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Car insurance

Car insurance on Mallorca, Spain

Of course, motor vehicles are also subject to compulsory insurance in Spain. The liability insurance is required by law. It covers damage that may occur to third parties in case of an accident caused by your vehicle.

You can choose between a pure liability insurance, a partial comprehensive insurance or a fully comprehensive insurance with or without excess. This decision depends on the age and value of the car and the premium.

Optionally, you can also integrate accident insurance for the driver and / or the occupants. Moreover you can also insure further benefits such as a replacement vehicle or a breakdown assistance. Even cash benefits in case of driver’s license withdrawal.

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Statutory obligatory and voluntary liability insurance

In case of liability insurances there is a legally obligatory insurance and a voluntary liability insurance. In which, for example, a towing service and more services are covered.

With the partial coverage insurance you can additionally insure damage to your own vehicle. But in Spain there are only these three options: Glass breakage, fire and theft.

With the fully comprehensive insurance, you can choose a different deductible.  Which of course has a considerable influence on the amount of the premium.

Fully comprehensive insurance also for used cars

In case of a used car, an expert opinion may first be required to conclude a fully comprehensive insurance policy, but this can be prepared quickly and easily. If the insurance is needed immediately and it takes two or three days to process the report, you can take out liability insurance in advance in order to be allowed to drive at all, and then top up afterwards.

In the case of fully comprehensive insurance, you should not forget to specify the extra equipment and accessories of the car. This includes everything that is not fitted as standard. For example, music systems, metal paintwork, leather seats etc.. In this way they are covered in case of damage.

Normally, when you take out car insurance in Spain, you consult the “SINCO” database, to which all insurance companies have access. There it is recognized on the basis of the previous insurance whether a bonus can be granted because of accident-free driving. This bonus reduces the premium considerably.

No-claims bonus can be accepted

The no-claims bonus of German previous insurances is usually assumed.

If the insurance company changes within Spain, the no-claims bonus is maintained.

With an app that you can download on your mobile phone, you can always be found immediately via GPS in the event of a breakdown and can easily alert the breakdown service. This is convenient so you don’t have to explain where you are, when Spanish isn’t your native language.

Fill in the form below today – and let Mallorca Assekuranz advise you free of charge and without obligation!