravanas siempre y cuando: a. Su peso total no exceda los 750 Kg. b. Su matrícula coincida con la del vehículo asegurado. c. En el momento del siniestro el remolque esté enganchado al coche.

[84] Legal defence: Covered ↩

Covers legal defence costs (court fees, attorney and solicitor fees, notary costs, expert fees), bail bond constitution up to €24,000 per claim for provisional release in criminal proceedings, criminal defence for traffic accidents, advance of indemnities, administrative fine management and driving licence points reinstatement (up to €500 for licence recovery course, up to €100 for partial points recovery). Free choice of lawyer guaranteed. Specific monetary limit per claim is set in the particular conditions. Effective from 4 April 2026 all coverage is underwritten by AECS (previously ARAG S.E.).

el Asegurador, con el límite de 24,000 Euros por siniestro, constituirá la fianza que en la causa criminal se exija al Asegurado para: Obtener su libertad provisional.

[85] Green card: Covered ↩

The International Insurance Certificate (Green Card) is included and covers circulation in Spain, Andorra, EEA countries, and countries adhering to the Green Card system or the Multilateral Guarantee Convention. Its use is required for countries outside the EU, Andorra, Croatia, Iceland, Norway and Switzerland.

Carta Verde: Certificado Internacional de seguro de Responsabilidad Civil de vehículos terrestres automóviles. Su utilización es necesaria para circular por el extranjero, salvo en los países de la Unión Europea, Andorra, Croacia, Islandia, Noruega y Suiza.

[86] Passenger accident: Covered ↩

All occupants of the insured vehicle (excluding the driver, who is covered separately under the driver accident policy) are covered for bodily injuries caused by the insured vehicle under the mandatory civil liability section. This is a consequence of the MTPL framework and not a separate stand-alone passenger accident benefit with its own capital sum.

se cubren las indemnizaciones de las que el conductor o el propietario del vehículo asegurado deba responder por los daños causados a las personas o bienes de un tercero, derivados de hechos de la circulación de los que resulte civilmente responsable.

[87] Bodily injury liability: €70,000,000 ↩

Statutory mandatory civil liability covering personal injury and death caused to third parties by the insured vehicle in circulation. Limit of 70 million euros per accident, regardless of the number of victims, as established by Real Decreto Legislativo 8/2004 (Article 4).

daños a las personas: 70 millones de euros por siniestro, cualquiera que sea el número de víctimas.

[88] Property damage liability: €15,000,000 ↩

Statutory mandatory civil liability covering property damage caused to third parties by the insured vehicle in circulation. Limit of 15 million euros per accident, as established by Real Decreto Legislativo 8/2004 (Article 4).

daños en los bienes: 15 millones de euros por siniestro.

[89] Legal defence: €1,500 ↩

Covers legal defence by lawyers and court representatives designated by REALE in criminal proceedings arising from traffic accidents. The insured may freely designate their own lawyers; in that case the covered capital is up to 1,500 EUR per claim for legal fees (free choice of lawyer). When REALE appoints the professionals, coverage is unlimited. Damage claim coverage (reclamación de daños) is also included up to 1,500 EUR for free choice. Applies to 1ª categoría; 3ª categoría has the same structure but specific limits may vary per particular conditions.

Defensa jurídica: capital libre elección de abogado (hasta 1.500€)

[90] Green card: Covered ↩

The mandatory civil liability insurance covers the entire EEA and states adhering to the multilateral guarantee convention and inter-bureaux agreement through a single premium payment. A Green Card (international insurance certificate) is issued and recognised across all participating countries, enabling cross-border circulation without additional premiums.

El seguro obligatorio garantiza la cobertura de la Responsabilidad Civil en vehículos terrestres automóviles con estacionamiento habitual en España, mediante el pago de una sola prima, en todo el territorio del Espacio Económico Europeo y de los Estados adheridos al Acuerdo entre las ocinas nacionales de seguros de los Estados miembros del Espacio Económico Europeo y de otros Estados asociados.

