Motorhome & Camper Insurance Spain

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Specialist insurance for motorhomes, campervans and converted vans — Generali Autocaravana. Four cover tiers, 24-hour European assistance, optional contents and accessories cover.

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By Andrew Turner · In insurance since 2001, exclusive Generali agent since 2007 · DGS Registry C0467B54657010 · Last reviewed May 2026

Quick Answer — Motorhome & Camper Insurance in Spain

Mandatory?Yes — vehicle insurance required

Typical premium€280–€620 / year

Cover tiersFour tiers — Generali Autocaravana

European breakdownStandard

Contents add-onAvailable — accessories included

Spanish Insurance Law: Motorhome & Camper Insurance — Key Facts, Limits & Exclusions

The legal framework, specific waiting periods, exclusions and citations every prospective policyholder should know. Sources are linked inline to the BOE (Boletín Oficial del Estado) and Spanish regulators.

Legal framework

Motorhomes (autocaravanas) and converted vans (camper) are regulated under RDL 8/2004 plus specific provisions in Real Decreto 750/2010 for vehicle classification. Compulsory third-party cover applies as for cars and vans. Importantly, self-converted vans (camper conversions) must be reclassified at the DGT — a process called reforma — and require an updated technical inspection (ITV especial) and insurance valuation reflecting the conversion value.

Buildings vs vehicle: the dual-cover question

A motorhome is both a vehicle AND a habitable space. Standard motor cover handles only the vehicle aspect. Comprehensive motorhome policies (Generali Autocaravana, four tiers) add: contents (mattress, kitchen equipment, electronics — typically up to €5,000), accessories (awnings, bicycles, satellite — typically up to €2,000), and assistance for breakdowns specific to the living quarters (gas system failure, water-tank leaks, fridge breakdown).

European breakdown and 60-day rule

Standard motorhome policies include European breakdown cover for 60–90 days per trip across the EU plus Switzerland, Norway, UK and most Mediterranean countries. Trips exceeding the per-trip limit need temporary extension (extensión territorial) — most insurers grant this free for one trip per year if requested in advance. Brexit note: UK is now outside the EU but most Spanish motor policies still include UK in the European cover area.

Long-term parking and unoccupancy

Motorhomes parked for more than 30 consecutive days in one location should be declared to the insurer. Long-term storage (>90 days) without notice can void theft cover. Most Spanish policies allow parada técnica (planned long parking) up to 6 months with reduced premium — useful for owners who use the motorhome seasonally and store in the rest.

Motorhome Insurance Spain — Generali Autocaravana

Motorhome insurance Spain (Seguro de Autocaravana y Camper) is a specialist vehicle insurance policy for motorhomes, campervans, converted vans (furgonetas camperizadas) and caravans. Generali offers a dedicated autocaravana insurance product with four levels of cover, European breakdown assistance and optional extras specifically designed for motorhome owners who live and travel in their vehicle. Mandatory third-party civil liability applies to all motorhomes regardless of when they are driven.

Important: Under Spanish law, all motorhomes and campervans registered in Spain must carry mandatory civil liability insurance even when the vehicle is parked and not in use. Driving without insurance carries fines of €500–€1,500 and vehicle impoundment. Get a motorhome insurance quote →

Four Cover Tiers — Generali Autocaravana

Choose your level of motorhome cover

Third party (terceros básico): Mandatory civil liability — covers damage caused to other people, their vehicles and property. Includes 24-hour European breakdown assistance. Legal minimum required by Spanish law
Third party + glass: All third-party cover plus accidental breakage or replacement of all glazing — windscreen, side windows, skylights (claraboyas), acrylic roof lights, and habitation windows. No excess applies to glass claims
Third party + glass + theft + fire: All of the above plus: total or partial theft of the motorhome or its contents, damage caused during a theft attempt (forced entry), and fire damage (including fire caused by gas appliances). No excess on theft or fire claims under this tier
Comprehensive (todo riesgo): All risks including own damage — collisions, overturning, impact damage and all accidental damage to the motorhome itself. Available with or without a voluntary excess (franquicia). This is the recommended option for motorhomes valued over €30,000

What All Motorhome Policies Include

Civil liability (obligatoria): Bodily injury and property damage liability to third parties — required by Spanish law for all motorised vehicles on public roads
24-hour European breakdown assistance: Roadside assistance, towing to the nearest qualified garage, transport for all passengers and accommodation for up to 4 nights if the vehicle cannot be repaired shortly (up to €65 per person per night)
Legal defence and claims: Legal representation in criminal and civil proceedings following an accident; recovery of damages from the at-fault party
Occupant personal accident cover: Medical expenses, death and permanent disability compensation for driver and all passengers in the event of an accident
Green card for European travel: Annual European Green Card included — valid throughout the EU, EEA and all participating countries

