Car Insurance in Spain

Fully comp coverage is the best level available. The key aspect is own fault repairs are incuded. This means if you have an accident which is your fault or with no third party then the claim will be paid out in full.  

To keep the cost of this type of policy down, an excess is usually applied.

This is an excellent option if the car is over a certain age. Usually cars over 10 years old will opt for this level.

There are options to include cover with no excess in the event of a total loss due to fire or theft.

This coverage is for older vehicles which have a low market value or a car that has a reasonable value but is not driven often. Either it is a second car or you are traveling often and do low milege. If you are interested in a quote but have not bought the vehicle yet it will be important to understand the process of buing a second hand car.

Key aspect of this level of cover is Public Liability for passengers and Third Parties in addition to Personal Accident cover.

Health care assistance in case of accidents and Full Legal Defence will be included as standard.

There are better companies than others when it comes to car insurance. For example some have premium protection so own fault claims will not affect the renewal price. Other companies are much better value for high value vehicles. Young drivers are accepted by some and not other companies. 

So the answer to the question is the best company really depends on type of vehicle, value of vehicle, size of engine, whos driving. Even the post code will affect cost.

As brokers we have access to all the top companies and can instantly place you on cover with the right insurance company based on your requirements. 

The repairs can be done in a garage of your choice. The parts which are used for the repair are New for old.

All options will have coverage for accessories fitted from factory in the event of a total loss. This is extras such as leather seats and sound system.

Windscreen and Glass cover is fully included and both will have no excess applied. There is also a call-out service so a van will do the installation at your home if you prefer.

Breakdown is always included as standard on all policies in Spain. The level of cover can vary between insurance comapnies.

The majority of companies offer European breakdown and can include Morocco on request.

Towing for the vehicle from km “0” (your residence) will be included. This is especially important as a flat battery can happen to anyone.

All policies can have a Green card issued on request with no charge.

Below are the benefits of top cover:
Hotel expenses and taxi expenses can be covered in event of an accident.

Transportation or repatriation of the insured and passengers. Again this is Europe wide cover.

Transportation of the insured to pick up the repaired vehicle. In the event you can not stay with the vehicle to be repaired the insurer will pay for you to return to the garage where the vehicle is being repaired for collection.

Sending a professional chauffeur is an option as well. If it is not possible to collect the vehicle once repaired then the insurer will pay for a driver to bring the vehicle back to your home address.

Sending replacement parts. This will happen if the parts can not be sourced directly from the repair garage. The insurer will then pay for the transportation of the parts to the garage.

Obtaining and sending copies of key will also be included.

We can quote for young drivers. This is especially important as it can be difficult to insure drivers under 25 years of age.

If the vehicle is of low value or not driven often then price of the policy will be the most important factor when choosing a insurer. 

We can place the car with a company with a bare bones policy. Limitations might be on breakdown such as 30 kms towing but if the car will not be driven far then this should be acceptable. 

All policies include a replacement vehicle. The amount of days that you will have available will depend on which insurer you choose. 

Yes the road and safety rules in Spain are slightly diferent to other countries. In this blog we outline all the key points to

familiarise yourself with.

We can provide a quote within minutes and issue policy providing we have all the information straight away.