We’re pleased to announce that 247 Expat Insurance has added motorbike cover to our Spanish product range. From today, English-speaking residents across Spain — whether you ride a 125cc commuter, a sports tourer, a classic restoration project or a full-dress adventure bike — can arrange Spanish motorbike insurance through us, with the same broker-led service our health, car and home clients already use.
The launch responds to consistent demand from our existing book. Expats who first came to us for health or car cover have been asking for a bike policy that handled the Spanish paperwork in English, paid claims locally and didn’t require a working command of insurance Spanish to set up. That product now exists.
Who the new policy is for
The cover has been designed around the rider profiles we see most often in our enquiries:
- Costa del Sol commuters. Riders moving between Marbella, Fuengirola, Benalmádena and Málaga who use a scooter or middleweight bike for the daily run. The AP-7 corridor, the back roads behind Mijas and the school-run traffic in Estepona all push commuters towards two wheels — and towards needing year-round, fully Spanish-registered cover.
- Costa Blanca riders. Owners along the Alicante — Calpe — Jávea — Dénia stretch who use bikes for both errands and weekend riding into the Jalón Valley and the Sierra de Bernia. We see a high proportion of midweight naked and adventure bikes in this region.
- Tourers. Riders covering serious distances — Picos de Europa, the Pyrenees, the Ruta de los Pueblos Blancos — on adventure, sports-touring and large-capacity machines. Cover needs to extend across Europe for the long summer trips.
- Classic and collector owners. Pre-1990 bikes, restored Bultacos, Montesas, old BMW airheads and British classics shipped over for the climate. These need agreed-value cover and an insurer that understands the bike isn’t a commuter.
- Second-bike households. Many of our existing car-insurance clients also own a bike that sits in the garage from November to March. We can structure cover around seasonal use without penalising the months it isn’t ridden.
The cover types available
The new product is offered across the three standard Spanish tiers, with optional extras layered on top so riders only pay for what they actually need.
Third-party (terceros)
The legal minimum required to ride on Spanish roads. Covers injury and property damage you cause to others. Appropriate for older bikes with low market value, or where the bike is a secondary vehicle and the cost of comprehensive isn’t justified by the replacement value.
Third-party plus theft (terceros ampliado con robo)
The most popular tier among our enquiries to date. Adds theft cover — whole-bike theft, attempted theft damage and, depending on policy, fire — on top of the third-party base. A sensible middle ground for bikes parked in shared garages, apartment blocks or unsecured driveways, which describes most of the Costa del Sol and Costa Blanca.
Comprehensive (todo riesgo)
Full cover including damage to your own bike from accidents you cause, plus theft, fire and (depending on tier) glass and personal effects. Available with or without excess; the no-excess variant carries a higher premium but is popular with newer or higher-value machines. Comprehensive is also where agreed-value cover for classics is arranged.
Accessories cover
Available as an optional add-on across all tiers. Covers fitted luggage, sat-nav, intercoms, heated grips, aftermarket exhausts, crash bars and bodywork — the kit that tourers and adventure riders typically add to a stock bike and which standard motorbike policies tend to ignore. Limits are agreed at quote stage, so you don’t discover at claim time that your panniers were excluded.
Spanish and English claims support
The single feature we’re proudest of in this launch is the claims arrangement. Bike claims in Spain involve a particular sequence: Guardia Civil or local police at the scene, parte amistoso paperwork if another vehicle is involved, a peritaje (assessor inspection) at an approved taller, and the back-and-forth between the assessor and the insurer’s claims team. Done in Spanish at speed, after a roadside accident, it’s stressful even for fluent riders.
Our motorbike claims line is staffed by bilingual handlers. You can report a claim in English; we translate, lodge and chase in Spanish on your behalf, and you receive updates in plain English at each stage. The local insurer underwriting the policy uses its own Spanish-speaking network of assessors and approved repair shops, so claim payments and repairs happen at full Spanish speed — you just don’t have to handle the Spanish yourself.
What you need to get a quote
The quote process needs the standard set: your Spanish driving licence or your foreign licence with TIE, the vehicle’s permiso de circulación and ficha técnica, your address, your no-claims history (if you have a letter of experience from a previous insurer in any country, bring it — it transfers), and the bike’s market value if you want comprehensive cover. For classics we’ll also ask for photographs and any restoration documentation to support agreed-value pricing.
Quotes are typically returned within one working day. Cover can be bound the same day once you accept terms, with the green card and policy documents issued by email.
Ready to insure your bike with English-speaking support?
Full details on cover tiers, or get a tailored quote for your machine.
Motorbike cover joins our existing Spanish car, home, holiday-let, health and travel ranges. Existing clients who would like to add a bike policy to their account can contact their usual broker directly — no new account paperwork is needed.
This article is a product announcement based on policy terms current at the date of publication. Cover tiers, optional extras, limits and exclusions are governed by the insurer’s policy wording, which is provided in full before any policy is bound. Acceptance is subject to underwriting. Premiums depend on the rider, the bike, the postcode, the use and the claims history. Always read the policy schedule and the conditions generales before relying on any cover.