Car insurance for Expat

FAQS

We've answered many questions so far, and here they are compiled.
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If you have any questions, you can contact us at hola@coventia.es or by calling 960 13 04 94.

Do I need to get car insurance if I am an expat in Spain?

Yes, if you own a car in Spain, it is mandatory to have third-party liability insurance. This insurance covers damages you may cause to other people or vehicles in the event of an accident. Additionally, as an expat, it is advisable to consider insurance policies that offer additional coverage, such as comprehensive coverage, theft, or roadside assistance, especially if you frequently travel around the country.

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What documents do I need to get car insurance in Spain as an expat?

To obtain car insurance in Spain as an expat, you will need the following documents: a valid ID (passport or NIE), proof of residency (empadronamiento), a driver's license, and the vehicle documents (technical sheet and registration certificate). It is essential to ensure that your driver's license is valid in Spain or, if necessary, that you have it validated.

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Can I drive with my Spanish car insurance in other European Union countries?

Yes, Spanish car insurance covers driving in all European Union member countries. However, it is advisable to review the details of your policy to confirm which coverages are included when driving outside of Spain. Some policies may offer roadside assistance or extended coverage for international travel.

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How does my driving history abroad affect getting car insurance in Spain?

When getting car insurance in Spain, your driving history abroad can influence the cost of your policy. Insurance companies may request a claims history report or proof of your insurance history from your home country. If you have a good record, you could benefit from discounts or bonuses, while a history with accidents could increase your premium.

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Can I insure a car with foreign plates in Spain?

Generally, cars with foreign plates must be registered in Spain if you plan to reside in the country permanently. However, some insurers offer temporary insurance for vehicles with foreign plates. These insurances are useful while you go through the registration process in Spain, but it is important to check the conditions and maximum duration of such a policy.

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How can I reduce the cost of my car insurance in Spain?

There are several ways to reduce the cost of your car insurance in Spain. Maintaining a clean driving record, choosing a higher deductible, bundling multiple insurances with the same company, and parking your car in a garage can help you obtain a lower premium. It is also useful to compare offers from different insurers and take advantage of potential discounts for expats or new residents.

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What additional coverages should I consider when getting car insurance in Spain?

When getting car insurance in Spain, besides the mandatory third-party liability coverage, you might consider additional coverages such as comprehensive coverage, theft, fire, and roadside assistance. If you are an expat, roadside assistance coverage can be particularly useful as it offers help in case of breakdowns or accidents, even if you are in an unfamiliar area.

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What happens if I sell my car in Spain and already have insurance?

If you sell your car in Spain, you should notify your insurer as soon as possible. In most cases, you will be able to cancel the insurance and receive a proportional refund for the unused time. Some insurers also allow you to transfer the policy to a new vehicle if you decide to purchase another car. It is important to review the specific conditions of your insurance contract to know your options.

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How does my age affect the cost of car insurance in Spain?

Age is an important factor that insurers consider when calculating the cost of car insurance in Spain. Young drivers (under 25) and those over 70 often face higher premiums due to the statistical risk associated with these groups. However, some insurers offer discounts for experienced drivers or those with a safe driving history, which could help you reduce the cost.

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What should I do in the event of a car accident in Spain?

In the event of a car accident in Spain, the first thing you should do is ensure that everyone involved is safe. Then, if possible, move the vehicle to avoid blocking traffic and place the emergency triangles. Exchange information with the other party, including insurance and contact details. Fill out the friendly accident report and notify your insurer within 7 days. If there are injuries, call the emergency services immediately at 112.

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