Optional Extras — Motorhome Insurance Spain

Habitation contents and personal effects: Cover for clothing, electronics, personal valuables, bicycles, sports equipment and camping gear carried inside the motorhome — essential as these are not covered under the standard vehicle policy
Aftermarket accessories and conversions: Solar panels, additional batteries, external awnings, bike racks, satellite systems and camperisation equipment not fitted by the original manufacturer — particularly relevant for converted furgonetas
Courtesy vehicle: Hire car or alternative transport while your motorhome is being repaired following an insured claim — so your holiday plans are not ruined by a repair delay
Extended territorial cover: Extension beyond standard European cover to include Morocco — popular for expats on the Costa Blanca who cross to North Africa
Agreed value (valor pactado): For high-value motorhomes (typically over €60,000), the insured value is agreed at policy inception — preventing disputes over valuation in the event of a total loss
Windscreen excess waiver: Eliminates any voluntary excess on glass claims — useful if you have opted for a high voluntary excess on own damage cover

How to Get a Quote

Call or email us — ring 966 461 625 or email info@turnerinsurance.es. Our English-speaking team is available Monday to Friday, 09:30–15:00.
Tell us your situation — we will ask a few quick questions about what you need to cover, your age, location, and any existing policies you hold.
We compare options — as authorised Generali agents, we present the plans that match your needs and budget. No pressure, no obligation.
Your policy is set up — once you are happy, we arrange everything and send your certificate and English-language policy documents promptly.

Generali Autocaravana Cover Tiers

Cover level	What is included	Best for
Básico	Third-party liability, fire and theft — minimum legal cover for motorhomes in Spain	Older motorhomes used occasionally
Estándar	All Básico plus roadside assistance across Europe, glass cover, own vehicle damage	Regular Spanish and European touring
Plus	All Estándar plus contents inside the motorhome, awning and accessories cover	Families and full-time vanlifers
Premium	Full all-risks, unlimited European cover, replacement vehicle, driver personal accident	High-value motorhomes and frequent travellers

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Approximate Motorhome / Camper Insurance Pricing

Annual premiums for a typical Class C motorhome, driver 50+, parked off-street:

Third-party basic

from €280/yr

Mandatory liability
Roadside assistance
Bail bond included
Spain coverage
Older / lower-value vans

Frequently Asked Questions — Motorhome & Camper Insurance in Spain

Motorhome owners on the Costa Blanca have specific concerns around camping where it is allowed, ITV intervals, classification of converted vans, and habitation cover. Here are the most common questions.

Two distinct elements: (1) the VEHICLE — the chassis, engine, road-worthy components, exactly like a van or large car policy; and (2) the HABITATION — the living area: kitchen, bed, shower, fridge, gas system, leisure battery, solar panels, awning, etc. A pure vehicle policy is much cheaper but leaves the interior uninsured for fire, water damage and theft. Habitation cover typically adds €100-€300 to the annual premium and pays for the typically €5,000-€20,000 of fixtures inside.

Most standard motorhome insurance assumes the vehicle is a leisure asset used 60-180 days/year — not a permanent residence. Full-time living-in-vehicle (called 'fulltimer' insurance) needs a specialist policy, fewer than 5 Spanish insurers offer it, and premiums are typically 50-100% higher. There's also more underwriting around your living arrangements. We can arrange fulltimer cover where required.

Spain has a complex patchwork of rules: officially designated 'área de servicio' (free overnight for motorhomes) — fine; designated campsites — fine; supermarket and motorway service car parks — generally tolerated for one-night stops without setting up; on public streets in towns — varies by municipality, many ban it; on beaches, in nature reserves, in 'no camping' zones — fines from €100-€500. Insurance is valid wherever the vehicle is legally parked.

Effectively yes — motorhomes routinely travel to France, Portugal, Italy and back. Most comprehensive policies include 90-day European cover including alternative accommodation if breakdown is severe (a hotel for 2-3 nights while waiting for parts). Recovery of a 3-tonne motorhome is much more expensive than a car (specialist trucks, harder logistics), so the cover is genuinely needed.

Up to 3,500 kg gross weight: standard B (car) licence is sufficient. Above 3,500 kg up to 7,500 kg: C1 licence required (separate test, valid until age 65 then medical renewal). Above 7,500 kg: full HGV C licence. Many British clients arriving with motorhomes don't realise their vehicle is over 3,500 kg laden — we check the gross weight at policy quotation.

Motorhomes (autocaravanas) have ITV intervals like vans: 2 years from new for the first 6 years, then annually. Imported UK motorhomes need an initial ITV for matriculación — this can be challenging because emission testing on older diesel motorhomes can fail Spanish standards (UK standards are different). We advise on this before clients import an older motorhome to Spain.

