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Car Insurance

Having car insurance in Spain is a legal requirement and The Insurance Centre offers a wide range of car insurance policies from Third Party Liability basic cover to Fully Comprehensive Cover.

We insure Spanish and UK plated vehicles, if you have a vehicle from another European country please contact us as we can provide limited cover.

Included in all car insurance policies are International breakdown Assistance, Windscreen cover and protected No Claims.

Covered under the policy is any driver aged 25 years or over and has held a licence for two years or more.

We can also add occasional drivers, so if you have a family member visiting that does not fall within the above, they can be added temporarily for an additional cost, we just need their date of birth and passport details.

Fully inclusive courtesy cars whilst your car receives repairs
Courtesy cars are included as standard in all policies in the case of accidents, fire, theft or mechanical breakdown helping to minimise the inconvenience of you whilst you wait for your car to be repaired.

The cover is for up to 45 days in the event of fire or theft and up to 35 days in the event of an accident.

Fully Comprehensive Car Insurance Cover
This car insurance policy covers total or partial damage to the insured vehicle as a result of an accident that is not the drivers fault, whether stationary or in motion.

Policy includes cover for

  • Collision with other vehicles / objects whether moving or stationary
  • Malicious damage by third parties
  • Broken windows
  • Hail damage
  • Personal items and luggage due to an accident

Total loss Car Insurance Cover
If the car is declared a total loss then the following indemnities will apply less the scrap value:-

  • 100% of the value as new, if the vehicle is less than four years old
  • If the vehicle is more than four years old, the indemnity will be made for its actual cash value plus 30%

Please note:

    • All factory fitted extras will be automatically cover and also other extras which are not standard but have been declared in the policy
    • The excess is not applicable if the vehicle is a total loss
    • Age of vehicle is taken from date of first registration even if this is outside of Spain

Fire
Fire, Lightning and explosion are covered under the policy whether the vehicle is parked or in transit. Material flaws and manufacturing defects will have restricted cover to repair the damage caused by the accident and will not include the faulty parts.

Misconduct or malicious damage perpetrated by third parties is covered. Fire damage will also be indemnified when the fire is accidental in origin. Fire caused by wilful misconduct is not covered. All expenses incurred due to extinguishing the fire will be covered.

Theft
In the event of a theft the indemnity is based as follows:-

      • 100% of the value as new, if the vehicle is less than four years old
      • If the vehicle is more than four years old, the indemnity will be made for its actual cash value plus 30%

Please note:

      • All factory fitted extras will be automatically cover and also other extras which are not standard but have been declared in the policy
      • The excess is not applicable if the vehicle is a total loss
      • Age of vehicle is taken from date of first registration even if this is outside of Spain
      • Theft of batteries and tyres will be indemnified at 50 % of their value as new
      • Theft of accessories such as radio, telephone, satellite navigation or sound and image playing devices if they are factory fitted they are full covered but if they are an extra they have to be itemised on the policy and if so done indemnity will be 100 % of their value provided that the stolen devices are actually replaced subject to verification by the Insurers loss adjuster. This type of claim is limited to a single indemnity per insurance year
      • Indemnity is guaranteed when damage has occurred due to theft and attempted theft
      • If the vehicle is recovered after 40 days following the claim the insured is obliged to accept its return. After this amount of time it will remain the possession of the insurer
      • The insured is obliged to hand over all the necessary documentation that maybe required for the transfer of ownership. If you wish to keep the vehicle the indemnity can be reimbursed to the insurers within 15 days

Windscreen cover
In the case of a broken windscreen the insurer will pay the cost for the replacement and installation of the glass, with a nil excess . This does not affect your no claims bonus.

Legal defence and Legal assistance cover

      • Personal defence of the insured by lawyers or court attorneys including fees and expenses of the lawyers and notary’s fees etc.
      • Criminal proceedings and bail bonds if required for the release of the insured on bail
      • Expense of loss adjusters if authorised by the insurers
      • A free choice of a court attorney and lawyer is available to defend the insured in any type of proceedings (conditions apply)
      • telephone consultation by telephone as regards to traffic matter in general fines
      • Appealing against traffic fines
      • Advice as regards to lost driving licences and points on your driving licence

Driver and passenger cover
With us we cover the driver and all the passengers in the car, so it is important that you tell us how many seats are in the vehicle.

Health Care expenses arising from accidents
For one year the insurers will cover all medical, pharmaceutical, hospitalisation and treatment expenses if the care is provided in Spain and only by clinics and hospitals which are recognised by the Insurance Compensation Consortium.

Also covered is:-

      • Urgent transport of the injured party to the nearest health centre immediately after the accident
      • Ambulance transportation if further required
      • Initial purchase of prostheses, glasses, hearing aid devices that might be necessary as a result of the accident or the repair and replacement of such items

Personal Accident cover for the driver
According to the policy conditions the insurer agrees to pay the fixed sum over 24 monthly annuities in the event of death or total permanent disability.

Roadside assistance
To use the roadside assistance the emergency number must be contacted at all times. Tlf 900 101 369. This is a 24 hour multi-lingual service. No reimbursement or compensation whatsoever will be given if the number is not used.

    • The cover is applicable from KM 0, which is the insureds own place of residence
    • If it is possible to do an emergency repair on the vehicle at the side of the road within a period of one hour then the insurer will bear the costs as long as it does not exceed 100 euros
    • Immobilisation resulting from breakdown, accidents, flat tyres, fuelling errors, keys left in the vehicle and broken windscreen preventing normal transit of the vehicle are all covered
    • The vehicle will be towed to the official garage for its make nearest to the spot where the breakdown has occurred or alternatively to the insured's choice of garage as long as it is within 100 Km
    • Towing service is available to 4×4 or cross country vehicles when off public roads as long as the access to vehicles is licit and possible
    • Repatriation to your home or destination is covered if the vehicle insured becomes immobilised for one day or overnight. You have the choice of either staying in a hotel as explained above or the insurers will pay for a airplane ticket, train ticket or bus ticket providing that the cost does not exceed that of the return trip home
    • If the vehicle is stolen the above options are available
    • Transportation of the insured to pick up the repaired vehicle
    • Expenses for transporting the vehicle to the residence of the insured
    • Medical transportation or reparation injured or ill individuals and minors
    • Travel expenses for a family member in case of hospitalisation over five days
    • Medical, surgical pharmaceutical expenses abroad including the forwarding of medications and convalescence in a hotel
    • In the event of death of the insured reparation is covered
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