Zurich Motor GO! Todo Riesgo — comprehensive car insurance in Spain
Technical parameters
Cost
Cost: Calculated individually, top level of the range
Period: annual contract with automatic renewal
| General Category Characteristics | |
| Parameter | Value |
| Type of insurance | Comprehensive car insurance with own-damage cover |
| Coverage format | All risks of the extended tariff plus damage to your own vehicle |
| Geographic coverage | Spain and green card countries |
| Contract duration | Annual, with automatic renewal |
| Price calculation | Based on car model, registration date and postal code |
| Zurich Motor GO! Todo Riesgo Specifications | |
| Parameter | Value |
| Own damage | Repair of the car at your fault and, subject to the policy conditions, with an unidentified third party |
| Excess options | With excess to save or without excess for full cover |
| New-car valuation | Up to 3 years from registration in total loss, subject to the policy conditions |
| Inherited risks | Theft, fire, glass, weather phenomena, belongings up to €900 |
| Civil liability | Mandatory and voluntary up to €120 million, 24-hour assistance |
| Legal defence | With a Zurich network lawyer subject to the policy conditions, or up to €1,500 with your own lawyer |
Full protection for a new or valuable car without caveats
Zurich Motor GO! Todo Riesgo is the top of the company’s car insurance range, designed for those who want protection without exceptions. The main difference from all other tariffs is own-damage cover. If you crash into a lamppost yourself, scratch the bodywork in the parking lot, or the car is damaged by an unidentified third party, the repair is paid by the insurer and not by you out of pocket. This exists in neither the basic nor the extended tariff, where own damage remains your problem. Comprehensive cover inherits all the previous guarantees: theft full and partial, fire, glass, weather phenomena, compensation for personal belongings up to €900 and third-party liability up to €120 million.
The tariff comes in two variants, with excess and without it. With excess you pay a fixed amount per claim and Zurich takes on the rest; the excess amount depends on the chosen insurance variant. This lowers the monthly premium and suits careful drivers who rarely claim for small things. The variant without excess is more expensive but offers full predictability: the company covers the repair according to the policy conditions, with no outlay on your part beyond the limits set in the contract. A separate value is the valuation of the car as new in the first three years from registration in case of total loss, according to the policy conditions. Todo Riesgo is justified for a new or valuable car, especially if you park on the street and don’t want surprises at the workshop at the first knock.
Why take out Zurich through MG Seguros
- Exclusive agent of Zurich in Spain.
- Advice in Russian, Spanish and English.
- Comparison of all Motor GO! variants.
- Help in the event of a claim.
- Support at policy renewal.
- Fully online enrollment.
Typical tasks that this policy solves
Agent's opinion