Third Party Car Insurance

In the country of Spain, third-party car insurance is the absolute minimum insurance that you are obligated to have if you are driving on Spanish roads.

On your car insurance policy you will know if you have third-party insurance because it will be called either responsabilidad civil obligatoria or seguro obligatorio.

It is essential that you are aware that this is a very basic type of car insurance, in fact third-party only covers any claim by third parties.

What this means is, if you are in a car accident in Spain then the other parties vehicle will be covered in case of damage or if it is a write-off. Also if they happen to be injured and needing medical attention then any costs arising from this will also be covered by your insurance.

This is the key reason why it is obligatory under Spanish law – to protect the other parties involved in any collision.

Clearly what this means to you is that your car is not covered if you are involved in an accident or your car suffers damage and needs repairing.

Another very similar type of Spanish car insurance is called third party fire and theft car insurance which costs just slightly more than third-party but obviously includes a few extra benefits .

Often the difference to upgrade to fully comprehensive car insurance in Spain is really not too much more and often includes the benefits of legal expenses as well as roadside assistance.

Although more expensive there are many ways and methods to search online and compare many different quotations from different brokers and insurance companies. The competition for car insurance in Spain is substantial because the car insurance companies know that once they have you on board as a customer, inertia tends to set in and you will tend to keep renewing each year often without questioning whether you can go get a lower quote elsewhere.

It is the nature of human beings to be a bit lazy. We would encourage you each year to question your provider of third-party car insurance and ask them if it’s possible to reduce the premiums. Telling them you have got a cheaper quote elsewhere always tends to make them come up with a lower quote!

We have conducted real-life insurance case studies to compare quotations in order to reveal who came out the cheapest.

Below we have a video explaining all about third-party car insurance: