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How to Transfer a No-Claims Bonus to Spain | Expat Car Insurance
Guide: How to Transfer a No-Claims Bonus to Spain
For many expats moving to Spain, one of the first shocks of arranging car insurance is realising that their hard-earned no-claims bonus (NCD) doesn’t automatically carry over. In the UK, Ireland, or other countries, years of claim-free driving can slash your premiums. But in Spain, insurers often demand official certificates — and if you can’t produce them, they’ll treat you like a brand-new driver.
At 247 Expat Insurance, we’ve solved this problem. We’ve negotiated special agreements with Spanish insurers so that expats can still benefit from up to 60% discounts, even without perfect no-claims paperwork.
👉 Related: Third-Party Car Insurance in Spain
👉 Related: Comprehensive Car Insurance in Spain
What Is a No-Claims Bonus?
A no-claims bonus is a reward for safe driving — the longer you go without making a claim, the bigger the discount on your premium. In the UK and other countries, this is straightforward. In Spain, however, the system is stricter, and insurers want very specific documents.
This often puts expats at a disadvantage, because while the driving record exists, the Spanish insurer doesn’t always recognise it.
Can Expats Transfer Their No-Claims Bonus to Spain?
Yes — but not every insurer makes it easy. Many large Spanish insurers (like Mapfre, Línea Directa, or Caser) require an official no-claims certificate from your old insurer. If you don’t have it, they’ll often treat you as though you have no driving history and charge you a much higher premium.
That’s where we’re different. At 247 Expat Insurance, we’ve negotiated special agreements with insurers who understand expat needs. This allows us to apply discounts of up to 60% on your policy, even if your paperwork is limited or hard to obtain.
So while the process is technically called “transferring your no-claims bonus,” what really matters is how we make sure you get the discount you deserve — without endless hassle chasing certificates.
👉 Related: Expat Car Insurance Discounts & No-Claims Explained
What Proof Do I Need?
Some insurers in Spain ask for:
- A formal no-claims certificate issued by your old insurer.
- A renewal notice showing your NCD.
- Confirmation of continuous cover.
But if you can’t provide this, don’t worry. We can still arrange significant discounts by working with insurers who accept alternative forms of proof — or none at all.
How Much Can I Save?
With our negotiated terms, safe drivers can secure up to 60% discounts on car insurance in Spain. These savings apply across:
- Third-party cover (seguro a terceros).
- Third-party, fire & theft.
- Comprehensive insurance.
Unlike going direct to big Spanish insurers, you won’t be penalised for missing paperwork.
👉 Guide: Third-Party vs Comprehensive Car Insurance in Spain
Why Expats Trust 247 Expat Insurance
- We apply discounts automatically — no endless back-and-forth for certificates.
- We explain policies in English — no jargon, no confusion.
- We arrange cover with regulated Spanish insurers.
- We work for expats — retirees, holiday home owners, digital nomads, and families.
FAQs About No-Claims Discounts in Spain
Not with us. While many insurers demand official certificates, we can apply up to 60% discounts without full paperwork.
Yes — but only if the insurer recognises it. Some Spanish insurers reject UK proof. That’s why using 247 Expat Insurance is the easiest way to make sure you still get your discount.
Yes. No-claims discounts reduce the cost of third-party policies, not just comprehensive cover.
We can still help. Even if your insurance lapsed, we work with insurers who understand expat situations.
Apply Your Discount Today
Don’t lose your hard-earned safe driving record just because you’ve moved to Spain. At 247 Expat Insurance, we make sure you benefit from up to 60% discounts — without the stress of proving every detail.
📧 info@247expatinsurance.com
📲 WhatsApp: +34 613 26 88 98
Car Insurance 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.
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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.