247 Expat Insurance specialises in health insurance for people moving to or living in Spain. We no longer arrange car insurance; this page is a general information guide.
The affordable mid-tier choice — legal third-party liability plus fire, theft, glass and roadside assistance. The sweet spot for expats who want more than the legal minimum, without paying for full comprehensive cover.
Seguro a Terceros Ampliado sits between basic Terceros (the legal minimum) and Todo Riesgo (fully comprehensive). It keeps the unlimited liability protection you are legally required to have under Spanish law, then adds the cover most expats actually want day-to-day: fire, theft, glass and windscreen, and roadside assistance.
The big difference versus basic Terceros is that your own vehicle is now protected against the most common non-collision losses — a torched car after a wildfire scare in the campo, a smashed windscreen on the AP-7, a break-in at the airport long-stay. The difference versus Todo Riesgo is what is not covered: accidental damage to your own car if you cause the crash.
For many expats — especially those driving a car that is five years old or more, paid off, and worth somewhere between €4,000 and €15,000 — Terceros Ampliado is the most sensible balance of price and protection. We will run the numbers for both Ampliado and Todo Riesgo so you can decide on facts, not guesses.
Every Terceros Ampliado policy builds on the same legal-minimum liability foundation, then adds the four extras below. Limits, excesses and small print vary by insurer — we will walk you through them in plain English.
Pays out if your car is damaged or destroyed by fire — whether caused by electrical fault, an arson attack, or a wildfire. Critical in inland and rural Spain during summer.
Covers theft of the whole vehicle and damage caused by attempted theft (smashed locks, ignition, broken windows). Most insurers also cover stolen factory-fitted parts.
Repairs or replaces windscreen, side windows and rear glass after stone chips or breakage. Most policies have a low or zero excess for repair through an approved network.
24/7 breakdown recovery anywhere in Spain — and usually across Europe too. Towing, jump-starts, flat-tyre changes and a courtesy taxi or accommodation if you are stranded far from home.
Protects your bonus por no siniestralidad (no-claims discount) after one fault claim. Cheap to add and worth it if you have built up several years of clean driving in Spain.
Accidental damage to your own car if you cause the crash. If you reverse into a wall or slide off a wet road, repairs to your vehicle are on you. That gap only closes with Todo Riesgo.
Some honest scenarios where this mid-tier cover is the most sensible choice for expat drivers in Spain.
We see the same misunderstandings every week. Avoiding these will save you money, time and one very bad day at a Spanish body shop.
Honest answers to the questions expats actually ask before choosing Seguro a Terceros Ampliado.
Many expats in Spain hold two or three separate policies. Bundling is rarely cheaper in Spain, but having one English-speaking insurance agent for everything saves you hours every year.
Private medical cover for residency, visas and everyday peace of mind — TIE, NLV, DNV and family policies arranged in English.
Buildings and contents cover for villas, apartments and rural fincas across Spain — mortgage-lender compliant, quoted in English.
Annual multi-trip and single-trip travel cover for expats heading back to the UK, Ireland or further afield from Spain.
247 Expat Insurance only insures Spanish-plated vehicles. Spanish cover is not available for UK, Irish or other foreign-plated cars driven in Spain.
Not sure Terceros Ampliado is the right tier for you? Explore the rest of our Spanish motor cover range:
