MMT Seguros Motor third-party liability (Terceros)
Underwritten by Mutua MMT Seguros · Spain
motor third-party liability insurance from MMT Seguros for the Spain market, with online purchase and 24/7 assistance.
Last verified Jul 17, 2026Sources
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
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
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.
Section: 5. Descripción de las garantías y opciones > Ámbito territorial
El seguro obligatorio garantiza 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 y de los Estados adheridos al Acuerdo entre las oficinas nacionales de seguros de los Estados miembros del Espacio Económico Europeo y de otros Estados asociados.
Roadside assistance
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Driver accident
—
Passenger Accident Coverage
No limit stated
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
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.
Territorial scope
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.
Documents
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).
SourcePage 3Section: 5. Descripción de las garantías y opciones > Terceros > Garantías básicas
Responsabilidad civil obligatoria.
Voluntary Third-Party Liability
Optional voluntary extension of mandatory liability coverage to increase indemnification limits beyond the legal minimum.
SourcePage 4Section: 5. Descripción de las garantías y opciones > Terceros > Garantías opcionales
Responsabilidad civil voluntaria.
Legal Defense
Coverage for legal defense costs in motor third-party liability claims, including telephone legal advice and assistance with legal document management.
SourcePage 6Section: 5. Descripción de las garantías y opciones > Defensa jurídica
En cumplimiento de lo dispuesto en el punto 17 del Anexo, apartado A, letra a) de la Ley 20/2015, de 14 de julio, de Ordenación, Supervisión y Solvencia de las Entidades Aseguradoras y Reaseguradoras, el Asegurador gestiona directamente la garantía de Defensa Jurídica.
Theft and Fire
Optional coverage for vehicle damage due to theft and fire. Included in Terceros Ampliado but optional in Terceros Básico.
SourcePage 4Section: 5. Descripción de las garantías y opciones > Terceros ampliado > Garantías básicas
Incendio del vehículo (incluida la caída de un rayo). Robo e intento de robo del vehículo.
Window Breakage
Coverage for damages to the vehicle windows (windscreen and windows). Optional in Terceros Básico, included in Terceros Ampliado.
SourcePage 4Section: 5. Descripción de las garantías y opciones > Terceros ampliado > Garantías básicas
Rotura y reparación de lunas.
Travel Assistance
Roadside assistance coverage available in multiple tiers (Oro basic, Platino enhanced with substitute vehicle). Provides 24/7 support for breakdowns and accidents.
SourcePage 5Section: 5. Descripción de las garantías y opciones > Terceros > Garantías opcionales
Asistencia en viaje Oro. Asistencia en viaje Oro +. Asistencia en viaje Platino (incluye vehículo de sustitución).
Claims Recovery
Assistance in recovering damages from the responsible third party, included in most MTPL plans.
SourcePage 5Section: 5. Descripción de las garantías y opciones > Terceros > Garantías opcionales
Reclamación de daños.
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.
SourcePage 13Section: 6. Exclusiones de las coberturas > Defensa jurídica y reclamación de daños
No están garantizados por esta cobertura: a) Cualquier clase de actuaciones que dimanen, en forma directa o indirecta, de hechos producidos por energía nuclear, alteraciones genéticas, radiaciones radiactivas, catástrofes naturales, acciones bélicas, disturbios, explosiones y actos terroristas.
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.
SourcePage 9Section: 6. Exclusiones de las coberturas > Exclusiones generales aplicables a las coberturas de contratación voluntaria
Los producidos con ocasión de ser conducido el vehículo asegurado por una persona que carezca del correspondiente permiso o licencia de conducción válida o infringiendo las resoluciones de suspensión, retirada o privación del mismo por parte de una Autoridad administrativa o judicial.
Claim Notification Deadline
Insured must notify the insurer of a claim within 7 days of occurrence. This is a mandatory procedural requirement.
