Motorbike Insurance

Motorbike Insurance Spain

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It’s Covered

Flat tyre
Damaged Headlight
Full Roadside assistance
Unlimited Medical Attention
Damage to or by animals
Replacement of Keys
Helmet replacement
No fuel

Motorbike Insurance in Spain

Motorbike Cover
For personal use or for professional use

3rd Party
3rd Party F&T
3rd Party F&T with total loss.
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What’s Included

The Protection Every Motorcyclist Needs in Spain

Riding a motorbike isn’t just about getting from point A to point B; it’s an exhilarating experience that many in Spain have come to love.

However, the thrill of the open road comes with its own set of risks such as accidents, theft, and unpredictable road conditions.

At InsuranceAgents.es, we recognise the unique challenges that motorcyclists face on Spanish roads. That’s why we offer specialised motorbike insurance plans that provide comprehensive coverage for you, your bike, and third parties.

In today’s world, motorbikes are not just a mode of transport but an investment. With the increasing costs of modern motorbikes, from daily commuters to high-performance bikes, can you afford not to be insured?

Secure your peace of mind and your investment with InsuranceAgents.es today.

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QUICK FAQs

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

For everything you need to know, read our expert guide to motorcycle insurance in Spain.

Is motorbike insurance cheaper than car insurance?

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.

What does motorcycle insurance cover?

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.
Is damage to helmet and equipment covered?

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.

Does motorcycle insurance cover theft?

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

Also, included is damage caused by attempted theft.

How old do you need to be to ride a motorbike and have insurance in Spain?

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.

Does motorcycle insurance cover other riders?

Yes, it does cover another driver, they need to be named in the policy.

Is motorcycle insurance obligatory in Spain?

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.

Can I get a no-claims bonus on my motorbike insurance?

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.

Can I get temporary motorbike insurance for tourists?

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.

What should I do if I’m involved in a motorcycle accident 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.

What documents are required to legally ride a motorcycle in Spain?

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.

How do I register a motorcycle in Spain?

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 (a professional who specialises in administrative tasks).

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    Expats’ Ultimate Guide to Motorcycle Insurance in Spain

    Dive into the exhilarating world of motorbiking across Spain’s diverse landscapes, a dream for many expats.

    From bustling cities to serene coastal paths, Spain offers an unmatched riding experience. However, this adventure brings unique challenges, particularly in understanding and securing the right motorbike insurance.

    This concise guide demystifies motorbike insurance for expats in Spain, focusing on legal requirements and peace of mind.

    Whether cruising urban roads or rural trails, you’ll find essential tips to navigate the insurance landscape confidently.

    Get ready to explore Spain safely and informed, with all your insurance questions answered here.

    What Are the Basic Requirements for Motorbike Insurance in Spain for Expats?

    Navigating motorbike insurance in Spain can be complex, especially for expats.

    The Spanish insurance landscape offers various coverages, each with its nuances, making it essential to understand what’s mandatory and what’s optional but recommended.

    Motorcycle in front of a beach in Spain

    Driver/Rider Insurance Coverage (“El Seguro del conductor”)

    The most crucial aspect of motorbike insurance in Spain is the ‘Driver Insurance Coverage’.

    This ensures that you’re protected in case of an accident. However, not all insurance companies offer the same benefits, and significant differences can exist in the services provided and the limits of these services.

    As an expat, it’s vital to look closely at these terms, as they are often hidden in the fine print.

    Roadside Assistance (“Asistencia en viaje”)

    Another key feature to consider is roadside assistance. This coverage is crucial to avoid unexpected inconveniences if your vehicle breaks down. Some providers include this as standard, while others offer it as an optional extra.

    At InsuranceAgents.es, we offer full roadside assistance as standard. It’s important to check what’s included in this coverage to ensure you’re not left stranded.

    Helmet Choice

    The type of helmet you choose can also impact your safety and insurance coverage. Different helmets offer varying levels of protection, and the choice may depend on the type of bike you ride and where you ride it.

    As an expat, understanding these differences can help in selecting the right helmet, which is not only a safety essential but could also be a requirement for your insurance coverage.

    Theft Coverage

    Given that motorcycles are more vulnerable to theft than cars, understanding the theft coverage in your insurance policy is crucial. While it may cost more, having theft coverage provides peace of mind. However, before opting for this coverage, know what aspects to consider, such as the terms and limitations of the policy.

    Legal Assistance Coverage (“Defensa Jurídica”)

    Legal assistance coverage is a standard part of most motorcycle insurance policies in Spain. However, the scope and limits of this coverage can vary. As an expat, it’s important to understand what’s included in this coverage and any exclusions or limitations.

