Protect Your Car With The Best Car Insurance In Spain
What is car insurance in Spain? Spanish car insurance is an agreement that will cover damages to your car, damages to other vehicles if you were to hit someone else and other events that may occur. Car Insurance In Spain Is a legal requirement and includes protected no claims bonus cover, 35 days courtesy car cover, and full European breakdown cover.
Whether you’re looking to switch insurers or find cover for that brand new ride of yours, we have your back! Regarded as the best providers of car insurance in Spain, we strive to meet all the demands of clients by offering the most competitive premiums options against car insurance companies.
OUR CAR INSURANCE POLICY IN UNDER 60 SECONDS
FAQ’s
BROWSE SOME OF OUR MOST POPULAR FAQ’s AROUND CAR INSURANCE IN SPAIN. IN ADDITION, IF YOU HAVE ANY FURTHER QUESTIONS, PLEASE GET IN TOUCH REGARDING MORE INFORMATION ON CAR INSURANCE SPAIN.
That will depend on your insurance policy, most policies cover for drivers over 25 or 27 with more than 2 years license automatically, however named driver policies are also available.
Third party liability cover is obligatory in Spain, all though breakdown cover is not, it is illegal to tow a car with another car in Spain.
Car insurance prices in Spain vary depending on age, no claims bonus, area in Spain, make and model of car, premiums for third party only with breakdown, legal, medical and glass start from 185 euros.
Road Traffic Accidents
MOST NOTEWORTHY, IF YOU ARE UNFORTUNATELY INVOLVED IN A CAR ACCIDENT IN SPAIN… THERE ARE CERTAIN THINGS THAT YOU SHOULD DO.
We are noted amongst one of the best car insurance companies for car insurance in Spain. Here, we can help you discover the best ways to protect you in the case of a road accident.
If no one is injured you can proceed to fill out the European accident form, because this document has a carbon copy and you should also have 2 copies of this with the policy documentation we send you. An original in Spanish and a translation copy in English so you can read what you are filling out and signing, each party takes a copy of this form and sends it to their insurer.
Accident Forms
Road Side Assistance
INVOLVED IN A CAR ACCIDENT IN SPAIN?
Furthermore, the insured or regular driver, providing s/he is a natural person residing in Spain, his/her spouse, ascendant or descendent relatives to the first degree and any other individuals who, irrespective of the degree of consanguinity, form a part of the family unit and live with the insured. While, even if travelling separately and by any means of transportation, as long as the trip does not exceed 90 days, and in the event of an accident or malfunction affecting the insured vehicle, as a result, all passengers in it, limited to the maximum number of authorised seats. Get a quote for car insurance online from one of the best insurance companies in Spain. See all our insurance services click here.
Full Glass Cover
FULL GLASS COVER WITH ALL OF OUR CAR INSURANCE POLICIES
The motor insurance policies we offer include full glass cover, we work closely with Car Glass in Spain and Auto Glass in the UK. Car Glass in Spain have mobile crews that give service throughout most of Spain. They can come to your home, replace or fix your car window or windscreen and will invoice the insurer directly, there is no excess for broken windows or windscreens. We are very proud to offer this as not all insurance companies will include glass repair without charging an excess. We also include cover for protected no claims bonus and with your car insurance policy in Spain you receive a full annual green card free of charge. Having glass cover is essential as it allows you to repair your windscreen as completely as possible whether this be a small chip or full smash. Even though damage may seem very minor at the time, it is important to repair the chip as soon as possible. If dirt and debris are embedded into the area of the chip, it will make the repair less effective or even impossible.
Fire / Theft and Third Party Cover
CAR INSURANCE IN SPAIN, IT IS IMPORTANT TO KNOW EXACTLY WHAT YOU ARE COVERED FOR
There is no excess to pay for fire or theft damages on our car insurance policies in Spain. We even include 500€ cover for personal effects stolen from the vehicle after an accident.
With our third party, fire and theft policies, we have about the same cover as on the fully comprehensive policies, excluding the own damage of course. However protected no claims bonus, increased value for total losses, car accessory cover, accidents with wild and domestic animals, courtesy car cover, legal defense, and medical cover, hailstone damage is also included in our third party, fire & theft car insurance policies in Spain, cover for 500€ personal effects after an accident, windows/windscreen cover all included, all without an excess.