[91] Passenger accident: €7,500 ↩

Optional coverage paying up to 7,500 EUR in the event of death of vehicle occupants (other than the driver) resulting from an accident. Available in 1ª and 3ª categorías. For 3ª categoría it is grouped under Terceros Ampliado modality together with the driver accident guarantee. Excludes occupants travelling as a result of theft or when the number of occupants exceeds the legally authorised maximum.

Decesos de los ocupantes (hasta 7.500€)

[92] Bodily injury liability: €50,000,000 ↩

Civil liability for bodily injury caused to third parties in traffic accidents, up to 50 million euros per claim. Covers legally required indemnifications as driver or owner of the insured vehicle. Not applicable when damages are solely attributable to the injured party's conduct or to force majeure unrelated to the vehicle.

Responsabilidad Civil limitada a 50 millones de euros por siniestro.

[93] Property damage liability: €50,000,000 ↩

Civil liability for damage to third-party property caused by fault or negligence of the insured driver or owner, up to 50 million euros per claim. Also includes liability for damage caused by luggage falling from the vehicle onto the public road.

Responsabilidad Civil limitada a 50 millones de euros por siniestro.

[94] Legal defence: €3,000 ↩

Included in the basic policy. Covers: (1) criminal defence costs including attorney and procurator fees and court bonds for cases of negligence, up to 3,000 EUR; (2) civil damage claims against third parties (friendly, arbitral or judicial), including appraisal costs; (3) pedestrian damage claims; (4) traffic fine defence (up to 5 per year); (5) automobile advisory service. Specific monetary sub-limits are set in the particular conditions.

Defensa penal, de hasta 3.000 euros.

[95] Green card: Covered ↩

The policy extends to countries adhering to the Green Card system as listed in the International Insurance Certificate. Civil liability coverage applies in these countries at minimum at the level of mandatory insurance limits of the respective state, with Spanish limits applying if higher.

[96] Bodily injury liability: €70,000,000 ↩

Covers bodily harm and death caused to third parties in traffic accidents for which the insured driver is liable, up to the legal minimum of 70 million EUR per accident, regardless of the number of victims. The policy defers to the applicable Spanish Motor Vehicle Civil Liability Act in force at any given time.

[97] Property damage liability: €15,000,000 ↩

Covers material damage caused to third-party property in traffic accidents for which the insured driver is liable, up to the legal minimum of 15 million EUR per accident, regardless of the number of vehicles or assets affected. The policy defers to the applicable Spanish Motor Vehicle Civil Liability Act in force at any given time.

[98] Legal defence: Covered ↩

Covers expenses incurred by the insured in administrative, judicial or arbitration proceedings arising from the insured coverages, and provides judicial and extrajudicial legal assistance. Includes criminal defence costs and recovery claims against third parties. Also covers up to 3,000 EUR for claims against the Consorcio de Compensación de Seguros. Free choice of lawyer is guaranteed. Specific monetary limit for lawyer fees is set in the Condiciones Particulares.

[99] Green card: Covered ↩

The International Motor Insurance Certificate (Green Card) accredits the compulsory third-party liability cover when travelling abroad. Coverage extends to Spain, Andorra, EEA member states and all countries adhering to the Green Card system. When travelling outside the EU, the policyholder must carry the physical Green Card document; it can be requested by phone or at any SegurCaixa Adeslas office.

[100] Passenger accident: See details ↩

A specific separate passenger accident capital is not evidenced in the verified official sources for the standard Auto Selección MTPL product. The driver accident coverage is specifically restricted to the insured vehicle's driver. Occupant coverage ('Accidentes del Conductor u Ocupantes') may be available as an optional add-on in some modalities but was not confirmed as included in the base MTPL tier from the verified IPID and CCGG documents.

[101] Bodily injury liability: €70,000,000 ↩

Mandatory third-party liability coverage for bodily injury caused to persons in motor vehicle accidents, up to 70,000,000 EUR per accident regardless of the number of victims, as established by Real Decreto Legislativo 8/2004.

Daños a las personas hasta 70.000.000 € por accidente.

[102] Property damage liability: €15,000,000 ↩

Mandatory third-party liability coverage for property damage caused in motor vehicle accidents, up to 15,000,000 EUR per accident, as established by Real Decreto Legislativo 8/2004. Excludes damage to the insured vehicle itself and property owned by the policyholder, insured, owner, driver, or their close relatives up to the third degree.