    For more detailed information and personalised advice tailored to your specific needs as an expat in Spain, don’t hesitate to reach out to us.

    We understand the unique challenges you face and are here to help you navigate them. Find out more about your options and get a quote for your motorbike insurance today.

    Decoding the System: How does Spanish motorcycle insurance work?

    Understanding the Spanish motorbike insurance system is essential for expats to ensure they are adequately covered while enjoying the ride. Here’s an overview of how the system operates and the various types of insurance coverage available:

    How motorcycle insurance works

    Mandatory Basic Coverage:

    In Spain, the bare minimum legal requirement for motorbike insurance is the ‘Third-Party Liability’ coverage.

    This policy covers damages or injuries that you, as a rider, might cause to others, including passengers, pedestrians, and property.

    It does not cover any damage to your motorbike or personal injuries you might suffer in an accident.

    Comprehensive Coverage (Todo Riesgo):

    Comprehensive insurance, known as “seguro a todo riesgo,” provides more extensive coverage. It typically includes damages to your motorbike in case of accidents, theft, fire, and even vandalism, alongside the basic third-party liability.

    Some policies may offer additional benefits like personal accident coverage and legal assistance.

    Understanding Policy Terms:

    It’s crucial to understand the terms and conditions, including coverage limits, deductibles, and exclusions. Policies may vary significantly in what they cover and how they handle claims.

    At InsuranceAgents.es, all our policy documents are in English for your peace of mind.

    Partial Coverage (Terceros Ampliado):

    This is a middle ground between basic third-party and comprehensive insurance.

    It usually includes third-party liability along with some aspects of comprehensive coverage, like theft or fire damage, but not the full range of protections.

    Theft and Fire Coverage:

    For those not opting for comprehensive coverage, adding theft and fire coverage can be a wise choice, particularly in urban areas where these risks are higher.

    Personal Injury Protection (PIP):

    PIP is an optional coverage that can be added to your insurance policy. It covers medical expenses and, in some cases, lost wages and other damages regardless of who is at fault in an accident.

    Legal Assistance and Roadside Assistance:

    Legal assistance can be crucial in case of disputes or legal issues arising from an accident.

    Roadside assistance, on the other hand, provides services like towing, flat tire changes, and mechanical help, which can be particularly helpful for expats unfamiliar with local mechanics and repair shops. At InsuranceAgents.es we offer 24/7 assistance in English, provided by our team of British insurance experts.

    Specialised Policies for Unique Needs:

    The Spanish insurance market also offers specialised policies for different types of bikes and riders. For instance, classic motorbikes, electric bikes, and bikes used for specific purposes like motocross or enduro have tailored insurance options.

    For expatriates in Spain, navigating motorbike insurance involves understanding these different types of coverages and finding a policy that aligns with their specific needs and circumstances.

    For more personalised guidance and to explore the best insurance options for your situation, feel free to reach out to us. Get detailed information and a tailored free no-obligation quote today.

    Mastering the Roads: Everything You Need to Know about  Motorbike Licensing for Expats in Spain

    Navigating the licensing system for motorbikes in Spain can seem daunting for expats, but understanding the process and requirements is essential for legally enjoying your rides.

    Photo of a motorcycle test for a license

    Here’s what you need to know:

    Types of Motorbike Licenses:

    Spain categorises motorbike licenses based on the bike’s power and the rider’s age. The key categories are:

    AM License: For mopeds up to 50cc, available from the age of 15.

    A1 License: For motorcycles up to 125cc and a power of 11kW, available from the age of 16.

    A2 License: For motorcycles up to 35kW, available from the age of 18 and often requiring two years of experience with an A1 license.

    A License: For all types of motorcycles, available after holding an A2 license for two years and being at least 20 years old.

    License Conversion for Expats:

    If you’re an expat with a motorcycle license from your home country, you might be able to convert it to a Spanish license, depending on bilateral agreements between Spain and your country.

    This process typically involves some administrative steps and possibly a few tests. For the UK visit the Spanish Traffic Website – The DGT

    Tests and Training:

    Your content goes here. Edit or remove this text inline or in the module Content Obtaining a new motorbike license in Spain generally involves passing a theoretical exam and one or more practical exams.

    The exact requirements vary depending on the license category.

    Most expats find enrolling in a local driving school helpful for preparing for these exams.

    Language Considerations:

    Obtaining a new motorbike license in Spain generally involves passing a theoretical exam and one or more practical exams.

