Motor Insurance in Spain

Why a dedicated Spain policy makes sense

Spanish standard insurances often only offer the legally required minimum protection. For imported vehicles, premium models or vehicles also used by guests or tenants, this is often not enough. Coverage and benefits also vary considerably between providers.

Typical weak points of many local motor insurances:

• no or limited recognition of German no-claims classes
• limited glass-breakage or window protection
• limited protection against theft & vandalism
• hurdles for damage to imported vehicles
• complicated claims handling without English-speaking support

We analyse your situation and compare tariffs from different companies to find exactly the policies that reliably close these gaps.

Motor third-party liability in Spain — mandatory with German quality

Third-party liability insurance is legally required in Spain as in Germany (Seguro de Responsabilidad Civil). It covers personal injury and property damage you cause to others as the driver. No Spanish-registered vehicle may take to the road without valid liability cover.

At Göring, you receive liability insurance for your car in Spain with coverage well above the Spanish minimum — and with an English-language policy. Your German no-claims bonus is recognised, and claims are handled by our team in English — without you having to deal with Spanish bureaucracy.

• Legally required coverage — extended to German protection levels
• English policy, English claims handling, English-speaking contacts
• Recognition of your German no-claims bonus
• Affordable premiums — no surcharges for English-speaking service

Benefits of a good motor insurance in Spain

A high-performance motor insurance not only protects your vehicle but also ensures that you can travel everyday and on holiday without worries. We compare the benefits of different providers and only recommend policies that offer convincing, gap-free protection.

• Liability cover according to Spanish requirements
• Partial or fully comprehensive cover with individually selectable deductible
• Glass & window protection in case of stone chips or breakage
• Vandalism & parking-damage cover
• Breakdown assistance & towing throughout Spain
• Protection in accidents with uninsured vehicles
• Compensation in case of theft or economic total loss

Regional particularities in Spain

Spain is large and diverse — risks in road traffic vary considerably from region to region. We take that into account when choosing your tariff:

• Costa Blanca — narrow coastal roads, many rental vehicles and inexperienced drivers in peak season
• Mallorca & Balearic Islands — higher theft rates in tourist regions, frequent parking damage in Palma
• Canary Islands — strong sunlight, volcanic rock and narrow mountain roads strain paintwork and tyres
• Mainland & major cities — dense traffic in Madrid and Barcelona, more frequent cases of hit-and-run („fuga")

As an independent broker we make sure that the chosen tariff covers these risks and offers you a high level of safety regardless of where you live in Spain.

Which vehicles are covered?

We compare tariffs for almost all vehicle types and usage models in Spain — whether private, commercial or touristic use.

• Passenger cars
• Convertibles & sports cars
• Motorhomes & campers
• Motorcycles & scooters
• Rental & letting vehicles
• Imported vehicles from Germany
• Second cars for holiday homes

The basic package with 24-hour breakdown assistance

If your vehicle with Spanish number plates breaks down in Spain or abroad, good advice is often expensive and not always easy to find due to language barriers or lack of local knowledge. With Göring's Spanish motor insurance, you are entitled to free 24-hour breakdown assistance already with the affordable basic package.

Compare online, conclude easily

Insurance is a matter of trust — that also applies to motor insurance in Spain. With the form above, you send us a non-binding request, comfortably from home. We then find the best policy for you, in English. Spanish skills are not required. If the policy we propose suits you, a direct conclusion — also online — is easy and unbureaucratic.