MGS Seguros
MGS Seguros is a motor third-party liability insurance for the ES market with no online purchase and 24/7 assistance.
Direct payment
MGS does not publish a general direct payment policy for MTPL; claims are handled through the insurer's assistance network and mediator offices. The insurer cannot oppose deductibles against injured third parties.
Geographic scope
Spain (nationwide)
Mandatory RC coverage extends to the entire European Economic Area and states signatory to the Multilateral Guarantee Convention. Green Card available free of charge for extension to additional signatory states, Andorra and Gibraltar.
Unique selling points
- Voluntary RC included as standard alongside mandatory coverage, ensuring third-party compensation above statutory minimum limits without requiring a separate add-on.
- Legal defence and claims recovery (protección jurídica) included at no extra cost in all modalidades, covering both defence against third-party claims and active damage recovery proceedings.
- Green Card (Carta Verde) available free of charge upon request, extending RC coverage to multilateral convention states, Andorra and Gibraltar beyond the EEA.
- Auto Guardián accident detection device included free for all motor policyholders, automatically contacting roadside assistance and transmitting GPS location in the event of an accident.
- Good-driver bonus of up to 60% premium discount based on claims history verified via the SINCO file, rewarding accident-free driving with competitive pricing.
Coverage limits
Bodily injury liability (mandatory)
Covered
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.
Property damage liability (mandatory)
Covered
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.
Legal defence and claims recovery
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.
Green Card (Carta Verde)
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.
Roadside assistance (Asistencia en viaje)
Optional
Available as an optional add-on to all MGS MultiAuto Selección modalidades. MGS offers different levels: standard 'Asistencia en viaje' and the premium 'Asitur Class' with a replacement vehicle. If contracted, MGS guarantees transport of passengers to their destination provided the cost does not exceed return transport to the departure point. The 24/7 roadside assistance number is 917 572 404.
Driver accident insurance
Optional
Available as an optional add-on ('seguro del conductor y ocupantes') in MGS MultiAuto Selección. It is not included in the base mandatory MTPL coverage, as the mandatory policy explicitly excludes injuries to the driver of the at-fault vehicle (Art. 5.1 RDL 8/2004). Policyholders must contract this guarantee separately.
Passenger accident insurance
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.
Key conditions
territorial_scope
Mandatory RC coverage is valid throughout the entire European Economic Area with a single premium. The Green Card (Carta Verde) extends coverage free of charge to all states signatory to the Multilateral Guarantee Convention, as well as Andorra and Gibraltar. Coverage cannot lawfully be restricted to only Spain or part of the EEA.
green_card_rules
The Green Card can be requested free of charge from MGS and extends RC coverage beyond the EEA to states party to the Multilateral Guarantee Convention and to Andorra and Gibraltar. Policyholders must verify which countries are currently adherent before travelling, as the list of signatory states may change.
driver_restrictions
Under Spanish law (Art. 6 RDL 8/2004), the insurer cannot oppose to injured third parties any clause excluding coverage for drivers without a licence, drivers who breach technical safety obligations, or unauthorised users of the vehicle outside theft scenarios. The insurer also cannot oppose clauses excluding passengers who knew the driver was under the influence of alcohol or drugs.
claim_notification_deadline
No specific claim notification deadline was found in the available MGS product sources. Under general Spanish insurance law (Ley 50/1980), the policyholder must notify the insurer of a claim as soon as reasonably possible. MGS publishes a 24/7 assistance line (917 572 404) and the policyholder cannot be penalised for not using an accident report form (declaración amistosa).
bonus_malus_rules
MGS applies a bonus-malus system based on the policyholder's claims history, verified via the SINCO (Tirea) file. Good drivers receive special discounts, with a maximum reduction of up to 60% based on claims history. Premiums may increase following at-fault claims.
Where to buy
Policy specifics
Mandatory liability coverage
Legal requirement for MTPL in Spain covering damage caused to third parties
Voluntary liability coverage
Optional enhancement to mandatory coverage providing broader protection limits for third-party claims
Legal protection coverage
Coverage for legal defense and claims recovery related to motor insurance incidents
Territorial coverage restrictions
Liability coverage extends to European Economic Area; extended coverage available for signatory states of the Multilateral Guarantee Convention
Deductible application
Insurers cannot oppose the existence of deductibles against injured third parties under Spanish law for MTPL coverage
Non-standard accessories must be declared
Optional vehicle accessories installed after manufacture must be disclosed to insurer for coverage under liability and damage policies