Comprehensive Car Insurance in Spain (Todo Riesgo) – 247 Expat Insurance
Introduction
If your car is new, financed, leased, or simply your daily essential, Comprehensive car insurance (known in Spain as Todo Riesgo) is the gold standard. It protects your own vehicle as well as damage to others — including accidents where you’re at fault. For expats, it removes the “what if?” stress: parking knocks, storm damage, hit-and-run, even single-vehicle incidents.
At 247 Expat Insurance, we explain Todo Riesgo in plain English, tailor cover to your lifestyle, and beat renewal quotes year after year.
👉 Related reads: Car Insurance Costs in Spain – What Expats Should Expect · Steps to Switch Your Spanish Car Insurance and Save Money
Why Choose 247 Expat Insurance for Comprehensive Cover
We’re not just pushing “fully comp” — we build the right, expat-friendly policy for how you actually drive.
- English support, 7 days – no language barrier, no fine-print traps.Exclusive expat discounts – up to 60% no-claims bonus already negotiated into every policy.
- Expat-friendly policies – tailored for foreign licences, additional drivers, and expat circumstances.
- Roadside assistance options from Km 0 – add Spain-only or European assistance.
- Payment flexibility – annual, quarterly, or monthly (when available).
👉 See also: Roadside Assistance in Spain – Add It to Any Policy
What “Comprehensive / Todo Riesgo” Actually Covers
Comprehensive in Spain is designed to cover your own car — not just third parties. The exact wording varies by insurer, but high-quality Todo Riesgo typically includes:
- Own-vehicle damage – even if the accident is your fault.
- Vandalism & hit-and-run – keying, broken mirrors, damage while parked.
- Glass (lunas) – windscreens, side and rear windows (often zero excess at approved networks).
- Fire & Theft Protection – including attempted theft damage.
- Accessories – factory-fitted equipment typically included; after-market items may need to be declared.
- Legal defence & claims management– when disputes arise.
Note: Excess (franquicia) options are common with Todo Riesgo and can significantly lower premiums. We’ll help you find the right balance.
👉 Related reads: Optional Extras in Spanish Car Insurance – What’s Worth It · The Hidden Costs of Car Insurance in Spain
Optional Add-Ons to Max Out Protection
-
Weather & natural events:
– hail, flooding, fallen branches, storm debris. -
Animal collisions:
– wild boar/deer in rural regions, for example. -
Accessories:
– factory-fitted equipment typically included; after-market items may need to be declared. -
Courtesy car:
– Courtesy car provided during repairs of your car after an accident. -
Legal defence upgrade:
- higher limits, multilingual claims support. -
Personal accident cover:
- cover the driver & occupants. -
Coche x Coche:
– guaranteed replacement vehicle after a total loss/write-off (ideal for financed/leased cars).
Who This Is Perfect For
Fully Comprehensive Car Insurance is normally reccomended for:
- New or nearly new cars – protect your investment from day one.
- Financed/leased vehicles – often required by your finance/lease company.
- Family cars – school runs, shared driving, urban risks.
- High-value vehicles – coverage aligned with real-world repair costs.
- Daily commuters & city parking – higher exposure to knocks, scrapes, and fender-benders.
👉 Related reads: Car Insurance for Families in Spain · Leased & Financed Cars – What Insurance Do You Need?
Roadside Assistance from Km 0 even At home
Breakdowns happen — even on your driveway. Add asistencia en carretera to your Comprehensive policy:
- Km 0 coverage – help at home or on the road
- On-the-spot repairs – typically up to €120 (parts excluded)
- Tyres, fuel, keys – sorted
- Towing – to your chosen garage within policy limits
- Rescue – if your car leaves the road (usually up to €350)
- Passenger care – repatriation, hotel nights if stranded
- EU cover – we cover your trips to Spain, and all other countries of the European Union and in countries that are part of the Green Card scheme.
👉 Read: Roadside Assistance in Spain – Is it included with My Car Insurance?
No-Claims Bonus & Expat Discounts
Your safe driving record should slash your premium. With 247 Expat Insurance, you can access negotiated discounts up to 60% on all policies — without running in circles to prove history from Spain or abroad.
