Car Insurance Mallorca

Car Insurance in Mallorca — Generali Cover

Every car registered in Spain must have a minimum of terceros (third-party civil liability) insurance — there are no exceptions. For expats who drive in Mallorca and the wider Balearic Islands (Illes Balears), the most popular choices are terceros ampliado (adding theft, fire, glass and 24-hour European breakdown) and todo riesgo (fully comprehensive cover including own damage).

If you are arriving from the UK, Netherlands, Ireland or Belgium, we can arrange cover from the moment you settle in Mallorca — with all documents available in English and a local Generali office in Javea to handle anything in person. The expat profile here is broad: Hugely international — the largest German community in Spain outside Madrid, plus very strong British, Scandinavian, Swiss and Dutch populations. Many German residents are centred around Palma, Andratx and the southwest; British communities are stronger in Pollença, Alcúdia and Santa Ponça.

Car Insurance Mallorca — Local Considerations

Mallorca presents a particular set of driving and parking risks worth weighing when arranging car insurance. The main road network — Ma-1 (Palma-Andratx), Ma-13 (Palma-Inca-Alcúdia), Ma-19 (Palma-Cala D'Or), Ma-10 along the Tramuntana coast — carries heavy summer tourist traffic, and the local risk profile here is shaped by Tramuntana mountain roads (Sa Calobra is one of Spain's most-claimed-on roads), summer tourist traffic, severe flash flooding (the Sant Llorenç flood of 2018 still influences underwriting). Notable areas worth a second thought when garaging or street-parking include Palma cathedral and old town, the Serra de Tramuntana UNESCO World Heritage range, Sóller, Cap Formentor. Premiums are influenced by the local theft-recovery rate, the road-injury rate on these specific roads, and your own driving history.

For ITV (Spanish roadworthiness inspection), the nearest centre to Mallorca is Palma, Inca, Manacor, Llucmajor. The nearest international airport for hire-car returns and seasonal travel is Palma de Mallorca (PMI) — the busiest airport in Spain by passenger numbers in peak summer. Imports from the UK, Netherlands, Ireland or Belgium are handled in English — we co-ordinate matriculación and arrange cover from the moment you arrive in Mallorca.

Two of our guides are useful background for anyone insuring a vehicle in Mallorca. One covers how to check if a car is insured in Spain. The other explains which DGT environmental sticker your vehicle needs.