247 Expat Insurance specialises in health insurance for people moving to or living in Spain. We no longer arrange car insurance; this page is a general information guide.
Insuring a car in Spain as a foreigner comes with questions the big Spanish insurers don't always answer clearly — foreign licences, no-claims histories from abroad, right-hand drive imports, and what happens when your UK policy expires. Our English-speaking team deal with all of it, every day.
The basics
Car insurance in Spain is mandatory for every vehicle on the road. The rules are the same for Spanish residents and foreign nationals alike — and the consequences of driving uninsured are serious. Here is what you need to know before you get behind the wheel.
Under Spanish law — specifically DGT (Dirección General de Tráfico) regulations and the Real Decreto 1507/2008 on compulsory motor insurance — every vehicle registered and driven in Spain must hold at least third-party liability insurance (seguro de responsabilidad civil obligatoria). Driving without insurance in Spain can result in fines, vehicle confiscation, and serious legal liability if you are involved in an accident.
For most expats moving to Spain, the critical moment comes when you either bring your own vehicle from your home country or buy a Spanish-registered car. In either case, you will need a Spanish car insurance policy — and arranging that through an English-speaking agent who understands your situation makes the process considerably simpler.
The process of getting insured in Spain as an expat can be complicated by several factors — a foreign driving licence, a no-claims history recorded abroad, a right-hand-drive vehicle, or simply the language barrier when dealing with Spanish insurers directly. Our team have handled all of these scenarios and can guide you through the right solution for your specific vehicle and circumstances.
From the legal minimum to fully comprehensive — we'll match you to the tier of cover that fits your car, budget, and how you drive in Spain.
Todo Riesgo — own damage, theft, fire, glass, and full third-party liability.
View coverTerceros — the legally required minimum cover for any car driven in Spain.
View coverAdds fire, theft and roadside assistance to basic liability cover.
View coverExtended cover plus windscreen and window glass — popular for older cars.
View coverYour options
Spanish car insurance comes in three main tiers. Understanding the differences will help you choose the right level of protection for your vehicle and driving habits.
The most basic and legally required level of cover. Seguro a terceros covers damage and injury you cause to other people, vehicles, and property. It does not cover damage to your own car. Cheapest option, but leaves your vehicle entirely at your own risk.
An expanded version of third-party that adds cover for specific risks to your own vehicle — typically windscreen damage, fire, theft, and roadside assistance. A good middle ground for older or lower-value vehicles where full comprehensive is not cost-effective.
The most complete protection available. Todo riesgo covers third-party liability plus accidental damage to your own vehicle, regardless of fault. Usually also includes theft, fire, windscreen, roadside assistance, and sometimes a replacement vehicle. Recommended for newer or higher-value cars.
| What it can cover | Terceros | Terceros ampliado | Todo riesgo |
|---|---|---|---|
| Damage or injury to others | Yes | Yes | Yes |
| Fire and theft | No | Often | Yes |
| Damage to your own car | No | Limited | Yes |
| Optional extras | Some | Some | Widest choice |
Exact cover always depends on the individual policy wording.
Switching a UK or EU vehicle onto Spanish plates? Spanish policies apply to Spanish-plated cars only — cover begins the day matriculación is complete.
Learn moreTodo Riesgo — own damage, theft, fire, glass, and full third-party liability.
View coverCover tailored to EVs — including charging cables, battery and home-charger risks.
Learn morePlug-in and self-charging hybrid cover with insurers familiar with hybrid drivetrain risks.
Learn moreCover while you still hold a UK licence and during the swap to a Spanish licence.
Learn moreCover for scooters and motorbikes — from city commuters to weekend tourers.
Learn moreCover on a Canadian licence, licence-exchange process and the Spanish driving test explained.
Learn moreCover on a US licence, what happens at residency, and the Spanish driving test process.
Learn moreWhat is covered
Car insurance in Spain is available across a wide range of vehicle types. Whatever you drive in Spain, our English-speaking team can find the right policy.
Spanish-registered petrol and diesel cars of all makes and models. Including foreign-brand vehicles registered in Spain.
Specialist cover for electric vehicles in Spain, including battery cover options. See our dedicated electric car insurance Spain page.
Petrol-electric and plug-in hybrid cars. Cover options for hybrid vehicles in Spain — see our hybrid car insurance page.
Motorcycle and moped insurance for expats in Spain. All engine sizes. See our motorbike insurance Spain page.
Brought your UK or other foreign car to Spain? Imported vehicles, including right-hand drive cars, can be insured in Spain. Note that RHD vehicles may need to meet Spanish ITV requirements.
Common expat questions
Two of the most common challenges for expats arranging car insurance in Spain are their foreign driving licence and the no-claims history they built up in their home country. Here is the honest picture.
British driving licences are recognised in Spain under the UK-Spain bilateral agreement, but the situation changed after Brexit. British residents in Spain should in most cases exchange their UK licence for a Spanish one — the DGT (Dirección General de Tráfico) manages this process. American and Canadian licence holders are typically required to pass a Spanish driving test to obtain a Spanish licence once they have been resident for a set period.
For insurance purposes, most Spanish insurers will accept a foreign driving licence while you are in the process of exchanging it. However, the premium may be higher than for an established Spanish licence holder, and some insurers may impose conditions.