Motorbike and Van Policies
WHAT TO EXPECT FROM OUR MOTORBIKE AND VAN INSURANCE POLICIES IN SPAIN
With UK and Spanish registered motorbikes, there is no courtesy car cover, protected no claims or glass cover. For UK and Spanish registered vans, there is no protected no claims bonus included in our insurance policies. All other cover is the same as the car insurance policies we offer. Please note that a courtesy car is offered as a replacement vehicle, not a van. All our car and van insurance policies include standard cover for any trailer up to 750kg. Spanish registered trailers or caravans that weigh more than 750kg have to have their own registration number in Spain. As a result, they have to have their own separate insurance policy, again this is something we can help with. As of 2018 we do have 2 different car and van insurance policies we can offer the above text refers to the most complete policy we have, with E11 and E21 references. When you request a quote we will always offer this insurance policy, unless our other option is substantially cheaper, in which case we will point out the difference in the cover.
Motorhomes and Classic Car Cover
WHAT OUR MOTORHOME AND CLASSIC CAR POLICIES CAN PROVIDE FOR YOU
We can offer insurance cover for UK and Spanish registered motorhomes also, with full roadside assistance cover included as standard. For the heavier motorhomes, we do have the option of quoting with and without breakdown cover. (As the costs for towing larger motorhomes are more expensive.) We also offer classic car insurance policies for all UK and Spanish registered classic cars and vans; these policies are issued with an agreed value based on an official valuation certificate from either; a classic car club, or an official recognized classic car restorer. They are named driver only insurance policies, issued in Spain, they include full roadside assistance cover, glass, legal defense, and medical cover. They do not include courtesy car cover or increased value in the event of a total loss, the value of the vehicle is the agreed value as per your valuation. We can offer fully comprehensive, fire and theft or third party only cover for classic cars. You must be a member of a Spanish classic car club and the car must be parked securely, off-road, when not in use.
What Happens If You Have No Car Insurance In Spain?
SPANISH CAR INSURANCE IS A LEGAL REQUIREMENT AND FAILING TO INSURE YOUR CAR WILL INCUR HUGE PENALTIES
When either purchasing a motor vehicle in Spain or bringing one into the country, it must be insured so that you can legally drive it. Drivers that are insured in other EU countries as well as Norway, Liechtenstein and Switzerland are now automatically covered for third party liability in Spain. However, it is important to note that this cover does not last forever and most policies from other countries will only cover in foreign countries for a certain period of time. So, you must check how long this cover will last as you could be caught out. Some drivers have been unknowingly driving without being covered in the past as their policies only allowed their vehicle to be covered in a different country for 6 months.
Driving with no Spanish car insurance is taken very seriously in Spain and the police are always clamping down as there are a reported 2 million uninsured drivers on the roads. The punishment for being caught with no car insurance in Spain can lead to fines of up to 3000 euros or even prison depending on the severity of the crime. There are no warnings or strike systems either, once caught you are punished. Often your car will be taken and you will be left to cover the costs of the tow truck or as they are called here ‘la grua’. Once insured, to avoid confusion or hassle, we highly recommend that whilst driving you always carry your ID, insurance documents and proof of last payment.
Car Insurance: Liabilty Cover
INFORMATION ON OUR FULL LIABILITY COVER
All our Spanish car insurance policies include full liability cover for 50.000.000€. For material damage and 20.000.000€ for damage to persons. Stipulated by law they all also include a voluntary liability cover of an additional 50.000.000€. 60.000.000€ Liability cover for the cargo you carry is also included as standard. Other companies do not include this cover and had to pay for damage caused to property. (When what they are carrying in the van has knocked over an arch entrance to a property). 35.000€ cover for bail bonds is also included as standard on all our car insurance policies in Spain.
Should you have any further questions regarding our car, van, motorbike, motorhome, classic car, classic van or classic motorbike insurance policies we offer in Spain, please contact us via email or phone and we will answer any questions you may have.
WE OFFER THE SAME LEVEL OF CUSTOMER SERVICE TO THE WHOLE OF SPAIN
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