SourcePage 16Section: 7. El siniestro > Procedimiento para la declaración del siniestro
El Tomador del seguro, el Asegurado o el beneficiario, deberán comunicar al Asegurador el acaecimiento del siniestro dentro del plazo máximo de siete días a partir de haberlo conocido, salvo que se haya fijado en las Condiciones Particulares un plazo más amplio.
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.
SourcePage 7Section: 5. Descripción de las garantías y opciones > Ámbito territorial
Las coberturas de las garantías de contratación voluntaria surtirán efecto para los siniestros acaecidos en el territorio español, Andorra y los países miembros de la Unión Europea, salvo lo indicado en los párrafos siguientes.
Prescription Period for Subrogation
The insurer's right to recover paid indemnities from the responsible third party expires after one year from payment date.
SourcePage 17Section: 7. El siniestro > Facultad de repetición en la cobertura del seguro obligatorio
La acción de repetición del Asegurador prescribe por el transcurso del plazo de un año, contado a partir de la fecha en que efectuó el pago al perjudicado.
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.
SourcePage 18Section: 7. El siniestro > Cláusula Mi Taller Preferente
Mediante la presente cláusula, salvo en los casos en los que el vehículo sea declarado siniestro o pérdida total, el Asegurado y el Asegurador aceptan expresamente que el vehículo sea reparado en los talleres designados por este último o indemnizado, por los daños del vehículo, conforme a la valoración efectuada en dichos talleres.
Sources
- mmtseguros.comhttps://www.mmtseguros.com/hubfs/Documentacion_Seguro_Coche_Terceros/n_i-particulares_terceros.pdf?hsLang=es-es#page=13(opens in a new tab)
- mmtseguros.comhttps://www.mmtseguros.com/hubfs/Documentacion_Seguro_Coche_Terceros/n_i-particulares_terceros.pdf?hsLang=es-es#page=16(opens in a new tab)
- mmtseguros.comhttps://www.mmtseguros.com/hubfs/Documentacion_Seguro_Coche_Terceros/n_i-particulares_terceros.pdf?hsLang=es-es#page=17(opens in a new tab)
- mmtseguros.comhttps://www.mmtseguros.com/hubfs/Documentacion_Seguro_Coche_Terceros/n_i-particulares_terceros.pdf?hsLang=es-es#page=3(opens in a new tab)
- mmtseguros.comhttps://www.mmtseguros.com/hubfs/Documentacion_Seguro_Coche_Terceros/n_i-particulares_terceros.pdf?hsLang=es-es#page=4(opens in a new tab)
- mmtseguros.comhttps://www.mmtseguros.com/hubfs/Documentacion_Seguro_Coche_Terceros/n_i-particulares_terceros.pdf?hsLang=es-es#page=5(opens in a new tab)
- mmtseguros.comhttps://www.mmtseguros.com/hubfs/Documentacion_Seguro_Coche_Terceros/n_i-particulares_terceros.pdf?hsLang=es-es#page=6(opens in a new tab)
- mmtseguros.comhttps://www.mmtseguros.com/hubfs/Documentacion_Seguro_Coche_Terceros/n_i-particulares_terceros.pdf?hsLang=es-es#page=7(opens in a new tab)
- mmtseguros.comhttps://www.mmtseguros.com/hubfs/Documentacion_Seguro_Coche_Terceros/n_i-particulares_terceros.pdf?hsLang=es-es#page=9(opens in a new tab)
- mmtseguros.comhttps://www.mmtseguros.com/hubfs/Documentacion_Seguro_Coche_Terceros_Ampliado/n_i-particulares_terceros_ampliado.pdf?hsLang=es-es#page=18(opens in a new tab)
- mmtseguros.comhttps://www.mmtseguros.com/hubfs/Documentacion_Seguro_Coche_Terceros_Ampliado/n_i-particulares_terceros_ampliado.pdf?hsLang=es-es#page=4(opens in a new tab)
- mmtseguros.comhttps://www.mmtseguros.com/seguros-coche/seguro-coche-terceros(opens in a new tab)
MMT Seguros Motor third-party liability