How does car insurance work in Spain?

Do you have to pay car insurance in Spain?

It is compulsory to have car insurance in Spain with the minimum legal requirement being third party liability cover. … 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).

Can I drive my friends car in Spain?

In Spain, it is the car that is insured, not you. … If you need to drive someone else’s car, you can’t do it under your own insurance. In Spain, you can’t use your car cover to drive other cars. The owner of another car needs to ensure that you are included in their car policy.

Can you drive a car in Spain without insurance?

The Spanish law states that all owners of motor vehicles in Spain must have an insurance for each of those vehicles with at least the minimum obligatory cover required by the law. A car without insurance could incur a penalty of between 600 and around 3,000 euros.

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Can you pay monthly for car insurance in Spain?

Yes, you can. However, an insurance contract is a 12 month commitment from both you and the insurer. If the insurer allows you to pay in instalments you are legally obliged to make all those instalments to cover the annual premium. … Please be aware that if you pay in instalments the overall annual premium may increase.

Will my UK car insurance cover me in Spain?

Insurance: the good news is you have basic cover in the EU

If you’ve got valid UK car insurance, you’ve also got the legal minimum cover in any EU country. … They will be able to advise whether you have the same level of cover abroad as you do in the UK.

Is my car insurance valid in Spain?

As a general rule, vehicles insured in any European country are covered when driving in Spain. Sometimes, the insurance provider will be able to offer you specific rates for special coverage for driving in another country.

What are 5 items that must be carried in a vehicle at all times in Spain?

Don’t forget you must carry the following 7 essential items in your car when driving in Spain in 2021.

  • Passport or ID Card.
  • Driving Licence.
  • Insurance Certificate.
  • Original registration document (permiso de circulación)
  • Ficha Tecnica/itv (Mot Certificate)
  • Two warning triangles.

Is it legal to sleep in your car in Spain?

Sleeping in the car

The good news for people, who like us sleep in the car when they travel, is that in Spain it’s permitted to sleep in campers in highway parking, streets and squares. … Many people travel there by campers and the campsites are everywhere and they are well marked on the road.

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What age can I drive someone else’s car?

You need to be 25 or over when the policy starts. Your car insurance policy needs to be a fully comprehensive one. The other car must have insurance already. Your car must be in a driveable state (ie, not written off).

How much does road tax cost in Spain?

A one-time registration tax must be paid to the municipality at the time of registering a vehicle. This tax is based on CO2 emissions, with rates ranging from 4.75% (121-159g/km) to 14.75% (200g/km or more). Once this is paid, you will have to pay an annual road tax, which is based on the vehicle’s horsepower.

Can I buy a car in Spain without residency?

You do not need to be an official resident of Spain in order to buy a car here, although you must provide proof of address in the form of a padrón (empadronamiento), a tenancy agreement or property deeds. … NIE certificates do not expire, so even an older one will allow you to purchase a car.

What documentation do I need to buy a car in Spain?

What documentation do I need to provide?

  • Your NIE (número de identidad de extranjero) – your foreigner ID number.
  • Proof of permanency in the form of your house deeds or a rental contract for a minimum of one year.
  • A proof of residence (certificado de empadronamiento) which is no more than three months old.

Do you insure a car or a driver?

Contrary to popular belief, car insurance typically follows the car — not the driver. If you let someone else drive your car and they get in an accident, your insurance company would likely be responsible for paying the claim, depending on the coverages in your policy.

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How do I cancel my car insurance in Spain?

Please note that if you wish to cancel an insurance policy you have to provide your insurance company with two months’ notice of non-renewal, which is law in Spain, otherwise they will automatically renew.