MAPFRE Motor third-party liability (Mtpl Terceros Basico)

Supplementary third-party liability cover, included in Terceros Básico, pays above the statutory limits up to the amount set in the Particular Conditions.

Roadside assistance is provided from kilometre zero (from the insured's own home address), covering all of Europe and Mediterranean-rim countries, with MAPFRE's own tow trucks.

Driver accident insurance includes complementary benefits of up to EUR 15,000 for home adaptation and EUR 2,000 for vehicle adaptation when permanent disability reaches 60% or more on the policy scale.

MAPFRE offers a network of over 2,000 distinguished workshops (Talleres Distinguidos) providing exclusive free services to insured clients, including free vehicle inspection, ITV assistance and post-repair cleaning.

Driver restrictions

The driver must have the valid licence or permit legally required for the insured vehicle at the time of the loss. Any authorised driver with sufficient legal authorisation qualifies as a covered driver. The habitual driver and occasional driver(s) must be declared in the application or in the Particular Conditions, as their characteristics (age, licence seniority, claims history) are rating factors. Driving under the influence of alcohol (above the legal blood/breath limit) or drugs excludes coverage under voluntary sections, though the insurer cannot invoke this exclusion against injured third parties in the mandatory section and retains a right of recourse against the insured. Driving without a valid licence excludes voluntary coverage; for the mandatory section the insurer pays the third party but retains a right of recourse. Intentional acts by the insured are excluded from all voluntary covers (unless driven by a state of necessity).

Claim notification deadline

The policyholder or insured must notify MAPFRE of any loss within a maximum of 7 days from the date they became aware of it, unless a longer period is specified in the Particular Conditions. Notification must be in writing (letter, email, SMS or fax). Failure to notify within this deadline entitles the insurer to claim damages caused by the lack of notification, unless it can be proved that the insurer had knowledge of the loss through other means. The insured must also provide all information about the circumstances and consequences of the loss; failure to do so in bad faith or gross negligence may result in loss of the right to indemnity. The insurer must initiate loss assessment within 3 days of receiving the declaration, and must pay at least the minimum undisputed amount within 40 days of receiving the loss declaration.

Bonus-malus rules

MAPFRE applies a personal claims history system: on tacit renewal, the successive premium is calculated by applying MAPFRE's actuarially-based tariff scales in force at that time, taking into account any coverage modifications, risk aggravation or reduction, and the insured's personal claims history recorded in preceding policy periods. If the premium for the new period is higher than the previous one, MAPFRE must notify the policyholder at least two months before contract expiry. There is no explicit 'bonus-malus' table published in the General Conditions; the adjustment is embedded in the renewal tariff calculation. MAPFRE also offers the CaReward telematics programme which rewards safe drivers with discounts.

Territorial scope

Obligatory cover: EU/EEA member states plus Andorra, Serbia, Switzerland, Great Britain, Bosnia-Herzegovina. Voluntary cover extends to same territory plus Gibraltar. Green Card required for Section III countries. Travel assistance covers all European countries and Mediterranean-rim non-European countries.