Spanish Car Insurance

Choose HomeFinance Spain for your Car Insurance

HomeFinance Spain are experts in motor insurance. Car insurance in Spain is mandatory for all cars and vehicles, even if they are off the road.

  • Personal Service in your language
  • Guaranteed Competitive Rates
  • Apply online, by phone or in branch

Range of Policies

Our wide range of policies can be customised to meet your individual circumstances.

No Claims Discount

Drivers that have no claims are eligible for earning a discount of up to 65%.

Processing of Fines

Our team will also help with processing your fines, should you receive any.

Policy Discounts

Discounts for clients who have more than one insurance policy with us.

Get in touch

By submitting this form, you confirm that you agree to our website terms of use, to our privacy policy and consent to cookies being stored on your computer.

Our Motor Insurance benefits include:

  • Protected No Claims Bonus as standard for expatriates.
  • In the event of total loss of the vehicle, it is considered “as new” for up to 2 years old.
  • Up to 45 days Courtesy Car in the event of loss due to accident, theft or fire.
  • Legal assistance as standard.
  • European vehicle insurance cover, including driving in the United Kingdom.
  • 24-hour breakdown & Emergency cover 7 days a week. (Helpline in English.)
  • We can insure your British plated car.
  • Extended Travel Assistance Cover and Extended Roadside Assistance is also available in our car insurance plans.
  • Policies are provided in many languages.
  • ‘Named Driver’ category has also been created – which aims to introduce a price reduction for their policies.
  • Choose between a wide network of repair shops, where you will receive speedy service, free vehicle washing and a discount on repairs.
  • Vehicle replacement in the event of an accident, fire or theft.

Basic cover

The Basic Cover policy includes protection against:

  • Damage caused to third parties.
  • Mandatory and Voluntary liability.
  • Liability for the vehicle catching fire.
  • Third party liability caused by the cargo.
  • Legal defence and damage claims.
  • Roadside assistance.
  • Legal assistance for traffic offences.
  • Personal accident cover for the driver and the passengers including: death, permanent disability, healthcare and help with personal injury .
  • Bail bonds.
  • Roadside assistance.

Policy Additions

HomeFinance Spain can also provide you with the following additions for your insurance:

  • Basic cover - fire, windscreen.
  • Basic cover - theft, fire.
  • Fully comprehensive with no deductible.
  • Fully comprehensive with a deductible.

Levels of Cover

HomeFinance Spain provides you with the following different levels of cover for your insurance:

Third Party Cover

Covers the damage caused to third parties caused by your car and includes roadside assistance.

Third Party Cover with Fire & Glass

Mandatory civil liability cover, defence and claim of damages, travel assistance and additional guarantees in the case of fire and moons.

Third Party Cover with Fire & Theft

In addition to mandatory civil liability, defence and claim of damages and travel assistance, you are guaranteed protection in the case of theft and fire.

All Risk Insurance

In addition to all of the above protections, you will be protected for any eventuality you might have with your vehicle. Contact us for a full breakdown

Frequently Asked Questions

Motor insurance is legally required in Spain for all vehicles and trailers entering the country. If you do not have any cover in place, you can face a hefty fine and even a prison sentence in some scenarios. It is also important to ensure you are always carrying your insurance document with you at all times when you are driving. You can also face a fine if you do not have the document with you.

Yes, drivers in Spain are liable to pay an annual road tax. It must be paid on the 1st of January every year at your local town hall or via direct debit. It is called ‘Impuesto Sobre Vehículos de Tracción Mecánica (IVTM)’.

Yes, in Spain you can pay for your car insurance in monthly instalments or annually in one payment. It is often a lot cheaper to pay in one instalment. Read more on how to save money on your car insurance.

Yes, in Spain it’s possible to name other drivers, such as young family members, on your insurance policy. However, this can make your premium more expensive, so it is important to consider whether the younger driver should take out their own policy.

Get in touch

By submitting this form, you confirm that you agree to our website terms of use, to our privacy policy and consent to cookies being stored on your computer.

We use cookies to ensure that we give you the best experience on our website. If you continue to use this site, you consent to our use of cookies.

We use cookies to ensure that we give you the best experience on our website. If you continue to use this site, you consent to our use of cookies.