The top tier of Spanish motor cover. Todo Riesgo protects everyone else on the road and your own car too — including accidental damage when the fault is yours. Built for newer, financed and high-value vehicles on Spanish plates.
DGSFP-registered · English-speaking brokers · 7 days a week · Spanish-plated cars only
Get Your Todo Riesgo Quote WhatsApp UsTodo Riesgo is the top tier of Spanish motor insurance — the equivalent of "fully comprehensive" cover in the UK. It includes everything a Terceros Ampliado (third-party plus) policy gives you, but adds the one thing the lower tiers never will: damage to your own vehicle, even when the accident is your fault. For owners of newer, financed or higher-value cars, that single feature is usually the reason to upgrade.
Underneath the badge, a Todo Riesgo policy bundles unlimited third-party liability (Responsabilidad Civil), fire, theft, glass cover, legal defence, roadside assistance and — crucially — daños propios (own-damage). You can take it with a franquicia (excess) of €300, €600 or higher to lower the premium, or with zero excess if you prefer a cleaner claim experience. We quote both so you can see the real-world difference.
This page is written for drivers with Spanish-plated cars. We do not insure UK or EU-plated vehicles — Spanish law requires the car to be matriculated in Spain before a Spanish insurer can put it on cover. If your car is still on foreign plates, the first step is the import and matriculation process, and we can point you in the right direction.
Every insurer packages Todo Riesgo slightly differently, but the core list below is what you should expect to see on a serious comprehensive quote. We'll walk through the wording with you in plain English before you commit.
Unlimited third-party liability, plus fire, theft, glass, legal defence, roadside assistance, driver injury cover and — the headline feature — accidental damage to your own car.
Pays for repairs to your vehicle after collisions, single-vehicle accidents, vandalism and most weather events, even when no third party is involved or you are the at-fault driver.
Full replacement of stolen vehicles, fire damage from any cause, and windscreen plus side-window glass repair — usually with no excess on glass-only claims.
24/7 breakdown recovery from kilometre zero on most Todo Riesgo policies — meaning you're covered from your driveway, not just after the first 25 km as on cheaper tiers.
An optional extra on most Todo Riesgo policies — a courtesy car while yours is being repaired or after a total loss. Where included, cover is typically 15–30 days depending on the insurer, but availability and duration vary by policy. Check your specific quote before relying on it.
In the first 1–2 years most insurers pay valor de nuevo (replacement value) on a total loss; after that it reverts to valor venal (market value). We'll flag which applies to your quote.
Todo Riesgo is the right tier when a write-off would hurt financially or contractually. These are the situations where we almost always recommend it over Terceros Ampliado.
Comprehensive cover is the most expensive tier, so the small print matters. These are the errors we see most often when expats move from a foreign policy to a Spanish one.
We're a Spain-based broker built around English-speaking residents. We quote across the major Spanish motor markets and we'll only recommend Todo Riesgo when it's genuinely the right tier for your car and circumstances.
Fully authorised by the Dirección General de Seguros y Fondos de Pensiones — the Spanish insurance regulator — so every policy we place is properly licensed.
Every quote, policy document, claim and renewal conversation is handled in clear English. No Google Translate, no missed clauses, no surprises at claim time.
We answer phone, WhatsApp and email seven days a week — useful when something happens on a Saturday evening and you need to know what your policy actually covers.
We compare Todo Riesgo quotes across the leading Spanish insurers in a single conversation, so you see the real options instead of being sold one product.
We help you secure and translate the bonus por no siniestralidad letter from your previous UK, Irish, German or other foreign insurer so your discount carries across.
If Terceros Ampliado is enough for your car and budget, we'll tell you. Todo Riesgo is brilliant when it's right, and an expensive habit when it isn't.
Most clients who hold their motor cover with us also use 247 Expat Insurance for the rest of their Spanish life admin. Three of our most-asked products are below.
Private health cover that satisfies the NLV income requirement and gives you English-speaking GPs, specialists and hospital access nationwide.
Buildings and contents cover for villas, apartments and townhouses across mainland Spain and the islands, with English-language policy wording.
Single-trip and annual multi-trip cover for Spanish residents travelling within Europe and worldwide — including medical, baggage and cancellation.
Todo Riesgo isn't right for every driver or every car. Browse the rest of the motor range to find the tier and product that actually fits.
Speak to an English-speaking Spanish broker today. We'll compare Todo Riesgo quotes across the major insurers, work out the right franquicia for your situation and have you on cover quickly.
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