Spanish insurance policies may vary from the standards of other countries, including EU countries. For example, when a car is considered a write-off in Spain, the insurance company will only refund a percentage of the value.
It is obligatory for all cars to have at least third party, fire and theft insurance (part comprehensive). This is called: seguro a terceros or responsabilidad civil obligatoria
Fully comprehensive “all risks” insurance (Seguro a todo riesgo) is available and often obligatory when leasing a car or buying on hire purchase.
Optional driver and passenger insurance (Seguro de ocupantes) provides compensation for loss of earnings and death. Special insurance may be required for exceptional contents and accessories.