Product

Need some help? Please contact us and we will review your situation to ensure that it meets the requirements of Extranjería. Whatsapp consultation

Home » Policies » Zurich Motor GO! Ampliado — extended third-party insurance with theft and fire

Zurich Motor GO! Ampliado — extended third-party insurance with theft and fire

Technical parameters

Cost

Cost: Calculated individually, mid-range level
Period: annual contract with automatic renewal

General Category Characteristics
Parameter	Value
Type of insurance	Extended third-party car insurance
Coverage format	Liability plus theft, fire, glass and weather phenomena
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! Ampliado Specifications
Parameter	Value
Theft	Full and partial theft of the vehicle
Fire	Full and partial fire
New-car valuation	Up to 3 years from registration in total loss from a covered risk
Belongings cover	Up to €900: personal items, child seat, luggage on holiday
Glass and weather	Glass repair plus damage from hail and storms
Civil liability	Mandatory and voluntary up to €120 million, 24-hour assistance

A balance of protection and price for an older car with real value

Zurich Motor GO! Ampliado sits between the bare liability tariff and full comprehensive cover. It keeps everything the basic policy offers — third-party liability up to €120 million, roadside assistance, legal defence — and adds three key risks that basic insurance does not protect against. These are theft, full or partial, fire, and damage from weather phenomena such as hail or a heavy storm. To this it adds glass cover and compensation for personal belongings up to €900, split between personal effects, child seat and luggage during holidays. The tariff is especially sought after for cars over five years old and second-hand vehicles for its good balance of price and cover.

A particular value of the Ampliado is the valuation of the car as new during the first three years from first registration. If within that period the car burns out completely or is stolen without recovery, Zurich pays the value of a new vehicle of the same class, not the residual market price with depreciation. After three years, an improved market value (valor venal mejorado) applies according to the policy conditions. It is worth understanding the tariff’s limit: the Ampliado does not cover own damage if you are the one who damages the car through your own fault — for that you need comprehensive cover. So the extended tariff makes sense when the vehicle retains real value and the risk of theft or fire still matters, but paying for own-damage cover on an older car no longer pays off.

Why arrange Zurich through MG Seguros

Exclusive agent of Zurich in Spain
Support in English, Spanish and Russian
Comparison of all Motor GO! modalities
Help in the event of a claim
Support at policy renewal
Fully online enrolment

Typical tasks that this policy solves

Auto

Car Insurance Against Theft and Fire

Your car has been stolen from the parking lot or has caught fire: Zurich Motor GO! Ampliado pays out the value of the vehicle and, in the first three years from registration, values it as new. The tariff covers exactly the risks that basic liability insurance does not protect against, which is key if you park in a yard or on the street.

Go to the solution

Auto

Car Glass Insurance: Repair and Replacement Solutions

A chip or crack on the windscreen from a stone is resolved with homologated glass and a warranty of up to 10 years. Filing a glass claim does not reduce your no-claims discount, and on modern cars with cameras and sensors the company also adjusts the ADAS systems after replacement in line with the manufacturer's requirements.

Go to the solution

Auto

Comprehensive Insurance: Total Coverage for Any Vehicle Damage

If you have caused harm to other people or to other vehicles, the compensation to the injured parties is taken on by the insurer. The tariff includes mandatory and voluntary civil liability with a limit of up to €120 million, protecting you from large claims and from financial catastrophe after a serious accident.

Go to the solution

Auto

24/7 Roadside Assistance and Towing Services in Spain

The car has broken down, won't start or has had an accident: the technical team arrives within 60 minutes, or you receive €60 in compensation under Zurich's conditions. Towing covers a radius of up to 200 km, and on-the-spot repair is available 24 hours across Spain. This assistance is included in the tariff at no added cost.

Go to the solution

Agent's opinion

"The Ampliado is the middle ground I recommend most often. For a car three to seven years old that still has market value, a theft or a fire means a total loss, and the basic tariff is useless there. On top of that, the surcharge for theft, fire and glass is small compared with comprehensive cover, which on an older car often doesn't pay off. The key is to remember that own damage through your own fault is not covered by this tariff. If you park on the street or the car is worth a fair bit, the Ampliado closes the real risks without overpaying."

Mikhail G., Car Insurance Advisor