    The exact requirements vary depending on the license category. Most expats find enrolling in a local driving school helpful for preparing for these exams.

    Residency and Licensing:

    You must be a legal resident in Spain to apply for a Spanish motorbike license.

    This means you should have your residency paperwork, such as the NIE (Número de Identificación de Extranjero), in order before applying.

    Insurance and Licensing:

    It’s important to note that having a valid motorbike license is crucial for your insurance to be valid.

    Driving without a valid license can lead to your insurance being void in the event of an accident.

    International Licenses and Tourists:

    Tourists or short-term visitors can generally use their home country’s license along with an International Driving Permit (IDP) for limited periods (Currently 90 days, but you should check with the DGT (Spanish Traffic Authority).

    Keeping Up with Regulations:

    Regulations can change, and there might be regional variations. It’s advisable to check the latest requirements from the Dirección General de Tráfico (DGT), Spain’s traffic authority, or consult with a local driving school.

    For expats in Spain, understanding and complying with these licensing requirements is not only a legal necessity but also a key part of ensuring a safe and enjoyable motorbiking experience.

    How Do I Choose the Right Insurance Provider as an Expat?

    For expats in Spain, choosing the right motorbike insurance provider is not just about finding the best price but also about ensuring you have a provider that understands your unique needs.

    Photo of an insurance policy

    Here’s a guide to help you make an informed choice:

    Language and Communication:

    As an expat, it’s crucial to find an insurance provider that offers services in a language you’re comfortable with.

    InsuranceAgents.es stands out in this regard, we have a fully qualified British team of insurance experts who can assist you in English, ensuring clear and effective communication.

    Understanding of Expat Needs:

    Choose a provider with experience in catering to the expat community. Providers like InsuranceAgents.es are familiar with the specific challenges and requirements that expats face and can offer tailored advice and solutions.

    Comprehensive Coverage Options:

    Look for a provider offering a range of coverage options. Whether you need basic third-party liability or comprehensive coverage, it’s important to have a choice that aligns with your needs.

    Additional options like personal injury protection or legal assistance can also be valuable.

    Reputation and Reliability:

    Research the provider’s reputation in the market. Read reviews and testimonials from other expats to gauge the provider’s reliability and customer service quality.

    What our customers are saying….

    Excellent
    Based on 48 reviews
    Dee Warren
    Dee Warren
    2023-02-25
    Renewed my motor insurance at a great price. Everyone so friendly and helpful. Can give advice on all of your questions relating to Spanish living. So glad i found Miguel and his staff.
    Melisa Soler Murphy
    Melisa Soler Murphy
    2022-12-07
    Excellent customer service!!
    GIL BAGNALL
    GIL BAGNALL
    2022-10-21
    Good english speaking insurance agents. Friendly helpful staff
    Robert “Bobby” Foster
    Robert “Bobby” Foster
    2022-09-07
    Very helpful staff here, not just insurance lots of advice on many subjects, residency, driving licence etc.
    jan thuresson
    jan thuresson
    2022-05-14
    We had a case for the first time. Everything worked perfectly. Quick response and case solved in less then a week. Thank you 👍
    Paul Wallwork
    Paul Wallwork
    2021-07-26
    Great helpful and friendly staff good service and advice 👍
    Bill Harper
    Bill Harper
    2021-03-29
    Top class service. Nothing too much trouble and great quotes. Thanks all
    Randolf van Vugt
    Randolf van Vugt
    2020-08-01
    Perfect service, quick response by phone and mail, accurate informations, friendly and precise. A real oasis of service and reliability in a country where this is really exceptional. Thanks for your kind support!

    Ease of Claims Process:

    The ease with which you can file a claim and the support provided during the claims process is critical. At InsuranceAgents.es, we provide a straightforward, expat-friendly claims process with a single telephone number in case of emergencies.

    No complicated telephone maze here, which can save you a lot of stress in times of need.

    Flexibility and Personalization:

    Each expat’s situation is unique, so it’s beneficial to choose a provider that offers flexible and personalised insurance solutions.

    Providers like InsuranceAgents.es understand this and can tailor policies to suit your individual circumstances.

    Assistance Beyond Insurance:

    Some providers offer additional support services, such as assistance with navigating the local legal and healthcare systems, which can be incredibly beneficial for expats.

    Price vs. Value:

    While price is a factor, it should not be the only consideration. Evaluate the value offered by the policy in terms of coverage, service, and support, especially in an expat context.

    Accessibility and Support:

    Consider the provider’s accessibility, including customer service hours, availability of online services, and the presence of physical offices or representatives in your area.

