Two crashed cars

Don't Get Lost In Translation: Spanish car insurance in Spain!

Moving to sunny Spain, or already enjoying your life in Spain, then congratulations! But before you drive in Spain, or explore Spain by car, make sure you're covered. Car insurance in Spain is mandatory, and understanding the system can be challenging or even confusing, not only if you're new to the country, but if you are an expat and have lived here for years! At Beneficial Insurance, we can help you navigate that very complicated road and obtain the best insurance at the best price!

Here's your guide to getting the right car insurance as an expat, or a foreigner moving to Spain:

The Basics: What You Need to Know – Car Insurance in Spain

  • Third-Party Liability is Mandatory: All vehicles in Spain must have at least third-party liability insurance, which covers injuries and property damage caused to others in an accident.
  • Consider Going Further: While third-party is the minimum, it doesn't cover damage to your own car. For financial protection, consider a more comprehensive policy.
  • Spanish Registration is Key: To get the best deals and most options, you'll need to register your car in Spain. You can drive on foreign plates for a short time (usually 3-6 months) but it is best to register your car onto Spanish plates as soon as possible (if you plan to keep your vehicle here permanently)

UK plates

  • UK Registered Cars – At Beneficial Insurance we are in the unique position to be able to cover your UK registered vehicle, cheaper than you would pay with a UK insurer. The insurer we deal with, will register the insurance details under the MID (Motor Insurance Database). The MID is a central record of all insured vehicles in the UK. It is managed by the Motor Insurers' Bureau (MIB) and is used by the Police and the Driver and Vehicle Licensing Agency (DVLA) to enforce motor insurance laws.

  • If you decide to bring your UK registered vehicle, to Spain, when you visit your 2nd home, then we can cover the vehicle on an annual policy. Our rates are normally much lower than the prices you will be currently paying in the UK. Our policy gives unlimited Green Card cover for your UK vehicle, so you are not on any time limit for how long your vehicle, may be in the UK or in Spain. But please remember in Spain, Spanish law states you will only have a limited period for how long it may remain here, before you must take it back to the UK, or alternatively you may decide to swap to Spanish plates. However, there are no such restrictions if the vehicle is in the UK for most of its time, which we can insure.

Requirements for Beneficial Insurance to insure your UK vehicle.

You must have a Spanish address (e.g. main or 2nd home, or rent in Spain), and you MUST hold an NIE number. The NIE number, which stands for Número de Identidad de Extranjero (Foreigner Identity Number), is a tax identification number in Spain assigned to foreign residents and non-residents who have dealings with the Spanish government or economy.

Finding the Right Coverage:

  • Best Prices / Best Covers: At Beneficial Insurance, we obtain the best prices, with the best cover. We don’t take off coverages to reduce the cost, as some other insurers are known to do! Cheap does not mean poor cover, we offer exceptional cover.
  • English-Speaking Agents Available – All our policies are issued in English and we speak English, making the process easier for expats.

No-Claims Bonus Accepted: Good news! We automatically provide you with maximum no claims bonus (regardless of claims), which helps to reduce your premium. We make life even easier, by NOT asking you to prove the bonus

Convictions and Accident history – We do not ask for information to obtain a price. As long as you have a full licence for 2 years or more, in your country of origin, this is acceptable for us.

Beyond the Basics: What to Consider

Breakdown Assistance: Spanish roads are great, but breakdowns can happen. Roadside assistance can be a lifesaver, especially if you're unfamiliar with the area. PLUS, our policy covers your car, even if you breakdown in other European countries.

Protected bonus: We protect your no claims bonus. Should you suffer an accident or claim, we won´t penalise you the following year on the price. We automatically protect your no claims bonus… for Free!!

Replacement Vehicle: If your car is damaged or stolen, a replacement vehicle can keep you mobile while things get sorted. (this service is only available for cars which are damaged or stolen in Spain)

CONTACT US - We look forward to hearing from you. Please call Beneficial Insurance on 966890110 / 711087584 or whatsapp on 622275561, email This email address is being protected from spambots. You need JavaScript enabled to view it.
With the right car insurance, you can relax and enjoy the drive on your Spanish adventure. Give us a call on 966890110 - Buen Viaje!

Beneficial Insurance

Jayne Smith

DGS Inscription Number - C0467X05137998M

Contact Us

Mon - Fri 08:00 - 15:00 (Spanish Time)