Living in Andalucía - Motor Insurance

MOTOR Insurance is Mandatory for Drivers in Spain

Spanish law requires that all motor vehicles in Spain must have third party insurance in place designed to compensate third parties injured or who suffer loss in a road traffic accident. The current limit is set at € 70M for personal damages and € 15M for material damage.

Most expatriates tend to top the obligatory third party cover up with cover for damage to the vehicle itself along with emergency breakdown cover. Motor rates tend to be competitive in Spain and most Insurers will apply any no claims discount to which the client is entitled in their home country.

It is estimated that there are some 2M cars circulating on Spanish roads without any insurance, and the Guardia Civil are proactively using technology to identify those vehicles, and the Owners of them can expect to receive a fine of between € 601 and € 3.005.