Spain does not operate an identical no-claims bonus system to the UK, but many Spanish insurers will accept a letter or statement from your previous insurer confirming your years of claim-free driving. The degree to which this is recognised — and the discount it generates — varies between insurers. Some are more generous than others when dealing with expat clients who have a clean driving record abroad.
We can identify which insurers are most likely to acknowledge your foreign no-claims history and help you put together the right documentation. A claims-free record from abroad is genuinely worth declaring and pursuing — it can make a meaningful difference to your premium.
Watch out for these
Most foreign car insurance policies are not valid for long-term residents in Spain. Once you establish residency, you need Spanish cover. Driving on an invalid policy is uninsured driving — with all the legal and financial consequences that entails.
Foreign-registered vehicles driven by Spanish residents must be re-registered (matriculado) in Spain within a set period. Driving a foreign-plated car as a Spanish resident beyond the permitted period is an infraction — and some Spanish insurers will not insure an unregistered foreign vehicle.
Third-party only cover is the legal minimum, but it leaves your own car completely unprotected. For any vehicle of reasonable value, the difference in premium between terceros and todo riesgo may be smaller than you expect — and the protection considerably greater.
In Spain, car insurance policies typically need to list all regular drivers. Failure to disclose a driver who is involved in an accident can result in your claim being refused. Always declare everyone who will use the car regularly.
Spain's roadworthiness test — the ITV (Inspección Técnica de Vehículos) — is required for all vehicles over a certain age. Driving without a valid ITV can invalidate your insurance in the event of an accident. Check your ITV expiry date regularly. See our ITV Spain guide for full details.
Once your home-country policy lapses, getting a formal claims history letter can be difficult or impossible. Always request this document before your existing policy ends — it could save you significant money on your Spanish premium.
Importing a Car to Spain
If you're moving to Spain with a UK or foreign-registered vehicle, you'll need to import it onto Spanish plates. Whether you're arriving from the UK post-Brexit or from an EU country, the process involves an ITV test, registration tax (IEDMT), and DGT registration. Our complete guides explain every step — and they cover the car insurance you'll need throughout.
Residency rules, the 30-day and 6-month deadlines, what the process involves and how long it takes.
Post-Brexit rules, Transfer of Residence relief, customs, DVLA deregistration and headlamp requirements — step by step.
Moving from Germany, France, the Netherlands or elsewhere in the EU? No customs duty, but IEDMT and registration still apply.
ITV test, DGT registration, green plates, ficha técnica — the full Spanish registration process explained in English.
How much will it cost? IEDMT CO2 bands, customs duty, Transfer of Residence relief and worked cost examples.
Common questions
These are the questions we hear most often from expats arranging car insurance in Spain. If your question is not answered here, call or WhatsApp our team — Monday to Friday.
Yes. All vehicles driven on Spanish roads must be insured with at least third-party liability cover (seguro de responsabilidad civil), regardless of whether the car is registered in Spain or abroad. If you are a resident in Spain with a Spanish-registered vehicle, you need a Spanish car insurance policy.
UK-issued policies and international green cards may provide temporary cover but are not suitable for long-term residency. Once you become a Spanish resident, foreign policies will generally not cover you properly.
Generally, no — not for the long term. Most UK insurance policies cover you for up to 30 to 90 days driving in the EU. Since Brexit, some policies have been further restricted. If you are becoming a resident in Spain, you will need to register your car in Spain and arrange a Spanish car insurance policy.
A no-claims history can often be transferred to a new Spanish policy with the right documentation.
Car insurance in Spain can cost anywhere from around €200 to over €800 per year depending on the level of cover, the value of the vehicle, your age and driving history, and the area of Spain you live in. Third-party only (terceros) is the cheapest option; fully comprehensive (todo riesgo) is the most expensive but provides the broadest cover.
As an expat with a foreign driving licence history, your no-claims experience can sometimes be recognised, though the process varies between insurers. An accurate figure depends on the vehicle, the driver and the cover level chosen.
British driving licences are recognised in Spain, but residents should exchange their UK licence for a Spanish one through the DGT. American and Canadian licence holders are typically required to pass a Spanish driving test after a set period of residency.
For insurance purposes, most Spanish insurers will accept a foreign licence while you are in the process of exchanging it, though you should declare your licence type when getting a quote.
Terceros (third-party) is the minimum legal requirement — it covers damage you cause to other vehicles and people, but not your own car. Todo riesgo (fully comprehensive) covers your own vehicle as well, including accidental damage, theft, and fire. There is also a mid-level option — terceros ampliado — which adds extras like windscreen cover and roadside assistance.
For newer or higher-value vehicles, fully comprehensive is usually worth the extra cost. For older cars of lower value, terceros ampliado often strikes the right balance.
Some Spanish insurers accept a letter or certificate from your previous insurer confirming your claims history, which can result in a discount. Spain does not have a standardised no-claims bonus system equivalent to the UK's, so the treatment of foreign claims histories varies between insurers.
Insurers differ in how they recognise an existing claims-free record, and each will specify the documentation required. Always request a formal claims history letter from your current insurer before your policy lapses.
Regional car insurance guides covering local DGT considerations, ITV stations and expat driving patterns.
