Car insurance in Spain for expats and foreign residents
From the compulsory minimum to fully comprehensive cover, we arrange car insurance in Spain and explain every level to you in English, before you sign and after an accident.
- Non-Spanish nationality
- Drivers aged 25 or over
- Private individuals or companies
Spanish or temporary plates only. We insure cars registered in Spain, or on temporary plates while the Spanish registration is completed. A car on foreign plates cannot be insured on this policy.
Four levels of cover
Every car in Spain needs at least compulsory third party liability. Above that, you choose how much of your own car you want to protect.
- 1
Third party
The compulsory liability that every car in Spain must carry, plus voluntary liability on top. It pays for injury and damage you cause to other people and their property.
- 2
Third party with glass
Everything in third party, plus breakage of the windscreen, side and rear windows of your car.
- 3
Third party complete
Third party with glass, plus further cover for your own car against events that are not a collision. The exact list is in your policy schedule.
- 4
Fully comprehensive
Also covers damage to your own car in an accident, even when it is your fault. Available with or without an excess.
Limits and options are set out in your policy schedule. We go through them with you before you sign.
Extras you can add
Roadside assistance
Breakdown and towing, at the level you choose.
Driver personal accident
Cover for the driver if they are injured in an accident.
Legal defence
Help to claim from the other side and to defend you after an accident.
Replacement car or allowance
A car while yours is being repaired, or an allowance instead.
Good to know
Replacement value for newer cars
For newer cars, the policy can pay the price of a new car instead of its market value if it is written off. The conditions are in your policy schedule.
Temporary plates
If you have just bought a car and it is on temporary plates while the Spanish registration is completed, it can be insured from day one. Tell us when the Spanish plates arrive and we update the policy.
Electric and hybrid cars
They can be insured. Tell us the exact model and version so the cover matches the car.
Driving licence withdrawal
An optional allowance if your driving licence is suspended, on the terms set out in the policy.
How it works
- 1
Tell us about you and the car
Your nationality and age, the make and model, and whether it has Spanish or temporary plates.
- 2
We prepare your proposal
We suggest the level of cover and the extras that make sense for the car and how you use it.
- 3
We explain it before you sign
In English: what each level covers, what is excluded and what the policy asks of you.
- 4
We are there for claims
After an accident, you call us. We help you with the claim form and deal with the insurer with you.
Frequently asked questions
Yes. A car on temporary plates can be insured while the Spanish registration is completed, so you can drive it legally from the start. When the Spanish plates arrive, tell us and we update the policy.
No. We only insure cars on Spanish plates or on temporary plates pending Spanish registration. A car on foreign plates cannot be insured on this policy.
It is the insurance Spanish law requires for every motor vehicle. It pays for injury and damage you cause to other people with the car, up to the legal limits. It does not cover damage to your own car or injury to the driver: for that you need voluntary cover.
If you have one, bring it: a certificate from your previous insurer showing your years of driving and any claims helps us present your profile. Tell us what you have and we will tell you whether it is useful for your case.
Yes, electric and hybrid cars can be insured. Give us the exact model and version so the policy matches the car.
Your passport or NIE, your driving licence, and the details of the car: make, model, version and plates. To ask for a quote you do not need to send any document.
Ask for a quote
Tell us your nationality and a little about the car. We reply in English, Monday to Friday, 9:00 to 14:00 (Spanish time).
Also need home insurance? See home insurance for expats, or go back to insurance for expats in Spain.
Request a quote
This page explains in general terms how car insurance works in Spain. It is not advice on your particular case: cover, limits and exclusions depend on the policy and are set out in its documents. Ask us before you decide.