    InsuranceAgents.es, with its team of British insurance experts, is dedicated to helping expats navigate the complexities of motorbike insurance in Spain.

    With our expertise and understanding of both the local insurance landscape and the specific needs of expats, we can provide you with personalised advice and solutions.

    What Are the Legal Riding Requirements for Expats in Spain?

    For expats looking to enjoy the thrill of motorbiking in Spain, it’s crucial to be aware of and comply with the country’s legal riding requirements.

    Photo of a motorcyclist pulled over on the side of the road

    Understanding these rules not only ensures your safety but also helps avoid legal complications. Here are the key legalities to keep in mind:

    Helmet Laws:

    In Spain, wearing a helmet is mandatory for all motorbike riders and passengers, regardless of the type of bike or the road being travelled. This rule applies to everyone without exception and is strictly enforced.

    Ensure your helmet meets EU safety standards and is properly fastened while riding.

    Age Restrictions:

    The minimum age for riding a motorbike varies depending on the motorbike’s engine capacity. For mopeds (50cc or less), the legal age is 15 years.

    For motorbikes up to 125cc, one must be at least 16 years old.

    Larger bikes require the rider to be older, with specific licenses and possibly additional experience requirements.

    Passenger Rules:

    Passengers are allowed on motorbikes provided the bike is designed for two persons. However, children under 7 years old are not permitted to ride as passengers unless they are with their parents or an authorised adult, and appropriate safety measures are taken.

    License and Registration:

    A valid driving license appropriate for the motorbike’s category is a must. Expats can use their home country’s license along with an International Driving Permit (IDP) for a limited period before they are required to obtain a Spanish license.

    Ensure your motorbike is properly registered and has a valid ITV (Inspección Técnica de Vehículos), which is similar to an MOT in the UK.

    Insurance Requirements:

    Carrying at least basic third-party liability insurance is mandatory for all motorbikes in Spain. Riding without insurance can result in hefty fines and legal issues.

    Road Rules and Etiquette:

    Familiarise yourself with local traffic laws and road etiquette. This includes speed limits, rules about lane splitting, and parking regulations.

    Safety Gear and Clothing:

    While not legally mandated, wearing protective gear such as gloves, appropriate footwear, and a protective jacket is highly recommended for safety.

    Visibility and Lighting:

    Motorbikes must always have their headlights on, even during the day, to improve visibility. Reflective clothing or stickers can also enhance safety, especially at night.

    Alcohol and Riding:

    Spain has strict drink-driving laws, and the allowed alcohol limits are lower than in many other countries. It’s best to avoid drinking altogether when planning to ride.

    For expats in Spain, adhering to these legal riding requirements is crucial for a safe and enjoyable motorbiking experience.

    If you need further information or specific advice related to motorbike insurance and legal riding requirements in Spain, the team of experts at InsuranceAgents.es is here to assist.

    Conclusion: Expat Guide to Motorbike Insurance in Spain: Key Tips

    As we conclude our guide “Riding the Spanish Roads: A Motorbike Insurance Guide for Expats,” it’s clear that the journey of navigating motorbike insurance and legalities in Spain as an expat involves several key considerations.

    From understanding the basic insurance requirements and choosing the right insurance provider, to complying with legal riding obligations and obtaining the appropriate license, each step is crucial for a safe and enjoyable riding experience in Spain.

    Key Takeaways:

    Insurance Knowledge is Essential: Familiarise yourself with different types of motorbike insurance available in Spain and what they cover.

    Choose the Right Provider: Look for a provider like InsuranceAgents.es, which offers services in English and understands the unique needs of expats.

    Comply with Legal Requirements: Adhere to Spain’s motorbike laws, including helmet usage, age restrictions, and appropriate licensing.

    Safety and Compliance Go Hand-in-Hand: Always prioritise safety by wearing proper gear and following road rules.

    Remember, while general guidance is helpful, each expat’s situation is unique, and personalised advice can make a significant difference. Whether you’re a new rider or an experienced motorcyclist, understanding your specific needs and ensuring you have the right coverage is paramount.

    Next Steps:

    If you’re looking for tailored advice or specific information about motorbike insurance in Spain, the experts at InsuranceAgents.es are here to help. With a fully qualified British team, we offer direct, comprehensive support in English, making the process straightforward and stress-free for you.

    Don’t hesitate to reach out for personalised insurance solutions that cater to your individual needs as an expat in Spain.

    Get started and learn more about your options, or get a tailored motorbike insurance quote. Ride safely and confidently, knowing you’re well-protected and supported every step of the way.

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