Self-builds (a van you've converted with a bed, kitchen, etc.) can be insured but are more complex. The vehicle must either remain classified as 'industrial' (van insurance with no habitation cover for the build, or a habitation top-up) or be formally re-classified as 'autocaravana' at Tráfico (requires an ITV inspection of the conversion to ensure it meets motorhome safety standards). We help clients through this classification.

Yes — RHD motorhomes are common on Spanish roads and accepted by Spanish insurers without premium loading. The typical issues are: headlight beam pattern (must be adjusted for driving on the right), Spanish-style number plate dimensions, fitting of an Iberia-spec gas system if you want to use Spanish bottles. ITV will check all of these.

Pet liability under your home insurance follows you on motorhome trips. The motorhome insurance itself doesn't usually have specific pet cover, but doesn't exclude pets either. A dog injured in an accident is sometimes covered under personal injury cover at a small sum (€500-€1,500). Travel rules require microchip, EU pet passport / Animal Health Certificate, and recent rabies vaccination.

Yes — many motorhome owners tow a smaller car ('toad'). The towed car needs separate Spanish insurance (a normal car policy) but doesn't need to be road-taxed if towed wheels-up on a trailer. Some motorhome insurers include tow-bar liability cover for the trailer; others want a specific extension. The towing arrangement (A-frame, dolly, full trailer) is technical and we confirm before quoting.

Standard motorhome insurance is for personal use only. Renting out to others (Airbnb-style sites, peer-to-peer rental) needs a specific commercial hire policy which is significantly more expensive and only available from a few insurers. Renting to family or close friends without payment is sometimes treated as personal use, but the policy must be checked. Misrepresenting commercial hire as personal use voids cover.

Awnings, satellite dishes, solar panels, bike racks and other externals are normally covered under habitation if itemised. Awnings damaged by wind are a frequent claim — most policies include wind-storm damage but with sub-limits. Solar panels and large add-ons should be specifically declared with values to ensure full payout at claim.

Yes, but with strict conditions: vehicle must be locked, doors and windows closed and secured, items not visible from outside. Sub-limits apply — typically €1,000-€2,500 for total contents, with per-item limits (€500 for any single item, €1,000 for electronics). Items left visible (camera on the table, laptop on the bed) are usually NOT covered when stolen — a common claim-decline.

Yes — your standard health insurance covers you medically; the motorhome policy covers the vehicle. For travel within Europe, your Spanish health insurance usually covers up to 60-90 days of emergency care abroad. For longer trips or US/non-EU destinations, separate travel insurance is essential. Many motorhome owners take annual multi-trip travel insurance for this.

Motorhomes total much more easily than cars because the bodywork is large and lightweight. A relatively minor crash can damage the habitation structurally beyond economic repair. GANVAM tables apply for the vehicle portion; the habitation value is paid out separately based on the policy schedule. We advise insuring habitation at the cost to fully replace the interior, not the depreciated current value.

More questions? Visit our complete FAQ centre with 90+ detailed guides, or contact us for free English-speaking advice.

How This Compares to the Competition

Honest comparisons help you make an informed choice. These figures are typical Spanish-market starting points and depend on age, area, cover level and individual circumstances.

Generali Autocaravana vs Mapfre Autocaravana and Caravaning Insurance

How Generali's four-tier motorhome and camper plan compares to the main Spanish alternatives.

Feature	Generali Autocaravana	Mapfre Autocaravana	Caravaning Insurance Spain
Cover tiers offered	Four (Esencial → Total)	Three	Three
European breakdown standard	Yes — 90 days/trip	Yes — Spain + Portugal	Yes — 60 days/trip
Contents (mattress, kitchen, etc.)	Optional add-on, up to €5,000	Optional add-on, up to €4,000	Optional add-on, up to €3,000
Accessories (awnings, bikes)	Up to €2,000	Up to €1,500	Up to €1,500
Long-term parking (>30 days)	Permitted	Permitted with notice	Surcharge applies
Self-build / converted van	Yes — with declared value	Yes — with declared value	Yes — surveyed
Premium standard motorhome	~€420/year	~€470/year	~€440/year

Comparisons are based on publicly available product literature and our experience placing policies across the Spanish market. Premium estimates assume a healthy applicant on the Costa Blanca with no significant claims history. Contact us for a personalised, like-for-like quote.

Sources & References

This page references the following official Spanish regulatory and legal sources. These are the authoritative bodies and laws governing insurance products in Spain:

Dirección General de Seguros y Fondos de Pensiones (DGS) — Spanish insurance regulator. Confirms registration of insurance brokers (Andrew Turner: Registry C0467B54657010) and authorises all insurance products distributed in Spain.
Ley 50/1980 — Ley de Contrato de Seguro (BOE) — Spanish Insurance Contract Law. The primary legal framework governing all insurance contracts in Spain — defines duties, claims, cancellation rights and disclosure obligations.

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