Agrupación AMCI de Seguros y Reaseguros, S.A.
Agrupació
Agrupació is a motor third-party liability insurance for the Spain market with online purchase and limited assistance availability.
Direct payment
El seguro de coche de Agrupació Mútua cuenta con talleres propios de AXA (tras la integración del grupo), con servicio de recogida y entrega del vehículo incluido, lo que sugiere gestión directa de reparaciones sin necesidad de pago anticipado por parte del asegurado.
Geographic scope
Spain (nationwide)
As Spanish compulsory MTPL, coverage extends with a single premium to the entire European Economic Area and to states adhering to the Inter-Bureaux Agreement, including any stay of the vehicle in another EEA state during the policy term. Clauses restricting compulsory RC to Spanish territory only are unlawful under Spanish law. Roadside assistance is available even when travelling without the vehicle.
Unique selling points
- Agrupació claims the broadest civil liability coverage on the Spanish insurance market, going beyond the statutory minimum for RC.
- Comprehensive legal protection extended to the policyholder's entire family, including fine management, advance payment of indemnities, and cover for third-party insolvency.
- Roadside and travel assistance covers the policyholder even when travelling without the insured vehicle, with vehicle recovery to the workshop of their choice near their home.
- Total-loss valuation at new replacement value for the first two years, then a 30%-improved market value (valor venal), delivering above-average market compensation in the event of a write-off.
- No-claims bonus of over 50% available, backed by optional unemployment insurance protection.
Coverage limits
Bodily Injury Liability (Compulsory MTPL)
€70,000,000
Covers personal injury damages caused to third parties up to the statutory Spanish MTPL limit of €70 million per accident, regardless of the number of victims, as set by Real Decreto Legislativo 8/2004 and confirmed unchanged after the July 2025 reform (Ley 5/2025). This statutory limit applies across all modalities (Terceros, Terceros Completo, Todo Riesgo) of the Agrupació product line.
Section: 2. Notas definitorias del seguro obligatorio de responsabilidad civil de vehículos a motor > 2.4. Ámbito territorial y límites cuantitativos del seguro obligatorio
en los daños a las personas, 70 millones de euros por siniestro, cualquiera que sea el número de víctimas.
Property Damage Liability (Compulsory MTPL)
€15,000,000
Covers material damages caused to third-party vehicles and property up to the statutory Spanish MTPL limit of €15 million per accident, as established by Real Decreto Legislativo 8/2004 and confirmed unchanged after the July 2025 reform (Ley 5/2025), applying across all modalities of the product line.
Section: 2. Notas definitorias del seguro obligatorio de responsabilidad civil de vehículos a motor > 2.4. Ámbito territorial y límites cuantitativos del seguro obligatorio
en los daños en los bienes, 15 millones de euros por siniestro.
Legal Defence and Claims Management
Covered
No limit stated
Comprehensive legal protection covering defence and claims management, legal and financial assistance in the event of driving licence loss, traffic fine management, advance payment of indemnities, coverage for third-party insolvency, and other legal protections — extended also to the policyholder's family. No specific monetary limit disclosed on the official product page.
Incluye defensa y reclamación, ayuda legal y económica en caso de pérdida del carnet, gestión de multas, anticipo de indemnizaciones, cobertura por insolvencia de terceros
International Insurance Certificate (Green Card)
Covered
No limit stated
As a Spanish compulsory MTPL policy, coverage is legally guaranteed with a single premium throughout the EEA and Inter-Bureaux Agreement states. The Green Card itself is not separately named on the official Agrupació product page; this coverage follows from the statutory regime described in the Spanish MTPL law rather than being detailed as a distinct guarantee.
Section: 2. Notas definitorias del seguro obligatorio de responsabilidad civil de vehículos a motor > 2.4. Ámbito territorial y límites cuantitativos del seguro obligatorio
El seguro obligatorio previsto en esta Ley garantizará la cobertura de la responsabilidad civil...en todo el territorio del Espacio Económico Europeo y de los Estados adheridos al Acuerdo
Roadside Assistance and Travel Assistance
Covered
No limit stated
Travel assistance is included, covering the policyholder even when travelling without the vehicle. Option to recover and transfer the vehicle to a workshop of the policyholder's choice, near their home address. No kilometre limit or specific monetary cap disclosed on the official page.
Asistencia en viaje, incluso cuando viaje sin el vehículo, y posibilidad de recuperación y traslado del vehículo al taller de su elección, cercano a su domicilio.
Driver Accident Coverage
No limit stated
Spanish compulsory MTPL explicitly excludes injury or death of the driver of the at-fault vehicle. Driver accident cover would be a separate voluntary guarantee ('Seguro del Conductor'); it is not detailed or confirmed as part of this compulsory RC product on the official Agrupació product page.
Section: 2. Notas definitorias del seguro obligatorio de responsabilidad civil de vehículos a motor > 2.5. Ámbito material y exclusiones
La cobertura del seguro de suscripción obligatoria no alcanzará a los daños y perjuicios ocasionados por las lesiones o fallecimiento del conductor del vehículo causante del accidente.
Passenger Accident Coverage
Covered
No limit stated
Compulsory MTPL excludes only the at-fault driver and the insured's own property; occupants of the insured vehicle cannot be excluded from cover even on grounds such as knowing the driver was under the influence of alcohol or drugs. A specific passenger accident guarantee with its own monetary limit beyond statutory RC is not detailed on the official product page.
