Zurich Motor GO! A terceros ampliado (Completo) — extended car insurance with glass, fire and theft
Technical parameters
Price
Price: calculated individually — by vehicle, driver’s age and licence seniority, place of residence and driving history
Term: annual, renewed automatically
| What this modality includes | |
| Civil liability | Compulsory and voluntary — damage caused to others |
| Legal defence | A Zurich lawyer with no cost limit — or your own, up to €1,500 |
| Repair shops | More than 800 partner garages — and free choice of any other |
| Driver accident cover | Payment of the sum insured in the event of incapacity |
| Loss of licence points | Up to €500 for the compulsory recovery course |
| 24-hour roadside assistance | On-the-spot repair or towing up to 200 km |
| Glass | Repair or replacement of the windscreen and other glazing |
| Theft | Theft of the vehicle, and of belongings inside it — up to €300 |
| Fire | Including partial fire damage |
| Weather and animals | Hail, storms and collisions with wild animals |
| New-for-old valuation | If stolen, a new car of the same value is paid — for three years from first registration |
| All four modalities side by side | ||||
| Guarantee | A terceros | Lunas | Ampliado | Todo Riesgo |
| Civil liability | yes | yes | yes | yes |
| Legal defence | yes | yes | yes | yes |
| Repair shops | yes | yes | yes | yes |
| Driver accident cover | yes | yes | yes | yes |
| Loss of licence points | yes | yes | yes | yes |
| 24-hour roadside assistance | yes | yes | yes | — |
| 24-hour assistance, Plus level | — | — | — | yes |
| Glass | — | yes | yes | yes |
| Theft | — | — | yes | yes |
| Fire | — | — | yes | yes |
| Weather and animals | — | — | yes | yes |
| New-for-old valuation | — | — | yes | yes |
| Own damage | — | — | — | yes |
| Replacement vehicle | — | — | — | yes |
The list of guarantees is taken from the Zurich Motor GO! general conditions of January 2026. The make-up of each modality has been checked against sample policies. Specific limits are set out in the particular conditions of your policy — we go through them before signing.
Everything except your own dents
Motor GO! Ampliado is the middle modality of the range and, for price against cover, usually the most sensible one. It protects the vehicle against everything that happens to it through no fault of yours: theft, fire, hail, animals, broken glass.
The only thing it does not include is damage you cause to the car yourself.
What is added to the basic modality
Theft. Of the vehicle, and of belongings taken from inside it, up to €300.
New-for-old valuation. If the car is stolen within the first three years from first registration, you are paid for a new car of the same value, not a used one with depreciation. This is what sets Ampliado apart from many similar offers on the market.
Fire, including partial fire damage.
Hail, storms and collisions with wild animals. In Spain this is not exotic: summer hailstorms batter the bodywork, and a wild boar on a night road is routine.
Glass — repair or replacement.
What is not there
There is no own damage cover. If you are the one who hits a pillar, scrapes the side against the garage wall or fails to see the kerb, the repair is on you.
There is no replacement vehicle while yours is being repaired.
Who it suits
A car of roughly three to eight years old, when fully comprehensive already looks expensive but nobody is willing to lose the whole vehicle to theft or fire.
Anyone who parks on the street rather than in a garage. Anyone driving roads where animals come out. And anyone who drives carefully but cannot answer for the weather or for other people’s hands.
If the licence is recent or several people in the family drive, it is worth looking at Todo Riesgo: in those cases own damage is precisely what happens most.
Where the policy applies
The territorial scope is not the same for every guarantee, and it is worth knowing before driving abroad.
Civil liability, legal defence, driver accident cover, glass, theft, own damage, total loss, fire, weather and animals apply across the European Economic Area and the states party to the international insurance guarantee conventions. The list appears on the International Insurance Certificate issued by the company.
Roadside assistance splits in two: for risks to the vehicle, Spain, the rest of Europe and the countries bordering the Mediterranean; for risks to people during a journey, worldwide.
Note this carefully. The legal protection within the defence guarantee is limited to events and proceedings in Spain. The licence-points allowance covers only penalties imposed in Spain. So an accident in France is covered, but this guarantee will not run a case before a French court.
What the policy never covers
Damage caused intentionally. Extraordinary risks, which are covered by the state Consorcio de Compensación de Seguros rather than the insurer.
Driving under the influence of alcohol or of drugs, narcotics or psychotropic substances: exceeding the legal blood and breath alcohol limits removes cover. The exclusion does not affect the owner where the driver is their employee and is not a habitual alcoholic or addict.
Driving by an unauthorised person, without a licence, or with a licence withdrawn or cancelled. Driving schools are an exception: a student at the wheel is covered when accompanied by, or under the supervision of, a legally authorised instructor.
Cases where the driver is convicted of failing to render assistance. Theft or improper use of the vehicle. And traffic offences where the offence itself was the determining cause of the accident.
Separately: races, competitions and preparatory trials, and incidents inside port and airport precincts for vehicles that habitually operate there, are excluded unless otherwise agreed.
Typical tasks that this policy solves
Agent's opinion Ampliado is the one I suggest most often, for one reason: it covers everything that happens through no fault of yours, and costs considerably less than full cover.
I draw particular attention to new-for-old valuation. If the car is stolen in the first three years, they pay for a new one of the same class, not a depreciated used car. People find this out after the theft and very much regret not having asked earlier.
Who I do not advise it for: a recent licence, or several people in the family driving. What suffers most then is precisely your own bodywork, and that is not here — you need to look at Todo Riesgo.