Zurich Motor GO! A terceros — basic cover with roadside assistance
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 |
| 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.
The legal minimum, and a little above it
A terceros is the basic Motor GO! modality. It covers the harm you cause to others: their vehicle, their property, their health. Your own car is not covered under this modality.
But «basic» does not mean «bare». Above the compulsory minimum it already includes things other insurers charge extra for.
What comes on top of the compulsory cover
Legal defence. After an accident Zurich appoints a lawyer with no cost limit. If you prefer your own, up to €1,500 is paid.
24-hour roadside assistance. On-the-spot repair or towing up to 200 kilometres.
Driver accident cover. If the accident leaves you incapacitated, the sum insured is paid out. This is about you, not the car.
Licence points course. Up to €500 towards the compulsory recovery course.
Garages. More than 800 partner workshops across Spain on special terms — and still free choice: you may have it repaired wherever you wish.
What is not here, and this is the point
Not covered: glass, theft, fire, hail and collisions with animals, and any damage to your own car caused by you.
In practice: a stone cracks the windscreen and you pay. The car is stolen and you pay. You scrape a pillar in the car park and you pay.
Who it suits
A car with little residual value, where full cover does not pay off. A family’s second vehicle, driven rarely. The situation of needing a valid policy at the lowest price.
If the car is new or expensive, the price gap to the fuller modalities is usually smaller than it looks — while the gap in cover is enormous. We calculate both and show you the figures before you decide.
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 I suggest A terceros when the car is old and its market price is low. There is then no point paying for full cover: at worst the insurer would return little, while you pay the premium every year.
But I always say out loud what this modality lacks: glass, theft, fire and any dent of your own. The client needs to understand that if a stone breaks the windscreen, they pay. Half of them, after that sentence, ask me to price Lunas — and that is the right conversation.