Car Insurance

Car Insurance Spain: Coverage Details & Benefits

What’s Included

24/7 Roadside Assistance

Includes on-the-spot repairs, flat tyre replacement, and towing to a garage of your choice.

24/7 Home Start

Yes, that’s right, if your car won’t start then our mechanics will be there to help.

Locksmith Services

Assistance if keys are lost or locked inside the vehicle.

No Fuel, No Battery, No Problem

At, we’ve got you covered, our mechanics will bring you fuel or recharge your electric vehicle.

Ultra-Fast 40-Minute Rescue Service

Efficient 40-minute roadside and home-start sssistance 24/7 365 days a year.


The right price

We offer full NCB from the start. We will find the best price and offer you full price listing so you choose

Car Insurance Spain

Courtesy car

if you are without your car for any reason, even normal repairs that take more than 7 days, we will provide a substitute vehicle. We will even send a taxi to your house to take you to where the courtesy car is available for you

With everything in English, we’ve got you covered


Experience unparalleled convenience with our car insurance—where every document, every interaction, and support is provided by British experts, all in clear English.

Car Insurance Spain: Call Now for an Instant Quote

Knowledge of what needs to be done

With more than 10 years’ experience when you call us, we know the exact procedure needed to get the work done.

Whether it’s an accident, a question concerning the appropriate cover, get a mechanic to where you have broken down, process a courtesy car for you or any other situation. No language barrier here

Best network of authorised garages

After an accident we can take your car to a garage of your choice or repairs can be done at one of thousands of authorised garages in Spain.

Guaranteed work done and valet the vehicle when finished


Roadside assistance 365 days a year

Whenever you need us, we will be there to help and guide you

Extreme weather

Damage due to extreme weather conditions, such as floods or earthquakes, are fully covered for Third Party as well as Fully Comprehensive insurance

Car Insurance Spain: What’s Included?

Car insurance Spain protection 24h

Roadside assistance & breakdown recovery

The Protection you need most

If you breakdown you need a car insurance that will immediately respond to your call

The best service

Our English staff will talk with you and quickly get help to you

Trained mechanics

They can change a tire for you if that’s what is needed

Replace a battery or start your engine

Take your vehicle to a garage of your choice

Quick charge your electric car battery

Car Insurance Spain: Call Now for an Instant Quote


If you can’t find the answer here to your question about car insurance in Spain, then our British team of insurance experts are here to help. Feel free to call us on (+34) 601 909 272. Or you can send us a message here

What happens if I have a breakdown?

If you find yourself in a breakdown situation, here’s how we ensure your peace of mind with our comprehensive service:

Immediate Response: As soon as you call us, our dedicated response team is alerted and dispatched to your location with a target arrival time of 40 minutes.

On-Site Assessment and Repair: Upon arrival, our skilled mechanics will quickly assess the issue. We strive to fix common problems such as flat tires, battery issues, or minor mechanical faults right there on the spot.

Towing Service: If your vehicle requires more extensive repairs, we’ll tow it to the nearest approved garage for further servicing.

Alternative Transport Solutions: In cases where your vehicle needs to be taken to a garage, we’ll assist in arranging alternative transportation to minimize your inconvenience, ensuring you can continue your journey without major disruptions.

24/7 Availability: Our services are available around the clock, every day of the year, because we understand that vehicle breakdowns don’t stick to a schedule.

Nationwide Coverage: No matter where you are in Spain, our network ensures that you’re covered across the country.

Customer Support: Throughout the process, our British customer support team will be available for any queries or additional assistance you might need.

Our goal is to provide not just roadside assistance, but a seamless, stress-free experience that gets you back on the road as quickly and safely as possible.

What do I do if I can't start my car?

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.

What should I do if I lose my car keys or lock them inside my car?

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.

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 (+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.

Who can drive my car in Spain?

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.

Can a 16 year old insure a car?

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.

Can you insure a UK registered car in Spain?

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

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

Can I pay car insurance monthly 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.

If I use the breakdown assistance, does that count as a claim?

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.

Is emergency charging included for my electric car?

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.

I have a cracked or broken windscreen, can I claim on my insurance?

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

How is the premium of a car insurance determined?

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?
  1. Valid Driver’s License: Carry a driver’s license from your country or an International Driving Permit if it’s not in Spanish or a recognized language.

  2. Proof of Identity: Always have your passport or national identity card (DNI).

  3. Vehicle Registration Document: Known as “Permiso de Circulación,” this document proves ownership or authorized use of the vehicle.

  4. Proof of Insurance: Ensure coverage for third-party liability and, optionally, comprehensive coverage. This can be physical or digital.

  5. ITV (Inspección Técnica de Vehículos) Certificate: Confirms the vehicle’s roadworthiness, safety, and emissions standards compliance. Required for older vehicles.

  6. European Accident Statement: Advisable to carry for documenting information in case of an accident.

  7. Taxation Compliance: Ensure the vehicle is properly taxed, confirming its registration and legality for road use.

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