Many insurers force expats to chase certificates and penalise them if they can’t. We’ve simplified the process so you don’t miss out on savings. Pair it with the right franquicia (excess) and you’ll get top-tier protection at a sane price.
👉 Guide: Expat Car Insurance Discounts & No-Claims Explained
Third-Party vs Third-Party Plus vs Comprehensive
Fully comprehensive insurance provides the highest level of protection, covering both third parties and your own vehicle. While details vary by insurer, it usually includes accidental damage, theft, fire, and a wide range of additional benefits.
| Cover Type | Liability to Others | Glass | Fire | Theft | Accidental Damage to Own Car | Roadside Assistance |
|---|---|---|---|---|---|---|
| Third-Party | ✅ | ❌ | ❌ | ❌ | ❌ | ✅ |
| Third-Party Plus | ✅ | ✅ | ✅ | 🔵 | ❌ | ✅ |
| Comprehensive | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ |
This makes fully comprehensive the premium choice for expats: maximum protection for you and your vehicle, with the widest safety net available on the Spanish market.
🔵 Indicates optional cover — not included in all policies. Please contact us for more information.
Who We Work With
At 247 Expat Insurance, our clients span every corner of expat life in Spain. We tailor cover for:
-
Retirees living in Spain:
Low mileage, simple, affordable, worry-free protection. -
Families:
Comprehensive on financed/shared cars so everyone’s protected. -
Digital nomads in Spain:
Flexible cover, EU driving, admin handled in English -
Non-Lucrative Visa residents:
Demonstrate stability with the right insurances in place. -
Holiday home owners:
Who keep a car at their Spanish property and want reliable cover whenever they visit. -
Visiting relatives:
As long as they meet the rules (28+ with 2 years’ experience, or 25–28 with an NIE).
⚠️ We insure Spanish-registered vehicles only.
👉 Related reads: Car Insurance for Visiting Family Members in Spain · Car Insurance for Retirees in Spain · Digital Nomads – What You Should Know
How to Get Started:
Get a Car Insurance Quote
FAQs – Car Insurance for Expats in Spain
What’s the difference between Comprehensive and Extended Third-Party?
Extended Third-Party covers theft, fire, and glass, but not your own accidental damage. Comprehensive (Todo Riesgo) does cover your own vehicle, even when you’re at fault — plus weather, vandalism, and many single-vehicle incidents.
Is Comprehensive required for financed or leased cars?
Almost always yes. Lenders/lessors typically demand Todo Riesgo (and often recommend Coche x Coche to neutralise depreciation risk).
Can I add roadside assistance to Comprehensive Car Insurance?
Yes. Most Comprehensive policies include roadside assistance from km 0 in Spain as standard, with the option to extend cover across Europe and into green card countries. Always check the details of your individual policy.
How does the excess (franquicia) work?
It’s the amount you pay toward your own-damage claim. Higher franquicia = lower premium. We’ll model options (e.g., €200 / €300 / €600) to nail the best value for how you drive.
Can I get a discount without proving my UK/EU no-claims?
With 247 Expat Insurance, yes — we’ve negotiated up to 60% discounts so expats aren’t penalised for documentation gaps.
Are under-28 drivers allowed on Comprehensive?
Policies generally accept 28+ with 2+ years’ experience. Ages 25–28 can be added with an NIE (subject to underwriting). Under-25s are rarely accepted.
Does Comprehensive include glass with zero excess?
Often yes if you use an approved glass network. We’ll confirm specifics on your quote.
Am I covered for driving abroad?
Yes, Comprehensive usually includes EU cover, often with roadside assistance in Europe and green card countries. However, benefits and limits differ by insurer. Always confirm before you travel.
Can I pay monthly?
In many cases yes (or quarterly), depending on premium size. Annual is usually cheaper because instalments include fees.
How do I switch to Comprehensive mid-way through a year?
A car insurance policy in Spain normally runs for 12 months. You can cancel with at least 30 days’ notice before the end of the policy term. Mid-term changes may be possible but must always be approved by the insurer. Speak to us and we’ll check your options.
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⚠️ Important 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.