Daños en los bienes hasta 15.000.000 € por accidente.

[103] Legal defence: €600 ↩

Covers legal defence costs up to 600 EUR per accident. Includes criminal defence of the authorised and legally licensed driver; claims for damages to the insured vehicle against liable third parties (including non-accident-related damage); claims for damages suffered by the authorised driver and other vehicle occupants; and claims by the policyholder when involved as a pedestrian in any traffic accident. The insured has the right to choose their own lawyer.

Defensa jurídica hasta 600 € por accidente o Defensa penal del conductor autorizado y legalmente habilitado. o Reclamación de daños y perjuicios ocasionados al vehículo asegurado, incluso no derivados de accidente de circulación, frente a los terceros responsables.

[104] Green card: Covered ↩

Coverage extends automatically to Spain, the EEA, and states under Section III of the National Bureaux General Regulation (including Andorra, Bosnia-Herzegovina, Montenegro, Serbia, Switzerland, and the United Kingdom). For states under Section II of the National Bureaux General Regulation, an International Insurance Certificate (CIS, formerly Green Card) must be requested in advance from Verti. When a claim occurs in an EEA member state other than Spain, Spanish coverage limits apply if they are higher than those of the state where the accident occurred.

Para extender la cobertura a los Estados sometidos a las reglas de la Sección II del Reglamento General del Consejo de Oficinas Nacionales**, de acuerdo con las leyes correspondientes al seguro obligatorio de cada país, será preciso solicitar previamente la expedición del Certificado Internacional de Seguro “CIS” (antes Carta Verde).

[105] Passenger accident: See details ↩

There is no separate passenger personal accident insurance in this product. Passengers injured in an accident caused by the insured driver may receive compensation as third-party claimants under the mandatory bodily injury liability coverage. The Seguro del Conductor (driver accident insurance) covers only the authorised driver.

[106] Bodily injury liability: Covered ↩

Mandatory RC (RC Obligatoria) covers third-party bodily injury up to the legally mandated limits (70,000,000 EUR per the statutory Spanish minimums). Voluntary RC (RC Voluntaria) extends cover beyond the mandatory minimum up to the limit indicated in the Condiciones Particulares.

[107] Property damage liability: Covered ↩

Mandatory RC covers third-party property damage up to the legally mandated minimum (15,000,000 EUR per Spanish statutory limits under RDL 8/2004 as amended). The CG states the company guarantees up to the legally applicable limits for the mandatory cover. Voluntary RC additionally covers damage exceeding the mandatory minimum up to the limit specified in the Condiciones Particulares. Damage to the insured vehicle itself or property owned by the insured and close relatives is excluded.

[108] Legal defence: €1,500 – €6,000 ↩

Included in all tiers of Zurich Motor GO!. The insurer assigns and pays for its own appointed lawyers without a monetary cap ('sin límite de capital'). If the insured opts for their own choice of lawyer in criminal proceedings, the insurer covers up to 1,500 EUR (Modalidad Esencial) or 6,000 EUR (Modalidad Ampliada, contracted in Condiciones Particulares). Coverage includes legal defence in any judicial, administrative or extrajudicial procedure arising from a traffic accident, bail deposit for criminal proceedings, claims management against third parties, and traffic infringement management. Legal protection in proceedings is limited to Spain only. Fines and sanctions are excluded.

[109] Green card: Covered ↩

The Green Card (Certificado Internacional de Seguro) is provided by Zurich to the policyholder. Coverage extends to countries of the European Economic Area, states party to the Multilateral Guarantee Agreement and states party to the Interbureaux Convention. The specific list of covered countries is stated in the International Insurance Certificate provided at contracting.

[110] Passenger accident: Excluded ↩

The Zurich Motor GO! product does not include a separate passenger accident cover as a distinct coverage line. The driver accident guarantee (sección 2) covers only the authorised and legally qualified driver. Third-party bodily injury liability (RC) covers passengers harmed by the insured's fault. No specific capital-based accident indemnity for passengers (other than the driver) is listed in the Condiciones Generales.