Section: 2. Notas definitorias del seguro obligatorio de responsabilidad civil de vehículos a motor > 2.6. Inoponibilidad de la entidad aseguradora
Tampoco podrá oponer aquellas cláusulas contractuales que excluyan de la cobertura del seguro al ocupante sobre la base de que éste supiera o debiera haber sabido que el conductor del vehículo se encontraba bajo los efectos del alcohol
Key conditions
Territorial scope
Spanish compulsory RC is guaranteed with a single premium across the entire European Economic Area and Inter-Bureaux Agreement states, including any stay of the vehicle in another EEA state during the contract term. Roadside assistance is available even when the policyholder travels without the vehicle. The product is offered in modalities ranging from Terceros (basic/compulsory) through Terceros Completo to Todo Riesgo (comprehensive).
SourceRegulator publicationClause 2.4Page 5Section: 2. Notas definitorias del seguro obligatorio de responsabilidad civil de vehículos a motor > 2.4. Ámbito territorial y límites cuantitativos del seguro obligatorio
El seguro obligatorio previsto en esta Ley garantizará 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
Green card rules
The policy's compulsory civil liability cover already extends legally, via a single premium, to the whole EEA and Inter-Bureaux Agreement states; the underlying Spanish law does not separately detail Green Card issuance procedure. Specific issuance steps are not disclosed on the official Agrupació product page; policyholders should contact Agrupació before travelling outside this legally-covered area.
SourceRegulator publicationClause 2.4Page 5Section: 2. Notas definitorias del seguro obligatorio de responsabilidad civil de vehículos a motor > 2.4. Ámbito territorial y límites cuantitativos del seguro obligatorio
El seguro obligatorio previsto en esta Ley garantizará la cobertura de la responsabilidad civil...mediante el pago de una sola prima, en todo el territorio del Espacio Económico Europeo y de los Estados adheridos al Acuerdo
Driver restrictions
No specific driver restrictions (e.g. minimum age, driving licence seniority) are disclosed on the official Agrupació product page for this product line.
SourceSource no longer reachableClaim notification deadline
No specific claim notification deadline is stated on the official Agrupació product page for this product.
SourceSource no longer reachableBonus-malus rules
Agrupació advertises that policyholders can achieve a no-claims discount of over 50%. The internal bonus-malus scale and any malus penalty structure are not further detailed on the official product page.
SourceSource no longer reachablePuede conseguir más de un 50% de bonificación por no siniestralidad.
Where to buy
Policy specifics
Trailer and Caravan Coverage
Optional extension to cover trailers and caravans with total mass exceeding 750 kg, available across all product tiers.
SourceSource no longer reachableVehicle Awaiting Sale Coverage
When acquiring a new vehicle, the previous vehicle remains insured with identical coverages for up to 30 days while awaiting sale, available in all product modalities.
SourceSource no longer reachableUnemployment Protection Add-on
Optional unemployment protection insurance can be added to the motor policy, providing coverage if the policyholder becomes unemployed.
SourceSource no longer reachableY además...protección de Seguros por Desempleo.
Animal Strike Coverage
Coverage for damage caused by striking animals is available from the Third Party Complete coverage level onwards.
SourceSource no longer reachableTemporary Vehicle Replacement
If the insured vehicle is immobilized due to accident, breakdown, repair or maintenance, Agrupació will transfer the policy to a similar replacement vehicle for loan at no cost for up to one month.
SourceSource no longer reachableGlass Breakage Coverage
Comprehensive glass breakage coverage including windshields, side windows, and optical elements (headlights and turn indicators) of the vehicle.
SourceSource no longer reachableLuggage and Personal Objects Coverage
Coverage for personal luggage and objects carried in the vehicle.
SourceSource no longer reachableNew Replacement Value for Total Loss
In the event of a total loss, the vehicle is valued at its full new retail price (valor a nuevo) for a defined initial period, and thereafter at market value (valor venal) improved by 30%, providing above-market valuation.
SourceSource no longer reachableSe entenderá por valor venal el valor de venta del vehículo asegurado inmediatamente antes de la ocurrencia de un siniestro.
No-Claims Bonus
Policyholders can achieve over 50% discount for sustained claims-free driving history, as advertised on the official product page.
SourceSource no longer reachablePuede conseguir más de un 50% de bonificación por no siniestralidad.
Sources
- https://dgsfp.mineco.gob.es/es/Regulacion/DocumentosRegulacion/GU%C3%8DA%20TECNICA_1%202019_SEGURO%20DE%20RESPONSABILIDAD%20CIVIL%20DE%20VEH%C3%8DCULOS%20A%20MOTOR%20%2009%2001%202019.pdf#page=5
- https://dgsfp.mineco.gob.es/es/Regulacion/DocumentosRegulacion/GU%C3%8DA%20TECNICA_1%202019_SEGURO%20DE%20RESPONSABILIDAD%20CIVIL%20DE%20VEH%C3%8DCULOS%20A%20MOTOR%20%2009%2001%202019.pdf#page=6
- https://www.agrupacio.es/seguros-coche/turismos-furgonetasSource no longer reachable