the vehicle :
to the Spanish Road Traffic Act, the person responsible for
the vehicle, which means
well as owner, must compensate
for damages incurred by the vehicle in road accidents, and by
explosions and fire. In short : Should the vehicle not be
insured, the driver and the owner must pay. If the vehicle has
got a 3rd party insurance, claims
for compensation will be covered by this compulsory insurance.
you sold your car:
you should make sure that change of ownership is done
properly, otherwise you might end up with a claim for
compensation at a later stage.
3rd party insurance:
party insurance for a vehicle is compulsory and covers the
liability to pay compensation, which normally belongs to the
owner or user.
3rd party insurance covers injuries on people as
well as damages on things (damages on the counterpart’s
3rd party insurance also covers passengers in your
own vehicle, but not injuries on the driver of the
vehicle. Further it does not cover the driver’s or
the owner’s belongings.
insurance is voluntary, but it should be included, as it is
illegal to tow another vehicle – so should you have a bit of
bad luck, the engine has stalled or you simply run out of
petrol on a deserted road, this road assistance is a very good
and cheap solution.
is still an additional coverage, which covers the windows of
the vehicle in case of stone impacts or actual window
you not wish a full comprehensive insurance, you can choose to
cover in case of theft of the vehicle.
insurance covers any damage on the insured vehicle, including
theft. However there
are certain limitations.
full comprehensive insurance does not cover:
arising in mechanical parts, unless the damages are caused
by fire, explosion, short circuit, lightning, robbery,
theft, vandalism or under transportation by means of other
happened during treatment and repair (damages in
workshop), unless the damage is caused during a test drive
caused by rust, wear and tear, stone impacts in the
lacquer, scratches or similar.
done on purpose or by gross negligence.
caused, while the vehicle was driven by a person under the
influence of alcohol or drugs, unless it can be proven
that the driver was without any guilt in the accident.
occurred, while the vehicle was driven by a person without
a driving license, unless it can be proven that the damage
is not due to lack of driving abilities.
you sign up for vehicle insurance, a lot of companies will
give you a “solicitud” (temporary paper) with a very limited
period of validity. Try to avoid this, get the policy straight
when you sign up, your no claims bonus is transferred from
is also applicable from other countries, so if you have a no
claims bonus from another country, it will benefit you here in
that it is mandatory to keep the vehicle papers – including
your insurance policy and the last paid receipt - in the
vehicle. If you feel uncomfortable doing this,
can get the local town hall to stamp a photocopy. That is also
car insurance with us - we deal you “the best hand” …