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Spanish Laws changed in 1995, in respect that all motor vehicles that are to be driven on the public roads, be covered with at least Third Party Only insurance that would compensate for any damages that may occur with a third party. Its had been estimated that 3% of vehicles on the Spanish roads today are not covered by the require cover of insurance. Many of these drivers are young people on motorbikes and scooters. The Spanish police, the Guardia Civil in particular are taking extra measures to find these driver without insurance in order to reduce the problem. The police have systems similar to the UK to help with this, such systems include, number plate recognition scanners which are cross referenced with a database created within an agreement with insurance companies and the police. You can be fined for driving without insurance, the fine can vary depending on the following factors but can range from 600 - 3000 euros:
MSC Insure can provide quality motor insurance to insure cars, vans, motor bikes and quad bikes in Spain, the Balearics as well as the Canaries and are able to offer comprehensive or third party insurance for either a Spanish or UK registered vehicle (We are also able to insure other vehicles outside of Spain and UK, please contact us for more information).
Policies can be issued in both English and Spanish and our telephones are manned by staff with English as there primary language. No claims benefits of up to 60% are obtainable and your no claims bonus, these can be no claims bonus you have collected in the UK..n addition, we are able to offer legal assistance and Spain or European wide breakdown cover giving you peace of mind whilst driving in Spain. Our legal assistance and breakdown cover is mainly provided by Arag - The market leading company of their sector.
Other Important Points:
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What can be included in the policy:
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Total loss-new replacement if less than 24 months old.
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EU wide cover for visits up to 3 months provided you live in Spain.
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Windscreen replacement and this does not affect your no claims bonus.
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A Courtesy car.
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Non standard equipment such as a car stereo (up to € 500)
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Liability to third party persons up to € 50 million per event.
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Liability to third party property up to € 375,000 per event.
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Liability cover for trailers up to 750 Kg automatically covered.
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Breakdown and Accident Assistance anywhere in EU.
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Assistance with punctures, running out of fuel and loss of keys.
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Legal protection – legal help following a non-fault accident.
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Advance payment for agreed uninsured loss of claims.