MMT Seguros
MMT Seguros is a motor third-party liability insurance for the ES market with online purchase and 24/7 assistance.
Direct payment
Repairs for vehicle damage are carried out at the insurer's designated workshops ('Mi Taller Preferente' clause), or the insurer may indemnify based on the valuation from those workshops. The insured may not freely choose a repair workshop for covered damages unless agreed otherwise in the Particular Conditions.
Geographic scope
Spain (national)
Mandatory coverage: entire EEA and Green Card agreement states. Voluntary coverages: Spain, Andorra and EU member states. Travel assistance: Europe and Mediterranean-bordering countries; for personal risks, worldwide. Driver accident coverage: worldwide except unexplored regions. Traffic fines defence: Spain only.
Unique selling points
- As a non-profit mutual (Mutua) founded in 1932, all surplus is reinvested to deliver better coverage and lower prices to policyholders rather than shareholder profit.
- Terceros Ampliado includes windscreen repair/replacement, fire, and theft as standard basic guarantees — coverages that many competitors only offer as paid add-ons.
- Existing no-claims bonuses from prior insurers are respected and carried over, ensuring customers do not lose accumulated discounts when switching to MMT.
- Travel assistance (when contracted) covers the insured's spouse and dependent family members even when they travel separately in a different vehicle — a feature beyond the standard market offering.
- Person-to-person customer service is provided through a proprietary call centre and physical branch network, with expert claims handlers, surveyors and lawyers — no automated phone trees.
Coverage limits
Bodily Injury Liability (Mandatory)
Covered
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.
Property Damage Liability (Mandatory)
Covered
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.
Legal defence
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Green Card / International Motor Insurance Certificate
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.
Roadside assistance
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Driver accident
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Passenger Accident Coverage
Not offered
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.
Key conditions
territorial_scope
Mandatory RC coverage: entire EEA and Green Card agreement states with a single premium, including any stay in another EEA member state. Voluntary coverages: Spain, Andorra and EU member states. Travel assistance: Europe and Mediterranean-bordering countries; for personal risks, worldwide. Driver accident: worldwide except unexplored regions. Traffic fines defence: Spain only.
green_card_rules
The mandatory RC insurance automatically covers the vehicle throughout the EEA and all Green Card system states. EU member states do not require the physical Green Card document. Non-EU Green Card states (e.g. Albania, Azerbaijan, Morocco, Tunisia, Turkey) may require the physical Green Card certificate to be presented. The insurer must issue the Green Card upon request.
driver_restrictions
Coverage requires the vehicle to be driven by a person holding a valid driving licence appropriate for the vehicle type. Exclusions apply for drivers lacking a valid licence, those whose licence has been suspended, withdrawn or revoked by an administrative or judicial authority, and for unlawful or unauthorized use of the vehicle. These exclusions are not opposable to injured third parties; the insurer retains the right of recourse against the responsible driver.
claim_notification_deadline
The policyholder, insured or beneficiary must notify the insurer of a claim within a maximum of seven days from becoming aware of it, unless the Particular Conditions set a longer period. Any judicial, extrajudicial or administrative notification related to the claim must be communicated immediately. In theft claims, the insured must also file a police report and provide a copy to the insurer. For travel assistance, the insured must contact the insurer's 24/7 dedicated telephone line before incurring expenses.
bonus_malus_rules
The insurer respects existing no-claims bonuses from prior insurers (as stated on the official product page). Prior claims history is validated via the TIREA system when the customer transfers from another insurer. Premium for subsequent years is adjusted based on claims behaviour and tariff updates per Art. 94.1 of Ley 20/2015. The insurer validates prior claims history through TIREA; if the prior insurer is not a TIREA member, the customer's declared history is accepted based on the truthfulness principle.
Policy specifics
Mandatory Third-Party Liability
Mandatory insurance coverage for damages caused to third parties in motor vehicle circulation. This is the legal minimum required by Spanish law (Real Decreto Legislativo 8/2004).
Voluntary Third-Party Liability
Optional voluntary extension of mandatory liability coverage to increase indemnification limits beyond the legal minimum.
Legal Defense
Coverage for legal defense costs in motor third-party liability claims, including telephone legal advice and assistance with legal document management.
Theft and Fire
Optional coverage for vehicle damage due to theft and fire. Included in Terceros Ampliado but optional in Terceros Básico.
Window Breakage
Coverage for damages to the vehicle windows (windscreen and windows). Optional in Terceros Básico, included in Terceros Ampliado.
Travel Assistance
Roadside assistance coverage available in multiple tiers (Oro basic, Platino enhanced with substitute vehicle). Provides 24/7 support for breakdowns and accidents.
Claims Recovery
Assistance in recovering damages from the responsible third party, included in most MTPL plans.
Claims Recovery
Optional coverage providing assistance in recovering damages from the responsible third party. Available in both Terceros and Terceros Ampliado as an optional guarantee. Exclusions mirror those of legal defence: nuclear/war/terrorist events, non-traffic incidents, contractual claims, bail bonds, fiscal costs, and litigation between insured and insurer.
Authorized Driver Condition
Coverage requires the vehicle to be driven by an authorized and legally licensed driver. Exclusions apply for drivers without valid permits or suspended licenses.
Claim Notification Deadline
Insured must notify the insurer of a claim within 7 days of occurrence. This is a mandatory procedural requirement.
Geographic Coverage - Green Card System
Mandatory liability coverage extends to countries under the Green Card agreement. Voluntary coverage applies to Spain and EU countries. Specific countries may require the physical Green Card document.
Prescription Period for Subrogation
The insurer's right to recover paid indemnities from the responsible third party expires after one year from payment date.
Repair Workshop Network
Repairs for rotura de lunas and other damage may be restricted to insurer's certified workshop network. For vehicle damage in basic MTPL, repairs typically use insurer-designated workshops.