If you practice such sports as fishing, hunting or yachting, there are obligatory liability insurance requirements, which in the case of yacht ownership, will vary depending on the size and flag of the vessel.
Frequently Asked Questions | Car Insurance
General
Other than motor insurance, are there any other obligatory insurances which I may require in Spain?
How do I go about renewing my Insurance Policy?
Most Spanish policies will renew automatically each year, and we will advise you in advance of the renewal date of the premium due for the coming year. If we have arranged your cover with an Insurer who does NOT provide automatic renewal, we will write to you well in advance of the renewal date and offer renewal terms to you.
Car Insurance
Other than motor insurance, are there any other obligatory insurances which I may require in Spain?
If you practice such sports as fishing, hunting or yachting, there are obligatory liability insurance requirements, which in the case of yacht ownership, will vary depending on the size and flag of the vessel.
How do I go about renewing my Insurance Policy?
Most Spanish policies will renew automatically each year, and we will advise you in advance of the renewal date of the premium due for the coming year. If we have arranged your cover with an Insurer who does NOT provide automatic renewal, we will write to you well in advance of the renewal date and offer renewal terms to you.
What are the minimum insurance requirements for motor insurance in Spain?
All vehicles must have at least the Obligatory Third Party Liability cover
What car documents am I obliged to carry in my car?
The original vehicle log book (known in Spain as the Permiso de Circulacion & Ficha Tecnica), original driving licence of the driver, and original receipt of premium payment for the current insurance period. If your premium is paid via direct debit, it is your bank who will send you this receipt - if you do not receive it, you can either chase your bank up for it, or contact us and we can send you a duplicate.
Does my Insurance come with a green card?
Yes, we provide a 12 month green card on all policies
My car has been damaged in a claim. Am I entitled to a courtesy hire car?
Yes, in most cases, our motor policies entitle you to a courtesy car for up to 35 days.
Who is entitled to drive my car?
This varies from Insurer to Insurer, but generally speaking any driver over 27 years of age who has held a full licence for over 2 years and has the Owners permission, is able to drive the car. You must advise us if anyone under this age is intending to drive the car.
My children are visiting for a 3 week holiday in the summer – they are only 19 and 22. What should I do?
Contact us with their full names, dates of birth and copies of driving licences, and for a small additional premium we can arrange to include them on your policy for the duration of your stay.
My policy has an excess of € 300. How and when is this applied?
If you make a claim under your Policy for an incident which was your fault, then any repairs to your own vehicle will be subject to the € 300 excess - in other words, if the total repair bill for your vehicle were € 2.800, then your Insurers would indemnify €2.500. If on the other hand the claim is the fault of a third party, and the third party insurers accept liability, then your vehicle will be repaired without any excess being applied.
However, should the third party insurer not accept liability, or simply not respond, then you would need to make a claim under your own policy (assuming you had fully comprehensive cover), and you would have to pay the € 300 excess.
Can I use my no claims discount from my previous Insurer?
Yes, we are happy to respect your no claims entitlement from your previous Insurer (including overseas Insurers) - all you need to do is get a certificate from them confirming the level of discount that you enjoyed.
What should I do in the event of an accident?
Complete the European Accident Report form provided by us with your Insurance Policy. This should be completed as fully as possible, and signed by both parties, but only if you are in agreement with the content of the form. Completion of this form can greatly reduce the timescale in processing your claim. Once completed please send it to us as soon as possible so as we may commence the claims process. Should, following the accident your car be undriveable, you should call the emergency breakdown number provided in your insurance documents, and they will arrange to send a towing vehicle to transport your car to a garage of your choice.
A stone has hit my windscreen, and the windscreen now needs replacing – what should I do?
Simply call the emergency breakdown number provided with your motor policy, and they will arrange for a glass specialist to repair the damage.
Do I require insurance cover for my golf buggy?
Nowadays most golf courses will insist on you producing proof of third party liability insurance for your buggy in order to be able to use it on the golf course.
Does my golf buggy insurance cover me to use my buggy on the road?
Unless your buggy has a registration number, lights, indicators, horn, and has been homologated for use on the roads - and this extends not only to major roads, but also to internal community roads within urbanisations - then it is an offence to use the buggy on the public highway, and the insurance would be invalidated.
What cover is available for my golf buggy?
We can provide third party liability cover on its own, or we can top it up with fire and theft as well.
I have received a fine for a traffic violation – what should I do?
You can call the emergency breakdown number provided with your Insurance Policy as this includes a service which can help you contest the fine/sanction.