Car insurance costs
Third-party coverage can be as cheap as €150 but will usually be around €250–300. Fully comprehensive policies are likely to be €400 a year or more.
Can I insure a car in Spain as a non resident?
If your car is not Spanish and you don’t have a NIE or resident’s permit, you won’t be able to insure it with a Spanish insurance company. If your car has a Spanish number plate, you can get insurance without a NIE, just using your passport.
Will my UK car insurance cover me in Spain?
If you’re driving in most European countries
All UK vehicle insurance provides the minimum third party cover to drive in: the EU (including Ireland) Andorra.
Can I pay car insurance monthly in Spain?
If you have a newer car you might want to consider a fully comprehensive policy whilst if the vehicle is older perhaps you would be content with third party fire and theft. Can I pay in instalments? Yes, you can. However, an insurance contract is a 12 month commitment from both you and the insurer.
How much is car insurance in Spain? – Related Questions
Do you pay car tax in Spain?
IVTM (Impuesto sobre Vehículos de Tracción Mecánica) is a Spanish municipal tax. Anyone in Spain who has a registered vehicle and wants to drive on public roads has to pay IVTM, with no exemptions for hybrid or electric vehicles.
Can anyone drive an insured car in Spain?
In Spain it is the vehicle that is insured and not the person – most motor insurances in Spain will cover the main driver and any driver over a certain age (usually 25/30 years old). You cannot drive anyone else’s car under your own insurance. You need to be covered under their vehicle policy.
Do I need insurance when renting a car in Spain?
Car hire insurance in Spain
In Spain, Third-Party Liability insurance is required by law and covers your liability for damage to other vehicles and persons. The basic insurance required for cover on your rental vehicle is Collision Damage Waiver (CDW) and will cover you for the full cost of your hire car.
Can someone else drive my car in Spain?
It is essential that ‘regular drivers’ are registered with the DGT in Spain. It is a fairly common practice the world over to allow someone else to drive your car and Spain is no exception.
Do I need liability insurance in Spain?
The third party liability insurance (seguro de terceros o de responsabilidad civil obligatoria) is mandatory in Spain. It is the minimum insurance required by Spanish law to drive a vehicle in Spain.
Does a car have to be insured if off road?
The law says that you must normally have at least third party motor insurance if you drive or own a vehicle. You must also have insurance if you leave it parked on the street, on your driveway or in your garage. The police can check on the spot if your vehicle is insured using the Motor Insurance Database.
How do police know if a car is insured?
Using AskMID and automatic number plate recognition, the police can see if the cars on the road are safe or not and view their insurance information. Members of the public can also use AskMID to check if they are adequately insured.
What happens if police stop you without insurance?
You could receive a fixed penalty of £300 and six penalty points on your licence if you are caught driving a vehicle that you are not insured to drive. If the case goes to court you could get an unlimited fine and be disqualified from driving.
Can I drive someone else’s car on my insurance?
As we’ve seen, driving other cars (DOC) insurance isn’t usually included as part of a fully comprehensive policy. Unless your policy states otherwise, you’ll only be able to drive your partner’s car if they’ve added you as a named driver or have a family or any driver car insurance policy.
Can my boyfriend drive my car?
If a friend or family member borrows your car without your consent and causes an accident, they’re liable for any injuries or damages in most cases. However, if the borrower doesn’t have insurance, you may have to file a claim to help cover property damages.
Can I drive a car not registered in my name?
Driving an unregistered car is against the law and can result in some serious fines and an impounded vehicle. Without a valid registration, the police may question the driver’s ownership of the vehicle, and an officer might assume the car is stolen.
Can you drive another person’s car if you are fully comprehensive?
Having fully comp insurance on your own vehicle doesn’t mean that you’re fully comp on someone else’s. If your insurance provider does allow you to drive a different vehicle, it’s likely that they will only provide third party cover as a maximum.
Can my wife drive my car?
Yes, someone can drive your car and be covered on your insurance if you give the driver permission to use your car and they are not excluded from your policy. Car insurance typically follows the car, not the driver, so your policy will still apply if the person using your … read full answer.
Can I drive a uninsured car with my insurance?
No, the vehicle you are driving must have a minimum of third party cover on. If it does not, you will not be insured. We give you the low down on how to save on insurance, little-known tricks and tips, what insurance groups mean and how to use insurance aggregators to beat insurers.
Can I drive someone else’s car in Europe?
Can I drive someone else’s car abroad? Yes, as long as you have a valid driving licence and, if necessary, an International Driving Permit.
Do I need an International Driving Permit for Spain in 2022?
What International Driving Permit do I need for Spain in 2022? You will not need an IDP to drive in Spain from 1 January 2021.