Whether you ride a motorcycle, scooter, or moped in Spain, we help expats and foreign residents arrange the right cover in English — quickly and without the usual complications.
Get Your Quote Speak to Our TeamSpain is one of the best countries in Europe to ride a motorcycle or scooter. The climate, the roads, and the culture all make two wheels an appealing way to get around, whether you are commuting in a city, touring the countryside, or riding along the coast. For expats living in Spain, insuring a motorbike is straightforward — but there are a few important things to understand before you take out a policy.
Motor insurance is legally required for all powered two-wheel vehicles in Spain, from a 50cc moped to a large-capacity motorcycle. The minimum legal requirement is third party liability (seguro de terceros), which covers damage or injury you cause to other people or their property. Most experienced riders opt for comprehensive cover to protect their own bike as well.
At 247 Expat Insurance, we help expats across Spain find the right motorbike insurance for their situation. We explain the options clearly in English, handle the paperwork, and make sure you ride legally and with proper protection.
Motorbike insurance in Spain is available at different levels depending on how much protection you want for your vehicle. Here is what each level typically includes.
The legal minimum. Covers damage or injury you cause to other people, vehicles, or property. Does not cover your own bike for damage, theft, or fire. A common choice for older or lower-value bikes.
Adds fire and theft cover to the standard third party liability cover. Gives extra protection if your bike is stolen — which can be a real concern in urban areas of Spain. Does not cover accidental damage to your own bike.
Full cover including accidental damage to your own bike. The best option for new bikes, higher-value motorcycles, or riders who want peace of mind. Can include windscreen cover, roadside assistance, and other extras.
Breakdown and recovery assistance in Spain and sometimes across Europe. Can be particularly useful if you use your bike for touring or if you live in a rural area where getting help quickly may be challenging.
Some comprehensive policies offer cover for helmets and riding gear damaged in an accident. Quality helmets and leathers can be expensive to replace, so this can be a worthwhile inclusion.
If you plan to ride across borders — whether touring France or Portugal — European cover extensions are available on many policies. Useful for expats who enjoy motorcycle touring across the continent.
If you ride any powered two-wheel vehicle in Spain and you are a resident or long-term visitor, you need valid Spanish motorbike insurance. Here are the main situations we encounter with expat riders.
Many expat riders make easily avoidable mistakes when insuring their motorbike in Spain. Being aware of these can save you time, money, and potential legal trouble.
We are not a generic insurance comparison site. We are a specialist team focused entirely on helping expats and foreign residents in Spain get the right cover — in English, from people who understand your situation.
From 50cc scooters used for city commuting to large touring motorcycles, sports bikes, and everything in between — we help with all types of two-wheel cover.
No struggling with Spanish insurance jargon. Our team works in English throughout the quoting and policy process, so you know exactly what you are covered for.
We understand the issues expats face — licence conversions, previous foreign NCD, re-registration questions, and insurance starting from scratch in Spain. We have handled it all before.
We make sure your policy actually covers what matters, including theft protection in Spanish cities and accidental damage cover for your bike.
Riding at the weekend and need urgent cover sorted? We are available every day of the week, not just during standard business hours.
We take the complication out of arranging insurance in Spain. Tell us about your bike and your situation, and we will handle the rest.
As a specialist expat insurance agent, we cover all the main insurance needs you may have in Spain — not just one product.
We also help with a wide range of other motor insurance needs across Spain.
Talk to our English-speaking team about cover for your motorcycle, scooter, or moped. We are here 7 days a week and make the process straightforward.
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