Extended Third-Party Car Insurance in Spain – Fire & Glass Cover for Expats
Introduction
When you’re choosing car insurance in Spain, you don’t always want the cheapest policy, but you might not need the most expensive either. That’s where third-party plus insurance (seguro a terceros ampliado) comes in.
It’s the middle ground: you get the basic liability protection required by law, plus extra cover for things like windscreens, glass breakage, fire, and roadside assistance. For expats, this makes it one of the most popular choices — balancing affordability with added peace of mind.
At 247 Expat Insurance, we explain policies clearly in English and arrange cover with trusted Spanish insurers, with up to 60% expat discounts built in.
👉 Related: Basic Third-Party Car Insurance in Spain
👉 Related: Comprehensive Car Insurance in Spain
Explore Your Other Car Insurance Options in Spain
Fully Comprehensive Car Insurance
Get maximum protection with full cover for theft, fire, glass, accidental damage, and roadside assistance — ideal for expats who want total peace of mind.
Basic Third-Party Car Insurance
The legal minimum cover required in Spain. Simple, affordable liability insurance — perfect if you just need to stay road-legal at the lowest cost.
Why Choose 247 Expat Insurance for Extended Third Party Car Insurance
- 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’s Included in Extended Third-Party?
Extended Third-party insurance builds on the legal minimum third-party policy with a set of useful extras. While every insurer’s version is slightly different, most include:
- Windscreen and glass cover – repairs or full replacement if your windscreen, side windows, or rear glass are broken.
- Fire cover– protection if your vehicle is damaged by fire, whether moving, parked, or towed.
- Roadside assistance from km0 – breakdown recovery from the moment you leave your driveway.
- Legal defence – cover for legal expenses if a claim is made against you.
- Traffic fines management – help with administration and disputes over penalties.
For many expats, these extras mean that everyday risks are covered without the cost of full comprehensive insurance.
What’s Not Included in Extended Third-Party Cover
It’s important to be clear: extended third-party plus is not comprehensive insurance. It does not cover:
- Vandalism or malicious damage.
- Accidental damage to your own car outside of fire or glass.
- Weather events (floods, hail, storms) unless specifically added.
- Theft or attempted theft can be added as an optional extra.
Third-Party vs Third-Party Plus vs Comprehensive
Third-party plus insurance builds on the legal minimum third-party policy with a set of useful extras. While every insurer’s version is slightly different, most include:
| Cover Type | Liability to Others | Glass | Fire | Theft | Accidental Damage to Own Car | Roadside Assistance |
|---|---|---|---|---|---|---|
| Third-Party | ✅ | ❌ | ❌ | ❌ | ❌ | ✅ |
| Extended Third-Party | ✅ | ✅ | ✅ | 🔵 | ❌ | ✅ |
| Comprehensive | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ |
This makes extended third-party plus the ideal “middle option” for expats: more protection than the legal minimum, but significantly cheaper than full comprehensive.
🔵 Indicates optional cover — not included in all policies. Please contact us for more information.
How Much Does Extended Third-Party Cost in Spain?
The cost of extended third-party is typically 20–30% higher than basic third-party cover, but 30–40% cheaper than comprehensive insurance.
At 247 Expat Insurance, we also apply exclusive expat discounts of up to 60%. Unlike many Spanish insurers, we don’t require endless paperwork to prove your no-claims history — meaning expats can still benefit from the savings they’ve earned abroad.
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
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
Who Is Extended Third-Party Best For?
This type of policy is a good fit for:
- Expats with mid-value cars – vehicles that don’t justify comprehensive, but are worth more than basic cover alone.
- Holiday home owners – cars left parked for long stretches benefit from fire and glass cover.
- Families – who want affordable peace of mind against common risks like glass damage.
- Retirees – driving older cars, but still wanting more than the minimum.
How to Get Started:
Get a Car Insurance Quote
FAQs About Extended Third-Party Insurance in Spain
What does Extended third-party insurance include?
It includes everything in basic third-party insurance — liability to others, legal defence, and fines management — plus windscreen and glass cover, fire protection, and roadside assistance from km0.
Does Extended third-party cover theft?
No. Theft and attempted theft are not included. For that, you’ll need an fully comprehensive policy.
Is roadside assistance included?
Yes. With 247 Expat Insurance, roadside assistance is included from km0, meaning you’re covered at home, in town, or on the motorway.
👉 Related: Roadside Assistance in Spain – Add It to Any Policy
Is Extended third-party cheaper than comprehensive cover?
Yes. It’s usually around 30–40% cheaper, making it a smart choice for expats who want extra protection without paying for full comprehensive insurance.
Can I get expat discounts with Extended third-party?
Yes. Our negotiated expat discounts of up to 60% apply across all policies — including third-party, third-party plus, and comprehensive cover.
Is fire cover valid if the car is parked?
Yes. Fire cover applies whether your vehicle is parked, moving, or being towed.
Does Extended third-party include cover for animal collisions?
Not by default. Some insurers offer this as an optional add-on. We’ll help you compare the options if you need this cover.
Can I add theft cover later?
No, Third party policies in Spain do not cover theft of the vehicle, you would have to upgrade the policy to fully comprehensive cover.
Do I still need an ITV with third-party plus?
Yes. The ITV (Spain’s MOT) is still required. Without it, your insurance may be invalid.
Is glass cover only for windscreens?
No. Glass cover can includes windscreens, side windows, and rear windows. Please confirm in your policy documents if you are covered for just the windscreen or all glass on the car.
Fill in your details below to receive your extended third-party car insurance quote today:
Explore More Insurance Options for Expats in Spain
Beyond car insurance, we offer a range of coverage options tailored for expats, including health, home, travel, and life insurance. Browse our plans below and find the protection you need for a worry-free life in Spain.
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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.