Expat Motorbike
Insurance Spain

Generally, motorbike insurance tends to be cheaper than car insurance here in Spain, especially for smaller motorbikes or mopeds. However, the cost can vary based on several factors such as the type of coverage, the make and model of the motorbike, your driving history, and your age.

In Spain, the lower maintenance and fuel costs of motorbikes also contribute to generally lower insurance premiums.

Motorcycle insurance in Spain typically offers various types of coverage, including:

• Third-Party Liability: Covers damages to other people and their property.
• Collision: Covers damages to your motorbike in an accident.
• Comprehensive: Covers damages from theft, vandalism, and other non-collision events.
• Personal Injury Protection: Covers medical expenses which will vary depending on the insurer, but generally Death and Injury are covered as well as medical expenses according to the amount defined in the policy.
• Roadside Assistance: This includes coverage for breakdowns and towing.

If the rider named in the policy is injured as the result of a road-traffic accident that occurred while s/he was riding the insured motorcycle, the insurer shall indemnify, up to the specified amount, any damage that may be caused to the rider’s helmet, jacket, back protector, boots and/or any other protective equipment.

As complementary cover to the Theft and fire covers, up to €120 per incident is included for the accidental breakage of the headlight or headlights that are part of the lighting system corresponding to the front dipped headlights and sidelights of the motorcycle that are an integral part of the vehicle on leaving the factory in its standard model or declared as an accessory.

No excess is applicable to the headlight cover.

Yes, if you have comprehensive coverage then theft of your motorbike is covered.

Also, included is damage caused by attempted theft.

In Spain, you must be at least 18 years old to ride a motorbike with an engine capacity over 125cc.

For smaller engine capacities (up to 125cc), the minimum age is 16. At InsuranceAgents.es, we will provide coverage based on these legal age requirements.

Yes, at a minimum, third-party liability insurance is legally required for all motorbikes in Spain.

This covers damages to other people and their property in the event of an accident.

Yes, at InsuranceAgents.es, we offer a full no-claims bonus, which can significantly reduce your premium if you have a history of safe riding without any claims.

Yes, temporary or short-term motorbike insurance is available for tourists.

These policies can range from a single day up to several months and are ideal for visitors who plan to ride a motorbike during their stay in Spain.

In the unfortunate event of a motorcycle accident in Spain, it’s important to act methodically to ensure your safety, adhere to legal requirements, and facilitate any future insurance claims:

Prioritise Safety: Immediately move to a safe area, if possible. Turn on your motorcycle’s hazard lights and wear your reflective vest, which you should always carry in Spain.

Assess Injuries: Check for injuries on yourself and others involved. For any injuries, promptly call 112 for emergency medical services.

Notify the Police: In cases of injuries, significant damage, or disputes, contact the police at 112. Their report is crucial for insurance claims and legal purposes.

Document Everything: Safely take photos of the accident scene, including vehicle damage and road conditions. Exchange contact and insurance details with other parties. Complete the European Accident Statement form and have it signed by all involved.

Contact Your Insurer: Inform your insurance company as soon as possible. Provide them with your policy details and the accident’s specifics. Our British team at InsuranceAgents.es is always ready to assist you through the claims process.

Medical Check-Up: Visit a healthcare professional for a thorough examination, even if you feel fine. Hidden injuries like concussions can be undetected initially.

Keep All Records: Organize and store all accident-related documents, including the police report, your European Accident Statement, medical documentation, and insurance correspondence.

Understand Your Coverage: Knowing your motorcycle insurance details is key. Adequate coverage can significantly ease handling the aftermath of an accident.

For more comprehensive guidance and support, especially in understanding the intricacies of motorcycle insurance in Spain, contact our expert team.

When planning to ride a motorcycle in Spain, it’s crucial to have the following documents with you at all times for legal compliance:

Valid Motorcycle License: You must have a motorcycle license valid in Spain. This can be your local license if it’s recognised in Spain, or an International Driving Permit (IDP) if your license is not in Spanish or another officially recognised European language.

Proof of Identity: Carry either your passport or a national identity card (DNI) to verify your identity.

Vehicle Registration (Permiso de Circulación): This document confirms your ownership or authorised use of the motorcycle.

Proof of Insurance: Ensure you have at least third-party liability insurance. We recommend considering comprehensive coverage for broader protection.

ITV Certificate (Inspección Técnica de Vehículos): Similar to the MOT in other countries, this is required for motorcycles over a certain age. Check the latest regulations for specifics.

European Accident Statement: Although not mandatory, this document is recommended. It’s available from your insurer and useful in case of an accident.

Important Note: Traffic laws and document requirements can change. For the most current information on motorcycle licensing and regulations in Spain, please refer to our dedicated page.

We keep our information up-to-date, ensuring you’re always prepared. Remember, safety first – always wear a helmet and the appropriate safety gear.

Registering your motorcycle in Spain involves a straightforward process. Here’s a brief overview:

Choose Your Registration Method:

Contact a recommended business agent or, reach out to the DGT (Spanish Directorate General of Traffic).

Determine the Cost:

The registration fee varies based on the motorcycle’s horsepower and model. Check the current fees to prepare the correct amount.

Gather Required Documents: 

• Certificate of Conformity (ensures your motorcycle meets Spanish standards).
• Proof of Technical Inspection (confirms safety and emissions compliance).
• Passport (for identity verification).
• Grey/Blue Card (Tarjeta de Inspección Técnica), detailing motorcycle specifics.
• Purchase Invoice (proof of ownership and value).

Submit Documents and Payment:

Present these documents, along with the necessary fee, to either a business agent or directly to the DGT.

Await Confirmation:

After submission, the registration process begins. You’ll receive confirmation and your new registration plates once complete.

Remember, proper registration is key for legally riding your motorcycle in Spain and avoiding penalties. For more detailed information or assistance,  contact the DGT or consult with a reputable gestor in Spain (a professional who specialises in administrative tasks).