Mutua Madrileña Motor third-party liability (Terceros Basico)

Combined mandatory and voluntary third-party liability provides up to 70,000,000 EUR for bodily injury and 65,000,000 EUR for property damage per claim, well above the legal minimums.

Roadside assistance is available from km 0 (no minimum distance required for the vehicle), with a guarantee of service within 1 hour or a 100 EUR credit, and up to 7 call-outs per year.

Defensor del Mutualista (independent policyholder ombudsman) whose decisions are binding on Mutua when favourable to the claimant, providing a stronger dispute resolution channel than standard legal routes.

Exclusive loyalty rewards through the Tarjeta SOY programme, offering cumulative discounts on fuel, travel, restaurants and more that increase over time (SOY Azul → SOY Oro at 6 years → SOY Platino at 20 years).

Driver restrictions

The vehicle must be driven by a legally licensed driver authorised by the insured or owner. Coverage is excluded if the driver lacks a valid driving licence, drives under the influence of alcohol (BAC above legal limits, or court conviction for drink-driving), drugs or narcotics. However, if the driver is an employee of the owner who is not a habitual alcoholic/drug user and is declared insolvent, the exclusion does not apply against the owner. Mutua retains a right of recourse against the at-fault driver. Only vehicles for private use are covered (Mutua Madrileña only insures vehicles for personal use).

Claim notification deadline

The insured must notify Mutua Madrileña of any claim within a maximum of 7 days from the date of becoming aware of it. Failure to do so may give Mutua the right to claim damages for losses caused by the late notification. For roadside assistance, services must be requested directly from Mutua (Spain: 91 557 83 22; abroad: +34 915 578 205). Mutua must notify the insured in writing within 30 days if a claim is rejected.

Bonus-malus rules

The policy does not explicitly describe a named bonus-malus system. However, the premium for successive renewals may be updated taking into account: (1) actuarial/technical criteria; (2) claims history and statistics; (3) changes to guarantees or other contract elements (vehicle, address, etc.) that affect the risk; (4) age and other subjective characteristics of the driver. No no-claims discount table is published in the general conditions.

Territorial scope

Effective in Spain; EU/EEA states adhering to the Multilateral Guarantee Convention; Inter-Bureaux Convention states (Green Card required for the latter, only RC Obligatoria, Defensa Jurídica, Reclamación de Daños and Asistencia en Viaje covered). Vehicle abroad more than 30 natural days excluded (RC Obligatoria excepted).