Driving in Spain offers an exciting experience, but like any country, it comes with its own set of rules and regulations. One of the most crucial aspects of driving in Spain is having the proper car insurance. This article will guide you through what you need to know about car insurance in Spain, ensuring that you stay safe on the road and comply with local laws.
Legal Requirements for Car Insurance in Spain
In Spain, it is legally mandatory to have at least third-party liability insurance for your vehicle. This type of insurance covers damages to other vehicles, property, and individuals in case of an accident. Not having the required insurance can result in severe fines, vehicle impoundment, and other legal issues.
Additionally, when driving in Spain, always carry the following documents:
- Proof of insurance
- Vehicle registration
- Driver’s license (an international driving permit may be required for non-EU nationals)
Peace of mind while driving
Types of Car Insurance in Spain
In Spain, there are several types of car insurance options to choose from, depending on your needs and preferences. Here’s a breakdown of the most common types:
- Third-Party Liability Insurance (Responsabilidad Civil Obligatoria): This is the most basic and legally required type of insurance in Spain. It covers the costs of damages to others in the event of an accident that is your fault, but it does not cover damages to your own vehicle.
- Third-Party, Fire, and Theft Insurance: This offers everything that third-party liability insurance does, but with additional protection against theft and fire. It’s a good option if your car is relatively new or valuable.
- Comprehensive Insurance (Todo Riesgo): Comprehensive insurance provides the most complete coverage, including damages to your own vehicle, regardless of who is at fault. It also includes protection against fire, theft and vandalism. This option is highly recommended for new or luxury cars or if you want peace of mind.
- Additional Coverage Options: Many providers offer additional coverage, such as a courtesy car if your vehicle is damaged and needs repairs (some policies include a courtesy car while yours is in the shop), legal assistance which offers coverage for legal support in case of accidents or disputes and coverage for damage due to weather events and game animals.
How to Choose the Right Insurance for You
When selecting car insurance in Spain, it’s important to consider factors such as:
- Coverage needs: Do you need basic third-party liability, or do you want more comprehensive coverage?
- Premiums and deductibles: How much are you willing to pay monthly? Higher coverage typically means higher premiums.
- Customer support and language assistance: As an expatriate, you may prefer an insurer that offers customer service in English or provides documentation in your native language.
Benefits of Insuring Your Car with Reputable Providers
Choosing the right insurance provider can offer you a variety of benefits:
- 24/7 customer support: Leading providers offer customer support in multiple languages and are available around the clock, which is essential if you’re dealing with an accident or emergency in a foreign country.
- Nationwide network of workshops: If your car is damaged, it’s crucial to have access to a network of reliable workshops. Companies offer a vast network of approved repair shops across Spain.
- Peace of mind while traveling abroad: Many insurers offer international coverage, allowing you to drive with confidence if you travel to other European countries.
- Choice of repair garage: some insurance companies include free choice of garage.
Frequently Asked Questions (FAQs)
Q: What is the excess or deductible in car insurance?
A: The excess is the amount you pay out of pocket when making a claim. It can vary depending on the policy, but you’ll need to pay this amount before your insurer covers the rest.
Q: What happens if I’m involved in an accident?
A: In case of an accident, make sure to exchange insurance and contact details with the other party. You should fill in the accident report called “Declaración amistosa de accidente” in Spanish. Then notify your insurance provider as soon as possible to start the claims process.
Q: Can I drive in Spain with a foreign license?
A: Yes, as long as your license is valid, you can drive in Spain. However, if you are a non-EU national, you may need an International Driving Permit.
Q: How do I update my policy if I move to another address?
A: Contact your insurance broker to inform them of your new address. Your policy may need to be adjusted depending on your new location.
Safety Regulations in Spain
In addition to having the right insurance, there are several mandatory safety requirements when driving in Spain:
- Warning Triangle: You must carry a warning triangle in case of an emergency. From January 1, 2026 the warning triangles will be replaced by the mandatory connected V16 pre-signaling device. The V16 will be the only legal hazard warning device.
- Reflective Jacket: Drivers and passengers must wear a reflective jacket if they are outside the vehicle on the highway at night.
- Spare Tire and Tools: Having a spare tire and the necessary tools to change it is highly recommended, though not always legally required.
- Emission Stickers: Some cities in Spain require vehicles to have an emission sticker based on the vehicle’s environmental class.
Car insurance is a crucial aspect of driving in Spain. By understanding the legal requirements and coverage options available, you can choose the right insurance that meets your needs. Additionally, by selecting a reputable provider, you’ll benefit from peace of mind, knowing that you are covered in the event of an accident or emergency. Safe driving starts with being prepared, so make sure you have the right car insurance and enjoy your time on the roads of Spain.
We at Cogesa Expats, a renowned insurance broker in Spain, will help you choose the right vehicle insurance to cover your needs. Contact us by email or phone or fill out the form below and we will reach out to you as soon as possible.
