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How do I get a car insurance quote?

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Do you need car insurance in Spain?

Yes. Car insurance is a requirement. The minimum cover is third party. Failure to have insurance will result in a financial penalty that can run into thousands of euros. You are also personally liable for damages caused to other persons and vehicles if driving uninsured. If you are stopped by the police without insurance you will be fined and your vehicle immobilized.

Is car insurance in Spain expensive?

You have to buy at least third party insurance in Spain. After that it is like most things. The more features and cover you want then the more you pay. If you have a newer car you might want to consider a fully comprehensive policy whilst if the vehicle is older perhaps you would be content with third party fire and theft.

What type of insurance should I buy?

People with newer vehicles tend to opt for a fully comprehensive policy. Alternatively, if your vehicle is older you might want to take out third party fire and theft. If you have an older car you need to weigh up the premium costs in relation to how much an insurance company will compensate you in the event your vehicle is written off.

If I take fully comprehensive insurance what excess do I have to Pay?

This depends on you. If the car is brand new you can take out a car insurance in Spain without any excess. Alternatively, to keep the premium down you might agree to accept an excess. The amount of excess will adjust the price. Clearly the greater the excess you are willing to accept then the lower the premium. Excesses start from around 90 euros. Most clients tend to accept a 200 or 300 euros excess on their fully comprehensive car insurance in Spain, but the decision is yours.

Can I use a no-claims bonus from another country in Spain?

Yes, many insurers will take into account your no-claims bonus from outside of Spain if it comes from an EU country. Other countries may also be accepted.

Can I insure my UK car in Spain?

Yes, it is possible to insure a UK registered car in Spain. It also might be worth looking at our page about importing a car to Spain.

Does the amount of kilometres I drive influence the price?

Yes. You often have to provide an estimate of what you normally do over a year.

Will my insurance be cheaper if I keep the car in a garage?

Possibly. Some insurers offer a discount if the vehicle is kept in a garage at night. However, should you leave the car outside one night and it is stolen this could give the insurer a reason to argue against your claim. As the discount to the premium is minimal we recommend not taking the chance.

Will my policy cover me if I drive to the UK, Germany or Sweden as examples?

The policies offered covers you throughout the European Union and the European Economic Area (EEA). In respect of the UK it is possible you will need a Green Card after Brexit. The position is not yet clear after the transition period that ends on 31 December 2020

Is it possible to insure a young driver?

Yes. However, be prepared to pay a much higher premium and the amount of insurers interested in taking this risk will be reduced. Many people, who are under 25 but want car insurance in Spain, have a policy in their parent’s name. They are then added as a named driver.

I have family visiting can I add a driver to my policy?

With car insurance in Spain it is the vehicle that is insured. So if you have a family member who meets the insurers criteria there is no need to add them to the policy. For example, the insurance company may stipulate that a driver must be over 25 years of age and held a full licence for a minimum of two years. If your visitor meets that criteria then they can enjoy the same insurance benefits as you and there is no need to advise the insurance company.

Can I get breakdown cover included?

In general, most insurers in Spain add some form of breakdown cover in their policies as standard. The level of cover can vary including how far the company will transport your vehicle. Make sure you get the cover you require. Remember it is illegal to tow a vehicle in Spain.

Can I get cover for my windscreen?

Yes. Most Spanish insurance companies include protection for your windscreen. The service is also very efficient with several auto glass companies offering a fast service to repair or replace your damaged window by liaising directly with the insurer for you, at no extra cost to you.

Can I get a policy with a courtesy car included?

Of course. Depending on the insurer a courtesy car can be made available after an accident and agreement has been reached to repair the vehicle. Some will even provide a courtesy car if yours is off the road for a non-claim such as mechanical reasons.

How do I renew my car insurance ?

Car insurance in Spain is a 12 month contract between you and the insurance company. It is automatically renewable unless either party gives notice in writing. If you wish to renew you just need to ensure the premium is paid. The insurer most give two months notice if they do not wish to renew your insurance contract. You must give at least one month if you do not wish to renew your car insurance.

How do I make changes to my policy?

Contact your agent/broker or the company. If you want to enhance your cover then the insurance company will calculate the additional cost to add the extra cover for the remainder of the insurance contract. For other adjustments you need to contact the agent/broker or insurance company at least one month before the renewal date.

How do I cancel my insurance?

An car insurance contract is a 12 month contract for both the insurer and the customer. If the insurer does not wish to renew the contract they will advise the client in writing at least two months before the renewal date. If a client decides to take insurance elsewhere then they must give at least one month’s written notice and also provide a copy of their NIE/DNI or passport with the written letter.

What is the legal minimum cover I must have for car insurance in Spain?

You must have at least third party protection.

Can I use my Spanish insurance to drive in another country?

No. In Spain it is the vehicle that is insured and not the driver. Therefore, your policy covers your car but not it will not enable you to use the benefits on another vehicle, either in Spain or elsewhere.

How do I pay road tax in Spain?

You pay road tax through the town hall where the car is registered. It is paid annually and to avoid forgetting it might be a good idea to set up a direct debit from your Spanish bank account. If you move, especially to an area that falls under a new town hall, then you should not only check with your insurance company any revised premium but also update the vehicle address. This can usually be done through the town hall. See How to change registered address of vehicle in Spain.

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