Car Insurance in Spain for Expats – 247 Expat Insurance
Introduction
Car insurance in Spain is mandatory, but for expats it can feel far more complicated than back home. Spanish insurers often don’t explain policies in English, renewal quotes jump each year, and rules around no-claims bonuses, visiting family, and NIE numbers are confusing.
At 247 Expat Insurance, we make the process simple. We’re open 7 days a week, we explain everything in plain English, and we specialise in policies tailored for expats. Whether you’re a retiree, family, digital nomad, or long-term resident, we’ll find the right car insurance for your needs — and make sure you never overpay at renewal.
👉 Related blog: Car Insurance Costs in Spain – What Expats Should Expect.
Why Car Insurance in Spain is Different for Expats
Every car in Spain must have at least Third-Party Liability insurance. But unlike the UK or US, Spanish insurers do not require every named driver to be declared. Depending on the individual conditions of the policy, normally drivers over the age of 28 years old, with a minimum of 2 years driving experience will be included on the policy, as long as they have permission from the policy holder to drive the vehicle.
Expats face added challenges:
- Spanish insurers often don’t automatically accept foreign no-claims bonuses.
- You’ll need an NIE or TIE to get insured.
- Visiting relatives must meet specific age and driving experience rules.
- Policies auto-renew each year unless you cancel in advance.
That’s where we help. At 247 Expat Insurance, we handle the paperwork, explain the small print in your language, and make sure your expat circumstances are covered correctly.
👉 Related blog: Documents Expats Need for Car Insurance in Spain.
Why Choose 247 Expat Insurance
When it comes to expat car insurance in Spain, you don’t just need a cheap quote — you need a policy that works for your lifestyle and budget. With us, you get:
- ✅ English-speaking support – no language barriers.
- ✅ Exclusive expat discounts – up to 60% no-claims bonus already negotiated into every policy.
- ✅ Roadside assistance options – from km 0, even outside your home.
- ✅ Expat-friendly expertise – we know NIE/TIE requirements and no-claims transfers.
- ✅ Open 7 days a week – help whenever you need it.
Types of Car Insurance in Spain
Choosing the right policy depends on your car, lifestyle, and budget.
Roadside Assistance from km 0
Breakdowns don’t wait for the motorway — they can happen right outside your home. That’s why many of our policies include roadside assistance from the very first kilometre.
This can cover:
- Tow truck to your chosen garage.On-the-spot repairs up to €120 (parts excluded).
- Help with flat tyres, lost keys, or running out of fuel.
- Rescue if your car leaves the road.
- Repatriation or hotel accommodation if stranded.
👉 Related blog: Roadside Assistance in Spain
How Car Insurance Renewals Work in Spain
Spanish car insurance policies automatically renew unless cancelled. By law, you must give at least 30 days’ notice to stop a renewal. Many expats miss this and end up stuck paying inflated premiums.
We aim to beat your renewal quotes — often saving expats more compared to other insurers. We can help with cancellation notices for you, compare options, and secure better deals without the hassle.
No-Claims Bonus for Car Insurance in Spain
Your safe driving record should save you money in Spain. With 247 Expat Insurance, you can benefit from exclusive negotiated discounts of up to 60% no-claims bonus on all policies — without the hassle of proving your history from Spain or any other country.
Many insurers make you provide official certificates (and pay more if you can’t). We’ve simplified the process so expats don’t miss out on savings. Our policies are extremely competitively priced, designed to help you keep more money in your pocket while staying fully covered.
Who We Insure
At 247 Expat Insurance, our clients come from all walks of expat life in Spain. We provide cover tailored to:
-
Retirees living in Spain:
Often driving occasionally, but wanting simple, affordable, worry-free protection. -
Families:
needing Comprehensive cover for financed or shared cars, with the peace of mind that everyone’s protected. -
Digital nomads in Spain:
Remote workers who need flexible car insurance that fits their lifestyle. -
Non-Lucrative Visa residents:
Who must show stability and security in Spain, including the right insurance. -
Holiday home owners:
Who keep a car at their Spanish property and want reliable cover whenever they visit. -
Visiting relatives:
As long as they meet the rules (28+ with 2 years’ experience, or 25–28 with an NIE).
👉 Related blog: Car Insurance for Visiting Family Members in Spain.
⚠️ Please note: We only insure Spanish-registered vehicles.
How to Get Started:
Get a Car Insurance Quote
FAQs – Car Insurance in Spain for Expats
How much is car insurance in Spain for expats?
Between €200 and €1,200 per year, depending on the cover, car, and your driving history.
Can I insure a Foreign-plated car in Spain?
No. Cars must be re-registered in Spain before taking out insurance.
What documents do I need?
NIE or TIE, valid driving licence (UK, EU, or Spanish), vehicle registration papers, and proof of address.
Does my policy include roadside assistance?
Yes, but check your policy level. It can be added to any cover type.
Can I transfer my no-claims bonus?
With 247 Expat Insurance you don’t need to provide proof from Spain or abroad — we’ve already negotiated discounts of up to 60% no-claims bonus on all policies.
Can under-28s be insured?
Most insurers require drivers to be 28+ with 2+ years’ experience, or 25–28 with an NIE. Under-25s are rarely accepted.
Is my insurance valid in Portugal or France?
Yes, if you add European cover. Always check your policy extras.
What happens if I let my policy auto-renew?
You may pay inflated premiums. Always compare renewal quotes.
Do I need insurance if my car is in storage?
Yes. Spanish law requires all registered vehicles to have at least Third-Party cover, even if unused.
Can I pay monthly?
Yes, we offer monthly or quarterly instalments depending on premium size, but annual payment is cheaper as instalments often include fees.
Explore More Insurance Options for Expats in Spain
Beyond car insurance, we offer a range of coverage options tailored for expats, including health, home, travel, and life insurance. Browse our plans below and find the protection you need for a worry-free life in Spain.
Dental Insurance
⚠️ Important Disclaimer:
The information on this page is provided for general guidance only and does not form part of any contract. Car insurance policies in Spain vary by insurer and may include specific conditions regarding drivers, vehicle use, excess (franquicia), and territorial limits. Please read your full policy wording and schedule carefully to understand the terms, conditions, and exclusions before contracting. 247 Expat Insurance acts as an authorised intermediary and arranges cover with regulated insurers.