MGS Seguros Motor third-party liability (Multiauto Seleccion Terceros)
Underwritten by MGS, Seguros y Reaseguros S.A. · Spain
motor third-party liability insurance from MGS Seguros for the Spain market, with 24/7 assistance.
Last verified Jul 17, 2026Sources
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.
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
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
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.
Section: Turismos > Preguntas frecuentes
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.
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.
Section: Turismos > Preguntas frecuentes
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.
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.
Section: Turismos > Preguntas frecuentes
En caso de tener contratada la garantías de asistencia en carretera, MGS Seguros le garantiza el transporte de los pasajeros hasta el lugar de destino, siempre y cuando el coste de éste no supere el del transporte al punto de partida.
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.
Section: Turismos > Preguntas frecuentes
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.
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.
Section: Turismos > Preguntas frecuentes
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.
Key conditions
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.
Territorial scope
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.
Documents
Policy specifics
Mandatory liability coverage
Legal requirement for MTPL in Spain covering damage caused to third parties
SourceSection: Turismos > Preguntas frecuentes
TERCEROS : Esta modalidad le cubre los daños que pueda provocar a terceros (Responsabilidad civil).
Voluntary liability coverage
Included as standard alongside the mandatory coverage, extending protection for third-party claims above the statutory minimum limits.
SourceSection: Turismos > Garantías
Responsabilidad civil voluntaria
Legal protection coverage
Coverage for legal defense and claims recovery related to motor insurance incidents
SourceSection: Turismos > Garantías
Protección jurídica, incluida la reclamación de daños
Territorial coverage restrictions
Liability coverage extends to European Economic Area; extended coverage available for signatory states of the Multilateral Guarantee Convention
SourceSection: Turismos > Preguntas frecuentes
el seguro de Responsabilidad civil cubre los daños que pueda ocasionar circulando por el territorio del Espacio Económico Europeo, y además, 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*
Deductible application
Insurers cannot oppose the existence of deductibles against injured third parties under Spanish law for MTPL coverage
SourceRegulator publicationClause Art. 6Page 6Section: 2.6. Inoponibilidad de la entidad aseguradora.
El asegurador no podrá oponer frente al perjudicado la existencia de franquicias.
Sources
- dgsfp.mineco.gob.eshttps://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(opens in a new tab)
- dgsfp.mineco.gob.eshttps://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(opens in a new tab)
- mgs.eshttps://www.mgs.es/wps/turismos/garantias(opens in a new tab)
- mgs.eshttps://www.mgs.es/wps/turismos/introduccion(opens in a new tab)
- mgs.eshttps://www.mgs.es/wps/turismos/preguntas-frecuentes(opens in a new tab)
MGS Seguros Motor third-party liability