Comprehensive & third party cover in Spain

Would you like to give your car on Spanish plates thorough protection and are wondering whether comprehensive cover or third party, fire & theft is the right choice? That is exactly what we have been here for since 1972. Göring Versicherungsmakler compares all Spanish motor insurers for you – independent, English-speaking and transparent.

• Comprehensive, third party fire & theft and third party liability compared as packages
• All Spanish insurers at a glance
• English-speaking policies & claims handling
• Recognition of your existing no-claims bonus

 

Comprehensive or third party, fire & theft – what's the difference?

Alongside the legally compulsory motor third party liability, third party fire & theft and comprehensive are two optional types of cover that protect your own vehicle. Which option suits you depends on the age, value and use of the vehicle and on your personal appetite for risk.

Third party, fire & theft – basic protection for your own vehicle

Third party, fire & theft covers typical risks that you have not caused yourself:

• Theft and break-in theft
• Fire and explosion damage
• Storm, hail, lightning strike, flooding
• Glass breakage (windscreen, side windows)
• Collision with wild animals on many tariffs

Comprehensive cover – all-round protection, including your own fault

Comprehensive cover includes everything in third party, fire & theft and, in addition:

• Accidents that are your own fault
• Vandalism and malicious damage by third parties
• Hit-and-run damage by unknown parties
• On many tariffs, damage caused by minor negligence as well

When is comprehensive cover worthwhile in Spain?

• New cars and nearly new used cars – the high current value justifies the comprehensive premium
• Financed vehicles – banks often require comprehensive cover
• High-value vehicles – repair costs for luxury or imported cars are considerable
• Frequent use – the more you drive, the higher your accident risk

When is third party, fire & theft enough?

• Older vehicles – with a lower residual value, comprehensive cover often no longer makes economic sense
• Rarely used second cars – e.g. a holiday-home car that mostly sits unused
• Experienced, accident-free drivers – where there are sufficient savings to cover your own damage

Your advantages with Göring

• Independent comparison – we check all the relevant Spanish insurers (Generali, Mapfre, Allianz, Zurich, AXA, Reale, Liberty and many more)
• English-speaking service – advice, policy and claims handling in English
• Your existing no-claims bonus is recognised – immediate rating without starting from scratch
• 24-hour breakdown assistance included – already in the basic package
• Up to 65% saving possible compared with buying direct
• In Spain since 1972 – 5 offices on the Costa Blanca and on Mallorca

Frequently asked questions about motor cover in Spain

What does comprehensive cover cost in Spain?

The premiums depend on the vehicle type, age, place of residence, named drivers and your no-claims bonus. We obtain comparison quotes from all the leading insurers for you and show transparently what you will actually pay.

Is my existing no-claims bonus taken into account?

Yes. We make sure that the no-claims bonus you have built up is also recognised in Spain – for a favourable starting tariff with no waiting period.

Can I switch from third party, fire & theft to comprehensive cover later?

As a rule, yes – usually at the next insurance year, and mid-term too when you buy a new vehicle. We are always happy to advise you on the right timing.

Does comprehensive cover also apply elsewhere in the EU?

Yes, all common Spanish motor policies cover the whole of the EU, including trips to the UK or France. We clarify the details when choosing the tariff.

What happens in the event of a claim?

You report the claim to us in English. We take over communication with the Spanish insurer and keep you informed. With approved repairers there is no need to pay up front.

Compare comprehensive and third party cover now, free of charge

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