Five ways to reduce the cost of your car insurance in Spain

Five ways to reduce the cost of your car insurance in Spain

Here are five ways to reduce the cost of your car insurance in Spain:

  1. Review your policy every few years to ensure it remains competitive. Use a broker to shop around for you and avoid having to negotiate with various insurance companies. Bypass that tiring task of negotiating between one company and another.
  2. Some insurance companies calculate part of the price of the annual premium based on the number of kilometres you expect to do in a year. If you do not do many kilometres then advise the broker. They can then focus on companies that offer discounts for low-mileage.
  3. If you have a fully comprehensive policy, then you could consider increasing the excess. The excess is the part you pay towards the repairs when an accident is deemed your fault or no one else is involved. The higher the excess the lower the premium.
  4. If your vehicle is getting long in the tooth, then consider what you are likely to get back from an insurance company. Is fully comprehensive insurance still good value for money? What is the reduction in premium for third party fire and theft? Is it worth continuing with fully comprehensive?
  5. Pay your premiums on time and cancel old policies properly. If you do not, then you may end up with adverse credit information. Some insurers use credit reporting agencies and this can influence whether they will allow you to pay in instalments. A bad rating may lead to an increased premium or could affect whether they are prepared to issue a policy at all.

Good news if you want to trade in your old car!

Plan Moves 2020

If you are thinking of replacing your old car, then the Spanish government have got some good news for you.

Plan Moves 2020

The average age of vehicles in Spain is 12.7 years and the government wants to promote electric and low emission replacements.

Plan Moves 2020 forms just part of a huge 3,750 million euro plan the Spanish government announced today. For this element of the scheme 100 million euros has been set aside.

Plan Moves 2020

If you buy a new car and your old one is over ten years old and subsequently scrapped, then the government will give you money to help with the switch. Your old car cannot subsequently be sold on. In addition, the new vehicle you buy cannot be a gas guzzling environment wrecker. It must slip into category A or B in the emissions table meaning no more than 120gCO2/km.

The specifics for each vehicle have yet to be firmed up but the maximum limits are as follows:

Do not forget to get a car insurance quote for your potential new car.

MiDGT mobile application

MiDGT mobile application

MiDGT mobile application is the official name of the android application from the Dirección General de Tráfico (DGT) in Spain.

MiDGT mobile application 1

Launched in March this year it gives the user access to their driving licence, the number of points they retain on their driving licence as well as details about Spanish vehicles registered in their name.

You can update your mobile phone and email address held by the DGT and authorise the receipt of notifications from the DGT.

When you log in you will see your photo, your points summary and the vehicles you own listed further down.

In the top left corner are the three lines which opens up a menu. From here you can add your mobile phone number and email to the records that the DGT hold and also switch on or off a button to receive notifications.

Next to the welcome message and photo of the registered user is the option “Ver mi carnet”. Click here and this takes you to a copy of your Spanish driving licence.

Copy of your Spanish driving licence

MiDGT mobile application 3

Once you click “Ver mi carnet” on the DGT mobile application your driving licence appears. It will show all the details of the original plastic card that you probably have in your wallet. Your date of birth, DNI/NIE etcetera. You can click to turn the card on the MiDGT mobile application around. This shows you the list of vehicle categories you have permission to drive. The dates of when you were authorised to drive each category of vehicle and the expiry date for each category is also shown in the same format as it is on the original pink plastic card licence.

This image explains the front of the driving licence as it appears on the MiDGT mobile application. The letters and numbers next to row headed 9) are the categories of vehicles you have permission to drive.

MiDGT mobile application 4

In the top right corner you will see a blue arrow forming almost a circle. Click this icon and you are presented with the reverse side of your driving licence.

Here you have more details about the category of vehicles you have permission to drive. When you were authorised to drive them and when the category expires.

If you return to the first page we looked at, the one when you access the application then lower down you will see the list of vehicles registered in your name.

Here you can click on each one to find out more information about each one.

MiDGT mobile application

List of your Spanish vehicles

There is information on the make and model of the vehicle, what fuel it uses and the engine size (cilindrada).

You will also find the VIN / Bastidor number and the date the vehicle was first registered. Now of course, it also has the environmental rating shown.

Further down the individual vehicle page you have confirmation of whether it passed the last ITV and very usefully the date the current ITV expires.

Lower down the page are the insurance records of the vehicle and the insurance renewal date.

For each vehicle registered in your name there is a record. You can access them one by one from the front page of the MiDGT mobile application.

The DGT plan to expand the use of the application. The idea is you will be able to carry out various administrative tasks from your mobile phone. In the future, you should be able to pay relevant fees using the MiDGT mobile application, pay traffic fines, identify the driver who caused the traffic infraction if it was not you that was driving.

In a later stage they intend to enable users to include matriculation and transfer of vehicle ownership using the MiDGT mobile application.

How to download the application

The application can be downloaded using your android phone’s play store or if you are an apple user from the App Store.

To access the application you will either have to have a digital signature installed on your mobile phone or have access to the Cl@ve PIN application as part of the security measures to access the information.

To log in the first time I used the Cla@ve PIN application I already have installed on my phone. It makes it a bit cumbersome the first time but then the next time I wanted to log in I just had to use my finger print and went smoothly straight into the application.

Although the MiDGT mobile application has limited functionality at the moment, the promised further developments will make dealing with Tráfico a lot easier in the future.

One final point, for the time being we still recommend you have possession of your physical driving licence on you whilst driving.