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Expat Car Insurance Discounts in Spain | No-Claims Bonus Explained
Guide: Expat Car Insurance Discounts & No-Claims Explained
One of the biggest frustrations for expats moving to Spain is discovering that their hard-earned no-claims bonus doesn’t automatically transfer. In the UK, Ireland, or other countries, safe drivers expect their discount to carry across. But in Spain, insurers often demand official certificates — and without them, expats are hit with higher premiums.
At 247 Expat Insurance, we take a different approach. We’ve negotiated exclusive expat discounts of up to 60%, applied directly to your car insurance policy — even if you don’t have proof of your no-claims history. This means you still benefit from the savings your safe driving deserves.
👉 Related: Third-Party Car Insurance in Spain
👉 Related: Comprehensive Car Insurance in Spain
How Do No-Claims Discounts Work in Spain?
Spanish insurers do recognise safe driving, but the process is more rigid than in other countries. They usually ask for:
- An official no-claims certificate from your old insurer.
- A recent renewal notice showing your bonus.
- Proof of continuous cover.
If you don’t have this paperwork, many Spanish insurers simply treat you as if you’ve never driven before. That means higher premiums, especially for expats.
Can Expats Transfer Their No-Claims Bonus to Spain?
Yes — but not every insurer makes it easy. Many large insurers in Spain (like Mapfre, Línea Directa, or Caser) insist on an official certificate from your previous insurer. If you can’t provide it, they’ll often charge you more.
At 247 Expat Insurance, we’ve negotiated special terms for expats. This means we can apply discounts of up to 60% on your policy, even if your no-claims proof is limited or hard to obtain.
👉 Blog: Expat Car Insurance Discounts & No-Claims Explained
How Much Can Expats Save?
With our expat-friendly insurers, savings of 30–60% are typical. These discounts apply across:
- Third-party car insurance (seguro a terceros) – the legal minimum in Spain.
- Third-party, fire & theft – mid-level protection.
- Comprehensive insurance – full cover including your own vehicle.
Unlike many insurers who penalise expats without certificates, we ensure you get fair recognition of your driving history from day one.
👉 Guide: Third-Party vs Comprehensive Car Insurance in Spain
Who Benefits Most From Expat Discounts?
- Retirees – who often drive safely with low annual mileage.
- Holiday home owners – who keep a car in Spain but don’t drive full-time.
- New arrivals – who haven’t transferred paperwork yet.
- Long-term residents – who want clear, English-language support for renewals.
❓ FAQs About No-Claims and Discounts in Spain
Not with us. While many insurers insist on certificates, 247 Expat Insurance has special agreements that allow us to apply up to 60% discounts without paperwork.
Yes. Gaps in cover often cause problems with direct insurers, but we can still arrange discounts for expats who haven’t had continuous insurance.
Absolutely. Many expats think discounts only apply to comprehensive cover, but they reduce costs on third-party and mid-tier policies too.
Absolutely. Many expats think discounts only apply to comprehensive cover, but they reduce costs on third-party and mid-tier policies too.
Yes — but it depends on the insurer. Some Spanish insurers recognise UK history, others don’t. That’s why our broker network is so valuable.
Apply Your Discount Today
At 247 Expat Insurance, we make sure your safe driving is rewarded — with discounts of up to 60% on your car insurance in Spain. No stress, no chasing old paperwork, just clear policies explained in English.
Contact us for further iformation or for a free car insurance quote below:
General Blog Disclaimer
The information in this article is provided for general guidance and informational purposes only. It does not constitute advice, nor does it form part of any contract. Insurance products in Spain can vary significantly between insurers, with different terms, conditions, exclusions, and eligibility requirements.
Readers should always review the full policy wording and schedule before purchasing any insurance product to ensure it meets their individual needs. For personalised assistance, 247 Expat Insurance acts as an authorised intermediary and arranges cover with regulated insurers in Spain.