In Spain, third-party motor insurance is required by law — without valid basic cover you cannot legally drive on public roads. On top of that there are several levels of optional protection you can add, depending on the value and age of the car and how you use it. We help you find the right balance between price and peace of mind.
The most common levels
- Third-party (a terceros). Mandatory. Covers damage you cause to other vehicles, people and property.
- Third-party plus (a terceros ampliado). Third-party plus fire, theft and glass.
- Fully comprehensive (a todo riesgo). Also covers damage to your own car.
- Assistance. Towing, help with punctures and starting problems — often across Europe.
- Driver accident cover. Personal injury coverage for you as the driver.
What affects the premium
The premium is influenced by the value and age of the vehicle, who the main driver is, where the car is parked, how many kilometres you drive per year and your claims history. We go through the parameters with you so that you do not pay for coverage you do not need — and are not left unprotected where it matters.
Scandinavian licence, Spanish car
If you are officially resident in Spain, you usually need a Spanish driving licence after a certain time. That affects how the policy is written. Have you just moved or are you about to? Get in touch and we will explain how licence, insurance and vehicle registration fit together, and in what order to handle them.
When something happens
In case of a traffic incident, it is important to fill in an accident report (parte amistoso) on the spot together with the other party. Take photos, note the vehicles involved and contact us as soon as possible. We handle the rest — contact with AXA, workshop, any towing and follow-up until everything is resolved.
Would you like a proposal for car insurance? Send us the registration number, main driver details and how you use the car, and we will come back with a clear overview showing what the different coverage levels cost and include.