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Steps to Switch Your Spanish Car Insurance and Save Money (2025 Expat Guide)
How to Switch Car Insurance in Spain – Save Money in 2025
Introduction – Why Switching Matters
Many expats in Spain let their car insurance auto-renew without comparing prices. Insurers often raise renewal premiums every year, hoping clients won’t notice. By switching, expats can save hundreds of euros while often getting better cover in English.
At 247 Expat Insurance, we specialise in renewal-beating quotes, making switching easy and stress-free.
👉 Related blog: Car Insurance Costs in Spain – What Expats Should Expect.
When Can You Switch Car Insurance in Spain?
- Spanish insurers automatically renew policies each year.
- To cancel, you must give at least 30 days’ notice before the renewal date.
- If you miss this, you may be locked in for another year.
- Exceptions: If the insurer changes terms or raises premiums unfairly, you may have grounds to cancel mid-term.
H2: Steps to Switch Your Car Insurance
Step 1 – Review Your Current Policy
Check the renewal date, cover level, and premium. Look for extras you may not need.
Step 2 – Compare New Quotes
Use a broker like 247 Expat Insurance to compare policies tailored for expats.
Step 3 – Give Notice to Your Current Insurer
Send written notice of cancellation at least 30 days before renewal. Keep proof of delivery.
Step 4 – Secure Your New Policy
Arrange your new policy so it starts immediately after your old one ends to avoid gaps in cover.
Step 5 – Confirm Cancellation
Check your old insurer has processed the cancellation and that no further payments are taken.
👉 Related blog: Car Insurance Online in Spain – Pros & Cons for Expats.
Documents You’ll Need
To switch insurers, you’ll usually need:
- NIE or TIE card.
- Driving licence (UK, EU, or international recognised).
- Vehicle documents (permiso de circulación + ficha técnica).
- Current insurance policy or renewal notice.
How Much Can You Save by Switching?
Expats can often save 20–40% by switching insurers, especially if they:
- Have built up a no-claims bonus.
- Remove unnecessary extras.
- Bundle car and home insurance together.
👉 Related blog: Optional Extras in Spanish Car Insurance – What’s Worth It and What’s Not.
Common Mistakes Expats Make
Missing the 30-day cancellation deadline.
Accepting renewal quotes without comparing alternatives.
Forgetting to arrange new cover before the old policy ends.
Assuming online “cheap” insurers include roadside or English support.
👉 Related blog: The Hidden Costs of Car Insurance in Spain.
FAQs – Switching Car Insurance in Spain
1) Can I switch my car insurance at any time?
Normally only at renewal, unless your insurer changes the contract terms.
At least 30 days before renewal.
You may be tied into another year, but we can advise if special circumstances apply.
Yes, most insurers in Spain recognise no-claims history.
Yes. Expats often save 20–40% while getting better cover.
No. Insurers update the FIVA database automatically.
Yes. A broker can handle the process and ensure you meet the notice deadline.
Get Renewal-Beating Quotes Today
Switching car insurance in Spain is easier than many expats think — and it can save you hundreds each year. The key is giving notice on time and comparing quotes with a trusted broker.
At 247 Expat Insurance, we handle everything in English and guarantee renewal-beating quotes.
👉 Get Your Car Insurance Quote Today – open 7 days a week.
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.