When deciding what level of coverage you require your car insurance in Spain you will need to know the differences between the different types of insurances.
Fully comprehensive car insurance is the maximum you can take out and of course it gives you the best levels of protection and cover. Of course this also means it is the most expensive type of car insurance in Spain.
If you are looking for the absolute minimum to pay fewer car insurance than the most basic cover which is actually compulsory under Spanish law is third-party car insurance, or slightly more expensive but not really adding too much extra cover is third-party fire and theft car insurance.
You may also see fully comprehensive insurance referred to in slightly different forms. Popular variations include comprehensive car insurance Spain or fully comp car insurance Spain. The Spanish definition which translates as all risks is todo riesgo.
When taking out comprehensive cover you will be covered for accidental damage to the your car as well as the other driver’s car if you are involved in an accident with another party. You would also be protected against any medical claims that they may levy against you. You will also be covered for fire and theft of your own vehicle.
One of the key differences with fully comprehensive car insurance Spain compared to the United Kingdom is that in Spain your quotation and premiums also include breakdown cover and roadside assistance – this is known in Spain as asistencia en viajes.
Some comprehensive policies also include at no additional charge, legal expenses known in Spain as defensa penal.
There is no doubt that we would strongly suggest that you pay for comprehensive insurance for your car in Spain. The extra money can be well worth it if you are involved in an accident which of course is much more likely if you are a foreigner in Spain or an expatriate in Spain.
In our personal experience, driving in Spain is very unpredictable. With many different nationalities on the roads it pays to expect the unexpected.
The extra levels of cover that you get with fully comprehensive insurance are well worth it. Fully comprehensive car insurance needn’t be prohibitively expensive if you follow our tips and advice on our other pages which give you great suggestions on how to get the lowest quotes for car insurance in Spain.
There are many ways you can save money in order to bring your premiums down just by doing a car insurance comparison between various providors.
The video below explains everything you need to know about comprehensive insurance:
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