Car Insurance in Spain Required From Day One

Buying a car as a new resident? Third-party liability insurance is legally mandatory in Spain the moment your car touches the road. We make it simple to get covered, in your language.

Insurance advisor holding a model car

Who needs this coverage

A quick look at who this policy is built for.

Family choosing a new car at a dealership

New residents who just bought a car

You legally cannot drive an uninsured vehicle in Spain, even for one day.

Expats importing or registering a foreign-plated car

Registration and insurance often need to happen together; we help you get the timing right.

Anyone renewing after their first year

Your no-claims history in Spain starts building from your first policy, so getting it right matters for future pricing.

Why Innoinsure

What makes getting covered with us different.

We compare, you choose.

Access a network of Spain’s leading motor insurers, matched to your driving history, car, and budget - instead of a one-size-fits-all option.

We speak your language, literally.

Spanish car insurance terms can be confusing. We explain the fine print so you know exactly what you are considering.

We understand the “no Spanish driving history” problem.

We help you find insurers who take documented foreign driving history seriously.

Support that does not disappear.

Certificate follow-up and activation assistance are included, with help navigating the claims process in your language.

What’s typically covered

Exact coverage, deductibles, and limits depend on the insurer and plan you select - full policy conditions are explained before you proceed.

Third-party liability (seguro a terceros) - the legal minimum, covering damage or injury you cause to others

Availability varies by insurer and policy. Our team will explain the applicable limits, exclusions, and deductibles.

Third-party, fire and theft - adding protection against fire, theft, and vandalism to your own car

Availability varies by insurer and policy. Our team will explain the applicable limits, exclusions, and deductibles.

Fully comprehensive (todo riesgo) - covering damage to your own vehicle too, including single-vehicle accidents

Availability varies by insurer and policy. Our team will explain the applicable limits, exclusions, and deductibles.

Roadside assistance and towing, including breakdowns

Availability varies by insurer and policy. Our team will explain the applicable limits, exclusions, and deductibles.

Replacement vehicle while yours is repaired, on select plans

Availability varies by insurer and policy. Our team will explain the applicable limits, exclusions, and deductibles.

Legal defence in the event of a traffic-related dispute

Availability varies by insurer and policy. Our team will explain the applicable limits, exclusions, and deductibles.

Windscreen and glass repair

Availability varies by insurer and policy. Our team will explain the applicable limits, exclusions, and deductibles.

Optional driver personal accident cover

Availability varies by insurer and policy. Our team will explain the applicable limits, exclusions, and deductibles.

How it works

1

Give us your car details, driving history (Spanish or foreign), and coverage preference.
2

We compare options from our motor insurer network and explain the available choices clearly.
3

Choose the option that fits your needs and complete the insurer’s required process.
4

We help confirm activation and make sure you receive the relevant policy documents.

FAQ

Here are the answers to the questions people ask us the most - quick, clear, and easy to follow.

Is car insurance mandatory in Spain?

Yes. Third-party liability insurance is a legal requirement for any vehicle used on Spanish roads from the day it is registered to you.

Will my foreign no-claims discount count in Spain?

It depends on the insurer. Some recognise documented driving history from abroad, while others start from a base rate. We help identify insurers that may consider your record.

What documents do I need to arrange car insurance in Spain?

Typically you will need your NIE or TIE, driving licence, and vehicle registration or purchase details. We will explain what is needed for your situation.

Can I insure a car that is not registered in Spain yet?

In many cases, the car needs to be registered in Spain first or insured in its country of origin during transit. Contact us so we can advise on the right sequence.

What is the difference between “a terceros” and “todo riesgo”?

Third-party insurance covers damage you cause to others. Fully comprehensive insurance can also cover damage to your own car, subject to the policy conditions.

Get road-legal in Spain with a policy you actually understand.

Tell us about your car and driving history, and our team will help you understand the available options.