Expat Car Insurance Spain

In the event your car won’t start, follow these steps to ensure a quick and efficient resolution:

Immediate Assistance: Contact us immediately. Our response team is prepared to reach you within 40 minutes.

Diagnostic and Repair: Our technicians will diagnose the issue on-site. Common problems like battery failures, starter issues, or electrical faults are often resolved right there.

Battery Jump-Start or Replacement: If the issue is battery-related, we can jump-start or replace the battery on the spot.

Towing if Necessary: For more complex issues that can’t be fixed roadside, we’ll tow your car to the nearest reputable garage for repair.

Alternative Transportation: We understand the importance of your time. If your car needs to be towed, we’ll assist in arranging alternative transport to keep your day on track.

Comprehensive Support: Our British team is available 24/7 to support you throughout the process and answer any queries.

If you find yourself locked out of your car or have lost your keys, here’s how we can help:

Immediate Contact: Reach out to us as soon as you realize the situation. We’re here to respond quickly, aiming to be with you within 40 minutes.

Locksmith Services: Our team includes skilled locksmiths who can safely unlock your vehicle without causing damage.

Key Replacement: If your keys are lost, we can assist in getting a new set made. In cases where your car uses a smart key, we have the capability to handle electronic key programming on the spot.

Security and Verification: For your security, our technicians will verify your identity and vehicle ownership before proceeding with unlocking or key replacement.

24/7 Availability: Our services are available at all times, ensuring you’re not left stranded, no matter the hour or day.

Nationwide Coverage: We provide this service across Spain, ensuring you’re covered no matter where you are.

Customer Support: Our British team is on hand to guide you through the process and address any concerns you may have.

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 (+25 years old).

Most policies in Spain cover any driver as long as over 25 years old and with a clean driving license, so any member of your family can use the car without modifying the policy.

You can drive a car in Spain if you’re aged 18 or above and have a valid driving license. Citizens from EU/EFTA countries can use a driving license from their own country.

We can insure any qualified 16-year olds on most scooters and most 18+ year olds in cars, even if they have only just passed their driving test in Spain.

Young drivers in Spain are those classified as between the ages of 16 and 25.

Yes, it is possible to insure your UK plated car with InsuranceAgents.es.

With UK plated cars you can obtain a full range of covers including third party, third party fire and theft and fully comprehensive cover.

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.

No, if you need breakdown assistance or you have a flat battery for example, this doesn’t count as a claim on your insurance.

Your no-claims bonus stays intact.

Yes, if you run out of battery, our mechanics will come to you and provide you with half an hour of battery charging, which doesn’t count as a claim. Your no-claims bonus stays in tact.

Yes, you can claim for a cracked or broken windscreen and it doesn’t affect your no-claims bonus.

The premium of car insurance is calculated based on a variety of factors, each contributing to the overall risk assessment and cost. One of the primary considerations is the type of car you own. Different models of cars carry different levels of risk, influenced by factors such as their safety records, repair costs, and likelihood of theft. The specific area where you drive your car is also taken into account, as some regions may have higher rates of accidents or theft.

Adding to these factors, insurance companies carefully evaluate the individual history of the car and its driver. A significant aspect of this is the general damage history of the specific car model.

If your car has a history of being involved in accidents or is known to have a high potential for damage, this can lead to a higher insurance premium. Similarly, your personal claims history is a critical factor. A history of frequent claims can indicate a higher risk, resulting in increased premiums. On the other hand, a record of few or no claims will lead to lower premiums, reflecting a lower risk.

Another crucial element is your payment history. Consistent and timely payments can portray you as a reliable customer, potentially leading to more favorable premium rates. In contrast, a history of late or missed payments can negatively impact your risk profile and increase your premiums.

Interestingly, in some countries, such as Spain, the age and value of the car are not the primary factors in determining the insurance premium. Instead, the emphasis is more on assessing the risk to third parties. This approach reflects a different perspective on risk assessment and insurance pricing.

Overall, the premium for car insurance is a composite of several factors: the type of car, the area of driving, selected policy extras (like roadside assistance and accident risk coverage), the car’s general damage history, the driver’s claims and payment history, and the potential risk to third parties. Understanding these factors can help you better appreciate how insurance companies calculate premiums and what influences the cost of your car insurance policy.

What documents do I need to drive in Spain and be insured with?

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